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

I previously sent a Notice of Identity theft to the Credit reporting agency known as EQUIFAX however, the address i was given seemed to be incorrect. So for this reason I have decided to contact the CRA through this portal to ensure that my Notice is received. My consumer credit file is extremely important to me and I have noticed information is currently being reported that Is as a result of identity theft. I have not authorized the nor conducted the inquiries that are listed on the attached Notice and police report. This information is fraudulent and pursuant to 15 USC 1681c-2 ( a ) must be blocked and removed immediately from my consumer credit file within 4 business days of RECEIPT. No individual has certified that this information, it is unverified and fraudulent. I have verified that this information is not authorized by myself as the consumer involved and I have used the attached documents as my proof. See the attached Identity theft police report and Notice of identity theft.
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. 


Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I was looking through my credit report and noticed these collections on my file in Derogatory Marks which is all wrong on the collections. First off on XXXX  I am being hit with XXXX XXXX original creditor XXXX XXXX XXXX for {$400.00} I owe them nothing and this was paid off a few years back. I have told these people this countless times and they keep changing companies trying to collect money from me I do not owe. Secondly XXXX XXXX   original creditor was XXXX XXXX they are saying I owe {$740.00} which I also paid off a long time ago so I am unsure as to why this is still on my report. XXXX XXXX is charging me {$3300.00} from XXXX XXXX XXXX. This one I can tell you the story I had bought some phones they never came In and long story short order was cancelled and this was all settled with. Lastly XXXX, XXXX which is working for XXXX XXXX claim I owe them {$50.00} dollars which I also do not ash owe. I gave them XXXX dollars in cash. I do not owe them anything. If they pocketed the money or whatever happened there under the fair credit report 609 I feel I have a solid case in each situation if anybody wants to call me directly on this situation can do so. As I have nothing to hide and I want this situation fixed as soon as possible as it is effecting my credit score in a negative way. I sent the attachments here to what is wrong and on equifax it shows 2 and the other equifax has stated I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, i have rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681. And they violated my rights numerous times. i demand the accounts listed below be removed because Accordind to 15 USC 1681 : I have rights to privacy and I did not give Equifax written permission to furnish these accounts XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX  Account # : XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX XXXX  Account # : XXXX Balance : {$230.00} XXXX XXXX XXXX XXXX Account # : XXXX Balance : {$6900.00} As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate.

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : 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 Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.
Product: Debt collection

I received ER services while covered medically thru service known as XXXX. A subsidy of XXXX. In XXXX XXXX County. I have told every single person who calls in the past 3yrs I was covered thru wat is known as XXXX, meaning I have no financial resources. I even called XXXX and was told by them to tell those who called demanding payment that I was covered. To call them and they could validate it. But when I did tell those tht called me, they refused to acknowledge this and then hung up. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called transunion talked with a customer service rep and a supervisor no one would help me resolve my credit issues I have unknown inquiries on my credit report I informed the customer service rep and the supervisor I have not applied for any new credit and needed help getting these inquiries removed. I was put on hold for at least 20 mins and not one customer service rep could help me. I am in the process of buying a house and need these inquiries removed so I can move on with my process.
Product: Mortgage

I started paying bi-weekly as of XX/XX/year> and chase bank have made it nothing but impossible to track my payments. Currently there's XXXX payments being " held in unapplied accounts. '' I am currently 2 months ahead but they aren't " applying my payments '' to the loan and are just holding my money XXXX. There's a total of {$3400.00} being held and not applied to the payments. When I initially called them out on it they tried to make me jump through extra hoops and asked me : in the year XXXX to fax them some documents because they lost or couldn't find my payments. I was using my online banking bill pay. When I said no that's ridiculous I can send all the information I need to via the secure chat feature and I'm not sending you a fax. Find my money. Suddenly they " found my check. '' So to try and appease them I switched over to their auto debit of biweekly payments that way. Which led me here. As I have discovered they are yet again holding the money and not applying it toward the payments. And whenever I ask about it I'm given the run around with all sorts of bs and no actual answers. I'm also XXXX because I didn't finance this loan through Chase for this very reason of them being shitheads. They unfortunately bought our loan so we have no other options. It's not like we're going to throw away that XXXX % interest rate. Maybe they're hoping if they're a XXXX enough service I will. But jokes on them I'm a petty XXXX too and won't take no for an answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed information on Credit Report with Transunion and XXXX. They are both reporting late payment history on collection accounts, there are several accounts that have exceeded the statute of limitations that are still reporting and need to be be removed as per the FCRA. I have sent several dispute letters and the information isnt being investigated/ and or removed. Its frustrating because Ive done it repeatedly and the same accounts remain. Not to mention to personal information that doesnt even belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection Account : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Date Opened : XX/XX/2019 Amount : {$330.00} I got a response from the credit bureaus specifically XXXX saying that the disputed account has been deleted. I have checked in the credit monitoring that I'm paying for and the account is still there. It is not deleted. This is my fifth time disputing this account with them and I keep getting these inaccurate, unfair responses. This account is not accurate because I had insurance. This was billed in error.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Enclosed are : my drivers license, my social security card, proof of my current address, my Federal Trade Commission Identity Theft Report, and a copy of SECTION 605B of the Fair Credit Reporting Act. I am writing to request that you remove/delete and place an immediate block on the fraudulent information listed below from my credit file within 4 days upon receipt of this correspondence.

I have recently obtained a copy of my credit file and the information listed below does not relate to any transactions that I have made ; therefore I am requesting that these items be completely removed/deleted 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 remove and block the following information from my credit report pursuant to section 605B of the Fair Credit Reporting Act within 4 days. I am requesting that the following fraudulent items be deleted and blocked from my credit file. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$14000.00} XXXX  KINDLY DELETE AND BLOCK ALL NONACCOUNTHOLDINGINQUIRIES XXXX DID NOT AUTHORIZE THEM XXXX
Product: Credit reporting or other personal consumer reports

In the month of XXXX, I was offered a " financial hardship plan '' as I had lost my job. The hardship plan stipulated I would make pymts in the amt of {$520.00} a month for 3 months and resume standard pymts of my loan in XX/XX/2024. The arrangement came with the diff. being added to the end of the loan along with int. and misc fees. I made my XXXX pymnt in XXXX with no issues. In XXXX, I scheduled a pymnt on XXXX of XXXX, that wasn't debited until a few days later. I encountered an issue with my bank and I immediately contacted XXXX to advise them and find a solution for the posting of the pymnt. I spoke to an agent as soon as my bank advised me of the returned item to which the agent assured me it would be " re-run '' and conf. that scheduling a new pymnt would impact the posting date & placing it outside of the " grace period '' -I was concerned bc I have always been proactive and didn't want to jeopardize a " late pymnt '' or " defaulting '' on the pymnt plan. agent reassured me the best course of action was to allow for It to be " ran '' again. I called a few days later bc indeed the debit was not reattempted & my bank conf. what a 2nd agent too confirmed. After that, it became a travesty btwn agents & getting a sup to call me back. For 2 weeks I attempted and was always given the story of " only 2 sups and within XXXX hrs someone will call you '' at one point I became irate and demanded to stay on the line to allow me to speak with the SUP that had promised 4 days prior to call me back, Supervisor XXXX. Once the sup answered, he had the worst attitude & least care in listening. or reading the ALL the previous notes from agents dropping the ball again in escalating my concern or even acknowledging my many attempts to resolve this matter. XXXX then falsely claimed that XXXX had reattempted a payment on the XXXX which had already been confirmed FALSE by the bank & prev reps. When confronted, he responded with a nonchalant tone that he would need to " audit the calls & he would CALL ME BACK '' its been 2 weeks on top of the initial 2 weeks of me begging for a call back and still no reinstatement of the plan, which I paid as agreed but now the acc is being reported deliquent based on the poor advise of poorly trained rep and inability to get a call back to get this situated. I was expected to pay 3 payments of XXXX and I did yet, I was hit Fees, delinquent reporting, zero accountability on their part to acknowledge the incorrect information being given by their reps, and topped it off with a " we will call you '' which never came.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed information on my credit report as a result of identity theft. I submitted my FTC ID theft report and formal request with proof of identity to Equifax requesting they block/delete the harmful and damaging fraudulent accounts as pursuant to section 605b of the FCRA. The information continues to report which is a violation punishable of {$1000.00} per instance. I submit this complaint as a victim of Fraud Enablement after providing all necessary information to remedy this unfortunate situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX XXXX Date of Inquiry XXXX/XXXX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Past two years I have had I have had problems with my My credit report, unable to establish credit being denied due to incorrect information. I have advised these counsel does not belong to me. These are incorrect. Which I was advised on the credit report, it falls under the fair credit reporting at I am a veteran of the United States XXXX  years and unable to receive credit I have made on times payments These accounts are still reporting in correct something needs to be done regarding this situation has been happening to now three years. The credit score range has to be XXXX as a veteran. My credit score is XXXX with attaching devices Exsperian boost Other recording devices Being XXXX XXXX XXXX, after being a veteran, I will was employed by the veteran affairs for the government who also works for veterans affairs to help all veterans XXXX  in need. I have an attach different companies who names and documents are reporting in accurately. These accounts does not belong to me. I requested history from these companies and only information they pull from credit bureau departments? Company names collections .XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX doesn't belong these are not mine accounts. COMPANIES XXXX XXXX XXXX XXXX. I HAD OVER 16 years. ATTACHED DOCUMENTS PROOF these accounts never late paid on time. Once was reporting correctly notice huge change.LETTERS PRINT OUT. Company provided. Showing no late payments. ACCOUNT CALL XXXX XXXX. SOMEONE change my credit report without me being contacted XXXX ACCOUNT was paid OFF SETTLEMENT before Originally agree date notice charge credit reporting XX/XX/scrub>XXXX XXXX XXXX
Product: Student loan

In XXXX of 2023 I was struggling with a divorce and I had Navient calling family members calling them and telling them I have a debt with them and that I need to call them. They were calling not just one but SEVERAL MEMBERS of my family AND extended family members. I was humiliated as I was a single mom going through a divorce and also having to deal with this going on as well.
Product: Credit card

Attempted to cancel card. Get placed on hold and told that only a supervisor can cancel. Also asked for my terms and card agreement and was told they only have to send it once, they already sent it so they wont send it again they are refusing to give card agreement and wont let me cancel and are changing monthly & yearly fees on a card with no balance
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in regard to a charge off account they are claiming and I asked them to validate that this account is in fact mine bearing my signature. They have never responded. It has been a while.
Product: Credit reporting, credit repair services, or other personal consumer reports

information on credit report is not mines i have no knowledge of the collection and would like for it to be removed off of credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - Dispute letters accompanied by police report and FTC were sent by certified mail to Experian, XXXX, and XXXX  in regards to accounts and inquiries that are present on the credit report because of identity theft. 

XX/XX/XXXX - Dispute letters accompanied by police report and FTC were sent by certified mail to Experian, XXXX, and XXXX  in regards to accounts and inquiries that are present on the credit report because of identity theft. 

Accounts present because of identity theft. 

1. XXXX/XXXX  : Credit Limit : {$300.00} : Date opened : XX/XX/XXXX 2. XXXX  : Credit Limit : {$16000.00} : Date opened : XX/XX/XXXX 3. XXXX : Credit Limit : {$5900.00} : Date opened : XX/XX/XXXX Inquiries present because of identity theft. 

1. XXXX/XXXX  : Date opened : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My identity was compromised and these inquires were not authorized by me. According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to repost information on my credit report without my permission. Please remove this item from my credit report. CPS ( Finance ) XX/XX/scrub>XXXX XXXX XXXX  ( Bank ) XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I have no knowledge of these accounts and inquires they are unverifiable and fraudulent please delete these accounts and inquiries immediately XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XX/XX/2023 XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
Product: Credit card or prepaid card

On XX/XX/XXXX, I learned that XXXX XXXX American Express had reported that I was 60 days late on a {$9.00} charge I made to that card on XX/XX/XXXX. On XX/XX/XXXX, I contacted XXXXXXXX XXXX credit department ... .and after several calls was told I needed to call back the next day and talk to a Credit Consumer Specialist. On XX/XX/XXXX, after two calls, I finally was able to speak to a Specialist. We went over the charge. We went over the fact that I had signed up for on-line statements and bill pay : And, that I never received any emails for this {$9.00} charge. And, that the only email re a statement due came on XX/XX/XXXX, the day after I had charged {$60.00} plus dollars on that same card at my local XXXX XXXX. I was travelling on the XXXX. Went on to XXXX 's on-line bill website on XX/XX/XXXX to pay my bill. It said I owed $ 77ish dollars. My bank account is right on the website as a link to pay. And, I authorized payment. Nothing was said that I was deliquent or had any late pay issues. I only found that out by my credit monitoring company sending an email stating the same and calling me on XX/XX/XXXX to figure out why this happened. All this was explained to the Credit Consumer Specialist. She didn't care. She couldn't/would n't remove the deliquency notice. And, when she asked if I wanted to dispute the matter ... ... She read me a legal notice that was quite threatening and intimidating ... .and not fully disclosing or accurately disclosing what would happen if I did dispute the matter. The legal notice she read me said that if you dispute the matter, you will be denied a mortgage or a loan by a lender until the dispute is removed or resolved. At no time, did she tell me that a dispute is resolved in 30 days. That I found up by calling XXXX   ... .and filing the dispute directly with them. XXXX XXXX Specialist also failed to disclose that a deliquent account stays on your credit report for 7 years ... unless cleared out by filing a dispute. When I raised the fact that XXXXXXXX XXXX legal disclosure was threatening, the Specialist did everything she could to continue the threat of financial consequences should I file a dispute. XXXXXXXX XXXX needs to revise their legal disclosure and retrain their Specialists so that a consumer is fully informed of how the dispute process works, that it is quickly resolved in 30 days, and if its resolved in the consumer 's favor ... .their credit score will be restored to its former glory ... .rather than threatening no ability to obtain loans or credit cards in the future should you file a dispute.