23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Experian mentioned that they investigated the information from XXXX XXXX   that I disputed and the disputed information was verified as accurate. 

Dispute : I did not subscribe to XXXX. My demand requires you to investigate every claim of impropriety on my credit report. It includes : 1. Contact with alleged creditor ; 2. Request for signature exemplar ; 3. If none is produced, please remove the derogatory information ; 4. Remove all hard inquiries on my credit report if NO signature exemplar is provided. 

This is a final goodwill attempt to have you clear up my record. 

This is a formal notice that this account ( s ) are disputed. Please note that wrong information is a violation of FCRA & FDCPA. 

XXXX XXXX XXXX/XXXX XXXX XXXX ACCOUNT # : XXXX ; XXXX ; XXXX ; XXXX AMOUNTS : {$540.00} ; {$300.00} ; {$540.00} ; {$1300.00}. 
XXXX XXXX XXXX XXXXXXXX, XXXX, NC XXXX Remove these four credits information from my report. XXXX XXXXXXXX XXXX on Tel : ( XXXX ) XXXX was a billing company and a creditor mentioned by XXXX XXXX XXXX XXXX XXXX 
these accounts are not mine. It must be removed immediately. 

I need what was provided to you to show the medical bills are mine. Why are you believing them over me. I am disputing and they said is mine medical bills, then show me proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

list of inquiries that were not made by me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX NJ XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1700.00} DPT EDXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX  Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 Attached are document to prove my identity, FULL NAME, ADDRESS, SOCIAL SECURITY, BIRTH CERTIFICATE. Under consumer law, I REQUEST MY SOCIAL SERCURITY NUMBER BE REMOVED FROM MY CREDIT REPORT. 15 U.S. Code SUBCHAPTER IIICREDIT REPORTING AGENCIES. Consumer law 15 U.S. Code 1681g - Disclosures to consumers
Product: Credit reporting, credit repair services, or other personal consumer reports

US BKPT CT TX XXXX XXXX Important dates Original filing date XX/XX/XXXX Latest status date XX/XX/XXXX Additional details Reference number XXXX Record type Bankruptcy XXXX XXXXdismissed Court US BKPT CT TX XXXX XXXX Information was found to be fraud and was deleted by XXXX. Experian claims they received the information from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, these accounts have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXXXXXX 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 Consent.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Second Dispute Regarding Inaccurate Late Payments Dear CFPB, I am writing to follow up on a previous dispute regarding inaccurate late payment information reported on my credit file for the XXXX XXXX account ( Account # XXXX ). Despite submitting my initial dispute and your agency 's completion of an investigation, the inaccurate information remains unchanged. As such, I am requesting a detailed description of the investigation process, as required under the Fair Credit Reporting Act ( FCRA ) 15 USC 16811 ( 7 ).

Disputed Information : The following account contains inaccuracies in the reporting of late payments that are inconsistent with my payment history : Account Name : XXXX XXXX Account Number : XXXX Credit Bureaus Involved : TransUnion , XXXX, XXXX Type of Account : Real Estate Mortgage Specific Errors Identified : Late Payment Reporting : XXXX : Reports a 30-day late payment in XX/XX/year>. 
XXXX and TransUnion : Report a 30-day late payment in XX/XX/year>. 
Status Discrepancies : The account is marked as " Closed '' and " Paid, '' yet late payments are reported without any supporting evidence. 
Remarks : Conflicting and vague comments across bureaus, such as " XXXX XXXX account '' ( XXXX ) and " Closed '' ( TransUnion ), do not provide clear information on the status of this account. 
Impact : These inaccuracies directly affect my credit score and do not reflect my financial responsibility. 
I have attached my credit report with highlighted discrepancies for your review. 
Summary of the Issue : To the best of my knowledge and records, I have consistently paid this account on time, in accordance with the terms of the agreement. The reported late payment in XXXX or XX/XX/year> is incorrect and must be removed. I am also requesting clarification on why this error persists despite my initial dispute. 
Legal References : Under the FCRA : 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) : Consumer reports should not contain inaccurate information related to transactions between the consumer and the data furnisher.

15 USC 1666 ( b ) : Procedures must be in place to ensure periodic statements are mailed no later than 21 days before the payment due date.

Requested Actions : Conduct a reinvestigation of this account and provide a written description of the process used to verify the reported late payment. 
Remove all inaccuracies from my credit report and update the account status to reflect Paid As Agreed Never Late.

Provide documented proof supporting the reported late payment, including specific dates, amounts, and correspondence. 
If you are unable to validate the late payment, I demand that the inaccurate information be corrected immediately. Please note, failure to rectify this matter within the legally mandated 30-day timeframe will constitute a violation of the FCRA. 
Thank you for your prompt attention to this matter. I expect a resolution in line with the FCRA and a written response regarding your findings. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth 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, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance XXXX {$910.00} XXXX XXXX Original creditor CXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX Inquiry : XX/XX/2022 XXXX XXXX - XXXX XXXX Balance : {$910.00}
Product: Credit reporting or other personal consumer reports

My Information has been compromised and as a result someone open some fraudulent accounts without my knowledge. I never given anyone consent or permission to open anything under my name and social. The following accounts are a result of fraud : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Also the following inquiries are also fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I made a promotional purchase using a Synchrony BankXXXX XXXX XXXX XXXX XXXX and paid it off in full on the last day of the promotional period XX/XX/2022. All interim payments were made on time. I have written confirmation that the balance was XXXX. The account was closed on XX/XX/2022 so no further purchases could be made. However, a {$370.00} mystery charge showed up on the account in XXXX. I called and Synchrony said it was for credit protection and agreed to refund the charges. After the refund, there was still a balance and tI received more late notices. I called again and talked to a supervisor that said it was because the credit refund for the promotional purchase was done incorrectly. They agreed to dispute it internally, after which I received a credit for {$24.00} which still left a balance that I don't know what it actually consists of. After multiple phone calls and chats on their website ( over 4 hours of phone time altogether ), they are reporting me as late to the credit bureau, damaging my credit score. In the XXXX, while they say I am correct and it should be a XXXX balance, they have only given me multiple small refunds that still leave a {$110.00} balance and can not tell me if or when it could be resolved. In order to save my credit score I may be forced to pay a balance I don't owe.
Product: Credit reporting or other personal consumer reports

Send certified mail to experian, equifax and XXXX on XX/XX/year> I havent received anything email or via mail. My reports dont even reflect that everything is in dispute, that Ive disputed.

Equifax committed unfair acts or practices in violation of the Consumer Financial Protection Act My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Product: Credit reporting or other personal consumer reports

Please see attachments. 

This creditor goes by so many names : XXXX, which is also XXXX and XXXX XXXX XXXX XXXX XXXX Creditor is confusing consumers. 
Account ending XXXX XXXX Account has been reaged several times over the years- evidence attached. 
Last payment XX/XX/XXXX bank statement attached. 
No payment all of XXXX ; reaging Theres no agreements or even communication between consumer and creditor to reage account. 

Account is inaccurate and incomplete. Different amounts, dates, balances, and activity than other CRAs Also a charge off receiving an IRS 1099C write off a certified letter was sent to XXXXRetail about this previously. 
Also, in collections, so the balance should say XXXX with no activity And account was also paid by the insurance premium in the finance charge This is corporate FRAUD.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted credit bureau 2 times to remove bankruptcy off report I have never filed bankruptcy before and I don't know where this is coming from I have attached documents from court system bureau stated is was removed and it hasn't been
Product: Credit card or prepaid card

My identity was stolen and a Swiss Colony/Montgomer credit card was open in my name and charged in the amount of {$750.00}. It appeared to have been open XX/XX/2022.
Product: Credit card or prepaid card

I am late on a payment and it is not even a month late. This creditor has been harassing me multiple times a day over the last two weeks from different numbers. I get paid on Friday and I have usually never been late in payment but under these circumstances this is ridiculous.
Product: Debt collection

I have been receiving numerous phone calls a day from them, all from different phone numbers. Sometimes upwards of 5-10 calls a day. Sometimes more. I have started blocking these numbers, but the calls have gotten so out of hand I can't keep up with them anymore. I have checked my credit reports and I don't see one collection acct on there from Portfolio Recovery. I then sent them a cease and desist letter requesting them to not contact me by phone, mail, email, etc. I am still getting numerous calls a day even after the letter was sent.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

TransUnion continues to work with XXXX XXXX XXXX in causing damage to my principal capacity to rightfully contract by using joint business practices to take private and personal information and cause harm to consumer by discriminating and using illegal adverse and damaging of character or reputation, risk of identity theft, breach, trafficking and other exposures without warranting or insuring with verified affidavit or declaration of valid non-adhesion contract proving debt and consideration and that my information is safe without risk. Both TransUnion and XXXX XXXX XXXX  has a history of not being able to prevent consumer risk exposure of private and personal information as well as history of breach, and other federal and state violations.
Product: Credit reporting or other personal consumer reports

The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to TransUnion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Debt collection

XXXX XXXX FOR {$240.00}? I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Credit card or prepaid card

The particular account position that is recently filed on this credit document has a seriously unfavorable impact on my capacity to attain a guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have made many attempts to reach out to Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

NAVY FEDERAL CREDIT UNION XXXX
Product: Mortgage

again wells fargo cant get thru cant get a  n ex tension for   XXXX   XXXX   mediation person to get my documents to avoid foreclosure. try to leave a message to no avail cant take this stress should not have to. i am told she cant talk to me when account is in litigation but my deadline for docs is   XXXX   and i have many questions and dont have some of the docs she needs etc. please also note i sent a request to bank about loan I am filing motion for summary judgment to dismiss foreclosure but am concerned over the lack of responsiveness despite many messages for mediation person  XXXX   XXXX . Still have no answer as to whether property taxes were adjusted as a result of what i sent in to do it. but mainly i am trying to protect myself. i need to hear from   XXXX   XXXX   for whom i left many messages so i can return docs to her for loan modification. i am also concerned based on past experience that this request will be handled fairly please send this to them at once.   this should not be so difficult. i have also applied to hardest hit program. foreclosure complaint is problematic. i have requested discovery from bank as well
Product: Debt collection

fraudulent accounts * discover fin svcs llc XX/XX/2014 filed police report
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. 
This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 813 for failure to comply with a provision of this title.Under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give any documents related to an account that is requested Please send me copies of all records relating to the account, including : date account open all sign original contract
Product: Debt collection

Debt has been paid. Still reflecting a balance on consumer reports instead of stating " paid as agreed '' with {$0.00} balance. This is affecting my consumer report negatively.