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

Previously marked as duplicate complaint!!!

Company failed to remove permanent after previously removing this account And adding it back based on a false automated verification of fraudulent information attached to the account. The information attached has been removed and deemed as inaccurate or fraudulent and or proved to have been shared without my permission initially or at anytime. The company " XXXX '' sold the debt multiple times to various companies yet failed to relinquish any responsibility to me that may have previously been owed or responsible for before the purchase of the debt along with my personal information that of which I did you give permission to be sold and or obtained by and lenders, creditors, credit furnishing bureaus etc. please remove all derogatory accounts permanently from the report and delete from XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXXXXXX XXXX Bureaus also have failed to deliver up to date electronic credit report online per my request.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 

It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 

I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated Metro 2 data formatted reporting standards according to regulations. 

Failure to take appropriate actions to remedy this matter will lead to my civil right to file a lawsuit seeking monetary resolution via a court in my jurisdiction. 

Drawing from my research and complete comprehension You nor any entity is permitted to keep any non-compliant information, particularly upon it being challenging any or all of the excerpts, dated assignments, ledger balances, audited details, documents of identification, each of the 426- character format fielded P6 statements, pay status codes, alpha-/ numeric-/ and or alphanumeric source codes. Further certificate firmly every single one even each any and or all of the minimal five ( 5 ) portioned personal identifiers, and even the unabbreviated 386 pieces of confirmation to collect. 

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY, even right NOW! The obvious infractions are as follows : Name of Alleged Creditor : XXXX OF XXXX - XXXX - I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX mo ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exist XXXX XXXX  - XXXX - I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX mo ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exist Item Complaint Details : You are reporting inaccurate and/or incomplete, unproven, NON-COMPLIANT ACCOUNT INFORMATION. Immediately Delete this Unverified Account. If not, please provide physical proof of verification, along with the requested items within the full context of this correspondence. 

INQUIRIES TO BE REMOVED : XXXX XXXX NA - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX PERSONAL INFORMATION INCORRECT : Incorrect Name - XXXX XXXX - The personal data reporting is inaccurate. 

Incorrect Address - XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX - The personal data reporting is inaccurate.
Product: Mortgage

Our mortgage is with Ditech and includes an impound account. We received a Cancellation Notice from XXXX XXXX stating that payment had not been received. I contacted XXXX around XX/XX/XXXX and they informed me they had changed underwriters for our policy and they would promptly generate a new bill to send to Ditech. Ditech sent me another letter XX/XX/XXXX stating payment not paid. Again I called XXXX and they said the billing had been sent. 
Ditech has a balance of {$1900.00} in our impound account ; they owe XXXX {$1200.00}. 

They should be communicating with each other, not me. I am obligated to pay into an Escrow/impound account for the first five years of this account of which I have no control.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$300.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$1300.00}
Product: Credit card or prepaid card

I have tried to work with XXXX Comenity Bank. There backend system does not have an alert system built in to notify the customer when a payment is due. Comenity Bank 's Parent company Alliance Data also owns XXXX XXXX. Tell me why XXXX XXXX has all the bells and whistles to alert the customer of a payment not being received on the day due, but yet Comenity Bank ONLY sends 1 email notification for the statement. They have no other email sent, AND they also do not offer any type of alert system like text or email notification within x amount of days when bill is due like 99 % of credit cards I own. 

XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, they all have some type of alert system. Comenity   claims they don't have this because they aren't a typical Mastercard or Visa card. 

Comenity Bank also charges the industries HIGHEST fees for late payments. {$39.00}!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I submitted information in regards to inaccurate information being reported on my credit report. I was also informed by the US Bankruptcy Court of Chicago that they do not report any information to the Credit bureaus in regards to a consumer. I ( the Consumer ) haven't given any written permission for anyone including XXXX, Experian and XXXX to report any of the items listed in this report on my credit report according to 15 US Code 1681B therefore my character as a consumer has been violated and tournished. There was no proper investigation taken by no credit bureau to verify this information and it has been more than 6 months since I first reported it. PLEASE REMOVE FROM MY CREDIT REPORT OR I WILL HAVE TO TAKE FURTHER ACTION. THIS IS AGAINST THE FCRA AND MY CONSUMER RIGHTS ARE BEING VIOLATED. I WILL IN ADDITION REPORT THIS FRAUDULENT ACT TO THE XXXX AS WELL.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following INQUIRIES from my credit report immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Ga XXXX Dispute of Fraudulent Credit Information Due to Identity Theft **To Whom It May Concern : ** I am writing to formally dispute fraudulent information on my credit report under the protections provided by the Fair Credit Reporting Act ( FCRA ), specifically under Section 605B, which pertains to identity theft. 

I recently reviewed my credit report and identified the following account ( s ) that I did not open and believe to be a result of identity theft : XXXX XXXX XXXXXXXX # XXXX Date opened XX/XX/XXXX Balance {$480.00} XXXXXXXX XXXX XXXX # XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} These accounts are not mine, and I am not responsible for it. I am a victim of identity theft, and I request that this fraudulent information be blocked and removed from my credit report immediately as allowed under FCRA Section 605B ( 15 U.S.C. 1681c-2 ). I have been incarcerated since XX/XX/XXXX Enclosed, you will find the following documents to support my claim of identity theft : 1. A copy of my government-issued ID.

2. A completed Identity Theft Report ( a copy of the FTC Identity Theft Affidavit ).

3. Sentencing papers as proof of my incarceration Please conduct a thorough investigation into this matter and remove the inaccurate information from my credit report. In accordance with the FCRA, I expect to receive a response within 15 days from the date of this letter. 

Thank you for your prompt attention to this matter. I look forward to your response confirming the removal of the fraudulent information from my credit file. 


Attachments - Copy of Government-issued ID - Identity Theft Report
Product: Debt collection

Midwest Recovery is reporting something on my credit file that I believe to be over 10 years old. They have not sent me any type of notification it just started to report on my credit file in 2018 for which I disputed it and it was removed. It started to report again this month. I am unclear what the debt is for but I again believe it's something that occurred over 10 years ago. They can not continue to just report it randomly!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX SS # XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX  XXXX  Equifax Account # : XXXX XXXX I disputed this account on XX/XX/21 in CFPB complaint number XXXX and requested a method of validation. It is now XX/XX/21 and I havent received any response in regards to validation. For that reason, this account needs to be deleted immediately! As you see below, the DATE OF LAST ACTIVITY IS WRONG for this reason, this account needs to be deleted immediately and I am also seeking remedy, out of court, for {$400000.00} from XXXX  and {$400000.00} from XXXX  and {$400000.00} from Equifax and {$400000.00} from XXXX XXXX XXXX XXXX for continuous and willful violation of my rights, pain and suffering as I suffer from XXXX  and XXXX due to this information being inaccurately and unverifiably placed on my consumer transaction report month after month and year after year. I have spoken to certified medical staff and can provide documentation. I have not been able to get a car, job or mortgage with this information on my report and I have documentation of that as well. You may send a check, payable to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX and please delete this account from my credit report. My affidavit of truth will soon follow this letter if we can not work this out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am showing a Hard Inquiry from Capital One on my XXXX  and XXXX  Credit Report from XX/XX/XXXX. I already have a card with Capital One and have not applied for another one. I have been offered credit increases and I have checked if I was prequalified for a new card with them but I have not authorized a credit check with them since I first opened my card on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Disputed bankruptcy multiple times. Most recent was on XX/XX/2024 also mailed Demand to comply letter and got no response from anyone.
Product: Debt collection

I sent Enhanced Recovery a Validation of Debt letter, that was delivered on XX/XX/2016. According the FDRC laws a creditor has 30 days to complete their investigation and respond. Enhanced Recovery has violated the FDRC by not responding to the letter completely. The letter asked for proof the debt belonged to me and a copy of their license showing they are allowed to collect a debt in my state of residence. Non of which was produced.
Product: Credit reporting

I had a XXXX XXXX Account opened in XXXX and the last time used my account before I closed it was XXXX XXXX. My account was paid in full at the XXXX XXXX in VA in full. XXXX reported my account to the credit reporting agency as paid in full. I checked out my credit reports in XXXX of this year and XXXX have my report showing negative information. I called XXXX XXXX Department to rectify this issue and they stated that will update my credit reports with the correct information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to the Credit Bureaus today to inform the Credit Bureaus I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. The items in question are as follows : XXXXXXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$1000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1400.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$510.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. I can assure the Credit Bureaus that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like Equifax to provide me with the documents I requested, it's all indicated in the attachment. I want them to also do their job fairly and legally, as per the FCRA Section 611 they are required to delete or update any information that they can not legally verify. They need to be held responsible for not following the laws. They are not above the law. I wish for any accounts they failed to verify to be removed from my credit report, they had more than enough time to investigate, even more than what's indicated in 15 U.S.C. 1681i which is 30 days upon the receipt of my letter. It's impossible for them not to receive any of my letters because I've written them multiple times. Additionally, as per 15 U.S.C. 1681c their reporting should have Indication of dispute by consumer AND UP UNTIL THIS DATE THERE IS NONE DESPITE BEING DISPUTED FOR MONTHS NOW! If possible, I also want to receive monetary compensation for all the distress and XXXX  they have caused me and my family.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I went to XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX to see about purchasing a vehicle. The representatives informed me that he was going to do a soft pull of my credit. However, they did a hard pull that resulted into inquiries I do not recognize or authorized. This is having a severe negative impact on my credit. I never gave anyone permission to do a hard pull. Only inquiry I authorized and have knowledge of is XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Trust agreement was entered between Ally and myself. This company committed security fraud by trading this note in questing and not providing me the books so I properly balances the books with the United States Treasury to receive my credits bask from this trust agreement. Per the attached letter concerning UNITED STATES business entities I.E ALLY BANK. who commercially-operates on the United States Public markets and excepts and/ or exchange in the United States currency while providing good and or services to U.S. customers/consumers in everyday commerce. Your business entity is federally-bound to UNITED STATES AND U.S. public debt obligations. like this vehicles contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a certified mail letter regarding things that are inaccurate and unverified things that have not been validated even after me sending a validation letter on XX/XX/2021 certified mail I have not received a response yet. It has been well over 30 days and I havent received any investigation results. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that if there is a failure to investigate these items within 30 days gives a reason to immediately remove those items from my from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten Into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

, the Consumer Financial Protection Bureau ( CFPB ) announced that it had taken action against XXXX for systemic failures in investigating consumer disputes, reinserting inaccurate information into credit reports, and using flawed processes that resulted in inaccurate consumer data. These actions demonstrate a pattern of non-compliance with the FCRA, which further undermines the validity of your response to my dispute. XXXX and Experian must conduct a thorough, independent investigation without blindly accepting unverifiable claims from the furnisher. Resolution Demanded Given the clear violations of my rights and the failure to properly investigate this matter, I am demanding the following actions within 4 calendar days from the receipt of this letter : Immediate Deletion of the Disputed Account : If XXXX and Experian can not provide documentation verifying the accuracy and ownership of the account, it must be deleted immediately as required by 15 U.S.C. 1681i ( a ) ( 5 ). Removal of Hard Inquiries : Any hard inquiries associated with this account, including those initiated without permissible purpose, must also be removed. Provision of Documentation : If XXXX and Experian insists on continuing to report this account, I demand that you provide : The specific documents used to verify the account. The identity of the individual or entity who verified the account. A detailed description of the methods used during the investigation.
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 XXXXXXXX XXXX : # XXXX XXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX  : # XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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: Debt collection

This submission updates the XX/XX/XXXX complaint against Renton Collections XXXX Inc. to which I was complaining about Renton Collections attempting to collect a two year-old bill for XXXX Plumbing. I was also complaining that they never provided or mailed me a proof or a copy of the bill I requested or any verification associated with the bill when I first spoke with them on the phone on XX/XX/XXXX. I had to request a proof of the bill because I am a recent ID Theft Victim, Someone else had filed an Income Tax under my name for XX/XX/XXXX Tax Year and someone had applied for a credit card using my name and I have been getting a lot of scam calls in my cellphone within the last several months and a mailed copy would prove it 's validity. 

I did not believe Renton Collections was a legitimate call because the only Plumbing company i remember doing work for me two years ago was with another Plumbing company and not XXXX XXXX Plumbing. Renton Collections never mailed me any proof at all. Instead they reported the unpaid bill to the Credit Bureau on XX/XX/XXXX. This prompted me to do my own investigation and by going in person to XXXX XXXX Plumbing on XX/XX/XXXX and inquire about this bill. I realized that they billed me two years ago for dispatch fee of {$100.00} just for sending somebody to my house and but not doing any work. I never received any bill from XXXX XXXX Plumbing otherwise i would have paid for it two years ago. They claim they billed me but i never received anything in the mail. I decided to pay the bill for {$130.00} XXXX incl. Renton Collections Interest charges ) directly to XXXX XXXX Plumbing that same day. 

I believe that i was treated unfairly. I have always maintained an excellent Credit rating ( verifiable ) paid my debts on time, never missed a payment, never had a collections and now this Collections from Renton Collections XXXX Inc. has made an impact in my Credit Rating as a result of irresponsible creditors and bad business practice. All i care right now is getting Renton Collections Account be taken off my Credit Record because i never intended this to happen and I believe my rights was violated. I am hoping for a resolution of this problem.
Product: Vehicle loan or lease

I XXXX XXXX am a victim of identity theft and need the following removed off my credit. 

XXXX XXXX XXXX XXXX XX/XX/2020 XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Reported on XX/XX/XXXX {$6600.00} Item Results Result : Verified As Accurate And Updated - It looks like this item is actually correct and that it's going to stay on your credit report, but info has been updated to reflect recent activity. 
Dispute Reason Ownership : I have no knowledge of this account. 
Dispute Results From TransUnion TransUnion received your request on XX/XX/XXXX and completed their investigation on XX/XX/XXXX. Please review the results carefully. 
If you're not satisfied with these results you can go to TransUnion 's site and submit a Request for Investigation. You'll be able to attach supporting documents to your dispute and ask TransUnion to add an explanatory statement to your credit report. 
Want to take it offline? You can print the Request for Investigation form and  mail it to the address below. 
If you have specific questions regarding your dispute request or need to submit additional information or an updated address, please contact TransUnion using the address shown below. When contacting TransUnion, provide your current file number : XXXX.