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

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise.

Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I iust looked at my credit report because I have huge goals. I am looking to buy my first house. I iust wanted to make sure everything was reporting 100 % correct and everything was accurate. Can you reinvestigate the completeness and accuracy of the list of accounts below. investigate the completeness and accuracy of every piece of information If its not accurate, please remove it from my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 investigate the completeness and accuracy of every piece of information If its not accurate, please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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

My XXXX fell behind in XXXX and the service was suspended. They called me telling me that they would cancel all my remaining back charges if I paid a portion of my bill. I specifically said I do not want the TV reinstated, I just wanted to settle the debt. I paid it and they canceled the balance and reinstated the TV service. So I called again and they told me they had no record of the agreement we had and I would have to cancel again and pay for the month. Extremely irritated with the lying, and wanting to be done with this company I just paid my balance to XXXX and told them to send me a box to ship the equipment back to them. In XXXX I had not received the box yet so I called them to see why it had not come, the following week I received a new bill for {$52.00}. I contacted them to see what the charges were and they had no answer. There is no description on the bill. My account has been closed so I can no longer see my older bills. I have called multiple times and spent many hours on hold waiting to have them send me my bills or give me a detailed explanation of what the charges are for. They have said they would send the old bills twice now and have not. They have sent the charges to collections and will not provide the reasoning for the charges. I have no choice but to assume they are fraudulent as they will not provide an explanation and I have a documented XXXX  balance. I do not want to just pay it as they have now lied 3 times about charges and this shows no sign of stopping.
Product: Checking or savings account

I received a letter from USAA dated XX/XX/XXXX confirming the opening of a USAA savings account. I have never owned/opened a USAA-related account whatsoever. On XX/XX/XXXX, I called USAA 's fraud protection services about freezing the account. They said they would do what they can. On XX/XX/XXXX, I checked XXXX. It confirms the opening of a USAA savings account with a balance of {$8.00}. 

Additionally, on XXXX, I have obtained the address of the person who may have stolen my identity. I say this because I do not recognize the address whatsoever and have never even been to the state that has now been tied to my account. 

The address is : XXXX XXXX XXXX XXXX XXXX XXXX MN, XXXX
Product: Debt collection

RESURGENT/LVNV FUNDING Account number XXXX I am a victim of identity Theft and this account is reporting on my credit file and negatively impacting my scores. This account does not belong to me. I have tried to fix this but have not gotten a response or proof of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Before I hired my mortgage company or even of knew of DAS Acquisition Company, LLC., DAS ran my credit without my permission. Credit ran XX/XX/XXXX ( this inquiry is reported by all 3 credit reporting agencies and XXXX ) ( XXXX XXXX XXXX XXXX notice attached ) XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX my actual lender was DAS ACQUISITION Co LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Mo XXXX I never gave either one of them permission to run my credit. 

I was informed by the company XXXX XXXX forms ( attached ) were illegally created and other loan modification papers were sign with a signature that uses my name but not signed by myself. XXXX has informed me these are forged documents created by DAS. 
This is the mortgage company I eventually ended up using and get and gave them permission permission to run my credit at a later time on XX/XX/2021. 

The latest credit score was not used on my loan which was a much higher rate. A lock in rate was obtained prior to DAS legally having permission to a much higher credit score.
Product: Checking or savings account

XX/XX/17 Citibank took the overdrafted amount out of my government stimulus payment. Spoke to XXXX a Citibank supervisor at XXXX am. He stated the bank would not honor the statement they made about forgiving negative balances for XXXX days so people can receive the full amount of their stimulus. He placed me on hold and hung up the phone.
Product: Checking or savings account

Good Afternoon, I'm trying to file a claim against citizens Bank and need some assistance. I went to withdraw money out of their ATM on XX/XX/XXXX, at XXXX XXXX XXXX XXXX Ma XXXX XXXX  XXXX XXXX XXXX ) at XXXX. XXXX Dollars and no money ever came out so to prove I was there and they took my money I tried again to got the receipt which I'm providing to you. The card I used was an EBT card which I get cash benefits on I really need to pay my rent and need that money and I don't know how else to get it back. 

This should never happen Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reported to all 3 credit bureaus, that I was late 30 days in XXXX and 60 days late in XXXX both in XXXX. When I contacted XXXX they said those payments were returned due to ISF. I maied and emailed them copies of my bank statement proving I was not late and that my bank processed my payments. This was done in XXXX XXXX. I also mailed copies of my bank statements to all three credit bureaus, and yet XXXX electronically verified that their reporting was accurate and the late payments are renaing on all credit reports I tried contacting all three reporting agencies and was told that even with proof if my bank statements it was up to XXXX to correct it, and they refuse.
Product: Debt collection

I have no contractual obligation to pay this collection agency. I have asked for validation that this account belongs to ME, and they did not provide me with sufficient documents  within their 30 all owable days. All I have received are statements from another company. They are in current violation of the FCRA. I have also asked for them to update their records to reflect correct information, which they have not done so. This collection agency shows up as " Credit Bur eau of the South '' on my credit report, but all corresponding information from them is listed as "    XXXX   XXXX   XXXX   ''.
Product: Credit reporting

TODAYS DATE:XX/XX/XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX, FL XXXX Equifax XXXX XXXX, GA XXXX XXXX XXXX XXXX, Texas XXXX XXXX, XXXX XXXX, PA XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX {$1500.00} REV {$0.00} {$0.00} {$0.00} XXXX WAS 60 XXXX/EF Late Dates : LAST LATE DATE XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$700.00} REV {$930.00} {$930.00} {$930.00} XXXX Late Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$700.00} REV {$930.00} {$930.00} {$930.00} XXXX CHARGE OFF XXXX/XXXX/EF I 've submitted enough information regarding the fraudulent account that 's 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 XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX, XXXX and XXXX, Equifax et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX D.O.B. XX/XX/year> SS # XXXX The information about bankruptcy is inaccurate, and I contacted both the court and the credit bureau to address the error. The court confirmed that it does not provide information to the credit bureaus. I then contacted all three credit bureaus with this explanation from the court. While XXXX removed the error, XXXX and Experian have yet to do so. I sent certified letters with return receipts requesting the identity of the information 's source. The bureaus responded, claiming the court was the furnisher, which the court has denied. Therefore, the bureaus have failed to reveal who actually furnished the information. 

According to The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to disclose the source of information on a consumers credit report under 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ). Specifically, this section of the FCRA mandates that, when a consumer disputes information, the credit bureau must provide the consumer with the following after completing their reinvestigation : A written notice of the results of the reinvestigation. 
The contact information for the furnisher of the information if the information has been verified as accurate, which includes the name, address, and phone number of the furnisher. 
This provision ensures transparency, allowing the consumer to know the exact source of the disputed information, especially when there's a disagreement regarding its accuracy. If the credit bureau fails to disclose this information, it may be violating the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to report a debt on my credit file that needs to be removed. I have contacted XXXX via letters multiple times and they continue to report XXXX XXXX. I have been disputing this account with them for some time and they have never been able to validate this debt to me, and they keep telling me to contact Experian if I believe its wrong. I have tried multiple times to get this resolved with XXXX and have gone as far as trying to pay them to get this removed from my file and it's impossible to talk to anyone there. This debt has never been validated to me, and this debt is past the statute of limitation in CA. Please remove immediately.
Product: Credit reporting or other personal consumer reports

I am not associated with any of the address on my report only one is correct
Product: Credit reporting or other personal consumer reports

TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX Dear TransUnion : While checking my most recent credit report, I noticed credit inquiries that I did not authorize and they are a result of identity theft, made by the following companies : XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please remove all the above inquiries from my credit report. 

I would like to request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific quesons asked of you in this letter. 

This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 

In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report XXXX XXXX {$290.00}
Product: Debt collection

I am in the process of purchasing my first home and my mortgage lender made me aware that my credit score was XXXX points lower than expected. My credit score is affected by an outstanding medical bill from QUEST DIAGNOSTICS for {$50.00}. Service date of medical bill was XX/XX/XXXX. I am very diligent with paying medical bills so I immediately searched my XXXX and was able to find an email from XXXX XXXX ( XXXX ) dated XX/XX/XXXX indicating I had paid the {$50.00} with my XXXX ending XXXX. See attached for proof of payment. 

I immediately called Transworld Systems Inc ( debt collector ). They said I had an outstanding medical bill of {$50.00} ( attached screenshot from TSI web portal ) and I confirmed with them that I had paid it. They said they would follow the standard dispute process for this. I have also filed a dispute letter, attached. 

I called XXXX XXXX multiple times between XX/XX/XXXX to XX/XX/XXXX and no one from their billing department is able to retrieve the associated claim because the invoice is from XXXX and all records from XXXX have been purged from their system. I need a letter from XXXX indicating that the {$50.00} was paid timely so that the credit agencies can remove this from my credit report since it is severely affecting my credit and ability to get a mortgage. QUEST is stating that they can not write me a letter because they can not see the related claim in their systems even though I have proof of payment, so I am at a standstill.
Product: Debt collection

Dear RESURGENT CAPITAL SERV ; 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 reporting or other personal consumer reports

I noticed several unauthorized inquiries on my credit report that I would like removed. According to the FCRA, these unverified items must be removed. I have reported identity theft to the Federal Trade Commission at IdentityTheft.gov. I've reach out to each company for removal but nothing has been removed. 

ALLY FINANCIAL - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is information total incorrect, some one stole my identity. I never receive this services. 
Agency Open XXXX BalanceXXXX XXXX {$5500.00} account reported on XX/XX/XXXX Account # XXXX $ XXXXCurrent BalanceXXXX XXXX XXXX ER SVCS OF XXXXOriginal Creditor {$550.00}, Original Balance, XXXX XXXX, XXXXDate OpenedXXXX XXXX, XXXXReport Date, See something wrong, XXXX XXXX XXXX {$2700.00} account reported on XX/XX/XXXX