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

Request for Certification of Accuracy of Information ( Need Wet Ink Signature on The Unauthorized Fraudulent Accounts } Grounds to Sue.

Violations of : 1. Proof Credit Transaction. Wet Signature of an Application. Proof of A
uthorization 2. Reinsertion of Deleted Item : 15 USC 1681i ( 5 ) ( b ) ( XXXX XXXX  ) XXXX. Late Payments : 15 USC 1681 a ( 2Xi ) ; 15 USC 1681 4. Permissible Purpose : 15 USC 1681b 5. Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 6. Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) 7. Verification : 15 USC 1681i ( 7 ) I, XXXX XXXX, declare under penalty of perjury that the following statements are true relating specific debts reflecting on my credit profile. The circumstances surrounding these alleged debts raise tremendous ethical and legal issues, involving fraud and coercive practices. These practices have led to an unjust financial obligation on my part, as my SSN has been used as a personal and financial gain illegally. Since there has been no consent or legitimate purpose established for the sharing of my information, any reports generated or shared without my authorization constitute a violation of this act. I expect for a detailed thorough investigation is conducted into these discrepancies and remove the fraudulent items. These accounts were opened in my name without my knowledge and continue to damage my personal character and financial well-being. Pursuant to the FCRA, credit reporting agencies are obligated to block fraudulent information within four business days of receiving proper documentation. It is clear that you have failed to fulfill this legal responsibility. The derogatory marks are XXXX XXXX : # XXXX : Balance : {$320.00} | Date XXXX XXXX : XX/XX/year> I attest that the alleged debts associated with these accounts do not reflect my financial responsibilities and are in result of practices that are deemed fraudulent. I am disputing these accounts and request that by resolving this dispute that they are blocked and deleted from my credit profile. By doing so is crucial to rectifying the inaccuracies and relieving the undue burden they have imposed on my financial standing. I am aware of my rights under federal and state laws regarding credit reporting and identity theft.
Product: Debt collection

I'd like to refer to you the attached affidavit of service from the debt collector Mullooy, Rooney, Jeffrey, and Flynn ( MRJF ).

In the affidavit of service, the agent of MRJF states that he talked to my neighbors to determine my address, and looked through my mail to determine my address. 

I would refer you to 18 U.S.C. 1708.

Going through my mailbox and my mail to determine if I live somewhere constitutes mail theft. I have asked the USPS Postal Inspector to prosecute.

The affidavit also states that the debt collector " spoke with a neighbor who says the subject resides. '' This is a clear effort at intimidation. My neighbors should not be informed of my debt, a process server should not trespass on my property, or attempt to rifle through my mail. 

I ask the CFPB to take immediate action against this debt collector for violations of the law. 

I also want to make clear that while MJRF has accused me of filing duplicative complaints as a way to " intimidate '' them, I have not complained about this issue before as it has just come to my attention.

The complaints I am filing against MJRF represent distinct instances of where I believe them to be breaking the law, and if they would like me to stop complaining, they should stop breaking the law.
Product: Debt collection

This complaint is with original company XXXX XXXX XXXX XXXX XXXX but has been sent to a 3rd party collections, XXXX XXXX XXXX for the amount of {$110.00}. I have attempted several times to dispute this reporting on my own and company has not given a resolution. This account was set up with out my permission and with my personal information. XXXX XXXX XXXX XXXX did not have best practices with verifying if person calling in is the correct party. 

This is injust and i shouldnt be held responsible when my identity was used without verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted Equifax about the following incorrect information on my credit report. To this date they have not responded. 

You are reporting the XXXX  ( Date Opened : XX/XX/XXXX, XXXX : {$8500.00} ) account incorrectly. I disagree with the Balance of {$8500.00}, as I remember the amount to be lower. I ask you to delete the information regarding the Past Due amount, which shouldn't be reported because this account is closed and charged-off. Since my credit score depends on the changes applied on my accounts, I ask you to mark this account as disputed, so that it would not influence my credit score. 
The information presented for the account XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2500.00} ) is also inaccurate. I remember that the original creditor on this account is a distinct company XXXX XXXX XXXX than the one you indicate. You report a higher Balance of {$2500.00} than the amount I suppose I owe. As your agency presented this account as closed and charged-off, the Past Due amount is not supposed to be provided for this account. In light of this, I require that your bureau verifies the XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2500.00} ) account, since I am unsure of the accuracy of the Balance reported for this account. Until I clarify this matter with the creditor, I ask you to mark this account as disputed, so that it won't have any further negative impact on my credit score. Moreover, I request you verify the Date Opened, Date of Status, and First Reported for this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is to follow up on my previous complaints and letters I submitted on XX/XX/2022, and to inform Transunion that I am halfway of taking legal action and sue them for their willful non-compliance of the FCRA statute. Only if the Credit Bureaus chose to update and correct the account on my Credit report, then I may stop filing lawsuits against Credit reporting agencies.Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. The account that should be corrected is : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report on XX/XX/XXXX and saw inconsistencies with XXXX XXXX Mortgage Account. I submitted and online dispute with Experian. They deemed that the information should be updated and not deleted. This information was not consistent across the 3 major credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1681Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A.Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX US DEPT ED
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed 2 publuc records that are not mine and the credit bureau did not remove the error. Both XXXX  and XXXX removed this incorrect information from my report. I can not reach anyone by phone even though the information im inputting is correct. Its only giving me an option to correspond by mail. I contacted the court and they also could not give me any info on these inaccurate records.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX violated my 609 rights by reporting incorrect information to Experian regarding my credit file. Experian further violated my rights by adding this incorrect information to my credit profile for others to see XXXX XXXX XXXX reported to the Experian that i applied for credit in which i never applied for. They have violated my rights to have fair and accurate information on my credit. 

My personal information on my credit report is inaccurate as well. I have requested to have my addressees, hone numbers, and names correct on my report this is a violation on my consumer protect rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX To make things even worse, all of the accounts listed above were opened without my written consent. In addition, after reviewing my full credit report, all of the accounts listed above have wildly inconsistent " DATE OF LAST PAYMENT '', " DATE LAST REPORTED '' & " DATE LAST ACTIVE '' information. These accounts above have caused significant damages In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under 15 USC 1692C15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C 1681 Section B. States that Anypersonwho obtains aconsumer reportfrom aconsumer reporting agencyunder false pretenses or knowingly without a permissible purpose shall be liable to theconsumer reporting agencyfor actual damages sustained by theconsumer reporting agencyor {$1000.00}, whichever is greater.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting a fraudulent account on my credit files. I am a victim of identity theft and I have never opened an account with XXXX XXXX XXXX  XXXX, or any of its subsidiaries. This account is continuously being sold and re-reported. This fraudulent account needs to be removed immediately. I have already contacted XXXX XXXX XXXX and they have not responded to my request, nor have they provided any information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went shopping for mortgage was told to get offers from others lenders and it would not effect my credit score .So I did and it dinged my credit score after I was told that the mortgage inquires would show up once it is affecting my score negatively now I dont get approval when I started I was preapproved how can I get this fixed so I can buy my house
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

West Asset Management has continued to call my place of employment. I have requested them not to call me at work but, they continue to call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information in my file. Account number- XXXX XXXX XXXX This account paid on time and fully. There were no late payments. I request that this be deleted from account from a lack of factual information being reported. XXXX XXXX XXXX XXXX This account paid on time and fully. There were no late payments. I request that this be deleted from account from a lack of factual information being reported. XXXX AXCSSFN/CNGO This account paid on time and fully. There were no late payments. I request that this be deleted from account from a lack of factual information being reported. XXXX AXCSSFN/CNGO This account paid on time and fully. There were no late payments. I request that this be deleted from account from a lack of factual information being reported. XXXX XXXX XXXX This isnt a charge off account. This account paid on time and fully. There were no late payments. I request that this be deleted from account from a lack of factual information being reported. 
I am also victim to having several unauthorized inquires in my report I am requesting that the items be deleted to correct my credit report. Bk of XXXX XX/XX/2021, XXXX XXXX XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SUPPLIED PROOF UNDER THE DOCTRINEOF ESTOPPEL BY SILENCE, ENGELHARDT V. GRAVENS ( MO ) 281 SW 715, 719, I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXSIST. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX XXXX  XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX  Account number : XXXX XXXX XXXX XXXX XXXX Account number : 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: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX Department, XXXX XXXX XXXX, XXXX, GA XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX. 


Subject : Dispute of Inaccurate Information on Credit Report To Whom It May Concern, I am writing to dispute the following inaccurate information on my credit report due to identity theft. According to 15 U.S. Code 1681c-2, a consumer reporting agency is required to block the reporting of information that a consumer identifies as resulting from identity theft within four business days of receiving the dispute. It has been 30 days since I initially reported this issue, and you are now in violation of this law.

Please delete the following accounts immediately as they should not be reported on my consumer report : XXXX, XXXX, XXXX Accounts XXXX XXXX XXXX  Account XXXX Date open : XX/XX/XXXX ( please remove immediately ) CAPITAL ONE Account number XXXX Date opened : XX/XX/XXXX ( Please remove immediately ) Under 15 U.S. Code 1681b, consumer reporting agencies can only furnish a consumer report with the written consent of the consumer. I have never given any written consent to report these inquiries, and their presence on my report is a violation of my rights as a federally protected consumer. 

As a consumer, I am demanding the immediate deletion of the accounts listed above. 

Please send me a confirmation of receipt of this letter and notification of the outcome of your investigation. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Bureau / XXXX XXXX XXXX XXXX Account # XXXX Im still shocked that you continue to report this above auto loan account into my credit, and you failed to truthfully verify & investigate this account thoroughly. I just include a screenshot below that shows several inconsistencies, misleading, incomplete information on it. Its my understanding that the consumer laws clearly state that information on individual credit reports needs to be reported 100 % accurate and it needs to be 100 % verifiable. As you can see the information below, its not 100 % of either and its reporting misleading and incomplete information. Therefore, its impossible that you verified. Actually, XXXX deleted it immediately from my credit because of these several violations that I pointed out below and I demand that you DELETE it from my credit as well. Its causing this account to illegally re-aged, which is a violation under the provisions of FCRA, and therefore, it can not be reported on my credit report. For example, The HIGH CREDIT BALANCE is different between the 2 credit reporting agencies ; one reports {$9300.00}, and the other {$4300.00}. Its my understanding that the HIGH BALANCE on the charge-off account needs to be higher than the actual balance but not in this case and it needs to be reported. Again, this account is in violation of my consumer rights and it needs to be removed from my credit report. It unverifiable and its reporting incorrect, inaccurate, misleading, and incomplete information. Its completely inconsistent!
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX On my credit report the fraudulent listed account number is XXXX with XXXX XXXX XXXX XXXX  This is not my account. I have tried over and over to clarify that this account does not belong to me. I have disputed it with the bureaus to no avail.I have sent letter and faxes to XXXX XXXX with my Identity theft report from the FTC. The only thing that the bureaus and XXXX XXXX  are doing is validating the account. How can you validate a fraudulent account. This account is not mine.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft, and I called XXXX XXXX and explain the reason why I should not have a late payment on my account. I was instructed by a respresentative of XXXX XXXX not to pay the XXXX credit card at the time I reported identity theft. Which that date was XX/XX/XXXX. I was in Arizona at the time the crime was committed. I was instructed by the police at the time to call all banks and credits cards and put a stop/lock on everything til the investigation was finish. once the investigation was over I went back to pay the XXXX credit card as normal. I thought XXXX XXXX understood the situation at hand, when I called this year of XX/XX/XXXX and reported identity theft with proof that it happened again is when I find out they reported a late payment.I don't understand what's the issue on a XXXX credit card of {$200.00} that is now closed. please all I ask is that the account be updated to show no late payments
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX, XXXX XXXX XXXX, 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX AND XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 14 22 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> - {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am shocked and upset about the erroneous things I have seen in my credit report. These accounts are unverifiable, invalidated, inaccurate, and questionable. If everything is not reporting 100 % accurately it must be removed. 

I contacted the experian, XXXX and XXXX on XX/XX/XXXX regarding these inaccurate accounts. They have been no help to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update and correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I sent a certified letter to TransUnion in which receipt had been confirmed on XX/XX/21, to dispute the inquiries listed on my credit report and request that they removed in their entirety. I had received no response from TransUnion nor any update to my credit report as a result. After XXXX days with no response, I sent a second certificated letter to TransUnion on XX/XX/21 in which receipt had been confirmed on XX/XX/21 to follow up again on my inquiry disputes and requested a second time for them to remove them from my credit report. 

As of today on XX/XX/21 I have not heard any official response from TransUnion nor any updates to my credit report stating they were working on my disputes and legally they are required to remove all of my inquiries from my credit report immediately.
Product: Credit reporting

I pulled my XXXX XXXX Credit report on XX/XX/XXXX. I noticed there are XXXX inquiries by the company " Transworld Systems INC / XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX '' on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with no trades to justify the inquiries. Not only does that bring down my credit score it makes it harder for me to gain employment, I also fear it make be my ex boyfriend trying to locate me, he is a debt collector.