23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. 

XXXX XXXX XXXX Account Number : XXXX
Product: Payday loan, title loan, or personal loan

I took out XXXX different loans with Personal Finance Company back in XXXX. I had paid these down by several hundred dollars each. I fell behind XXXX month and mailed them XXXX checks to catch up the amounts I was behind on. Not long after I received a letter from an attorney for them. I called the XXXX XXXX office to find out what was going on and they claimed that they did n't receive my payments. I made payments then over the phone and was told I would be sent an agreement by mail from the attorney and everything would be taken care of. They began reporting me as over XXXX  days late on my credit report which was NOT accurate information. The attorney eventually mailed me the agreement to sign that I signed and returned to them, agreeing to make my payments as outlined. The next day I got served papers by the court. So nothing they told me was true. From then on I had a very difficult time getting any of them to contact me back about any of this. I requested multiple times for them to mail me my payment history with the remaining balances on my accounts because I felt that they were claiming I owed a lot more money than I did, and I was uncomfortable sending even more payments when they were n't being reflected on what I owed. I reached the point where I had given up getting clear information from them. Several years have passed and they have been reporting me as over XXXX days late on my credit report every single month. They never did fix the initial late credit reporting that was inaccurate. This has ruined my credit and caused my family a lot of detriment. I have tried to resolve this but I have no idea who is the correct person to contact and after mailing letters to their corporate office and trying to contact the attorney I am getting no where. I am trying to set this account straight even though I was grossly misled by this company. Their credit reporting is extremely unfair and they will not even get back to me so I can try to negotiate anything. If they ca n't report accurate information than they need to delete their reporting on my credit.
Product: Credit reporting or other personal consumer reports

my information was sold and bought illegally because i was a victim of the equifax data breach. i want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that i was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I have inquiries on my credit report that are fraud and I didn't authorize. 

Inquiry details XXXX XXXX XXXX XX/XX/year> XXXX ( Bank ) XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year>
Product: Mortgage

I filed chapter XXXX bankruptcy in XX/XX/XXXX. In my filing I informed Chase Mortgage that I would not be reaffirming the debt and I would be surrendering the property. Once Chase received the chapter XXXX notification with the notice that the loan would not be reaffirmed, Chase sold the mortgage to XXXX XXXX. I am not familiar with the mortgage laws concerning purchasing or selling mortgages but it would appear that Chase knowingly sold a mortgage to another mortgage company knowing the status of my bankruptcy filing. I was discharged in XX/XX/XXXX and now XXXX XXXX  is showing the same mortgage on my credit report in a negative status. So, now I have the same mortgage showing twice on my report by both Chase and XXXX. I realize that the Chase mortgage would report negatively on my credit but I should not have the same mortgage reported twice, negatively. As a mortgage lender, Chase Mortgage would know that these circumstances would occur, creating dual reporting by separate Mortgage companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Well first I had a fraud alert on my account which should of disallowed anyone to access my report without my explicit permission. Well that didn't work and when I went to buy a car the dealership repeatedly applied to all these different companies without my permission. No one came to me and said, ok the first inquiry didn't go through may we try the next? They ran it over and over again without my permission until they got a company that would fund me. I want all of these hard inquiries removed from my account, I tried removing them using my credit reporting agency but I was told that the company had to remove it and most of them dont have an address. Please remove the following hard inquiries from my report that all occurred on XX/XX/2018. Thank you XXXX => - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | XXXX => -  XXXX | Experian => - XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$2000.00} Highest Balance {$6000.00} Account Dispute Payment never late FCRA violation. How is this verified? Not Late. Inaccuracies placed on my report. I will enclose in my attached documents, with wrong names, addresses on my report.
Product: Credit reporting or other personal consumer reports

I recent looked at my credit report and noticed there were a number of fraudulent inquiries on my credit report that I did not authorize or give consent for. Those fraudulent inquiries consist of the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Around XXXX of XXXX I, along with my employer, suddenly received an income execution from the XXXX about a default judgment allegedly entered against me back on XXXX XXXX, XXXX by Colorado Capital Investments. The original judgment was {$1600.00} and with interest the income execution now totals {$3600.00}. When I called Colorado Capital Investments ( as advised by the Marshals office when I told them I had no clue what this was about and why did they also send info to my employer ) Colorado Capital Investments informed me of the default judgment they had against me and that the XXXX were to collect on the debt. I explained to them I was never made aware of a default judgment entered against me and did not live in the state of XXXX from XXXX through XXXX so could never have received any notification of such. I was not even sure what the judgment default was for because it is over 12 yrs old. They said they would send me some paper work and ended up sending me forms saying they received my complaint of " fraud '' and requested info such as a drivers license, etc to prove my residence back in XXXX. I have no such info as requested, it has been over 15 years since XXXX and I was required to turn in my XXXX license in when I received a license XXXX when I returned in XXXX and I did not keep things such as residential leases, utility bills, etc from XXXX to prove my residence. More importantly, I never alleged fraud of any kind. I told them there had to of been process of service issues considering I did not live in XXXX at any time near XXXX. So not only did I not receive a summons and complaint, but I also never received notice of the default judgment entered against me. It is unfair practice to let a default judgment sit and collection interest for 12 years and then finally act on it when the interest is higher than the amount of the judgment. Moreover, I told them that when I began law school in XXXX I received a full credit report on myself to ensure that I corrected all debt issues before I graduated law school this past XXXX so that I did not have any difficulty passing the Character & Fitness portion of the admission process and advised them that no such judgment has ever appeared on my credit report. Because I was unable to come forward with any documents of where I lived in XXXX, Colorado Capital Investments and the XXXX office have continued to contact my employer only!
Product: Debt collection

Back in XXXX of XXXX, I received a notification from my credit bureaus that a collection trade was posted to them. I was never sent any communication ( either by mail, email or calls ) that my credit reports were going to be hit with a collection item. I called the collection agency and they stated that they were representing an apartment complex that my son was living at. My son gave the complex notice that he was moving out due to unsafe surrounds and unsafe health issues. At no time did the apartment complex give me notice that they were going to send me or my son to collections. The negative trade line has severely hurt my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX Account Number : XXXX I have never been late with any payments for this account. Therefore, I request that you remove this inaccurate data from my credit file immediately as per the FCRA. 

XXXXXXXX XXXX XXXX  Account Number : XXXX There is no record in my possession that this account belongs to me. Therefore, I request that you remove this inaccurate information from my credit report without any delay as per the FCRA. 

XXXX XXXX Account XXXX : XXXX There is no record in my possession that this account belongs to me. Therefore, I request that you remove this inaccurate information from my credit report without any delay as per the FCRA. 

XXXX Account Number : XXXX There is no record in my possession that this account belongs to me. Therefore, I request that you remove this inaccurate information from my credit report without any delay as per the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Since the other credit bureaus were unable to verify this account, I request that you delete this inaccurate account from my credit report as per the FCRA XXXX 

XXXX XXXX XXXX Account Number : XXXX Since the other credit bureaus were unable to verify this account, I request that you delete this inaccurate account from my credit report as per the FCRA XXXX 

XXXX XXXX Account Number : XXXX There is no record in my possession that this account belongs to me. Therefore, I request that you remove this inaccurate information from my credit report without any delay as per the FCRA. 

XXXX Account Number : XXXX There is no record in my possession that this account belongs to me. Therefore, I request that you remove this inaccurate information from my credit report without any delay as per the FCRA. 

The following personal information is incorrect Account Number : XXXX XXXX XXXX - This address belongs to someone else. Please delete it from my report immediately in compliance with the FCRA. 

The following personal information is incorrect Account Number : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY- This is not my employer. Please delete it immediately from my report in compliance with the FCRA. 

The following personal information is incorrect Account Number : XXXX XXXX XXXX- This is not my employer. Please delete it immediately from my report in compliance with the FCRA. 

I request that you conduct an investigation into these items as per the FCRA and respond to me within 30 days with the results of the investigation. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I notified the company to tell them that was never me and the still will not remove it from my credit report... They also won't remove from my credit report asking those many time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the status of an account being reported by Experian that states I have a recent Delinquent/Charge Off account in the amount of {$130.00} first reported XXXX of XXXX. This is inaccurate and is tremendously damaging my credit profile as I am in the process of starting a new business and leveraging my personal credit to secure business funding. 

Actions Taken : I have contacted XXXX XXXX via phone, in-office meetings, and have spoken with multiple staff members from management all the way back to the collections department multiple times in hopes to get this matter resolved on my own. I have also provided them with a copy of my dispute letter with the credit bureaus. This inaccurate reporting has cost me months of frustration and countless monthly credit report monitoring fees as I continuously check everyday to see if it gets resolved. My credit profile & credit score has suffered tremendously throughout this long process. 

Additional Actions Taken : I have also contacted Experian Credit Bureau directly and they have not resolved this issue either. They actually claim that this inaccurate information was verified by The XXXX XXXX. Experian has not provided me with any documents that support their conclusion. They have appeared to change or re-age the " first date '' this account was originally reported in XXXX to a new " first date reported '' now stating XX/XX/XXXX. 

The XXXX XXXX verbally informed me that they have not reported any new delinquent account information to the Credit Bureaus dating XXXX of XXXX and they advised me that my only option is to dispute with the credit bureaus directly in order to get this matter resolved. They also expressed to me that there is no other documentation that they can provide me with in regards to helping me resolve this matter with the credit bureaus myself. Ive been a long standing member with XXXX XXXX and theyve seen my repeated efforts to try and resolve this matter without getting any 3rd party involved. They have not provided me with any additional documentation that supports my efforts to get this inaccurate information removed.
Product: Credit reporting or other personal consumer reports

I paid off the account in 2022 and relocated to Florida last year. When I got the bill from XXXX I requested a copy of contract where I approved of this charge. XXXX did not provide such. I am not just noticing that there is a charge back.
Product: Credit card

There are actually two parts here - credit card and credit reporting and it goes back to XXXX In XXXX, I received a personalized application in the main for a new credit card from Bank of America. It was addressed specifically to me and not a generalized " Dear valued customer '' and indicated that I had a good credit score and qualified for a new credit card. After giving some thought, I applied for it. It was from Bank of America. However, a month later, in XXXX, I was denied for it with the argument that I had already reached my limit even though I have a XXXX credit score. When I received my monthly statement, it indicated that my file needed to be update or my card could be closed, so I updated it. I contacted Bank of America to find out why I was denied only to be given the run around. Finally, a worker told me that " it was a generic bulk mailing sent to everyone '' ( except for the fact it was specifically to me and not a generic heading ). In XXXX, I received my credit report from XXXX and it said my credit was checked twice by Bank of America, once in XXXX, right before I received the application and again in XXXX after I sent the application in. Now my credit, even though it is excellent, has that I was denied a credit card, which I would not have applied for to begin with if it was a generic bulk mailing and it has that my credit was checked twice in a short period of time, which only drives up my rates. I can gather my papers and send them in if you need, but I would either like to be reconsidered for the credit card, have it entirely removed from my credit report, and to have XXXX of the credit checks removed if I do qualify for the card. It was checked by XXXX different branches of BoA and it seems that XXXX does not know what the other side is doing and that they might have changed their minds after sending out the offer, both of which are bad practices. 

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

Over the past 6 months Ive contacted TransUnion over 107 times. Ive provided documentation to them that validates my claim that the information pertaining to a Bankruptcy listed is invalid. I was advised by representative XXXX that TransUnion contacted via telephone the bankruptcy court and verified the inaccurate information, after conversing with XXXX at the court she advised that this was incorrect as the courts does not verify said information. I was even provided a letter which was provided to TransUnion. I additionally contacted XXXX, XXXX and XXXX who too confirmed they had not verified any data. In contacting TransUnion again, representative XXXX advised that they closed the dispute because they had previously verified it despite the existing new information. 

My name, address, date, type, amount are all incorrect. TransUnion also erroneously has accounts listed as a part of the bankruotcy that are not. Note none of this is an issue with the other bureaus
Product: Credit reporting 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 Experian 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 accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) and NAVY FCU. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) and NAVY FCUwith no successful resolution. There was definitely an error on their part.
Product: Debt collection

I am filling this complaint against One Main Financial for various violations of my rights under the Fair Credit Reporting Act. 

I have reached out to One Main Financial several times to dispute the account information that they are furnishing to the credit bureaus. 

My last attempt to rectify the issues with One Main was addressed with the correspondence I have attached to this complaint sent on XX/XX/202. I sent a correspondence to One Main Financial by certified mail stating that I wanted to dispute the referenced account on the grounds of inaccurate information and inaccurate reporting of account history. With my letter I included two correspondences that I received from One Main Financial in regard to the balanced owed. I have two documents from One Main with two different amounts owed. I asked that One Main Financial conduct an investigation and provide to me all payment history along with the accounting methods and the accurate amount owed. If One Main is unable to provide such, I requested that the inaccurate account be deleted from my credit profiles.

Along with incorrect balance information, One Main also is providing inaccurate account history information to the credit reporting agencies. I have also address this issue with One Main as my this company continues to ignore my written requests.

One Main continues to ignore my requests for the requested information. One Main continues to violate my rights under the Fair Credit Act by not performing a reasonable investigation into my claims as I have provided proof with contradicting account information provided from One Main itself. One Main has also violated my rights under the FCRA for failure to notify the Credit Reporting Agencies that I disputed the debt with their company. One Main continues to certify to the Credit Reporting Agencies that the account information is accurate when I have provided proof of the inaccuracies and conflicting account information.

One Main has sent me several letters in which I have included with this complaint. The correspondences that were sent clearly show One Main failure to acknowledge my dispute, even though I provided sufficient proof in documentation.

As a rule, its illegal for One Main to report information that they know or believe is inaccurate. You have " reasonable cause to believe '' that information is inaccurate if you have knowledge, other than allegations from the consumer, that would lead a reasonable person to doubt the accuracy of the information. FCRA Section 623 ( a ) ( 1 ) ( A ) According to the FCRA, One Main can not, under any circumstances, report information that I, myself, the consumer has reported to One Main is inaccurate if it is, in fact, inaccurate. FCRA Section 623 ( a ) ( 1 ) ( C )
Product: Credit reporting

I placed a dispute with equifax earlier in the year due to there is a second social security number on my credit report and tradelines that did not belong to me. I disputed the items, the dispute returned deletion of all information that did belong to me. as of me checking my report all information that was previously deleted from my file has been placed back on my file.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXXXXXX customer service representative.