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

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b. Please have the following items removed as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Please comply with the Fair Credit Reporting Act section 605b, and have the disputed accounts and information removed from my creit File as soon as possible.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I have advised all credit bureaus and original creditors that I did not open this account and I did not authorize any one to open this account I was incarcerated when this identity theft happen
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian regarding their failure to comply with the Fair Credit Reporting Act ( FCRA ) in relation to inaccurate and unverified information on my credit report. I have disputed the following items on my credit report with Experian because I believe they are inaccurate and can not be verified. Despite my formal request for verification under Section 611 of the FCRA ( 15 U.S.C. 1681i ), Experian has failed to provide adequate verification or delete the contested items. The disputed information includes : Creditor/Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In addition to contacting the credit bureaus directly, I have also filed a report with the Federal Trade Commission ( FTC ) regarding this matter. My FTC report reference number is. This report outlines the same issues I am presenting here and supports my claims of unverified and inaccurate information on my credit report. On XX/XX/year>, I sent a formal dispute letter to Experian, requesting verification of the items listed above. I provided copies of my credit report and supporting documentation, but I have not received a satisfactory resolution. The disputed items remain on my credit report despite the lack of proper verification. Given the continued presence of unverified and potentially inaccurate information on my credit report, I request that the CFPB take the following actions : Investigate the failure of Experian to comply with the FCRA. Ensure that Experian either verify the accuracy of the disputed items or promptly delete them from my credit report. Address any potential violations of my rights under the FCRA by Experian. Please find attached the following documents to support my complaint : A copy of the FTC report XXXX .Any correspondence between myself and Experian regarding this dispute I appreciate your prompt attention to this matter and look forward to a resolution that upholds my rights under the FCRA XXXX 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my recent credit report, I have identified several unauthorized credit inquiries. It seems my credit information has been compromised under your supervision. Despite submitting FTC report # XXXX, these inquiries remain unresolved. I previously contacted the companies listed below, requesting the removal of these unauthorized inquiries from their records and all credit reporting agencies. They confirmed their compliance and acknowledged receipt of certified letters indicating the inquiries were unauthorized. I demand the immediate removal of the unauthorized inquiries listed below. This letter addresses several unauthorized hard credit inquiries on my credit report. Enclosed is my new FTC report, number XXXX, for your reference : Experian : XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX. As stipulated in the Fair Credit Reporting Act Section 605B ( a ), you are required to remove items opened without my knowledge, consent, or authority within XXXX business days, provided ( XXXX ) appropriate proof of my identity; ( XXXX ) a copy of an identity theft report ; ( XXXX ) identification of such information by me; and ( XXXX ) a statement from me that the information is not related to any transaction by me. This complaint serves as formal notice that failure to remove these inquiries from my report will result in legal action. My attorney is aware of my intentions and is prepared to hold you accountable for any noncompliance. Thank you for your immediate attention to this matter.
Product: Credit reporting or other personal consumer reports

I have carefully reviewed my credit report in the 3 credit bureaus. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. COMENITYCB/FOREVER21 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 the customer service representative of the said accounts.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan go late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent Letter Notification & Disputes in XX/XX/2022 and XX/XX/2022 to TRANSUNION. TRANSUNION is reporting ( XXXX ) Alleged Debt Collection amounts {$7100.00} ; {$920.00} from the same Alleged Debt Collector " XXXX XXXX XXXX '' ; Alleged Debt Collection Amount {$190.00} from XXXX XXXX XXXX and Alleged Debt Collection Amount {$230.00} from XXXX XXXXXXXX XXXX XXXX These accounts are inaccurate & fraudulent as I have never signed any contract to do business w/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ; I never signed any contract nor did I provide permission for these companies to use my private information ; Congress has stated under federally protected law that I have a right to privacy. Since XXXX XXXX XXXXXXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX fraudulently obtained by private information, TRANSUNION is also participating in this fraud by reporting my private information ; This is a form of Identity Theft and they are all implicated. 
I obtained my XXXX Credit Report currently stating ( XXXX ) Collections which factually provides proof of inaccurate information against TRANSUNION 's Credit Report. 
TRANSUNION has not provide their company 's Method of Verification and requested investigative consumer report as detailed in 15 USC 1681a ( e ) I have requested TRANSUNION to Block this Alleged Debt Collector Information per 15 US Code 1681c2 I have provided TRANSUNION notice they may be civilly liable for negligent noncompliance per 15 US Code 1681o SEE ATTACHED Letters that have been mailed and received via Certified Mail to TRANSUNION and their Registered Agent -- -XXXX  XXXX
Product: Debt collection

The following companies are in VIOLATION of FCRA 15 USC 6802 Obligations With Respect To Disclosures OF Personal Information. Section A States A finicial Institution may not, directly or through any affiliate, disclose to a non-affiliated third party any nonpublic personal information unless such financial institution provides or has provided to the XXXX a notice that compiles with section 6803 of this title All credit bureaus are in VIOLATION of Sections ( B ), ( 1 ) A, B, & C & FCRA 15 USC 1681 Permissible Purpose was not given. I've asked for removal of the following accounts from consumer profile Immediately XXXX XXXX XXXX LVNV FUNDING XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, My name is XXXX XXXX I reached out to XXXX and Equifax on XX/XX/2022 and it is now XX/XX/2022. I haven't received any information pertaining to my disputes of delinquent accounts on my credit report that do not belong there. Its been way over 30 days in which I have received a response in which they continue to have a XXXX card account and a XXXX unsecured loan that does not pertain to me or have the bureaus provided evidence on how these accounts are mine which is severely hurting my credit. I need the CFPB help in holding these bureaus accountable in which they are furnishing information on my credit report without my consent violating USC Laws, and FCRA violations in which I haven't received a response with 30 days pertaining to these accounts.
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCERN : IN REFERENCE TO THIS ACCOUNT LISTED BELOW : Account : National Credit AdjustXXXX I WILL PAY ANY FINANCIAL OBLIGATION WHICH I MIGHT LAWFULLY OWE, ON THE CONDITION THAT THEY PROVIDE ME WITH : 1. I NEED THE FOLLOWING VALIDATION OF THE DEBT - THAT IS THE ACTUAL ACCOUNTING 2. VERIFICATION OF THEIR CLAIM AGAINST ME ; THIS IS A SIGNED INVOICE.

3. A COPY OF THE CONTRACT BINDING BOTH PARTIES ( ME AND THEM ), IN A LETTER BY CERTIFIED MAIL SO THAT THERE IS AN INDEPENDENT " WITNESS TO IT HAVEING BEEN DELIVERED. '' PLEASE SEND ME THE TRACKING NUMBER AS WELL.

FURTHERMORE I WILL ALSO NEED : 1. FULL DISCLOSURE I WAS NOT TOLD THAT YOU WERE ACTUALLY CREATING THE CREDIT WITH MY WET INK SIGNATURE.

2. EQUAL CONSIDERATION THEY BROUGHT NOTHING OF VALUE TO THE TABLE AND HAS NOTHING TO LOSE 3. LAWFUL TERMS AND CONDITIONS BECAUSE YOURS WERE BASED ON FRAUD 4. THE WET INK SIGNATURES OF BOTH PARTIES I AM WRITING TO INFORM YOU THAT IM NOT IN DISPUTE WITH ANYTHING BUT I DEMAND THE FOLLOWING LISTED ABOVE BE PROVIDED IN ORDER FOR ME TO BE ABLE TO MAKE PAYMENT.

PLEASE RESPOND BACK WITHIN 15 DAYS OF THIS CERTIFIED LETTER.

IF YOU DO NOT RESPOND I WILL CONSIDER THE DEBT TO BE FULLY DISCHARGED AND I WILL NEED IT IN WRITING SINCE YOU DID NOT RESPOND BY THE STATED ABOVE TERMS TO PROVIDE THE NECCESSARY EVIDENCE OF A LAWFUL DEBT WITHIN THE REASONABLE PERIOD OF TIME PROVIDE, I WILL CONSIDER THE DEBT IS FULLY DISCHARDED.

WITHOUT PREJUDICE. 

This company has failed to send me proper verification of this debt. Please remove this from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX  XXXX XXXXBalance : {$12000.00} ; XXXX XXXX Balance : {$6900.00} ; XXXX XXXX Balance : {$2400.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$17000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$54000.00} ; XXXX XXXX XXXXBalance : {$16000.00} ; XXXX XXXX XXXX Balance : {$5800.00} ; XXXX XXXX Balance : {$6300.00}.
Product: Debt collection

I believe the XXXX XXXX XXXXXXXX or Financial Credit Network is attempting to committee fraud and collect an amount that is not do. I normally don't ask for itemized statements, but as of this time I am asking that the XXXX XXXX XXXXXXXX through them or FCN provide me a bill for each of these months listed below. 
bill for XX/XX/XXXX to XX/XX/XXXX bill for XX/XX/XXXX to XX/XX/XXXX bill for XX/XX/XXXX to XX/XX/XXXX bill for XX/XX/XXXX to XX/XX/XXXX these bills need to include all meter reading and payments applied, As of what you sent me you show that as of XX/XX/XXXX that I owed a bill of {$300.00} billed at a rate of {$78.00} a month, This would show that I had made no payments since the start of service, and then 3 more bills sent out after that or service stayed on for another 3 months with out payment, just to clear up what im saying is NO UTILLITY COMPANY WILL COUNTINUE TO GIVE SERVICE WITH OUT PAYMENT OF MORE THEN 2 MONTHS, but your company is claiming that I received 6 months of service with out payment, I believe if I owed them {$300.00} by XX/XX/XXXX that the would have cut off services and not continue to bill an additional months, so at this time I do believe that fraud is being committed and that if this information cant be provided as requested in the next 15 days for I have already contacted financial credit network several times, that im left no choice but to file civil action and contact the State Attorney Office to investigate for criminal charges, and the Utility commission as well.
Product: Bank account or service

This company took {$300.00} out of my checking account without my permission starting on XXXX XXXX, 2016 XXXX web id XXXX
Product: Mortgage

I did not pay Wells Fargo Home Mortgage late They are reporting this for 10 years of debt and I did not pay them late.This shows up negatively on my credit They have been contacted several times and they say we are working on it and never conclude the investigation they are working on. This has cost me several loans and credit card because of this nit beinghandled in a proper manner
Product: Mortgage

Hello, I am reaching out because I need assistance in resolving this issue. I tried logging into my account after I got off work on Friday XX/XX/28. Upon logging into the account, I was unable to make a payment. The system required me to make two payments. I then tried to call the payment center to make a payment by phone. Because I have a loan modification application, the system directs you to speak to a representative. Because it was after hours I could not make the payment. I am now required to make 2 payments in order to bring my account current. 

I am being punished for having a loan modification on file. It seems as Amerihome is purposefully keeping me from making a payment on my account. I was told in order to make a payment I could pay a fee or mail the payment in. I made the payment. Now, I have to suffer with a late payment on my credit report which is unfair. 

I have also reached out for assistance with my mortgage loan to get a reduction in my mortgage payment which includes prinicipal. I am dealing with a property underwater, sewage system failing and I am still fighting desperately to keep my home after being diagnosed with XXXX. And having 5 XXXX. Durning this process, I submitted a signed letter from the doctor which showed the time I was required to have off work. amrihome then required me to give the reason for the diagnosis. I had to disclose the XXXX, which I feel is a invasion of privacy. If I have a signed document from a doctor that should have been suffice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Payments on Account # XXXX were made in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for more than the minimum amount due each month and more than enough to satisfy any fees on the account. I was in contact with XXXX XXXX through phone and chat confirming that my account was in good condition and that the issue was on their side. I also requested that an investigation be opened to find out why my account was accelerated for the full note in XXXX which was more than the agreed upon monthly minimum payment. Representatives confirmed with me that there was an issue and that the issue would be resolved and that I am current on my loan. XX/XX/XXXX was the final payment for the loan and in XX/XX/XXXX, my credit record was hit for two late payments in XX/XX/XXXX and XX/XX/XXXX. I have since disputed this multiple time with all three credit agencies. Secondly, anyone can pull my credit record now and clearly see the payment history on this account and it will show payments ( more than minimum ) received in the same months that are reporting late, how is that even possible? I made every single payment on this account including interest and fees on time from XX/XX/XXXX to XX/XX/XXXX, and I was never 30 days or more late ever. XXXX XXXX manipulated the amounts by accelerating the account for the full loan payment without prior communication and representatives fail to document disputes and / or disputes were erased and never investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I informed XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , However, they stated everything was complete and accurate. But is that possible if the open date, date of last activity and much more is incorrect. According as stated in 15 U.S.C 1681 ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

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 : 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

In fact they ARE NOT even in compliance with metro 2 credit reporting. I do have evidence to prove and bring forward to prove my case.
Product: Money transfer, virtual currency, or money service

PAYPAL, THE THING IS I VE BEEN TRYING TO GET OUT OF THERE XXXX SOMEHOW ONE MINUTES IT WAS LOOKING GOOD EVERY THING GOOD ALL THAT THEN IT CRASHES, EVERYTHING JUST STOPPED NO CALLS NO ANSWERS, SO I XXXX CALL THEM I WAS POLITE AND SO WAS SHE, ACTUALLY THE LADY GAVE ME HOPE I, SO THAT WAS A WEEK A GO, XXXX LONGER, SO I DID WHAT SHETOLD ME TO DO, ANY INFO THEY WANT THEY CAN HAVE, XXXX DOWNLOADED 100 % EVERYTHING DURING MY CAMPAINS I HAD A LOT OF VEIWERS XXXX MORE SOMETIMES, CHANNEL WAS DOING GOOD, ITS STILL DOING GOOD BUT MY TIME I PUT ON IS LESS BECAUSE I HAVE XXXX DOLLARS SOMEWHERE AND EITHER I DONT NO SOME XXXX KNOWS I DO APRECIATE YOUR HELP ON THIS BECAUSE ITS A PUZZLE IAM IN I JUST WANTED TO GET PAID YOU KNOW NEXT THING XXXX HAVE ME IN A WORKSHOP LOOKING FOR A VARIANT XXXX XXXX BACKS ME UP 100 % JUST I HAVE NOTHING AGAINST THEM, FROM WHAT I HEARD PAYPAL WAS A GOOD PLACE TO GET YOUR MONEY TRANSFERED, SO IAM STILL LOST FOR WORDS I CAN SEE THE LETTER IS GETTING LONG, HOPEFULLY THIS WILL GET SOMETHING GOING THANKS BYE
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern ; On XX/XX/XXXX I asked Experian to verify that all information they are reporting on my credit report regarding Account # XXXX ( XXXX ) XXXX verified and accurate. 

On XX/XX/XXXX Experian responded with the following : " INVESTIGATION RESULTS- VERIFIED AS ACCURATE : The disputed item was verified as accurate. We investigated the information you disputed, and the disputed information was VERIFIED AS ACCURATE. Here is how this item appears on your credit report following our investigation. 

" After obtaining a new credit report on XX/XX/XXXX, I noticed several reporting items had not changed, which leads me to believe Experian didn't do a proper investigation. The account is closed but is reporting a balance of {$150.00}. The last updated status was XX/XX/XXXX. The account shows a past due balance of {$150.00}. Account is closed and status is charge-off, But there is no Company Sold to listed. There is no phone # listed for under contact info. 

Experian failed to do a proper investigation of this account and failed to verify the accounts accuracy. In accordance with the Fair Credit Reporting Act, 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, Also states a consumer reporting agency can not furnish an account without my written instructions.