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

It was reported on my credit reports that I was late 60-90 days late on my student loan # XXXX with XXXX XXXX XXXX XXXX XX/XX/XXXX-XX/XX/XXXX. I applied for a forbearance due to XXXX and out of work for 3 months which was approved by XXXX until XXXX of XXXX. I sent XXXX an inquiry as to why they reported to the credit bureaus that I was late and they sent me a letter stating that they did not report any late payments to the credit bureaus. I demand this account be removed from all XXXX of my credit reports
Product: Credit reporting or other personal consumer reports

I am formally disputing several unauthorized credit inquiries on my credit report. After reviewing my credit file, I noticed inquiries from companies I do not recognize and for which I did not provide authorization. These inquiries appear to be a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 604 ( 15 U.S.C. 1681b ), which outlines permissible purposes for accessing a consumers credit report.

According to the FCRA, credit inquiries can only be made under the following conditions : 1. A credit transaction initiated by the consumer.

2. With the consumers explicit written consent.

3. For account review or legitimate business purposes related to an existing relationship.

FCRA Violations Identified Under the FCRA, the following provisions have been violated in connection with these inquiries : 1. Section 604 ( 15 U.S.C. 1681b ) : Permissible Purposes for Credit Reports Credit inquiries are only permissible under specific circumstances, such as : A transaction initiated by the consumer. 
With the consumers explicit written consent. 
For account review of an existing creditor relationship. 
These inquiries do not meet any of these criteria and therefore violate this section. 
2. Section 607 ( 15 U.S.C. 1681e ) : Accuracy and Protection Credit bureaus are required to ensure that access to consumer credit reports is limited to entities with a legitimate purpose. Allowing unauthorized inquiries indicates a failure to uphold this obligation.

3. Section 609 ( 15 U.S.C. 1681g ) : Right to Disclosure I have the right to know who accessed my credit file and for what purpose. If this information can not be provided, the inquiry is illegitimate and must be removed.

4. Section 611 ( 15 U.S.C. 1681i ) : Dispute Resolution The credit bureaus must investigate my dispute within 30 days, verify the legitimacy of the inquiry, and delete any unverifiable or unauthorized inquiries.

5. Sections 616 and 617 ( 15 U.S.C. 1681n and 1681o ) : Civil Liability If these inquiries were willfully or negligently made, creditors and credit bureaus may be held liable for damages, including statutory damages, punitive damages, and attorneys fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Report Act XXXX the following account numbers, have violated my rights. 
XXXX XXXX Account Number XXXX, XXXX XXXX XXXX Account Number XXXX, XXXX XXXXXXXX XXXX Account Number XXXX 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 stats a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

Sometime in XX/XX/2021 I received a collection notice from TRS Recovery Services stating they were attempting to collect a debt on behalf of XXXX XXXX XXXX, in the amount of {$200.00} for a transaction initiated on XX/XX/2021. I immediately disputed the debt because I had never conducted any money transactions there. They continued to harass me after I disputed the debt. Finally, on XX/XX/XXXX, they provided me with a copy of the transaction and it WAS NOT INITIATED OR SIGNED FOR BY ME! It turned out that my husband did it. They NEVER sent a notice to him! They said " well isn't it a joint account? '' I advised that even if it was I did not make the transaction so why am I bring penalized? Finally I filed a document with their forgery dept as advised and they sent a letter saying they agreed it was not me and they would return the debt to telecheck. At the end of XXXX my husband died of XXXX at the age of XXXX. They never did try to collect from him or reassign the debt appropriately. Now almost a year later Telecheck gave it to another collection company, XXXX XXXX XXXX and I'm right back in it again. And since Telecheck is stating the debt is mine I have been unable to open a checking account and close thr joint one. I am unable to write checks it's been a nightmare!! I realize that I may be responsible for his debt but that's different issue and I should not be marred by telecheck and harassed by their collection agencies!!
Product: Credit reporting or other personal consumer reports

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These companies authorized credit cards to my report without my consent. Identity theft
Product: Debt collection

Just got a collection letter from portfolio recovery about an account that I have no knowledge of. And if it was opened by my ex-wife I had no ideal about it and never received any kind of bill, statement, acceptance, or physical card. If it was opened without my knowledge, it would have been closer or more than 10 year old. I thought there was a timeline in ky for debt and laws for fraud accounts. This says seller XXXXXXXX XXXX merchant XXXX. I have not responded yet and have not used any XXXX XXXX XXXX account especially XXXX  My father who passed last year often had our accounts mixed up in our credit reports due to having the same name. If only used major CC and only had a balance on one. So I need advise, if this somehow ends up on me even though I did not open this account, and if i dispute it could it cause a reset of time and staying on my credit report for another 10 years? I don't even recall this account on my credit report and have opened 1 credit card in over 10 year last year. Thank you.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$0.00} These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Debt collection

I received a mailed letter and then an email from XXXXXXXXXXXX stating that he was an attorney for a law firm called XXXX XXXX XXXX : XXXX XXXX XXXX , XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Ca. XXXX Tel : ( XXXX ) XXXX Fax : ( XXXX ) XXXX They claimed that my credit card, American Express had retained their services to collect a debt but were authorized to negotiate a settlement amount. After a few email exchanges resulting in them threatening a law suit, I started to become suspicious. 

I contacted XXXX, and they indeed had retained an agency to help them collect my debt, but that agency was called XXXX XXXX XXXX XXXX XXXX Their address was the same building as XXXX XXXX XXXX,  but a different suite number. 

When I told XXXX at XXXX XXXX XXXX that I believed that he was illegitimate, he did not respond. So I am bringing this to your attention now. I have attached a transcript of our email exchange. 

- XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM FORMALLY DISPUTING IMPERMISSABLE INFORMATION IN MY CONSUMER REPORT ORIGINATING FROM CITIBANK NA ( Account # XXXX ). I INSTRUCTED THIS PRIVATE INFORMATION NOT BE SHARED PRIO TO THEM DOING SO. UNDER THE FCRA, SECTION 1681a ( d ) ( 2 ) ( i ) EXCLUDES INFORMATION SUCH AS TRANSACTIONS AND EXPERIENCES WHICH ARE SOLEY BETWEEN A CONSUMER AND THE FURNISHER FROM BEING INCLUDED IN A CONSUMER REPORT, HOWEVER CITIBANK NA FURNISHED PROHIBITED TRANSACTION DATA TO CRA 'S AFTER I OPTED- OUT OF SHARING UNDER THE GLBA. THE XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXXXX/XX/XXXX ) CASE PROVES THAT FURNISHING FACTUALLY ACCURATE BUT IMPERMISSIBLE INFORMATION PROHIBITED UNDER FCRA 15 USC 1681a ( d ) ( 2 ) ( A ) ( I ) CREATES LIABILITY FOR VIOLATIONS. THEREFORE, INCLUDING PERSONAL TRANSACTIONAL DATA EXCLUDED UNDER THE FCRA CONSTITUTES A FAILURE TO COMPLY WITH FEDERAL LAW AND IDENTITY THEFT UNDER ( XXXX XXXX XXXX ) CRIMINAL CODE 2012.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

For the past seven years, I have disputed a tax lien Trans Union has listed on my credit report every year with review of my annual credit report, and every year, Trans Union responds they have validated the tax lien. On XX/XX/2017, I finally went to the court house listed on my report to try to find record of this tax lien. The courthouse had no such records, yet Trans Union 's most recent response to me was that they verified the account -- as they 've responded for the past seven years. This has frustrated me because I do not own nor have ever owned any property that could be subject to a tax lien, and yet, for the past seven years, Trans Union has continued to report this innaccurate information on my credit report despite my multiple efforts to correct them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a victim of identity theft I've sent the identity theft report and the police report to XXXX and to the rest of the credit bureaus. All the creditors have removed the fraudulent accounts but XXXX. I'am extremely upset and disported on how equifax disputes the fraudulent account. I don't understand how a fraudulent accounts are still reaming under my name is beyond my understanding Its been a while that I've been disputing these accounts and I'm extremely distressed I've contacted the creditors and I haven't gotten anywhere My identity was jeopardized. I lost my purse at an event and after that I've realized accounts were oping under my name. These are Not my accounts thyrese are froud. Please i need help remove these fraudulent accounts.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/year> XXXX This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX ACCOUNT NUMBER : XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$9000.00} XXXX ACCOUNT NUMBER : XXXX Balance : {$0.00} These accounts have resulted in fraudulent collections and charge off appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, and charge off as reported. The aforementioned accounts, collections, and charge off appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and charge off are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

To W

hom it may concern, I recently challenged the validity of NCA ( Collection ) account thats being reported on my most recent credit report. Upon challenging this, XXXX ( credit bureau ) deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging this account with your company you have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the information you used to verify this account in writing. If such documents can not be produced please DELETE this account from my credit report immediately.
Product: Debt collection

There is incorrect personal information on my credit reports specifically an address that I have never lived at nor have any knowledge of. There is also accounts affecting my credit that do not belong to me, the address attached to a few credit cards with outstanding balances that are not mine nor have any knowledge of. I was incarcerated from XX/XX/XXXX to XX/XX/XXXX so there is no way these accounts belong to me. 
XXXX XXXX  act # XXXX Balance amount {$2300.00} Date opened XX/XX/XXXX XXXX XXXX act # XXXX Balance amount {$920.00} Date opened XX/XX/XXXX XXXX  XXXX XXXX  act # XXXX Balance amount {$1000.00} Date opened XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report I have 1 account from XXXX XXXX XXXX  & 4 accounts from XXXX  XXXX XXXX that I reported as fraud an XXXX  and Experian refused to remove them.
Product: Mortgage

We have had our mortgage since XXXX between XXXX and XXXX it was sold twice. Last year we had to request a forbearance due to illness and loss of income. This company gave us the six months which ended in XXXX we completed all documentation as requested to go into a pre modification and that started XX/XX/XXXX, to date XXXX and XXXX have been paid and XXXX will get paid on time. After the third payment it will go into a modication. 
During this process I was always advised that with a forbearance, it may well be notated as such on our credit reports however it would not reflect in a negative manner. 
This helped considerably until mid XXXX of this year after making the first payment they went in and reported as late 180 days on one and 120 days on another bureau. 
I have disputed this with the credit bureaus and Shellpoint and the documentation we signed for the forbearance does not say that they report on the credit report. Shellpoint says that because we did a modification they have to legally report it and once our modification is set the account will show current but will still contain the 180 days late. This has ultimately effected us, firstly mine with employment with a credit check, our insurance company for our vehicle has raised due to losing in excess of XXXX points, I would like to know why a forbearance and a signed agreement doing everything correct constitutes wrecking our credit after the fact. It basically says it would have been no different than not paying the mortgage and not having a forbearance in place. I dont believe this is correct. We too have endured two company buy outs with our mortgage in a 12 month period where nobody knows what the other one is doing. A total mess in my eyes. I would like the legalities and why this mortage company thinks they can do this. Affecting our futures in so many ways all down to one of us having a severe illness.
Product: Mortgage

I want to respond to my complaint that I filed for # XXXX. The company that I have identified is part of XXXX ADDRESS : XXXX XXXX XXXX XXXX CA XXXX. XXXX. XXXX bank is working on behalf of IMPAC XXXX XXXX Corp. Mortgage Pass-Through Certificates, XXXX XXXX. I was sent a letter by XXXX XXXX XXXX and it was stated that XXXX was working on behalf of IMPAC and was my investor. I need help for my home and I want to keep my house. Please check to see if this Investor is legal and is being investigated by The Dept of Justice ( DOJ ). Please thanks.
Product: Debt collection

Stop bothering me I do not know your company and i have never done business with it,
Product: Credit reporting or other personal consumer reports

I was utterly shocked and devastated upon discovering unauthorized accounts and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!
Product: Debt collection

I was notified by mail that money due from the apartment I was moving out of was being sent to collections before payment was even due because the company had sold. With only a few days notice and my concerns with the charges, I feel I was not given a chance to clear the matter before they just turned my account over to National Credit Systems for collection. For this reason ( and others ), I filed a dispute with the collection company National Credit Systems within the 30 day period, that claim was denied. With a lot of fear being set on me that they were about to report to my credit if I didn't make a payment, I decided it was not worth the fight. I know I am responsible for some of the money they are trying to collect, so I came to a settlement agreement for a less amount. Now they are requesting a payment, but refuse to provide me with any documentation stating the agreed upon amount until I pay the total settlement. The only reason they can give me as to why they will not provide documentation is that " they just don't do that ''. I have made many calls to the State General Attorney, the Federal Trade Commission trying to get some clarity on the situation. And I am repeatedly told to not give them money without something in writing. I feel like this is a very reasonable request, I want to pay them and clear this up, but I also need to protect myself and I am not being allowed to do so. 

My credit is my main concern because I am needing to get car in the next few months and a negative remark on my credit will hinder that. I have expressed this to National Credit Systems and I feel they may be using that to their advantage as a scare tactic.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE DISPUTED WRONG ADDRESS WITH CREDIT REPORTING AGENCY EXPERIAN OVER THE LAST 4 MONTHS.I NO LONGER LIVE AT THIS ADDRESS AND IT IS NOT CONNECTED TO ANY ACCOUNTS ON MY CREDIT REPORT. 

THIS ADDRESS CITY AND ZIPCODE IS INCORRECT. I DOD NOT LIVE AT THAT ADDRESS AND HAVENT FOR OVER A DECADE NOW
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to file a claim against TransUnion to remove in correct information from my credit report. I file a dispute through XXXX to remove information from my credit report that's does not correct on XXXX. XXXX responded stating that all information was removed and requested TransUnion to remove the same information as well. However, all of the incorrect information still remains. Therefore, they are in violation of the following 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Product: Debt collection

I was told that this old account was re-aged and sold to Portfolio Recovery. I contacted Portfolio Recovery and worked aggressively to pay this off within months by making doubled payments and large debit amounts as agreed by payment plan with myself and Portfolio Recovery. I made the final payment before the plan was up because the rep and Account Manager told me the file would be closed and removed from my credit files. I have never received correspondence from them as paid in full or it removed from my credit files. I have sent them numerous goodwill letters and they have never responded. I would have never paid them in full and before the payment plan was up if they never agreed to remove this from my credit files.
Product: Debt collection

To Whom It May Concern, I am writing to formally dispute the alleged debt referenced above. Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, I request that you provide written validation of this debt, including : 1. The original creditors name and address.

2. The full amount of the debt, including any fees or interest added.

3. Proof that you are legally authorized to collect this debt.

4. A copy of the signed agreement or contract proving that I am responsible for this debt.

If you are unable to provide the requested validation, I request that you immediately cease all collection activities and remove this debt from my credit report as required by law.

Additionally, please note that under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that all reported information is accurate. If this debt is inaccurate, I request that you correct or delete it from my credit file.

Per federal law, you must cease all collection efforts until you provide proper validation. Please respond to this request in writing within 30 days of receiving this letter. 

Sincerely, XXXX XXXX Sent on XX/XX/year> alleged amount is {$930.00}
Product: Checking or savings account

I had lost my card on XX/XX/year>. I thought everything would be okay because i also have my card attached to my wallet on XXXX XXXX. XX/XX/year> I check my bank account and was quite alarmed when I saw a deposited check for {$5000.00}. Then 6 withdrawals of {$500.00} each all on ATMS. I do not know who these people are. XXXX XXXX XXXX XXXX XXXX XXXX {$29.00} unauthorized transaction. XXXX XXXX station XXXX XXXX a transaction for {$83.00}. XXXX XXXX {$86.00}. The last transaction was XX/XX/XXXX XXXX XXXX XXXX XXXX charged for {$120.00}. I have called XXXX XXXX  for information on who made the order. They stated it was two women with the first name XXXX and XXXX. I am now in debt of {$3600.00}. I have filed a police report and spoke with Global Credit union, although they are not helpful. They had done an investigation and says I am I am responsible for what happened to me and it is my responsibility for paying the bank back.