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

I am a victim of identity theft and am being harassed by collection agencies constantly calling me. The following information is what I have found on my credit report that is not mine! 
XXXX XXXX XX/XX/2022 {$940.00} XXXX account XXXX {$940.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Communication has been made with Bank Of America. Consumer StatemenXXXX Report also was approved. Written to the liking of all 3 credit bureaus. Discrepancy in their systems has not been corrected. Inaccurate balances on portfolios.
Product: Debt collection

I keep receiving calls from a company called HRRG and they ask me to verify my identity to continue the call. I tell them I 'm not giving that info out to a company I 'm not familiar with. They keep calling and telling me that I owe a number different than the medical provider that claims by insurance did n't cover their er visit. They 're somewhat rude and they hang up on me. I 've asked them repeatedly to stop calling me and it continues.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair cred responsibility act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit resort leaving inaccurate or unverifiable accounts resolved. The consumer financial protection bureau has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnish accepting unreliable responses and failing to adequately notify consumers of the dispute concerns. These failures align with my experience where Experian has neither corrected nor removed disputed items despite evidence i provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as Experian inaction violate federal law and my rights as a consumer.
Product: Debt collection

XXXX XXXX XXXX XXXX ND had turned me over to AAA Collections, XXXX XXXX SD. During the process of debt verifications, they sent me a page with my medical diagnosis. The debt, by the time they contacted me was XXXX XXXX XXXX. And had been turned over to them in XXXX of XXXX. They contacted me in XXXX of XXXX. I did not sign the documents sent to me. And, there was no employee of XXXX 's signature on it as a witness. Also, I did not sign a HIPPA release for them to have any of my medical records, such as my diagnosis/reason for visit. I have repeatedly asked them to dismiss the debt because of following the Fair Debt Collection Act. They keep sending me the same bill. They should not have received the debt in the first place because they were not given permission, and they certainly should not have received my medical diagnosis.
Product: Mortgage

Well I have been working with POC listed below XXXX XXXX on this refi request with PNC. It was started in XXXX/XX/XX/2020 and we are now in late XX/XX/2020 for an ERRL, that is still not completed? It is Going on over 6 months now. I have an existing VA mortgage with PNC and they have not done anything after calling several times. 
It has been a waste of my time. 

Reference Number : XXXX PNC, XXXX XXXX XXXX, XXXX, PA XXXX ; pnc.com XXXX XXXX  XXXX Mortgage Loan Officer Home Lending Center NMLS # XXXX
Product: Credit reporting or other personal consumer reports

Subject Line : Dispute of Inaccurate Credit Report Information Lack of Verification by Credit Bureaus Complaint Overview : I am filing this complaint regarding inaccurate information on my credit reports. Despite following the proper dispute process, XXXX/Equifax/XXXX failed to verify the accuracy of the information as required under the Fair Credit Reporting Act ( FCRA ). 



Details of the Issue : Disputed Items : - Account Name XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX ( partial, for privacy ) XXXX Issue : Lack of verification, incorrect information. 

- Account Name # XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX ( partial, for privacy ) : XXXX Issue : Late payment is incorrect. 

- Account Name # XXXX XXXX XXXX XXXX Account Number ( partial, for privacy ) : XXXX Issue : Late payment is incorrect. 

- Account Name # XXXX : XXXX XXXX Account Number ( partial, for privacy ) : XXXX Issue : Late payment is incorrect ; it occurred after the loan was assumed by someone else. 

Dispute Steps Taken : On XX/XX/year>, I submitted a dispute to XXXXEquifax/XXXX via online portal .

The credit bureau claimed to verify the information but did not provide any evidence or documentation to support its decision.

Why the Information is Disputed : I believe this account information is inaccurate and unverifiable. The credit bureaus failed to provide proof that the information is accurate or properly verified.
Product: Credit reporting

An item was reporting on my account that was not mine. I asked both Equifax and the creditor for validation per FCRA rules. This was removed as a result since it could not be verified. I just noticed that this account has been put back on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed dispute i regards to incorrect information on my credit report. It has been well over 3o days and I haven't received any investigation results. Sent a 2nd request, please remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Day. I am writing to have the items listed with my report deleted deleted from my credit profile. I am a victim of identity theft and did not authorized these inquiry requests, I ask that the items be deleted to correct my credit profile. I reported the theft of my identity to the FTC ( federal trade commission ) and I also have enclosed copies of the Federal Trade Commissions notarized identity theft Affidavit.
Product: Debt collection

XXXX XXXX XXXX XXXX, the company that is financing the loan for my used car, makes an excessive amount of collection calls to my home and mobile phones. XXXX typically calls my phones six to eight times a day. The calls come from different numbers that display different company names on my caller ID. When I call the numbers the IVR system identifies the call source as XXXX XXXX XXXX. Some of the calls I have received were robocalls. I have received XXXX calls from XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ) and XXXX. XXXX has occasionally contacted me on Sundays, as was the case when an agent contacted me from a XXXX XXXX XXXX phone number on XX/XX/XXXX. I submitted a complaint regarding the excessive phone calls to XXXX 's website ( XXXX ). In the complaint I advised XXXX that I would mail a correspondence instructing them to cease collection calls within two weeks of receiving the correspondence. I wrote the correspondence on XX/XX/XXXX and placed it in a mailbox the following day. As of this writing ( XX/XX/XXXX ) XXXX continues calling my home and mobile phones.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX
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 XXXXXXXX, {$260.00} Subject : Request for Immediate Removal of Income-Related Information from My Credit Report Due to Violation of 15 U.S.C. 1681 Dear Sir/Madam, I am writing to file a formal complaint regarding the inclusion of income-related information or transactions on my credit report, which I believe violates federal law, specifically 15 U.S.C. 1681a, 1681b, and 1681c. According to the Fair Credit Reporting Act ( FCRA ), it is explicitly prohibited for income or income-related information to be included on a consumer credit report, as outlined under 15 U.S.C. 1681c ( a ) ( 2 ), which restricts the reporting of income or income-related experiences.

I have identified that [ insert names of the companies ] have unlawfully included such data on my credit report. This constitutes a clear violation of the provisions governing permissible and lawful information to be reported. Under 15 U.S.C. 1681e, a credit reporting agency is required to ensure the accuracy of the information contained in the consumers credit report, and income-related data should not be part of the credit reporting process. I requested a 1099C and did not receive one. Income can not be on a consumer credit report.

Therefore, I respectfully request that the CFPB investigate this violation and take immediate action to ensure the following : The immediate removal of any income-related data or transactions on my credit report, as this information is not permitted under the law.

A formal acknowledgment that the involved companies have violated the law and take appropriate action to prevent future occurrences.

A written confirmation of the actions taken to resolve this issue.

I would also like to emphasize that if these violations are not addressed promptly, I may be forced to pursue legal action to protect my rights under the Fair Credit Reporting Act and any other applicable consumer protection laws.

Please consider this matter with urgency, as it is critical to the integrity of my credit profile and compliance with the law. I would appreciate an acknowledgment of this letter and an update on the status of my request within 30 days. 

Thank you for your attention to this important issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working with this creditor since XX/XX/XXXX to settle this account in full and remove all negative information reported including late payments. This account should show status as closed with XXXX   balance and XXXX  past due amount with no late payments reported. Letter from the company confirming this is dated XX/XX/XXXX and still has yet to be fixed on my credit report
Product: Credit reporting or other personal consumer reports

XX/XX/year> I initiated a correction of my credit profile with equifax due to someone elses name, ssn, and credit history being attached to my credit profile and history. In XXXX I noticed that my profile had been corrected and the other persons credit profile was no longer attached to mine. I did get a letter stating that they had no credit profile on me and to send in documents but within days my profile was seemingly fixed. I went to get a new report and this same persons information was attached to mine again. This is hindering me from applying for credit because it shows incorrect information and credit usage, it shows all of the other persons credit history along with mine and two different names and ssn 's. Please remove the other person from my credit profile and make sure the removal is permanent this time.
Product: Mortgage

I was given the prequalification letter by bank of america and ask me to look for property and get the contract signed. I looked over the property..put an offer ... my offer is accepted ... did the contract ... did the house inspection and sent all the documents to Bank of America . 
When everything is done and also i put down money on it..the bank tells me now that i wouldn't be even qualified for. 
All the information given are true and correct on my behalf.The played with me..and i have lost all the money.
Product: Credit reporting or other personal consumer reports

I have been disputing these three companies since repeatedly, sending in dispute letters. Bank of AmericaXXXX XXXX XXXX XXXX Each time I dispute they send me back a letter stating that the account has been verified. XXXX XXXX has recently sent me a printout stating that it shows my signature but that doesn't look anything like my signature, I have asked each company to send me Proof and they have failed to do so, I have filed Two FTC reports against the account Which Bank of America alleges that is mines. This account is a fraudulent account that I did not open. 
I have mailed in the FTC report as of XX/XX/year> and I have also previously attached the FTC report to a report made through the CFPB.
Product: Credit reporting or other personal consumer reports

Dear Experian I have submitted to the CPFB a complaint and have attached proof of All documents and requests. 

NOTICE OF INTENT TO FILE FORMAL FTC COMPLAINT RE : Dispute Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as well as XX/XX/XXXX - XX/XX/XXXX, daily with no resolution. You still have not provided any proof of documents and where and from whom you obtained those documents. 
I have sent 3 letters asking for a correction to my credit report and have received no response. 
This letter is formal notice of my intent to file a complaint with the Federal Trade Commission. 

The mailing receipts indicate that you received my letters. Copies of the original letters are included with this letter showing the items that need correction. Under the Fair Credit Reporting Act, you have to address disputes within 30 days, and you have not done so. 

I expect action to be taken to address my dispute. After the correction ( s ) are made, please remove these items from my report. Please provide me with an updated credit report, and also send the report to any creditors who have requested my credit report in the last six months. I would also like the names, addresses and telephone numbers of the creditors who received my reports within the past six months. 

If you determine that no adjustments are to be made to my credit report, please provide the information you used to make that determination. 

If I do not receive a response in the next 24 -48 hours, I will file a formal FTC complaint. 

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

XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF ED/XXXX US DEPT ED DPT ED/XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF ED/XXXX US DEPT ED DPT ED/XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF ED/XXXX US DEPT ED DPT ED/XXXX
Product: Checking or savings account

I called in to Citizens bank today to resolve a problem with XXXX XXXX  still showing that the debit card has not been removed from my device. When the Rep XXXX XXXX XXXX failed to resolve the issue I asked to speak to a supervisor. The supervisor regurgitated the same resolve and then disconnected with me after I asked for her supervisor.
Product: Credit reporting or other personal consumer reports

PLEASE DO NOT PUT A FRAUD ALERT ON MY CREDIT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke to Equifax on numerous occasions regarding a split file. The managers a d special handling department refuses to fix my credit file causing a decrease in my score. If this is not resolved I will take legal action.
Product: Debt collection

My personal information was sold by a company to a debit collector agency. Which that debit collector have as well sold my information to another debit collector to join forces to retrieve debit. Ive received numerous text and emails from these companies in hope to retrieve debit. 
15 USC 1681 1 15 USC 1692 G 18 USC 894 Pursuant to 18 usc 8, I owe no debt, this company is violating my consumer right to privacy pursuant to 15 usc 1681 b 2 company has also No permission to report anything using my info pursuant to 15 usc 1681 4 15 U.S.C 1692f - Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( XXXX ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by the consumer.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft causing fraudulent accounts to be opened. Please delete these accounts from my credit profile immediately. The accounts are below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed these account with the bureaus and each time the investigation came back as 'verified '. I decided to go directly to the creditor reporting and dispute with them. The creditor were not able to provide any form of documentation to verify this specific account with me. If they are not able to verify this account with me- the alleged account holder - there is no way you were able to verify this! I have filed a complaint demanding a deletion for this unverifiable account, Here are the accounts that I'm talking about : XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX  Account Number : XXXX, XXXX Account XXXX : XXXX, XXXX Account Number : XXXX
Product: Credit reporting

I have been battling for over a year to get Equifax to accurately report my accounts. I have contacted the creditors to verify that they are sending the correct information every month and they all verified that they are. This is only happening on my Equifax credit report, both my XXXX and XXXX credit reports have the updated information every month, Equifax does not nor will not cooperate with me to resolve the issue. Calling into their customer service has only resulted in positive trade lines being deleted and XXXX up my credit report even more. I have called into Equifax numerous times to no avail, I have filed XXXX XXXX complaints to know avail. I though that not maintaining accurate credit information was against the law, I was trying to get this cleared up before buying a house but now I will not be able to move forward with my plan. This has been extremely time consuming and frustrating and I am almost at my wits end. If these things are not remedied, then I will be forced to discuses these issues with my mother, XXXX XXXX XXXX, a shareholder at XXXX XXXX XXXX XXXX 's XXXX XXXX, to see if there is any legal actions I can take to resolve this issue, as Equifax seems unwilling to work with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$390.00}, {$800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, XXXX XXXX, and pursue legal action. 

-- AUTO ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

-- COLLECTION ACCOUNTS 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$390.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$800.00} -This is not my account.