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

I ask the credit bureaus to verify these accounts they verified these accounts saying they were Accurate I check my credit report and they still showing incorrect also XXXX and XXXX nonexistent no response this is not my first Attempt resolve this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my Rights 15 U.S.C 1681 Section 608 A. States I have the right to Privacy.

15 U.S.C 1681 Section 608 A. Section 2 it also States a consumer reporting agency can not furnish my information without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX # XXXX, this home was sold on XX/XX/XXXX. XXXX XXXX and Equifax are still reporting this closed account as being delinquent. The account was paid in full and fully satisfied on XX/XX/XXXX. Attached please find a copy of the Deed of Release, letter from XXXX XXXX and the credit report screen shot showing the issue. 
I am unable to obtain a mortgage due to this inaccurate reporting when XXXX XXXX  pulled my credit report Equifax was showing this incorrect information. I have contracted Equifax and XXXX XXXX myself and to date this issue is still not correct. I have filed prior disputes with Equifax and to date this issue has not been resolved. This is causing an undue hardship to my livelihood. 
The attached shows XXXX days late and with last delinquent date XX/XX/XXXX. 
I would like all derogatory remarks removed from this account to show it was paid in full and closed on XX/XX/XXXX.
Product: Payday loan, title loan, or personal loan

loan was set up on auto pay and was takeing out on wrong date and payment was sent back, then was not contracted for 60days fell behind was told they could not do anything to help till 120 late.
Product: Debt collection

XXXX XXXX XXXX Debt recovery solutions appeared on all three of my credit reports. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  appeared. I have been trying to figure out for the life of me what these debts are. It looks like my original creditor for XXXX is XXXX XXXXXXXX XXXX  But after having my loan specialist pull it up it states medical. Which is why I made a payment. In XXXX but after doing extra research I believe these two companies are in pursuit of the same debt. Very, very criminal. Back in XXXX  I had a loan with XXXXXXXX XXXX. And it was for about XXXX. Both of these collections are XXXX and one for XXXX. I believe they are debt parking and trying to rob me.. XXXX a medical collection appear as XXXX XXXX XXXX I think it would state the hospital. When looking at my allotment in for XXXX the bank was XXXX XXXX and XXXX XXXX XXXX Neither company has validated the debt and they are still parked on my credit report. Violating FDCPA section 1692 e ( 8 ).
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on 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 shalli ) 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On XX/XX/22, I payed ( {$1500.00} ) for what I thought was a condo rental in Florida, after emailing this company and the ACTUAL owners of the condo we found out it was a scam, I emailed them to cancel the fake reservation, I called the bank and filed a fraud claim on XX/XX/22, on XX/XX/22 they returned the money, then on XX/XX/22 they sent me an email saying they were reversing the charge as it was an valid transaction because the " merchant '' told them i received the goods. I asked to be shown exactly what the merchant said they sent because there were no goods to receive, after an hour on the phone with the fraud department they told me there was nothing they could/would do. Please help! I have accounts with Capitol One because I thought they would keep me sage in my spending and this is just not right, I have sent all the emails and documentation and still nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On X/XX/2017, XXXX was contacted regarding information being reported on my consumer report from Early Warning Services. They responded back to the investigation request stating that they have documentation verifying the information reported is accurate. However, according to the information submitted by me as part of the investigation request, as well as documentation submitted by EWS, and also public records including credit reporting information, the information being reported is clearly inaccurate. They refuse to remove the record or cease reporting the inaccurate information related to account number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried many times to have the personal consumer statement that I added to my Equifax report removed. I have submitted more than a dozen requests. I have sent registered letters and I have also sent registered letters confirming my identity to Equifax per their request. I have also submitted a complaint here to the CFPB website. All to no avail. The consumer statement that I added is still showing on my credit profile at Equifax. It needs to be removed. Now.
Product: Mortgage

Shellpoint mortgage is showing we are late on our Mortgage and threatening to negatively affect our credit when we are not late and have never been late. We have corresponded with them over and over again showing them the cancelled checks and proof that all payments since the inception of the loan have cleared our bank account along with the original note and closing statement and they still send us letters showing us as late and will not correct their records even though we have provided proof we are not late. We have sent them certified mail, emails and have spoken to them and they still send us letters showing we are late. They deny receiving the certified letters that we have proof that they signed for. We can attach all correspondence with them showing they are being negligent in this matter and we as consumers should not have to be put this.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$480.00} XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan was in forbearance and FedLoan still reported it as open and paid late.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I started a phone application wi5h Care Credit. After I was transferred to a live agent I decided to cancel the application. 

Later that night I was looking into my finances and checked my credit score. While reviewing this I found that Care Credit had submitted two inquiries into my credit. At first I wasnt concerned thinking one was soft, early in the phone call and the second was a hard inquiry. In looking further, I found that both were hard inquiries. I did not think to get a screenshot of this. 

I called the credit bureau listed and was told I had to talk directly with the company from which I applied to. 

The next day I called Care Credit XXXX Synchrony Bank. I had multiple phone calls with them. They told me : *I needed to talk with the credit bureau agency. 
*They only made one inquiry *Refused to investigate further. I suggested they contact their IT department, because if Im seeing two hard inquiries and they only see one, there is a problem somewhere. She refused, saying something like there was no problem with their system. I also pointed out this could be happening to others. She did not help. 

Today, XX/XX/2022, I received a letter from Synchrony Bank stating my credit application was not approved as based on the results of the credit checks, they were unable to confirm my identity. There was no mention that I cancelled the request. 

The reverse side of the letter states, Requests for a copy of your credit report should be sent to the credit reporting agency on the reverse side. If no agency is listed, a credit report was not utilized in making this decision. I have several issues : XXXX. There was no decision to be made as I cancelled the application. 
XXXX. There was no credit reporting agency listed, but they admitted on the phone they had made one inquiry. 
3. Im unable to obtain the free copy of my credit report as the agency name was not listed. 

I just checked and my credit score has dropped by XXXX points, and the only thing noted was the increased inquiries reported. This is the first time I, ve checked it and it has been under XXXX. It is usually around XXXX or higher. 

At the very least Id like to file a report with XXXX explaining this situation to any creditor concerned about my credit I will be avoiding applying for credit from Synchrony Bank, even though they back so many store cards. Im also not using any credit cards I have with them, XXXX XXXX. 
.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. You must remove/block any accounts that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX Date Opened : XX/XX/2005 Balance : {$14000.00}
Product: Credit reporting or other personal consumer reports

**Re : Accounts for : ** XXXX Accounts for XXXX | XXXX XXXX XXXX Accounts for XXXX | XXXX XXXX XXXX XXXX XXXX  XXXX XXXX for XXXX | XXXX XXXX Account for XXXX | XXXX XXXX XXXX Accounts for XXXX | XXXX XXXX XXXX Accounts for XXXX **NOTICE OF VALIDATION REQUEST** You are hereby in receipt of notice, per 15 U.S. Code 1692, that the above-referenced file number and alleged debt, in part or in whole, is now officially disputed. By the authority of the Fair Debt Collections Practices Act ( FDCPA ), all activities on this account must cease until resolved. I affirm that said account ( s ) contain fraudulent or incorrect information. Transactions were not incurred by me nor any person with my authority, either expressed, implied, or apparent.

You are obligated by 15 U.S. Code 1681i and 1692e ( 8 ) to inform all credit reporting agencies ( CRA ) or Credit Bureaus ( CB ) of the dispute. Further, verification, as of today, with the CBs or non-action of these requests is in violation of the FCRA and the FDCPA and is subject to fines.

Verification and validation are demanded. Verification and validation are very different terms and ideas. Verification is making sure one actually owes the debt, see XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) *. The definition of verification according to XXXX XXXX XXXX is " ... averment that the party pleading is ready to establish the truth of what he has set forth. ... The examination of a writing for the purpose of ascertaining its truth ; or a certificate or affidavit that it is true ... '' The court said " Confirmation of the correctness, truth, or authenticity of a pleading, account, or other paper, by an affidavit, oath, or deposition. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ) * ; and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) * ; and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * Validation is for disputing a debt, stopping account activities until the debt has been confirmed, see XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX ) *. The definition of validation according to XXXX XXXX XXXX is assessing an action to determine it is complete, correct, implemented, and delivering the correct outcome. XXXX states it as to check or prove the validity or accuracy of something ; XXXX says XXXX to show the existence or truth of, by evidence. 

**II. VERIFICATION AND VALIDATION REQUIREMENTS** The demands are, but not limited to : 1 ) I invoke the Truth in Lending Act per 15 U.S. Code 1601-1667f, and thereby demand the afforded right to know who the true party of interest XXXX Accounts for XXXX | XXXX XXXX XXXX Accounts for XXXX | XXXX XXXX - XXXX XXXX  XXXX XXXX for XXXX | XXXX XXXX XXXX  for XXXX | XXXX XXXX XXXX Accounts for XXXX | XXXX XXXX XXXX Accounts for XXXX in these transactions.
Product: Debt collection

Debt company is asking for payment on a 20 year old debt i never owed.i request for proof that i owed the amount they stated i owed they never sent me anything that show im responsible for a debt they claim i owe.instead they atated they did the investigation and i have to pay tbis debt with out showing me any document.
Product: Credit reporting or other personal consumer reports

My student loan servicer improperly reported my loan accounts to the credit bureaus. Originally, my student loans were consolidated into one account, XXXX, but after my loans were purchased by [ Ed Financial ], they created 13 separate accounts on my credit report. This has significantly impacted my credit score, dropping it by 96 points due to multiple late payment reports ( 7 points per late payment per account ). This is an inaccurate representation of my loan history and a misuse of credit reporting. I have attempted to resolve this issue with the servicer, but they have not corrected the reporting. I am requesting CFPB intervention to address this improper credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX  request that I have been a victim of identity theft and that no body seems to care about this matter, that I want to dispute some inaccurate records in my credit file that do not belongs to me. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

My email and information is on the web from data leak
Product: Debt collection

Have not received any calls about my debt or about it being sent to collections
Product: Credit reporting or other personal consumer reports

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity.

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXX XXXX {$26000.00} XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report that i believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the Consumer Financial Protection Bureau, includes Conducting inadequate investigations that fail to address consumer disputes properly. Reinserting previously disputed and inaccurate information without explanation. Failing to notify consumers about investigation results effectively. 
These allegations highlighted systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner do to my three dispute letters, one on XX/XX/XXXX followed by XX/XX/XXXX and XX/XX/XXXX. All were highlighted of the inaccuracies and in returned of investigation the same inaccurate information remains.
Product: Credit reporting or other personal consumer reports

Despite my previous attempts, these items have not been addressed, causing ongoing and XXXX  XXXX 

As mandated by the Fair Credit Reporting Act ( FCRA ), you are required to investigate and respond to disputes regarding the accuracy of information on credit reports. Your continued failure to resolve this issue is unacceptable and constitutes a violation of my rights under the FCRA. 

I request that you escalate this matter and undertake all necessary steps to thoroughly investigate and remove these fraudulent items from my credit file without further delay. Transparent communication regarding the progress made and the actions being taken to resolve these issues is essential. With this, I am asking for your assistance to remove the fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX AZ XXXX XXXX XXXX XXXX Owed : {$150.00} XXXX FI XX/XX/year> XXXX XXXX XXXX XXXX, AZ XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Write up n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving a recent copy of my credit report I noticed, a company shown as : XXXX XXXX XXXX was reported to my credit report per XXXX XXXX. I have never signed any written agreement with them. Nor never heard of them. Upon further research, debtors ' creditor did not verify this collection, also there was NO written form of communication/contract or written signature for this accused debt at ALL. A bill without a ( written ) signature does not validate the debt as anybody can send a bill and say its mine. According to FCRA, this company has violated my rights as a consumer and I'm requesting legal actions to remove this fallacious account to be removed from my credit report immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

Other than a record of correspondence and interest in a loan product on XXXX XXXX & XXXX 2016 the response provided no proof of my intent to apply for a loan through Quicken loans. It is my position that no soft or hard loan application form was ever filled out and therefore submitted on my behalf nor was any permission given to perform a hard credit inquire.
Product: Credit reporting, credit repair services, or other personal consumer reports

They have been breached and the personal information of over 100 million people is out in the open and they need to take FULL responsibility for this.