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

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XX/XX/XXXXXXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX XXXX  - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
9. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
10. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 



FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 3. XX/XX/XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 5. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 6. XXXX XXXXXXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 8. XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 11. XXXX XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX XXXX XX/XX/XXXX XXXX Reported Identity Theft ) 13. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 14. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 15. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft )
Product: Credit reporting, credit repair services, or other personal consumer reports

I know that the FCRA states that the only purposes for pulling someones credit report are : firm offer of credit, insurance, court order, or employment. With that being said, I am unaware of the inquiries below. I never authorized such and I ask your agency to please remove these from reporting on my credit report. 

XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously filed a CFPB regarding XXXX XXXX and it was resolved to my satisfaction. However, Equifax is not removing this negative item and it is harming my credit score. Therefore, I am filing a new complaint against Equifax because I have tried to fix this issue with them and they are still reporting this. I have attached an audio file from the bank to support the removal of this item.
Product: Credit reporting or other personal consumer reports

Please remove this information from my credit report within XXXX business days, in accordance with Section 605C of the Fair Credit Reporting Act. I would appreciate a notification once this has been done. Thank you for your prompt attention to this importantmatter.
Product: Credit reporting

I have contacted Equifax several times in order to resolve an issue I had regarding identity theft. I was notified that I was a victim of identity theft and was provided a free credit monitoring service. Upon reviewing my credit report, starting with inquires, I noticed there were a lot of unauthorized inquiries on my credit report. I contacted Equifax and was told I did not have the right to dispute my inquires and that I needed to contact the creditors directly. As a victim of identity, I am not aware of half of these companies and did not have any contact information. I advised Equifax that per the FCRA i have a right to dispute inaccurate information. I was then told by the supervisor Friday that I do not have the right to dispute inquires and Equifax will not allow me to. I have a fraud alert placed on my credit file but I am denied the right to dispute inaccurate information on my file. I have attached a list of inquires not authorized. Please review all inquires with * and provide me with valid proof that I, XXXX authorized the inquiry. If you are not able to provide proof, please remove them immediately. At this current time Equifax has violated my right as consumer to dispute any information on my credit report that is not valid. Failure to comply with FCRA will result in no other choice but a potential law suit against Equifax. Please review my file in accordance to the FCRA. 

Thank you and i look forward to a resolution immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian numerous times to fix the glitch in their algorithm that is not taking into account all of my credit history when calculating my credit score. Per my credit report - I have 6 revolving accounts - 5 of which I am an authorized user on and one on which I am the primary account holder. Only the one on which I am the primary account holder is being used to calculate my score. I can tell this by looking at the explanation of my score- it specifically states I only have one revolving account, when on the first page it shows that I have six!

Experian basically told me to seek a licensed credit advisor for advice on how to clean up my credit. My credit has always been in the 800 's so there is nothing I can do to clean up my already excellent credit!
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX, a delinquent debt was reported to all three major credit bureaus through a debt collection company originating from a disputed fraudulent bill tied to a landlord tenant dispute ( I was the tenant ). This action caused a significant drop to my credit score across all three major credit bureaus, ranging from XXXX points. Through almost 18 months of disputes with the original creditor, as well as multiple lawsuits against them, this debt was settled in my favor. One of the stipulations of this settlement was that the original creditor would have this delinquent debt completely removed from my credit history. After another 4 months, about a dozen direct disputes with each of the major credit bureaus, and the threat of additional lawsuits, the debt was finally removed from my credit history in early XXXX of XXXX. To my astonishment, the removal of this debt, the only negative item on my credit report, had XXXX impact on my overall score, meaning the XXXX points that I lost were not returned. I sent requests to all three major credit bureaus to have my score reviewed and recalculated and have not received a reply, nor seen any improvement to my credit score. Additionally, I can not find any other method to directly dispute my score alone, only reported debts. I acknowledge that the algorithm used to calculate my score is more complicated than I will ever fully understand, however it seems a reasonable assumption that if you are going to drop my score immediately and punish me for a fraudulent debt that was not my responsibility, when that debt is completely removed, my score would recover immediately as well. I do not know what else to do to get a resolution to this matter and appreciate any assistance you can provide.
Product: Debt collection

I received a call from MCM management yesterday XX/XX/XXXX at XXXX saying this is an attempt to collect a depth I ask the representative to not call my phone number again and that this is harassment and he insists on saying that he will continue to call. I received another call today XX/XX/XXXX at XXXX from MCM which is midland credit management they have been calling my phone everyday even asking them to not call my phone.
Product: Credit reporting or other personal consumer reports

My past complaint XXXX I stated that my Equifax report said the only months I missed part of a payment was XX/XX/2022 and XX/XX/2022 but had missed payments on XX/XX/2022 and XX/XX/2022. However, my credit report was not fixed it stated that an investigation was completed but this mistake remains. if the only months I had a remaining balance was XXXX and XXXX, why do I have XXXX late payments in XXXX and XXXX. my past complaint was not properly investigated by XXXX XXXX.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX  Account Number : XXXX Delete this account. 
3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account XXXX : XXXX Delete this account. 

6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account XXXX : XXXX Please remove it from my credit report. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed false reports on my credit history that are not to any of my knowledge and have not consented to any of the negative reports affecting my credit. Please review and remove all unauthorized false reports from my credit report as soon as possible. 
Accounts Affected
Product: Bank account or service

I went to ace cash XXXX in Minnesota .... To cash money order ... XXXX One person only there ..the person told me to sign it n give social ... .then came bac saying could not cash ... ruining that money order ... She looked at me laughed n said sorry nothing I can do ... she then later a few days ..that she had expressed to another coustumer that I was there to cash money order but could n't and I caused a science ... which was not true ..I feel like my private info was told n discussed and a person came n told me about that ..I was like how did u know ... .was said XXXX XXXX working there told her ... .how imbrassing n my rights have been violated., ... ...
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX XXXX, I sent a letter to XXXX, Experian, XXXX, and XXXX XXXX  regarding numerous violations of the Fair Credit Reporting Act in which the aforementioned Credit Reporting Agencies failed in their grave responsibilities to exercise fairness, impartiality, and respect for the consumer 's right to privacy. 

Per 15 USC 1681b the CRA may furnish a consumer report in accordance with written instructions of the consumer to whom it relates. As the consumer, I did not give them written. Also, I believe that they have also violated the Privacy Act of 1974 by disclosing a record without my written consent.

I requested that the CRAs mentioned above discontinue reporting account status, payment history, and derogatory remarks as it is a violation according to 15 USC 1681a ( 2 ) ( A ) ( I ) but they failed to abide by my request or abide by my request to opt out of this reporting per 12 CFR 1016.7.

These violations have caused me irreparable harm, and adverse actions, and have affected my livelihood. Congress has put into place legislation to protect the consumer from these inaccuracies and methods to undermine public confidence in the banking system. My privacy has been breached by these aforementioned CRAs and they must be held accountable for their willful noncompliance.
Product: Bank account or service

A credit card was issued in my husband 's name and never activated or used by us. To make sure the card got used, Wells Fargo Bank transferred the checking account that I have had since XXXX solely and as primary with my husband as secondary to my husband. This means they manipulated not only the account but our Social Security numbers for account ID. This was all done without our permission. I already filed case # XXXX which addressed the credit card. That took 90 days and several trips to the bank branch to get all fees removed, close card, and remove the credit card from our records. Just today, XXXX/XXXX/XXXX, I found out that they stole my bank account!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

A LEASE WAS EASTABLISHED WITH XXXX XXXX XXXX XXXX ON XX/XX/2019. THE LEAE WAS PAID IN FULL AND IS NOT NEGATIVE. EXPERIAN IS THE ONLY REPORTING AGENCY ACTIVELY REPORTING THE ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX this is a fraudulent account a someone opened under my name {$3100.00}
Product: Credit reporting or other personal consumer reports

I made a request on numerous occasions for my XXXX XXXX number : XXXX be updated as paid in full and removal of all late payments!! I took it among myself to speak to XXXX myself on. XX/XX/2024 at XXXX and spoke to representative XXXX XXXX the title department on why my credit report was not showing paid in full and the balance reflected to XXXX and all negative items removed, she informed me that they did update all information and it was the XXXX Bureaus that had not correctly updated the information I asked that they send me proof and they emailed me a letter verifying that the account is satisfied I have also submitted proof of payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my updated personal credit report and I noticed unauthorized inquiries still remain on my personal credit report I contacted these companies and asked them to remove their inquiries from my credit profile. Below are list of unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

ACCOUNT NAME AFNI , INC ( Original Creditor : XXXX ) XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC1681 section 604 section 2 also states a consumer reporting agency can not furnish anaccount without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an accountwith this agency! My rights has been violated and they are in violation according to the statutes mentioned above
Product: Debt collection

I am reporting a fraudulent credit card account that was opened in my name without my authorization. I did not apply for, open, or use this account, and I believe I am a victim of identity theft. 

Details of the Fraud : The credit card account was opened on XX/XX/XXXX by XXXXXXXX XXXX XXXX 
The account appears on my credit report with a balance of {$1700.00} that I did not incur. 
I first became aware of this fraudulent account on XXXX. XXXX. XXXX when I reviewed my credit report/received a notification. 

Actions Taken : I have reported this identity theft to the FTC at IdentityTheft.gov, and my FTC Identity Theft Report number is XXXX I have also contacted the credit bureaus ( XXXX, XXXX, and XXXX ) to place a fraud alert on my credit file. 
I have reached out to XXXXXXXX XXXX XXXX to dispute the fraudulent account, but they have not resolved the issue.
Product: Debt collection

I am trying to contact this company to correct some information on the credit status and information pertaining to the debt. they are unreachable XXXX XXXX XXXX XXXX XXXX other # XXXX neither is a good phone #, their fax just rings and rings. How can I resolve this issue if they are unreachable? and why so many law suits against them? I've been seeing so many Texas residents in a class act lawsuit against them. How am I suppose to pay this company and fix my credit if this all going on. why hasn't anyone done anything about this?
Product: Student loan

My student loans have more than doubled since I graduated because of interest. Navient encouraged me to do forbearance instead of income based repayment, and now I will never be able to pay off my loans. I was also lied to by the company. They said they put me on income-based, then continued forbearance for another year.
Product: Debt collection

Radius Global Solutions LLC, i owed the debt of XXXX to XXXX. but i settled for half of that with radius. radius never sent me a letter verifying the debt, neither did XXXX. i paid radius half of the debt owed on XX/XX/XXXX th XXXX they were to send me a release letter saying everything was good to go. but did not. i filed a dispute against XXXX on the credit report and they said the debt was accurate when it's not. i am not happy about this.
Product: Checking or savings account

The usbank.com website login button does not let me log in to access my accounts. When I browse using XXXX XXXX XXXX on a XXXX, if I click the " login '' button nothing happens.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the Bureaus because their accounts was suppose to be deleted from my credit report over a year ago. When i spoke with them they were very rude and threatening court and Jail time. They violated my constitutional rights.

15 USC Section602 States I have the right to privacy. 15 USC 1681 Section 604A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 166B : A creditor may not treat a payment credit card account under an open end consumer credit plan as late for any6 purpose.
Product: Credit reporting or other personal consumer reports

Since 2020, I have been disputing a debt with all three credit bureaus. In XXXX, I sent certified dispute letters to all three bureaus, along with all required documents, including my ID and Social Security number. TransUnion returned the certified mail green card but has not provided any response regarding the dispute. I have not received the certified return card from XXXX or XXXX. XXXX has repeatedly stalled, asking for more information despite receiving everything they requested. 

I also disputed the debt online, but the investigation results came back as accurate and validated. When I contacted XXXX to ask for documentation on how they validated the debt, I spoke with a representative who was very rude. She informed me that they use an automatic system for disputes and that she was not allowed to share any information about how the debt was validated. 

Under the Fair Credit Reporting Act ( FCRA ), 18 U.S. Code 1028, 15 U.S.C. 1681b, and 15 U.S.C. 6802, I have the right to dispute inaccurate information and to receive documentation validating the debt. I have repeatedly asked for the validation of the debt, including the original purchase agreement, payment history, and proof that the collection agency is licensed to legally collect the debt. Both the credit bureaus and the collection agency have refused to provide this information, which is a violation of my rights under these laws. 

I respectfully request the immediate removal of this debt from my credit report, as the bureaus and the collection agency have failed to comply with federal regulations and have repeatedly violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attempted to file a dispute with Experian for three items. Experian took two not all three claiming a dispute was already filed with them for that item, it wasn't, not by me until today. Called Experian to get information about this bogus prior dispute and they had no information no dispute number no information on resolution. However, on the credit report it shows a prior dispute as resolved but customer unhappy with outcome. I asked XXXX ( CSR ) and he had no information. I filed complaints with FTC and the company but never with any of the credit reporting agencies for XXXX. This is fraudulent. The credit reporting agency is placing bogus disputes from 2015 that I never filed. Placing bogus outcomes on my credit report for a dispute i never filed. Mean while, they refused to process a legitimate dispute filed today by me giving the above rationale that is bogus. Someone is changing my credit reports while doctoring bogus disputes and resolutions. I am under seige with munipulated of my credit profile.
Product: Credit reporting

A letter of dispute was submitted to Experian on XXXX XXXX 2016 seeking the removal of XXXX from my credit report as it was paid off. I provided A letter of dispute was submitted to Experian in XXXX, 2016 seeking the removal of XXXX from my credit report as it was paid off. I provided Experian proof and copies that the account was paid in full. XXXX sold my collections account # XXXX, to XXXX. XXXX is still showing on my credit report with Experian. Both XXXX XXXX XXXX XXXX and XXXX are attempting to collect payment on the same debt. I have provided proof on two occasions and Experian fail to remove XXXX from my credit report. As a consumer disputing information on my file and providing the proof or evidence of the said account, Experian should remove this account from my credit file.