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

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information?

I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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. 
The following items need to be removed and blocked as they are fraudulent. 
XXXX there is some inaccurate information reporting XXXX XXXX Account XXXX : XXXX Update to Open/Never late XXXX. XXXX5 U.S. CODE 1692e - False or misleading representations XXXX  XXXX Account Number : XXXX Update to Open/Never late XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete from my credit report. 

XXXX. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Delete from my credit report. 

XXXX. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX Account Number : XXXX Update to Open/Never late XXXX there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report. 

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

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

There is a name on my credit report that is not mine nor has it ever been mine. Not sure how long it 's been there because I just noticed it and I do n't check my credit report as regularly as I 'm sure I should. I attached a picture only one of those names is correct. Thanks in advance.
Product: Checking or savings account

With no service and explanation, Clover and Fiserv or First data withdrew XXXX XXXX XXXXXXXX from the XXXX XXXX XXXX XXXX  checking account. A total of {$5300.00}. I connected to Clover, who could not identify what it was about, and I am looking for CFPB help to get a refund for these improper charges/fees. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Student loan

The U.S. Department of Education found that The XXXX XXXX and its parent company, XXXX XXXX XXXX, made pervasive and substantial misrepresentations to prospective students about post-graduation employment rates, salaries, and career services. Being as the loans given were fraudulent I asked Mohela if they had a process for loan forgiveness for fraudulent loans. They replied that private loans are not forgiven under the Biden-Harris administration 's forgiveness. That was the only response. It seems to me there should be some process to forgive fraudulent loans. The interest alone is life altering. Now today Mohela is getting sued for just these kinds of things. Please help me to get through to this company. Thank you for Your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, A company called I C SYSTEM INC is attempting to collect on a debt that was turned over to them in the year XXXX for a company called XXXX. In my first call to the company XXXX, a XXXX employee told me they attempted to collect the debt in early XXXX through XXXX before turning it over to the collection company I C SYSTEM INC. I C SYSTEM INC puts this debt on my credit report in early XX/XX/XXXX, and puts it as a debt from the previous month of XX/XX/XXXX. I tried contacting I C SYSTEM INC and they told me to contact a different division known as XXXX fraud division since I never had this account in the first place some 7 years ago. I called XXXX fraud division and spoke with a Fraud investigator named " XXXX '' who looked in the computer using my social security number, date of birth, the address that I C SYSTEM INC provided me, and the phone number that I C SYSTEM INC provided me. XXXX Fraud Investigator told me on the phone that there was no account past or present that showed up in their system. I am including the Fraud hotline for XXXX in this message if the information needs to be verified. This I C SYSTEM INC is obviously falsely reporting when the debt occur ed on my credit report ( they admitted it was from XXXX or XXXX not XXXX ), the company they stated they were collecting from has nothing on file for me, and every attempt to dispute their postings on my credit reports has failed. To add to all these questionable things that I C Systems INC did ... they also waited until there was a state of emergency in the country to add this to my report ... making it very difficult to obtain financing and to pursue litigation against them due most state offices being closed. They placed the same thing at the same time on both XXXX XXXX and XXXX. I am a XXXX   and have been trying very very hard to everything right. I've been told several times to give it to a local news agency to help protect me and my credit from this company. I don't know what can be done here, if nothing is done here then I guess I will just need to go to court and the news to get treated fairly. 

Phone conversations with I C SYSTEM INC all recorded. 
Phone conversations with XXXX  all recorded. 

I C SYSTEM INC phone number : XXXX XXXX XXXX XXXX   phone number : XXXX XXXX XXXX Information on my report : Account NameI C SYSTEM INC Account NumberXXXX Account TypeCollection ResponsibilityIndividual Date OpenedXX/XX/XXXXStatusCollection account. {$370.00} past due as of XX/XX/XXXX. 
Status UpdatedXXXX Balance {$370.00} Balance UpdatedXX/XX/XXXX Recent Payment $ 0 Monthly Payment {$0.00} Original Balance {$370.00} Highest Balance {$0.00} Terms1 Months
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 


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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
XXXX XXXX XXXX XXXX! 
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 


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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is on my credit reports, but is not my account : XXXX XXXX   Summary Your debt-to-credit ratio represents the amount of credit you're using and generally makes up a percentage of your credit score. It's calculated by dividing an account 's reported balance by its credit limit.

Account Number Account Status PAYS_AS_AGREED Available Credit {$31000.00} Reported Balance {$30000.00} Debt-to-Credit Ratio 97 %
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding ongoing issues with unauthorized inquiries on my credit report. Despite my previous attempts to address these inaccuracies, the issues remain unresolved.I am now seeking your assistance to ensure these unauthorized inquiries are removed from my credit report promptly. There are unauthorized inquiries on my credit report that I did not initiate or authorize. Despite contacting the credit bureaus and the respective creditors multiple times, these inquiries have not been removed.I kindly request the following actions : A thorough investigation into the unauthorized inquiries listed above and Immediate removal of all unauthorized inquiries from my credit report. The unresolved inaccuracies on my credit report have negatively impacted my credit score and financial standing. I am seeking your prompt intervention to rectify these issues. These are the following 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

After viewing my credit report, my son made a payment to take care of my medical debt that went into collections mid last year XXXX. 

There were 2 collection companies : Choice Recovery and XXXX XXXX. 

Payment made XXXX/XXXX/XXXX for {$57.00} then the remaining balance XXXX/XXXX/XXXX for {$53.00} to Choice Recovery. 
and One time pyment made XXXX/XXXX/XXXX for {$56.00} to XXXX XXXX XXXX XXXX. 

Viewing my credit report, XXXX XXXX still has my account with an open balance when it 's been paid in full XXXX/XXXX/XXXX. ( Opened XXXX/XXXX/XXXX and Reported XXXX/XXXX/XXXX ). 

Choice recovery should be removed/deleted please ... as agreed upon prior to payment was made XXXX/XXXX/XXXX. This was a 3-way phone call, since my son was making the payment over the recorded conversation via telephone. 

I am viewing my son 's bank statements as of XXXX XXXX, XXXX and my credit report as of XXXX XXXX, XXXX. 

Thank you.
Product: Debt collection

ARS account resolution services XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2022 disputed with credit bureaus and filed XXXX  Complaint on both companies to dispute this. 

I am a XXXXXXXX XXXX XXXX XXXX all my healthcare is through the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  I have no knowledge of this account and want it removed and marked as fraudulent
Product: Vehicle loan or lease

I entered into a fraudulent contract XXXX XXXX XXXX XXXX, who had a an agent clearly and conspicuously transferred the unpaid loan to American credit acceptance, to whom I dont have a complete 2 wet binding signature contract with making the original agreement null a void. Please see attached affidavit for evidence.
Product: Debt collection

Hi on XXXX  I received a voicemail from a XXXX stating I owe money on a debt and they will sue me so I called the number provided which is midland collection XXXX. With reference number XXXX and the person told me they where getting a judgement against me in XXXX XXXX because I never responded to there letter they sent me in XXXX which I never received and I asked what was this about they said a XXXX XXXX credit card that went into default in XXXX. I told them I never had a XXXX XXXX credit card back then and I told them also its been 9 yrs ago so even if I did they cant sue me because of statue of limitations in XXXX so he got nasty and said I was ignorant and hung up on me then my son called me and said they called his phone and left a message looking for me on his phone
Product: Debt or credit management

Date Reported XX/XX/year> Payment Status 90 Days Late Amount Past Due {$150.00} of XXXX Account Type XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX I attempted to contact PR XXXXXXXX XXXX XXXX known as XXXX XXXX XXXX XXXX XXXX XXXX. I informed them about an amount the company claims I never paid {$150.00} out of $ XXXX is affecting my credit report. However, their system shows no record of this. I want to determine if someone else used my Social Security number to open an account in my name.
Product: Debt collection

A person from a collection agency representing a payday company call cash advance call me day and night, at my work place, e- mailing me making threats of arrest, insulting me, accusing me, and that if I 'm do n't pay right away I 'm going to be arrested and put in jail. is a very nasty person that do n't want to listen to reasoning. I 'm very stress out with this situation.
Product: Credit reporting or other personal consumer reports

To whom it may concern,, I looked at my report. reinvestigate these accounts : XXXX XXXXXXXX, I looked at my report and noticed everything is still the same.. 
and according to 15 USC 1681i 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681eb they are supposed to ensure this b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
And according to 15 USC 1681s-2 this os suppose to happen ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. 
XXXX really did not reinvestigation they lied on an offical document saying they did something they did not do and I have evidence to prove my case
Product: Debt collection

I have reached out to this company several times one time I was offered a debt settlement then they took out a different amount and I kept requesting everything in writing they never sent me anything in writing for verification of the final date or a final that agreement none of which was ever sent to me. Now Im getting calls from a company called XXXX XXXX   and yet there I requested debt validation and original call original copies of the of the agreement none of which has been provided to me XXXX XXXX has a number of XXXX I asked them for a fox a mailing address or an email and then it which has been provided to me also
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX by phone, and by mail, and even fax regarding fraudulent account that appear on my credit file. I have disputed this account as fraud and opened as a result of identity theft, I have also uploaded, faxed and mailed certified a copy of my very recent credit report to XXXX XXXX  and bank have ignored my fraud disputes, bank have neglected to utilize my recent credit report to block this fraudulent account from my credit file. I have exhausted all avenues available to me and followed the FDCPA guidelines to rectify these fraudulent accounts but I have continued to be ignored by the bank. The following account is not mine and is on my credit file as a result of identity theft/fraud that I reported to the local police department : XXXX XXXX XXXX XXXX Police report filed on XX/XX/2020 ) This is not my account and I have also communicated this same information and provided my police report to this business listed above, and it have refused to assist in the correction of the fraudulent information. It is all acting in a willful and malicious manner and continuing to defame my character by knowingly reporting information it has been fully informed was fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've filed a credit freeze with all three major US credit bureaus ( XXXX, XXXX, Experian ) I've received a PIN to unfreeze my credit from each of them.

Since freezing my credit, they've deprecated the temporary unfreeze process using the PIN I received. In each case, I must sign up for an account with the provider.

Experian worked mostly fine.

XXXX  and XXXX  both have broken account management flows, requiring that I call customer support. Customer support is entirely automated and does not address the problem. It took me a little over 2 hours to call these two agencies and be directed in circles before I gave up. I am not able to unfreeze my credit, despite having access to all of my own information, as well as the PIN they gave me. 
These bureaus should not be the stewards of Americans ' credit. They're far from secure, they're maddening and infuriating to work with, and the way they change credit score calculation algorithms serves to benefit only the agencies, and not creditors or the American public.

As an aside, the XXXX breach settlement was a joke.

It's absurd that I'm forced to manage accounts that I have not signed up for and have no control over. There is no free market at play here, I can't choose not to use these agencies. I can't even choose to use only one of them, I'm forced to manage three accounts I never wanted. Companies should not be able to build shadow profiles and collect information without consent like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX and XXXX has cause me a lot of pain and grief due to wrong information on all three credit reports. I have accounts that should be closed with XXXX balance owed for XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. Because these three credit reporting agencies has caused me not to be able to get credit. In the beginning I had a XXXX Credit Score now my Score is XXXX.

I want all three credit reporting agencies to correct my Credit Report so I can get the Credit I deserve.

Waiting for your reply.

XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I was contacted at my personal number by an individual claiming to be XXXX XXXX, he was claiming to work for XXXX XXXX XXXX. Individual called from XXXX, provided call back number XXXX. Individual had all my personal information. Including names of people in my household, SS number, and name of bank I used to bank with back in XXXX. Individual threaten to file a criminal case with the County for IBC and Defrauding a financial institution. Individual request payment for {$500.00} claiming to be owed to the cash store for a loan opened in XX/XX/XXXX. Individual request payment with a credit, debit, or prepaid card. Informed individual I would call back with information. After the call was disconnected I did some research. I contact the Cash Store for further information. No account was found with my personal information from XX/XX/XXXX. I googled clear source solutions wasnt able to find a company under that name. The only company I found was clear solutions. I contacted them and provided my personal information, no exiting account was found. I called back the individual claiming to be XXXX XXXX and requested individuals employer address he refused to provided the information. He stated, l make the questions and you answer, I will give you the address after you pay, what do you want the address for anyways. I replied, if Im going to liquidate a debt I have the right to have this information, he replied, stop calling me and disconnected call. Individual refused to identify his license number or send a notice in writing of debt he was claiming. When call came in it was a recorded line stating there was a pending summons linked to my personal information and I would be served by the courts, individual claiming to be XXXX XXXX also disclosed he worked for the government, with litigations. Tried to call back individual after he disconnected call, was unsuccessful reaching him again.
Product: Debt collection

During COVID time, I requested a high speed internet service called " XXXX '' from XXXX for my home on XX/XX/2020. 
The company informed me that XXXX is not available at my zip code. 
My Address - XXXX XXXX XXXX, XXXX, NJ XXXX Till today 's date the service XXXX is not available at XXXX. 
So there is no point for XXXX to charge me for the service as it do not exist in my area and due to this there is no chance I could have used it. 

Despite this fact the company kept charging me every month since XX/XX/2020. 
Right now they have handed over the account information to a debt collector company called as CREDITCONTROL ( www.credit-control.com ) - Ph : XXXX. 

On XXXX XXXX I got an email from creditcontrol regarding the collection of {$1200.00} I contacted both the companies, XXXX and CreditControl, they are not providing me proper reason for the case. 

I request to whom it may concern - XXXX OR CreditControl to withdraw this charges as I have never got this services.

Original Account number - XXXX CreditControl Reference Number - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are being bullies when I disputed the items on my credit according to the FCRA yet they keep telling me things are accurate without proof. What are my options?