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

Requesting dispute as this information is inaccurate. 
I have several student loans reporting on my credit report preventing me from obtaining credit for a home loan or for any other loan ( or credit card ). The balance on my student loans are affecting my credit score daily. Over the past several years I have made payments on my student loans but my credit score continues to go down.

Some student loans are reported on my credit report twice ( which needs to be removed ).

Student loans have had a direct impact on my credit score.

I'm requesting a good will deletion from report ( as payments are still being made ). 
This is hindering my ability to qualify for a mortgage or auto loan. 
Also, late payments from several years ago still show on my credit report which still affect my ability to qualify for credit cards or loans. 
When I apply for credit I'm denied. and the reason I'm not approved is because : - Time since delinquency is too recent ( incorrect information ) -Proportion of loan balances to loan amounts is to high ( incorrect information ) -Serious delinquency and derogatory public record or collection filed ( incorrect information ) -Total number of credit inquiries ( incorrect information ) Requesting dispute as this information is inaccurate. 
Requesting a hardship until issue is corrected.
Product: Credit reporting or other personal consumer reports

On or about XX/XX/year>, I submitted a XXXX XXXX XXXX  self-attestation letter, signed and certified, determining that I was a victim of XXXX, to the consumer reporting agency Experian, through their online submission.

For the purpose of this complaint, I will attach and upload a copy of the letter originally sent as a supporting document with this complaint, along with the documentation originally sent to satisfy the 605C request per Experian 's guidelines.

Originally, I provided all the required documentation pertaining to my identification, the detailed information regarding the accounts and inquiries on my credit file resulting from trafficking that should be blocked and signatures from both myself and an authorized XXXX representative. 

Today, I received a letter in the mail which was a response from Experian ( which I will also upload as a supporting document with this complaint ) stating that they could not process my request because they could not " reasonably confirm my identity with the proof provided ... '' ... I find this statement frivolous and unwarranted and would argue that it's a tactic credit reporting agencies use to " buy time '' and " procrastinate ''.

When I put in my request I sent them copies of the following documents : drivers license, social security card, birth certificate, and not one, but two utility bills with my name and current address for the past five years.

Why are they sending me a letter asking me for what I've already provided???

This is ridiculous and absurd.

How could you not verify my identity after receiving those documents?
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair reporting act XXXX  # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX OF XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XXXX 2012 30 days past due as of XXXX 2012, XXXX 2012 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$140.00} XXXX  XXXX XXXX Balance : {$3200.00}
Product: Debt collection

I have two collections marks on my credit report. There was almost no information besides " CMRE financial services ''. There was no email, phone call, mail or notification that this payment was going into collections. That is the same for the " XXXX XXXX XXXX  ''. I have NO idea what that one is from. There was no information given to me let alone my right to dispute it ... I'm fresh out of college and can't get a car loan because of the two collection marks. From what i've read EVEN IF IT'S PAID it will stay on my report for seven years. 

I found out about " XXXX XXXX XXXX  '' today XX/XX/XXXX and paid it ... I paid " CMRE '' around XX/XX/XXXX. I found out after comparing dates that it was from an ER visit at XXXX XXXX Medical. No one could give me a solid answer of what I owed. My credit report would say one amount, and a representative would say another. Once again no information about what it's from or information about disputing. I asked if they could remove the mark and they said they " didn't know '' if they could or not. 

I'm pretty desperate of a car loan this week and these paid marks have caused me to be rejected from 6 lenders.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2022 XXXX statue of limitations laws have changed to 3 years. This should no longer be reflecting on my credit report. Consumer Credit Fairness Act of NY. Not the original debt and no validation. I have tried speaking with them and all they want me to do if verify my information, I am NOT verifying anything with anyone unless I know what the said debt is all about. They have never provided me with the correct paperwork, sign contract or anything. These need to be removed from my credit reports and they need to stop contacting me in all forms about this said debt.
Product: Credit card

XXXX XXXX closed my account on XX/XX/10 due to a XXXX over limit. They did not contact me by any correspondence to pay the over the limit amount. The over the limit was caused by a purchase and their finance charge. I did not realize the the purchase was over the limit. When I called for my available balance my purchase was below my available credit. They did not give me the opportunity to correct the issue. The over the limit did not occur until XX/XX/10. They are saying they can not or will not give me the opportunity to correct the issue. I am working very hard to rebuild my credit and this caused a major hit.
Product: Credit reporting, credit repair services, or other personal consumer reports

These INQUIRIES below have caused significant damages In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under 15 USC 1692C

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 an account without my written instructions.

15 U.S.C 1681 Section B. States that Anypersonwho obtains aconsumer reportfrom aconsumer reporting agencyunder false pretenses or knowingly without a permissible purpose shall be liable to theconsumer reporting agencyfor actual damages sustained by theconsumer reporting agencyor {$1000.00}, whichever is greater. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE THEM IMMIDIATELY
Product: Debt collection

I noticed 2 medical collection on my credit report from UCB ( United Collection Bureau ) I sent a letter on XX/XX/XXXX to UCB to dispute the negative accounts and the response I received was " Our agency has determined that you submitted the same dispute on XX/XX/XXXX and UCB responded to that dispute on XX/XX/XXXX ; Therefore no further investigation is required under section 12 C.F.R 1022.43 ( f ) of the fair credit reporting act '' I sent a letter on XX/XX/XXXX in response to this letter asking UCB to provide me with proof of this dispute and all of the information they used to verify the account or to continue with my dispute if they could not provide that proof. The response I received was " Our agency has determined that you submitted the same dispute on XX/XX/XXXX and UCB responded to that dispute on XX/XX/XXXX ; therefore no further investigation is required under section 12 C.F.R 1022.43 ( f ) of the fair credit reporting act '' I feel as if my dispute isn't being taken serious, being ignored and discarded this is a violation of my consumer rights. I want these accounts removed immediately!
Product: Credit reporting or other personal consumer reports

1. I was trying to unfreeze my account to secure a new credit card.

2. I was able to get this done with the other accreditation agencies with the exception of Experian. I was simply not able to login to my online account.

3. The automated service provided links to fix the problem, but nothing worked. 
XXXX. I tried several time to speak to an agent by calling their phone numbers provided ( XXXX, XXXX, XXXX ) and ended up with the automated system with no option to talk to an agent. I spent over three hours trying to address this issue by calling the different numbers listed above and getting same results.

5. My phone record would show that I called during the week and during normal business hours.

6. Again, none of the information provided by the automated system worked. At the same time, the automated system does not provide an option to speak to an agent, they simply hangup.

7. This process should not be that difficult. The other two agencies provide direct support through an agent if needed.

8. I was informed that the credit card will not be approved until I get this issue resolved.

Experian must provide consumer support in cases where the automated system does not work. Other agencies do it to support their customers. 

Thanks for your support! 
Frustrated Experian Customer
Product: Credit reporting or other personal consumer reports

I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in 15 days update this account to PAID/Never late and send me a copy of my updated credit report regarding dates : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, this should not be late, send proof now. Also please pass this along 15 USC 1681s-2 ( F ).
Product: Credit reporting or other personal consumer reports

I was shocked to see unauthorized inquiries on my credit report today, and I dont understand how this happened. While checking as usual, I found discrepancies that seemed to appear out of nowhere. I refreshed my browser multiple times, hoping it was a system error, but the issue persisted. I need this issue resolved immediately by carefully reviewing the documents Ive submitted so this doesnt continue to cause me stress.
Product: Debt collection

On XX/XX/2023, This third-party debt collection notice from Kings Credit Services , are incorrect, when I first received this debt in the mail on XX/XX/2023, I was confused, I called merchant XXXX XXXX XXXXXXXX right away, and informed XXXX they were mistaken, I paid my bill every 3 months, I asked the clerk at XXXX what is the meaning of this bill? the clerk asked for my address and name I gave my information, and the clerk then stated to me that I had not paid a single bill., I said you are mistaken, I will send my bank statements with proof of payments, they service my address, and when there isn't any garbage to pick up they still charge me and pay my bill! I sent my bank statements and they still think I owe them XXXX people!
Product: Debt collection

This company calls me every day multiple times from different phone numbers for months, maybe a year. They leave a voicemail every time. I called them to see what they wanted. They are from Thunderbird Collection Specialist and they want to know if I know an XXXX and I told them I do not and to stop contacting me.
Product: Debt collection

Apparently, an account was opened in my name before I turned XXXX ( legal age to assume debt ). I reached out to this agency to find out why they allowed an account to be opened in my name and not check the date of birth to ensure it was legal? The representative advised the information would be corrected and deleted from my credit report. Since this was a trusted family member who opened the account, I chose not to pursue legal measures. However, I STILL paid the balance owed of {$180.00} to the original creditor ( XXXX XXXX ) to clear my name etc. Records will show that I was not an adult when this account was opened.
Product: Credit reporting or other personal consumer reports

Experian states even though account # XXXX is paid the account has to remain on file until XX/XX/year>. It is up to the consumer on whether the information should remain on file and not the company. I want this item removed from my credit file permanently since the item is paid off completely.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the 30-day late marks reporting to my credit reports in error be removed right away. The 30-day late marks from XXXX and XX/XX/XXXX arent valid and are having a large negative impact to my credit scores and my ability to qualify for a new mortgage at the best interest rates. 

The XXXX mortgage loans ( accts : XXXX, and XXXX ) both show late payments for XX/XX/XXXX. XXXX loan acct XXXX was transferred to LOANCARE mortgage loan ( acct XXXX ) and shows a 30-day late payment for XX/XX/XXXX. Both the XX/XX/XXXX and XX/XX/XXXX 30-day late marks are completely invalid, and I demand for them to be fully removed from my credit history. 

I have attached the related, redacted copies of my bank statements showing each on-time payment made from XXXX of XXXX through XXXX of XXXX as evidence neither of my accounts were ever 30-days late, and the reporting is INACCURATE. 

This servicer was XXXX, they are no longer in business having gone into federally approved bankruptcy in XXXX. Additionally, when I researched the company, I can see they had a class action lawsuit filed against them for misreporting missed payments, so it appears they are damaging a lot of consumers credit reports wrongfully, not just mine. 

I would appreciate your assistance in investigating this manner right away and getting these late marks removed fully from my reports. 

As required by the FCRA, all aforementioned information/disputed items that are obvious errors must be deleted from my reports. 

As stated in the FCRA, or Fair Credit Reporting Act, Section 609 : 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 4 ) The dates, original payees, and amounts of any checks upon which is based any adverse characterization of the consumer, included in the file at the time of the disclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. On XX/XX/XXXX, the suspect opened credit card account XXXX with XXXX and accrued {$3500.00} in charges. I believe the suspect stole my mail, specifically a XXXX tax form sent from my previous employer, from a mailbox located at address XXXX XXXX XXXX, XXXXXXXX XXXX  where I lived from XX/XX/XXXX through XX/XX/XXXX. I discovered this fraudulent account on XX/XX/XXXX as I was looking at my credit report and noticed this unfamiliar bank and delinquent account. As soon as I discovered the account, I called XXXX to report the fraudulent account. I spoke with a representative in the XXXX XXXX Department, XXXX, who advised that the account was opened using the XXXX XXXX XXXX, XXXX address. I had not been living at this address for XXXX years when this account was applied for and opened on XX/XX/XXXX. 

On XX/XX/XXXX, I reported this theft to the XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, who advised that I needed a written statement from the bank with details and information used to open the account before he could file a police report. On XX/XX/XXXX, I sent XXXX a letter of request for business records related to this fraudulent account, along with the FTC Identity Theft Report, my government issued proof of identity, the Fair Credit Reporting Act Section 609 ( e ), and a link to ftc.gov resource titled Businesses Must Provide Victims and Law Enforcement with Transaction Records Related to Identity Theft. 

It has been XXXX days since I sent XXXX the letter of request for business records related to this fraudulent account and the only correspondence I have received is an Affidavit of XXXX form to fill out and send back to them in order for them to investigate. My consumer rights have been violated and I demand resolution to have this fraudulent account removed from my credit files. I have taken steps to dispute this fraudulent account by reporting the fraudulent account to XXXX, disputing the account with all three credit bureaus - XXXX, XXXX, and Transunion - filing a complaint with the XXXX, as well as the XXXX Police Department. Additionally, I have placed a freeze on my credit, set up fraud alerts, and added consumer statements with all XXXX credit bureaus. 

This credit card account was opened fraudulently using my personal information without my consent or permission. I did not open or authorize this account. My credit report is showing incorrect information by claiming this credit card account under my identity. I demand that XXXX, XXXX, XXXX, and Transunion absolve me of all charges on the fraudulent account and all activities associated with it, and that all appropriate steps are taken to remove information about this account from my credit files.
Product: Credit card or prepaid card

On XX/XX/2020 I made a purchase for a 'open box ' XXXX XXXX XXXX Watch for {$140.00} through XXXX. According the XXXX 's policy and description definitions an 'open box ' item is described as : " An item in excellent, new condition with no wear. The item may be missing the original packaging or protective wrapping, or may be in the original packaging but not sealed. The item includes original accessories. The item may be a factory second. See the seller 's listing for full details and description. '' However, when I received the watch, it was clearly used and covered in scratches all over the body, and did not even come with original accessories. I immediately requested a refund through XXXX, but accidentally closed the dispute. So I reached out to XXXX customer support and the seller. XXXX simply told me that because I had closed the return request there was nothing that they could do. The seller openly admitted that the product was not as described and mistakenly listed it as 'open box ' when it should have been listed as 'used ' and offered to fully refund me if I return the item. I asked for further instructions on how I would return the item, but the seller had stopped responding to my messages. Next, I contacted XXXX, but because of COVID-19 their offices were closed and could not escalate my issue and recommended that I dispute with my credit card. I then opened a dispute with Discover credit card and after 2 months they tell me that because the merchant is willing to accept a return they can not continue with a dispute and that the transaction is valid. I argue that I am willing to return, but the seller is not providing me with any means to return. I asked that the dispute be reopened, so that they can request proof from the seller if he has tried to initiate a return with me, but they refused. DiscoveXXXX is allowing scammers to prey on unsuspecting victims with falsely advertised products through their loose policies and loopholes.
Product: Credit reporting or other personal consumer reports

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX. Please delete this account immediately.
Product: Consumer Loan

My XXXX credit report shows an unauthorized credit inquiry from PNC Bank on XX/XX/2016. I did not authorize this inquiry. During this time, I visited XXXX who assured me my credit file would only be viewed XXXX. However, this was not the case. I understand that my credit file should n't be accessed without my authorization. I contacted XXXX, but was unsuccessful obtaining a resolution. I have an extended fraud alert in place requesting I be contacted via phone for verification prior to accessing my credit file. This did not occur ; therefore, the removal of this inquiry is requested. In additional, I contacted each lender requesting removal, but my request was refused.
Product: Debt collection

There was a debt of {$4400.00} that was owed to XXXX. It was paid out of our income tax return from the treasury on XX/XX/2023. TransWorld put that they updated to charge off instead of removing after collection was paid.