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

Contacted Experian on XXXX XXXX discovered account balance on Paid account listed over 900 dollars. Tried to file dispute and was blocked from filing dispute on the account. 

I also tried with XXXX  via XXXX XXXX of which I am a member and they have added information to my account access as to who is my grandfather and asking for his first name. I have never given this information and once again feel my private non public information is compromised via a third party source. I am XXXX years old and know who my grandparents were. They had or have nothing to do with my financial life. 

I subsequently contacted XXXX XXXX regarding this matter and they sent me a letter noting I owed nothing on this account RE : Case Number XXXX phone Number XXXX. Finally I am tired of having to disclose any personal private public or any familial information regarding my finances. I realize that you are not in a position to offer legal advice, however is this a matter I can take up with an attorney since these agencies are continued to abuse our good names with their refusal to correct.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed several inaccuracies on my account. One particular account is negatively affecting my ability to obtain credit. I understand that you are responsible for investigating such discrepancies to ensure the accuracy of my report. 

I am requesting verification of the following account : Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

I received a letter from Mitchell D. Blum & Associates, LLC, requesting I pay {$49.00}. I believe this bill originated from XXXX XXXX XXXX and it is erroneous in nature. This bill collector is attempting to debt that is not owned by me. I have to insurances XXXX being XXXX, the other is private. XXXX has never received a bill from this hospital for services on the date of XX/XX/2020, I was never seen at this hospital on that date.
Product: Mortgage

On XXXX/XXXX/2016 I requested XXXX and its XXXX.to review my file and consider a resolution through a complaint I file on above mentioned date. I am now employed and have established myself again and I am able to retain my home. My complaint ID is XXXX. The reason for my default has to do with the loss of my job. XXXX XXXX was consistently informed of the progress I have made. 
We are in foreclosure and looking for a sale day. I am want to retain my home for us and our XXXX children. Please I have now send another package to the new servicing co by th e name of XXXX. I have also done a forensic review of my file and found discrepancy 's. I am attaching it for your review. I need to keep my home I would appreciate a quick response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed complaints with FTC # XXXX. Select Portfolio Servicing is not the legal rights to service this loan and currently reporting inaccurate information on my credit report without documentation violate the FCRA, FCDPA AND RESA LAWS!!! The refuse to give me a modification or forbearance under the CARES ACT and trying to sale my home although they are not the PRIMARY LIEN HOLDER AND MY HOME IS APROVED HOMESTEAD IN PENNSYLVANIA. This HOMESTEAD LAW states the only the primary bank can foreclosure NOT secondary banks. XXXX XXXX  does not have any legal right to have SPS PROVIDE SERVICES AS THEIR COLLECTION COMPANY. They are committing FRAUD!
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. 



Subject : Disputed Inquiry on Consumer Report I hope this message finds you well. I am writing to bring to your attention an issue I have discovered while reviewing my consumer reports. Upon inspection, I noticed an inquiry on an account that I have never associated with or initiated.

This inquiry appears to be a mistake and is impacting my credit report unfairly. Despite my efforts to rectify this directly with the credit reporting agencies, I have not received any resolution. 
Enclosed with this correspondence, you will find detailed documentation supporting my claim, including copies of my consumer reports highlighting the erroneous inquiry. 
I kindly request the assistance of the CFPB in investigating and resolving this matter promptly. Your intervention in correcting this mistake would be greatly appreciated. 
Thank you for your attention to this issue. I look forward to your prompt response and assistance in rectifying this situation.
Product: Checking or savings account

I made a purchase through tourism company called XXXX XXXX on XX/XX/2020 and XX/XX/2020. With a total of XXXX. I asked the bank to dispute the charges as the merchandise is not returning my money. I tried to call the merchandise multiple times but he is not answering. I sought the help from Chase but they did not help at all to dispute the claim
Product: Credit reporting or other personal consumer reports

These loans are on my credit report. They are affecting my life. I did not authorize this. Code 15 USC 1681b This is against the law. Delete my personal information. 
Education loans. Department of Education XXXX  Delete these XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm writing my complaint to dispute multiple fraudulent accounts still appearing on my credit report and to notify you of a violation of my rights under Section 605B of the Fair Credit Reporting Act ( FCRA ), codified at 15 USC 1681c-2. Despite my submission of a notarized FTC Identity Theft Report, TransUnion continues to report multiple accounts that should have been removed under this law.

According to FCRA Section 605B, when a credit reporting agency receives an identity theft report, it must block all fraudulent information from appearing on the consumers credit report within four business days. This information should no longer be accessible by any third parties. However, the following accounts remain on my credit report and have not been blocked, despite being a direct result of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts should have been removed in compliance with federal law, and I demand their immediate removal from my credit file. Continued reporting of this fraudulent information is not only harmful to my creditworthiness but also constitutes a direct violation of FCRA 605B.

I would like to have a written response of the above-mentioned accounts and inquiries have been blocked and that my personal information has been corrected within four business days of receipt of this letter. Failure to comply will leave me with no choice but to escalate this matter further, including possible legal action to protect my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX  and XXXX are reporting a XXXX  XXXX XXXX  account ( XXXX ) and a XXXX XXXX XXXX   account ( XXXX ) on my report as a negative item with no Data reporting at all on the account. I have asked these bureaus investigate and thereby to report accurately as required by the FCRA or delete the inaccurate information and they have returned letters to me saying that they have updated the account status and that the data furnisher has reported this information as accurate and as belonging to me. 
Well how can Equifax, XXXX  and XXXX honestly tell me this information with no data reporting for any period and reporting to an address that does not belong to me - be accurate and how can this information be reporting verified as belonging to me? what method have they done to do this inaccurate verification? I would like to know what basis they verified this information as accurate. The answer is that they have not done their due diligence in investigating these inaccurate items as they are required to do so per FCRA. I must now require immediate deletion of this data which is severely affecting my credit profile and score.
Product: Credit reporting or other personal consumer reports

XX/XX/2023, XX/XX/2023, and XX/XX/2023 the companies of Equifax And XXXX were contacted numerous times regarding the removal of hard inquiries on my credit report. Equifax and XXXX has failed to delete or perform a reasonable investigation of my dispute and have failed to respond. According to 15 U.S.C 1681 there should not be any damages on my report this is a defamation to my character.
Product: Credit reporting or other personal consumer reports

I never authorized or established these accounts, and I suspect they XXXX be fraudulent. Please conduct a comprehensive review of these accounts and take the necessary measures to remove them from my credit report. It is crucial for maintaining the accuracy of my financial records.
Product: Debt collection

Never did business with this company. Requested validation of debt : original contract with my wet signature. Haven't heard from them
Product: Checking or savings account

9 unauthorized transactions were made using my Wells Fargo checking account between XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> totalling {$5000.00}. 4 transactions were made using Wells Fargo ATMs over an hour away from work and home locations. The other 5 transactions were made through unauthorized access to my Wells Fargo online banking account. I filed a claim with Wells Fargo to try and resolve the situation. Wells Fargo has provided little to no help with this matter. I believe been a victim of some sort of " card skimmer '' which was able to duplicate my debit card and pull all pertinent information including my pin number.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am a victim of id theft. these items do not belong to me due to fraud u s bankruptcy court XXXX XXXX XXXX opened XX/XX/2013 {$6900.00} XXXX XXXX XXXX XXXX {$260.00}
Product: Checking or savings account

On XX/XX/2021 I deposited XXXX in my account using PNC ATM booth. When I got the printed receipts which I saw my balance is lower than my expectation. At once I log in my account in saw many unauthorized charge in my account ; in the name of XXXX XXXX and international fees. I called the Bank and complained and requested to stop any such payments. I have XXXX credit card bills. I deposited money to pay my credit card bill. On XX/XX/2021 I paid XXXX for credit card bill. PNC bank paid my bill. Next day I saw PNC bank make overdraft {$8900.00} and paid again those unauthorized payments though I requested to stop such payment. When I complained about overdraft PNC Bank reversed my credit card bill payment and adjusted overdraft. I tried to talk with with PNC Manager level but no one is available. I met with local branch Manager who also filled a complain. I got the letter from the PNC bank explained that all the charges are correct though I do not have any idea about those charges. I believe PNC bank failed to protect the customer interest. I am a small depositor. How PNC made overdraft in my account? I am very very frustrated with PNC and do not know what to do.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against all three credit bureaus- Experian, XXXX XXXX and XXXX regarding the ongoing issues I am facing due to identity theft. This situation has not only impacted my credit report but has also caused significant distress in my personal life. I have been unable to lease apartments or open utility accounts in my name without paying large deposits or requiring a co-signer. 

I have also noticed multiple unauthorized inquiries. Despite my attempts to dispute these fraudulent accounts and inquiries, the fraudulent activity remains unaddressed to all three credit Bureaus. I have never applied for these loans, nor do I have any association with the lenders involved. These fraudulent accounts have led to persistent collection efforts and have created additional stress as I work to clear my name. I have contacted the utility companies directly, but they often refer back to the credit bureaus for resolution, leaving me in a frustrating cycle. I have attached these referenced accounts listed in my credit report and a copy of my Affidavit of Identity Theft. 

I have been unable to obtain legitimate credit. The emotional and financial repercussions of identity theft are profound, and consumers like myself deserve a more responsive and supportive system.
Product: Debt collection

Continue to receive notifications for a XXXX XXXX XXXX for debt collection and through the postal mail for XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act '611 ( a ) ( 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. 


1.Identify theft : Account XXXX XXXX XXXXXXXX Account number : XXXX XXXX.Identify theft : Acount XXXX XXXX XXXX  Account number : XXXX Please notify me that the above items have been deleted pursuant to " 611 ( a ) ( 6 ) [ 15 USC ' 1681 ; ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of " 612 ( 15 USC 1681 ], there should be no charge for this report. 
If you have any questions or need additional information, please contact me at the address noted above. 
Also, I would like to remind you, using the E-Oscar method to verify this debt, which you are aware of, is against the FRCA guidelines. Please also include in your own reply the method used to " verify '' the debt you claim I owe Thanks
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX {$1600.00} XXXX  Account # XXXX Status Original Creditor XXXX XXXX Creditor XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} Open Date XX/XX/XXXX Last Reported XX/XX/XXXX I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

XXXX XXXX  {$0.00} XXXX XXXX Account # XXXX Status Credit Limit {$0.00} High Balance {$0.00} Payment Amount {$0.00} Last Payment Term Description Individual Open Date XX/XX/XXXX Closed Date XX/XX/XXXX Last Reported XX/XX/XXXX Days Late XXXX : XXXX | XXXX : XXXX | XXXX : XXXX Payment Status No status Past Due {$0.00} XXXX XXXX  XXXX {$0.00} XXXX Account # XXXX Status Closed Credit Limit {$500.00} High Balance {$0.00} Payment Amount {$0.00} Description Individual Open Date XX/XX/XXXX Closed Date XX/XX/XXXX Last Reported XX/XX/XXXX Days Late XXXX : XXXX | XXXX : XXXX | XXXX : XXXX Payment Status Paid, was a charge-off Past Due {$0.00} Collection Chargeoff This account is incorrectly reporting that I have XXXX late payments. On my XXXX report there are XXXX late payments being reported. This account is paid in full and should be removed showing negative status due to false claims. 

XXXX XXXX {$0.00} XXXX  Account # XXXX Status Closed Credit Limit {$0.00} High Balance {$15000.00} Payment Amount {$0.00} Last Payment Term 72 Month ( XXXX ) Description Individual Open Date XX/XX/XXXX Closed Date XX/XX/XXXX Last Reported XX/XX/XXXX Days Late XXXX : XXXX | XXXX : XXXX | XXXX : XXXX Payment Status Paid, was past due 90 days Past Due {$0.00} Worst Rating 90 days late I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. This account is paid in full and should be removed showing negative status due to false claims. 

Inquiry : XXXX XXXX XXXX XXXX  Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Have no idea who this company is and this inquiry should be removed from my report. 

This address needs to be moved from my credit report as well! I have no idea who this address belongs to and any accounts connected should be removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I signed up and paid for White Jacobs and Associates credit repair services. The initial fee I paid to become a part of this service was {$890.00} ( see banking statement attachment ) This fee was paid prior to any services being rendered. Following that payment I was then subjected to $ 100 monthly withdrawal of my banking account to maintain the service. 

During the months I was a part of this program I expressed concern on several occasions for the lack of progress and communication ( see attached ). I also expressed the hardships that came as a result of the large lump sum of {$890.00} along with the ongoing {$100.00} payments I was required to make. As a result, I was thrust into a financial hardship and had to discontinue my service. Over a year later and Im still feeling the effects of this ordeal and have recently entered a credit counseling program ( free of charge ) offered through a local non profit organization here in Washington, DC. There I was enlightened about the FTC Credit Repair Organizations ACT ( CROA ) and how it was employed to protect consumers from such experiences. Had I known about these regulations and this Act I would have filed this complaint way sooner but unfortunately I never knew such a thing existed. Ive always thought this to be an unregulated field which was how so many get taken advantage of, including myself. I further learned there was a section which specifically speaks to this practice and that was section 1679b. Prohibited practices ( b ) Payment in advance states No credit repair organization may charge or receive any money or other valuable consideration for the performance of any service which the credit repair organization has agreed to perform for any consumer before such service is fully performed. 

This contradicts my experience, and is in direct violation, as I was required to pay a large sum of money before any services were ever initiated. Additionally, I am able to supply banking statements of the {$890.00} payment being made, as well as the ongoing {$99.00} per month payments. Furthermore, I am able to supply you with a copy of all my letters from the bureaus confirming the accounts in question during my time in their program as well as proof of the financial distress that I have continued to endure since then.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is violating the FCRA lawsas HiPAA laws by listing XXXX account # XXXX After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in XX/XX/2018 I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this account!
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

After being in a foreclosure process, the mortgage company ( XXXX ) sold the property to Franklin Credit Management. I went through a Loss Mitigation process. They accept my application and I was paying in advance the monthly payment. We ( Franklin Credit and I, XXXX XXXX ) sign up a new mortgage arrengement. It was {$410.00} monthly. Payment that I was doing one month in advance. All of a sudden I realize that they were than applying the payment because they made an escrow analysis and the payment was more.It seems that they do it unpurpously because they have allways want to reposes the house. I believe that is the increase on the payment they should notify me in a letter explaining the reason. Those payments has had to be reported as partial payments and they don't, so my record will show that I haven't made a payment at all what is not true. They are charging me late charges, insurance payments and " other charges '' not specify and by the way my account will soon summited to a Foreclosure Procedure. I can feel a bad intention in all of these.Beside the amount of money that the insurance assign me due to Huracane Maria damage is lost. FEMA is carrying an investigation in these case.