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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( XXXX  ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

i 'm not sure if this is something wrong or what happen.. but hoping you can assist me. I took out a {$600.00} loan two months ago for car repairs.. now I only owe {$430.00} XXXX but my score dropped 25 points like 2 weeks after taking out the loan ( i understand that 's normal ) ... However the most recent checkup last week it dropped another 49 points, just confused as to why if I continuesly make my payments on time without making any changes or anything. It was at XXXX, then got reduced to like XXXX, now it 's at XXXX? am I missing something here or?
Product: Credit reporting

This problem started with a XXXX timeshare purchased by my ex in 2005. He supposedly gave it to me as a gift so I was tricked into signing the contract. I subsequently found out it is a timeshare trick because his credit record was so bad he would n't qualify for a loan. As a result, XXXX put the whole thing under my name only without my knowledge. Because of XXXX I never got any documentation. XXXX apparently sent all correspondence to him. He vowed to bankrupt me and ruin my credit. Even though there is a court order stating he had to tell me if there was a XXXX issued he never did. This year a repo showed up on equifax from XXXX who apparently bought XXXX. They refused to acknowledge that. Ever received notice, and refused to honor the divorce decree showing it as a joint debt. After many calls I got the contract cancelled. However, They say I owe a balance and nothing went on his credit report. 1 ) is n't there any protection in XXXX situations? 2 XXXX how can you repo time? Does n't there have to be real property? 3 ) how can it show as a repo and a balance due on my credit report? Is n't it one or the other? 4 XXXX why is n't he being held responsible for the debt? 

This is keeping me from getting any loans 8 years after it occurred. They strong armed me into paying {$1400.00} to clear the repo from my credit report and after I sent the check they said it does n't guarantee they will remove the repo. 

Help me get free from my ex XXXX and XXXX!!!!
Product: Debt collection

I was contacted by States Recovery Systems Inc 11 days before my arranged payment due date. I found it odd that I was contacted by an individual ( XXXX XXXX ) that does n't typically handle my account. He asked if I wanted to set up a postdated payment and I informed him that today was just the XXXX and I have 11 more days until my payment is due ; therefore I 'll call in on my due date like I always do. I informed him that I am one of the few people they may deal with that actually calls in to make my payments and I do n't need them to call me. 

Though I informed him NOT to set up a postdated payment and I will call in on my due date ( XXXX ) like I always do. As of yesterday ( XXXX/XXXX/15 ) I received a letter in the mail stating that a postdated payment has been set up.
Product: Credit reporting or other personal consumer reports

XXXX, Equifax and XXXX all single investigations into the disputes made by me on my credit reports of false and inaccurate information.
Product: Credit reporting

Experian refused to release my credit report to XXXX XXXX stating the reason as being related to fraudulent address. I called Experian on XXXX occasions after initially uploading their requested proof on my address ( drivers license, utility bills, insurance bills ). And told initially that my acct was updated and refused again to release my report. Told that they never received the upload ( after another person there said they did ) and then told to email the documentation. I emailed this to XXXX XXXX XXXX/XXXX/16. Was again ( 3rd time ) told by XXXX XXXX that Experian would not release my credit report on XXXX/XXXX/16. Today I called Experian again and was told that I never uploaded any documents and that I could not have emailed them. I have proof XXXX. They have refused to transfer me to a manager for assistance. They are now asking me to repeat the process. I have been at this now for 3 months and am being denied credit. HELP!!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Credit Report I have sent 6 letters outlining there failure to abide by the FCRA and demand deletion of these accounts immediately. I have show previously on my credit report that they are violating my rights. There are 2 different dates and information for a collection with XXXX XXXX on my report. So how can it come back as investigated and verified as factual. My documents prove that the credit bureau did not do a competent investigation of the information when the dispute was assigned. I have also asked for validation and verification previously and never been provided service. Even though I supplied documentation that proved this account is inaccurate they have failed to recognize this and supposedly " verified '' the accounts as accurate. This is a violation of the FCRA which require them to complete a reasonable investigation, which was obviously not done in this situation. I have included all previous disputes to show pattern. 

I have also attached Credit Reports from XX/XX/XXXX and XX/XX/XXXX and Results of investigation with experian which show that reports are still not consistent and showing incorrect information. 

to show XXXX XXXX XXXX  Equifax XXXX XXXX XXXX Date of Last Activity 2 Different Dates on Credit Report XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Equifax XX/XX/XXXX -XXXX  XXXX XXXX Date of Last Activity 3 Different Dates on Credit Report XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Equifax XX/XX/XXXX XXXX XXXX XXXX Date of Last Activity 3 Different Dates on Credit Report XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX Equifax XX/XX/XXXX XXXX XXXX High Credit Balance incorrect Reporting Credit Balance on Report XXXX High Reporting Balance XXXX High Balance should be equal to or more than Balance. This is a violation of FCRA. 











I mailed letters on Dates XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

INformation on the credit report with XXXX XXXX XXXX and XXXX XXXX was removed and it appeared on my credit report. It has been over 30 days since I have filed a dispute and they state that the information is correct from the furnisher and when I contact the Creditors or debt collection agencies they state that they never disputed any information with Transunion, XXXX, and XXXX. 

I have asked Transunion, XXXX, and XXXX  whom they verified the information through and their statement are outside vendors and there are tons of those. I want to know which vendors they are using to get this information. 

When Notifying Transunion, XXXX, and XXXX. They will not let you dispute information again. This should be illegal for them to do so. I would like for all three CRA send me a most up to date credit report ASAP.
Product: Checking or savings account

From XXXX to XXXX, I believe Navy Federal Credit Union has been mistakenly charging me overdraft fees and insufficient funds fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted request to all XXXX, XXXX, and Transunion regarding removing inaccurate items from my credit report. To date inaccurate information still appears on my credit report. 

Variations of inaccurate name on my report Old inaccurate addresses on my report Old inaccurate employers on my report
Product: Mortgage

Citizens Bank refuses to remove PMI from my loan even though I meet the 80 % requirement. They delay and delay. They refuse to get a supervisor on the phone.
Product: Debt collection

West Asset Management has been incorrectly reporting a paid medical bill as a collection to XXXX & XXXX. The reported date assigned was XXXX, with the date of first delinquency of XXXX. Original amount owed was claimed to be {$600.00}. This bill was fully paid by my insurance company, leaving only a {$30.00} co-pay. I paid that {$30.00} in full after contacting XXXX XXXX about this collection, after seeing it on my credit report, in XX/XX/XXXX. Any amount outside of that, is reduced or paid under a legally binding agreement with XXXX of Nebraska. I was never once contacted about this account by either XXXX XXXX or XXXX. 

- Further, XXXX has failed to provide any proof or detail of this debt upon request. 
- I was never contacted about this collection prior to seeing it on my credit report. 
- Multiple disputes with the credit reporting agencies have yielded continually erroneous and damaging information from West Asset Management. 

I have attached documentation as follows : - Credit card statement from XX/XX/XXXX, detailing the {$30.00} paid to XXXX XXXX for this " collection. '' - XXXX record of collection as reported by XXXX. 
- XXXX record of collection as reported by XXXX. 
- XXXX record of collection as reported by XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm disputed and requesting the proper investigation of Inaccurate non validated information being report by the thee bureaus. XXXX they are currently reporting 6 total accounts 4 open, 2 closed, and 2 delinquent which is not validated and also being disputed with those companies as well. XXXX has XXXX as open and those accounts currently have a balanced paid in full. They have self/lead closed with XXXX balance. XXXX is also reporting 10 unauthorized and inaccurate inquiries from various companies without my permission and are defaming my character as a consumer. XXXX currently has my current address incorrect, reporting 8 accounts 6 open accounts 2 closed, 2 delinquents 3 inquiries. Equifax is currently showing 8 accounts totaling 6 open accounts, 2 closed, 2 delinquent and 2 inquiries. In light of the investigations that have been bought upon Equifax and XXXX I find that my consumer report is being irresponsibly tampered with with all three. I asked that respectfully all inaccurate information be removed and or properly investigated/validated as per federal law I'm owed accurate and fair reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 usc 1681. XXXX  account # XXXX has violated my rights
Product: Debt collection

They contacted my sister in law 's father attempting to reach me advising that I had an outstanding debt. His phone number and address has never been associated with my name or otherwise. I am not even sure how they were able to contact him. He asked multiple times for them to stop calling but they did not and kept calling for months. He finally was able to get the information to me and I was able to call them.
Product: Credit reporting or other personal consumer reports

Certified mail was received on XX/XX/year>. I reviewed my consumer report and noticed eight late payments on an account I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability, with maximum accuracy. I have never been late on payments for the account. Account Type : Auto Loan Creditors Name : XXXX XXXX XXXX XXXX XXXX : XXXX Date of Late Payment : XX/XX/year>, XX/XX/year>, XX/XX/year> Please investigate and provide proof with statements showing those payments were late. If proof can not be provided, I demand these payments be updated to on time as they should be, as I was never late. Thank you.
Product: Debt collection

I called Midland Funding, they are the Collection Agency for XXXX XXXX XX/XX/XXXX. Midland Funding claims I owe {$170.00}. I contacted XXXX XXXX XX/XX/XXXX after speaking to Midland Funding and they claim this account was paid in full. I thought it was because XXXX XXXXXX/XX/XXXXapproved me for a credit card. So I spoke with both Collector and original Lender. Original Lender said must be an error. 
Thank you for helping me have this removed.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of credit cards and credit accounts from XXXX XXXX  with a balance of {$6000.00}, XXXX XXXX XXXX XXXX with a balance of {$440.00}, XXXX XXXX XXXX Card with a balance of {$3100.00}, XXXX XXXX with a balance of {$1800.00}, XXXX XXXX XXXX XXXX XXXX with a balance of {$4700.00}. 
These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts as reported. The aforementioned accounts appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. 
I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor reporting falsely on my credit reports as opened account was XX/XX/XXXX for XXXX, National Credit Adjusters reporting opened XXXX, XXXX XXXX reporting opened XXXX and balance amounts would like an investigation into this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Please remove the following items off of my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX AR XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$1100.00} XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XX/XX/XXXX XXXX XX/XX/XXXX. Under the Fair Credit Reporting Acy section 605b, you are expected to remove the disputed items since these items resulted due to identity theft. I am requesting that you comply with the law and remove the disputed items as soon as possible.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$1000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

According to XXXX XXXX XXXX XXXXXXXX. XXXX is supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account volates these laws : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Individual XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  Miscellaneous Medical/Related Health XXXX XX/XX/XXXXXXXX XXXX XXXX Miscellaneous Medical/Related Health Individual XX/XX/XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Restaurants/Concessions Individual XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Personal Service Reseller Individual XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Individual XX/XX/XXXX XXXX XXXX Credit Cards Individual XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX Individual XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Individual XX/XX/XXXX XXXX XXXX Auto Dealers, New XXXX XX/XX/XXXX 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I caused to be sent to Equifax a Certified Mail letter # XXXX XXXX XXXX XXXX XXXX " Permissible Purpose '' Letter requested that several accounts XXXX removed because Equifax does not have a Permissible Purpose as per 15 USC 1681b. Equifax did NOT remove the accounts but instead initiated an investigation which is NOT what I requested. My credit score went from XXXX down to XXXX. This has caused me to be denied credit and a mortgage for my first home. I intend to file a lawsuit against Equifax as per XXXX v Equifax where Equifax did the same thing to a woman who sued Equifax for inaccurately reporting accounts that should have been removed but instead remained and damaged her commercially and legally. Equifax is violating federal law and has caused my credit score to plummet XXXX points. I am filing this complaint as evidence that Equifax is violating my rights and federal law.
Product: Credit card

This is regarding complaint # XXXX. This was filed on XX/XX/XXXX, and I have not gotten this issue resolved. The account was paid in full on XXXX, payment was posted on XXXX, and since then, Synchrony Bank has charged me additional fees from XXXX through XXXX. On XX/XX/XXXX, I was charged {$81.00} for interest, and on XX/XX/XXXX, I was charged {$67.00} for interest also. I called them on XX/XX/XXXX and was credited the {$67.00} however, they refused to credit me the {$81.00}. Before paying off the account in full on XX/XX/XXXX, I called and spoke to a customer service representative who told me the amount owed was {$3000.00}. 
Synchrony Bank closed my account without just cause, and since they took over the XXXX store credit card in XX/XX/XXXX, I was asked several times by the bank to close my account and declined each time. Therefore, I am not surprised they closed my account without cause. I do believe Synchrony Bank is discriminating against me based on RACE. I do know of many individuals ( XXXX ) ) whose account was closed by this bank. This is an issue that needs to be addressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraud alert on my credit report that requires companies in which I apply for credit of any kind to first contact me to ensure it is me applying before running my credit and applying a hard inquiry to my credit report. Today American Express did not do this. I was expecting a phone call so that I could ascertain the validity of the pre-qualified offer I received and then discuss with the person verifying my identity my options before fully applying for the card. This did not happen and I just verified with XXXX  that it should have.
Product: Debt collection

They sent me to collections and reported me the credit bureaus though i informed XXXX I was approved but never purchased a phone as the cost phone and service were more than what i was quoted prior to approval. So I chose to compare with their prepaid company XXXX by XXXX to see if I could get a better deal and I did in or about XX/XX/year>. 

Was told if i didn't come back in a week my approval would be cancelled and I would have to reapply. I never returned as I went with XXXX by XXXX instead.
Product: Credit card or prepaid card

I spoke to the company and they said the old fraud charges were erased and this balance now is another charge. I told them this would also be a fraudulent charge. I asked for a breakdown of previous being erased and show me the new charge they now claim I owe. 
He gave me this new ref. # XXXX for this new complaint. He said he could not give me the itemized list, but someone else will be contacting me. I went back on my statements and it does not show where they cleared tge fraudulent charge. Instead they keep adding charges and are damaging my credit.