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

three inaccurate and fraud accounts have bee reporting under my XXXX credit reports, these i have been disputing them for the longest times, ally fin i never had any accounts with them XXXX XXXX, i have XXXX and as it appears this is a fraud collection agency, so as you can see these accounts are total inaccurate and fraud accounts under my name, please help me to remove these inaccuracies from my XXXX credit reports only., than k you for your cooperation
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX. All of a sudden lowered my credit limit on 2 different cards making the cards almost maxed out which affects other credit cards I have and my XXXX score. 
First card credit limit lowered from {$13000.00} to {$3300.00} card has a balance of {$3200.00} leaving available credit down to {$120.00} which then make my card look maxed out when it was far from being maxed out. With no explanation as to why this was done. 
Second card credit lowered from {$9700.00} to {$2200.00} with a balance of {$2100.00} leaving available credit down to {$84.00} which makes card looked maxed out again with no explanation and affecting XXXX score. Both cards have been receiving payments of more than the minimum amounts due. I feel the is unfair to me and my credit score. I called and all was told cards went under yearly review and credit scores dropped the limit never receive any thing in writing from them about this also.
Product: Debt collection

ERC, or Enhaced Recovery Company, XXXX, is collecting an unverified debt from XXXX XXXX XXXX that m XXXX XXXX XXXX and XXXX XXXX XXXX XXXX were not able to verify not too long ago. XXXX XXXX XXXX assigned XXXX  XXXX XXXX and XXXX XXXX XXXX XXXX to collect account # XXXX with a balance of {$2600.00} before I submitted a debt verification letter to both companies. They couldnt verify the debt, so they stopped all collections attempts, but XXXX XXXX XXXX continued selling this account to different collections agencies violating the Fair Debt Collection Practices Act ( FDCPA ). 
On XX/XX/2021, I received a letter from XXXX XXXX XXXX XXXX XXXX when they were representinXXXX XXXX XXXX XXXX with the following statements in regards to my debt verification and dispute ; the letter is attached as evidence XXXX received the within XXXX complaint the next day, which was promptly forwarded to the creditor. We are pleased to report that in response, the creditor issued credit adjustments to zero the balance on XX/XX/2021. The matter appears to be resolved in favor of XXXX XXXX. XXXX can confirm that it did not report to the credit bureaus regarding the account. The documents requested have been mailed directly to the consumer in keeping with his request ( XXXX XXXX XXXX, XX/XX/2021 ). 
XXXX XXXX XXXX continues selling this debt to different collection agencies defiantly to harm me without verifying this account or providing the information that I have requested many times before : -CREDITOR/DEBT COLLECTOR DECLARATION Agreement with your client grants you the authority to collect on this alleged debt. 
- Agreement that bears the signature of the alleged debtor wherein they agreed to pay the creditor. 
-Any creditor regarding this account has made any insurance claims. 
-Any Judgments obtained by any creditor regarding this account. 
-Name and address of the alleged creditor. 
-Name on the file of the alleged debtor. 
- Alleged account number. 
-Address on file for the alleged debtor. 
-Amount of alleged debt. 
-Date this alleged debt became payable. 
- Date of original charge off or delinquency. 
-Verification that this debt was assigned or sold to the collector. 
-Complete accounting of alleged debt. 
-Commission for debt collector if collection efforts are successful. 
CLEAR ATTENTION TO THIS REQUEST : This is NOT a request for " verification '' or proof of my mailing address, a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Because XXXX XXXX XXXX and XXXX XXXX XXXX XXXX was not able to comply with FDCPA per letter that XXXX XXXX XXXX XXXX XXXX XXXXGeneral Counsel sent to XXXX XXXX XXXX XXXX XXXX  employee in XXXX XXXX with address XXXX XXXX XXXX XXXX XXXX, NY, XXXX ) on XX/XX/2021, Letter is attached to this complaint. The complaint about that issue is XXXX Complaint # XXXX. I have also attached a copy of the debt verification letter sent to XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

I made a payment of XXXX, it was the balance of my loan. The payment wasn't process for XXXX  days and as a result, the account accrued more interest. I called and talked with someone, who with XXXX approval, said they'd XXXX out my account and send me a letter of notification. Neither happened. I used the XXXX XXXX online feature, and XXXX week later I've had no response. My interest is now > XXXX Small but ridiculous. I paid it but am furious I'm paying again. This also means other people are paying more than they should on their accounts if payments don't stop the interest accrual on the updated primary loan amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a prior complaint ( XXXX ) with Capital One in which they agreed to update the reporting status of my account from Derogatory and Charge off to paid in full. I received a letter dated XX/XX/17 where they said they had notified credit bureaus of the update and to wait for changes to be processed. It is now over a year and a half later. I have called multiple times to have the issue resolved to no avail. I am requesting that Capital One Auto Finance do as they promised and reflect the account status properly.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : Driver 's License- XXXX Address : XXXX XXXX XXXX XXXX, XXXX CA XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX XXXX XXXXXXXX ( Open Date : XX/XX/XXXX ) Account # XXXX Routing # : XXXX Bank : XXXX  XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX ( XXXX XXXX XXXX XX/XX/XXXX XXXX Account # : XXXX Routing # XXXX Bank : XXXX XXXX ( Open Date : XX/XX/XXXX XXXX Account # : XXXX Routing # : XXXX Bank : XXXX XXXX ( Open Date : XX/XX/XXXX XXXX Account # : Inquiry Routing # : Inquiry I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request. 

Thank you for your assistance. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXXXXXX XXXX has violated my rights.

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
Product: Credit reporting, credit repair services, or other personal consumer reports

Open Date XX/XX/2018 Balace {$89.00} XXXX XXXX   XXXX Let a person open a account in my name and XXXX XXXX  XXXX sent a credit card to a PO Box this account is not my account at all, I did not no this company had existed, Sending a card to a PO Box is a red flag but no this company sent the card anyway to a PO Box that I do not own, also they told me another address when I talked to them that I never lived at both address was never my address I never lived there, and the phone number they gave me was never my phone number NOTHING MATCHES ME, this account needs to be removed asap/immediately from all 4 credit reporting agency and my credit report or me and my team will take legal actions. I have no idea who this company is. I have filed all necessary complaints.
Product: Debt collection

the company XXXX XXXX and XXXX called me twice before this year around XXXX, i did not get the person name as they asked for woman, however that don't apply to me and told them to remove my number from their list they said they would. today i had a missed call from XXXX when I called back I spoke to XXXX the receptionist as I did not know who called, advise they need to remove number she i cant i am just the receptionist told she works for them take it off. she then transferred and I spoke to a XXXX XXXX and immediately informed to remove my number and have before she we are looking for XXXX is the last i recalled told i have told yall before stop calling here and to remove my number she stated first of all you called me and you need to tone it down, i told her she was rude and i would placing a complaint with attorney general she said ok and then proceeded to hang up, when I hung I saw voicemail ( i don't have personal greeting ) with same number XXXX, hello we have an important message from XXXX XXXX and associates please call XXXX at XXXX extension XXXX thank you ''
Product: Credit reporting

I contacted XXXX XXXX XXXX for reporting late payments for an account during a period which they were not the loan servicer and for reporting late payments on discharged debt. XXXX issued a letter dated XXXX XXXX, XXXX which stated they have deleted all information regarding the loan. 

On XXXX XXXX, XXXX I obtained information from Experian, XXXX and XXXX that states my FICO score is negatively impacted by " your mortgage or non-mortgage installment loans ''. My wife, XXXX XXXX XXXX, and I have no installment debt and any mortgage debt was discharged. 

Additionally, Experian says my revolving debt has " heavy use ''. I have a {$3500.00} credit card that is paid to XXXX or low balance every month as I use it for business and am reimbursed by my employer every month. 

This type of information is negatively impacting XXXX XXXX score and my wife 's. The fact is I have a zero balance on on credit card and the other card ( XXXX ) is paid off monthly. The lower FICO score is impacting the mortgage loan quotes we are receiving for the purchase of a residence. 

XXXX states it has removed the XXXX information yet the attached was obtained on XXXX XXXX, XXXX from my XXXX account. 

My wife and I have nominal consumer credit ; our bank savings and checking balances are over XXXX our outstanding balances and we have a combined household income of over {$170000.00}. We had a Chapter XXXX - discharged in XXXX - and have paid all accounts as agreed. There is no reason our credit scores should be below XXXX by any credit reporting agency. The fact is the incorrect reporting by XXXX regarding mortgage payments remains a significant negative influence on our credit scores.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and am writing to dispute the following information that appears on my Equifax report. 

The following inquiries are unauthorized or inaccurate, and I ask that you delete them : Inquiry from XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

XXXX from XXXX XXXX XXXX XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
I received a copy of my credit report and am writing to dispute the following information that appears on my Equifax report. 

The following inquiries are unauthorized or inaccurate, and I ask that you delete them : Inquiry from XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

XXXX from XXXX XXXX XXXX XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

inquiry from XXXX XXXX XXXX XX/XX/XXXX I dont recognize this lender and they have been ruining my credit years inquiry from XXXX XXXX XXXX XXXXXX/XX/XXXX I don't recognize this lender and they have been ruining my credit for years inquiry from XXXX XXXX XX/XX/XXXX I don't recognize this lender and they it says item have been charged off and I haven't received any artifact from lender XXXX XXXX XXXX issue with them have been resolved years ago but they keep selling my information to vendors to reach out to me and solicit and I don't appreciate that. 

XXXX XXXX XXXX XXXX  XXXX I don't recognize this lender and they it says item have been charged off and I haven't received any artifact from XXXX XXXX XXXX XXXX  XXXX XXXX I don't recognize this lender and they it says item have been charged off and I haven't received any artifact from lender By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment XXXX, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

Consumer Name : XXXX 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 Experian 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 installment loan account opened at XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, an installment loan account opened at XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$750.00} under the account number XXXX, a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$740.00} under the account number XXXX, and an bankruptcy : dismissed XXXX account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Hard inquiries consist of XXXX XXXX opened on XX/XX/XXXX and XXXX XXXX opened on XX/XX/XXXX. 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 # XXXX 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: Debt collection

In XXXX of XXXX, I closed a XXXX XXXXXXXX phone account, due to my XXXX XXXX change of station to the XXXX XXXX. In XXXX I noticed that a debt collector ( Jefferson Capital Systems ) reported the debt as new, and is still damaging my credit report for an account that should have aged off in XXXX. I've initiated several disputes, Transunion still lists the account as delingquent. XXXX  removed this account years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Bank is violating my consumer rights by reporting inaccurate information to my consumer report without my consent, see attached exhibit
Product: Debt collection

Sent them the FTC letter and spoke with them letting know this account was due to identity theft in XX/XX/year>. I just received another letter trying to collect the same debt and had them mark the account as Identity theft.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX  Balance : {$3400.00} XXXX XXXX  XXXX Balance : {$1100.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$740.00} XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX : {$19000.00} XXXX XXXX XXXX XXXX : {$3400.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$740.00} XXXX XXXX XXXX Balance : {$820.00} XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX  XXXX Balance : {$1100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$740.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$820.00}.
Product: Mortgage

XXXX of 2022 I went through the process of requesting to remove PMI from my mortgage loan through the provided avenues that PHH outlined. To date, XX/XX/2022 they have yet to provide an appraisal to determine my PMI eligibility and continue to provide false promises of escalation to managers, lied about an appraiser being assigned to the account and refuse to provide any resources to speak to the PMI department. I paid a fee of {$150.00} for this service that was cashed on XX/XX/2022.
Product: Credit reporting or other personal consumer reports

Contacted Equifax about incorrect information and they did not do an investigation. I will up load Consumer laws that they are not following
Product: Vehicle loan or lease

I visited UAC/XXXX on XX/XX/XXXX to search for a vehicle. I asked about a XX/XX/XXXXXXXX century and I was informed the vehicle is for sale {$4100.00} and payments are {$170.00} per month. I decided to apply for the vehicle. During the application process I told the car dealer I get paid once per month and the dealer said not a problem because the XXXX is only XXXX per month. After completing the application I was approved for the XX/XX/XXXXXXXX century. I signed the paperwork to purchase the vehicle then the price jumped from {$4100.00} to XXXX. I asked why the price more than doubled? The car dealer said the price includes maintenance, a warranty and interest. I became upset because none of this was disclosed to me before I purchased the car. Further more the car dealer told me that all my documents are located online if I have any questions at XXXX XXXX, however after navigating to the website I noticed no documents on the website. One week later I get a call from XXXX saying they needed payment for the XX/XX/XXXXXXXX. I explained I do not have a payment due yet because I get paid once per month. The XXXX  associate told me UAC/XXXX only does biweekly payments and I need to make a paymemt asap. I told the XXXX associate once more that I have a contract in place stating I pay once per month since I am a salary employee. The XXXX associate said if I dont make a payment of XXXX by the end of the day XXXX will remotely disable the starter in the car. I never was informed nor agreed to this remote disable starter business yet carhop XXXX my car remotely without prior knowledge or consent. This continued for 5 months. I was told by XXXX  my monthly payment schedule is processing and in the mean time I should take out payday loans in order to make the biweekly payments or else XXXX will continue to disable the starter within the XXXX XXXX. For 5 months I dealt with this having to take out payday loans to pay biweekly payments when I get paid monthly. This put me in extreme debt and in hot water with my boss because I could not get to work due to the starter being XXXX. This behavior caused me to lose my job, become evicted from my apartment and I'm in extreme debt. I called XXXX to make arrangements to come pick up the XX/XX/XXXX XXXX because XXXX put me in debt however XXXX said they will not come get the car because they have to wait 30 days and XXXX  threatened to ruin my credit. I am very upset because XXXX promised me monthly payments of {$170.00} for a XXXX XXXX century {$4100.00} however XXXX lied by raising the monthly price to {$380.00} and the payoff price to {$9100.00}. In addition, the XXXX started making a loud grinding sound and did not work properly so I took the car to a mechanic who told me the car was involved in an accident and was auctioned off to XXXX XXXX XXXX XXXX XXXX never told me this car was prior damaged.
Product: Debt collection

ONLINE INFORMATION SERVI has reported items that I don't know where they come from as doesn't specify who is the client. If this account is regarding XXXX XXXX it should be under the Charity program.