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

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being. 

Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It is with sincere disappointment that I present to you the detailed enumeration of the concerns I have meticulously compiled pertaining to the reporting undertaken by your esteemed organization, as explicitly documented in the accompanying file. Regrettably, it is evident that the aforementioned reporting falls short in terms of completeness and fails to align with the standards I hold paramount. It is imperative to emphasize that, in accordance with legal provisions, it is incumbent upon both your organization and the data furnishers involved to diligently certify all facets encompassing the requisite Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. Such certification must be executed with unwavering dedication to truthfulness, accuracy, completeness, and timeliness, in order to ensure the utmost protection of my consumer and civil rights, thereby averting any inadvertent violation thereof.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I was a client of XXXX XXXX XXXX. I paid off a negotiated debt to XXXX XXXX with my final payment being made on XXXX. The XXXX XXXX XXXX website shows that my debt is cleared and that I graduated their program. Shortly after that I received a letter from a company called Resurgent Acquitions saying I owed them the full amout of that debt.I contacted XXXX XXXX XXXX and they told me it was fine, and would adjust in the next few days. It didn't. I called the number on the collection letter. They looked up my account and provided me with a Paid in Full Letter. I'm currently trying to get a good interest rate on a mortgage loan. I submitted the XXXX XXXX  Paid in Full letter to my lender. They have a Rapid Rescore Department and are willing to work with me. The Rapid Rescore Department said they could not accept the Paid in Full letter because it's from Credit Control and not Resurgent Acquisitions LVNV. Resurgent Acquisitions is the company that reported a collection to the credit bureaus. The Credit Control letter was signed by a collections supervisor and I can provide his name and also the Paid in Full letter. I called Resurgent Acquisitons. They said I owed the money and asked who was the company saying it was paid. When I told them XXXX XXXX, I was informed that XXXX XXXX is one of their companies. They said they would contact them and if they showed that I paid the debt, they would provide a Paid in Full letter and also remove the collection from my credit report. Since then I received another letter from Resurgent Acquisitons saying I now have to pay more, and the new bill exceeds {$1800.00}, This is almost {$600.00} more than what they originally said I owed in XXXX. I have since called them numerous times and was elevated to a manager on three separate occasions. The managers, first name only, and I can provide those first names, always say they will be able to resolve the issue in 72 hours and will get back to me. They say they can't call XXXX XXXX about it, even though XXXX XXXX is their company. They said they have a process and I need to wait. I have never heard of XXXX XXXX or Resurgent Acquistions prior to this. I called XXXX XXXX XXXX again to see if they would help me. I was told that I have a letter from XXXX XXXX saying the debt was paid and that's as far as their obligation to me goes. In the meantime, I'm trying to close on a house. I will have to pay a higher interest rate if this can't be fixed. Houses are so expensive and any decrease in an interest rate is important. I hope you can help me. THank you.
Product: Mortgage

I called my mortgage company, Penny Mac to request to take my loan out of the covid forbearance program and begin making payments. I sent correspondence to them XX/XX/2021 prior to the request being made and I have yet to hear from them regarding that email. Since I have requested to have the mortgage reinstated, they told me I had to complete a modification, which I have sent everything they have asked of me and every time I call they ask me to send the same documents that I have previously submitted. The reps also attempt to reach out to the underwriter, usually with no success. This is frustrating as every time I call the representatives tell me I need to submit something else.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXXXXXX Balance : {$11000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX Balance : {$15000.00} ; XXXX XXXXXXXX Balance : {$370000.00}.
Product: Debt collection

To Whom It May Concern : I have repeatedly asked XXXXXXXX XXXX XXXX XXXX  for evidence to support reporting, but yet again, XXXX XXXX XXXX XXXX  have failed to provide me with a copy of any viable evidence submitted by NATIONAL CREDIT ADJUST collection agency substantiating their claims ( account # XXXX amount {$990.00}. 
Furthermore, I have requested XXXX XXXX XXXX XXXX  method of verification, to date have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). 
This letter is in response to XXXX XXXX XXXX XXXX recent claim XX/XX/XXXX that NATIONAL CREDIT ADJUST, collection agency, has verified that the ( account # XXXX amount {$990.00} ) they are reporting under my name is accurate.

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided. Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account.

I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-Oscar verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter.

The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security # XXXX number. 
I am maintaining a careful record of my communications with XXXX XXXX XXXX XXXX for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non- compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX you may be liable for your non-willfulness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute regarding incorrect information on my credit report to Transunion ( which was received on XX/XX/2021 ) with an inquiry to some information I wanted more information on. I submitted another dispute ( received in XXXX ) requesting for them to remove information that was incorrect from the investigation they sent me from my dispute in XXXX. Instead of removing the information they sent me from my XXXX dispute that was in conflict with the other credit bureaus, they updated the information. I don't understand how they could update information they already said was verified as accurate. In my XXXX dispute, I also requested that they send me proof of validation, which they did not.
Product: Credit reporting or other personal consumer reports

I am affected by the data breach with Equifax. Items that would not removed off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX, and Im submitting this complaint for myself and there is no third party involved. I filed a dispute with TransUnion on XX/XX/2021 and have yet to receive any response in regards to the status of the dispute. I feel as if Im being taken advantage of at this point.
Product: Credit reporting or other personal consumer reports

I am absolutely furious! This identity theft nightmare has cost me THOUSANDS of dollars and left me with wrecked credit! How much longer do I have to wait for XXXX, XXXX, and Equifax to get their act together on this investigation? This is unacceptable! I need answers and a resolution NOW! 

Listed in the attachments are police reports ftc reports bbb reports denials of credit accounts that were unknowingly or fraudulently opened and that I didnt receive any benefit from.
Product: Vehicle loan or lease

I just received in the mail a new response to my complaint. It`s still the same thing over and over again! Wells Fargo Auto Finance continues to attach a Loan Aplication with my alleged 'signature on it in three places. This is not my signature, and I do not have a copy of this. 

I looked at this page on the evening of the sale at XXXX XXXX XXXX, I refused to sign it as it had misinformation regarding my income. Upon return from a test drive, I was told the loan went through, i was confused. My credit score at the time was only XXXX. Also, Wells Fargo Auto Finance keeps using this as alleged proof for their loan. 

Written or typed amounts for income are not enough to allow a loan of this size to be distributed. There are no 6 months of Bank Statements showing Proof of my Income. I`ve contacted a free attorney as I qualify under the ADA for one. This is fraud, and Wells Fargo Auto Finance should know better.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, On XX/XX/XXXX I sent the first of many letters to all three credit bureaus XXXX Experian and XXXX in regards to verifying the accounts on my credit report. I requested that they please send me copies of the documents they have in their files, as of this date, they used to verify the accuracy of the accounts I listed in the letter. I asked them to delete the accounts immediately if they did n't provide verification of my connection to these account. The original signed contract between me and the company. Their response was to send me a copy of my report which is not verification that the account is valid Under the Fair Credit Reporting Act. The dates of the letters are as follows First Letter XX/XX/XXXX - XXXX XX/XX/XXXX - Experian XX/XX/XXXX - XXXX XXXX Second Letter XX/XX/XXXX - XXXX, Experian, XXXX Third Letter XX/XX/XXXX - Experian XX/XX/XXXX - XXXX, XXXX Fourth Letter XX/XX/XXXX - XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed items to be blocked and deleted company information from TransUnion. 

Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My bank account was scammed on XX/XX/year> XXXX payment was to xfinity mobile for XXXX another was for XXXX to XXXX and another was {$320.00} to the city of XXXX XXXX XXXX they has refused due to someone canceling the first investigations which was not me I opened another claim on XX/XX/year> after receiving letters stating that the investigation was stopped and the bank denied my second claim I was told to contact merchants and dispute with them the merchants stated that they do not handle these kinds of disputes I contacted the bank again today XX/XX/year> once again the bank will not try and help me and put in my account that I'm lying about the situation I am not
Product: Credit reporting, credit repair services, or other personal consumer reports

In the course of applying for a job, I discovered a collection account on my credit file from XXXX XXXX   XXXX on behalf of XXXX XXXX XXXX XXXX for an ER visit to XXXX XXXX XXXX XXXX on XX/XX/17, in the amount of {$1200.00}. This report is fraudulent, as I was not in Nevada at the time and have not used any ER services in over 10 years. I did drive through Nevada on XX/XX/17 and XXXX and used my credit card to purchase gas and food. But I have not been back since. 

I disputed the information several times in XXXX with both XXXX and XXXX, and after speaking directly to a representative from XXXX XXXX XXXX who confirmed that the report was fraudulent, filed a police report with the XXXX XXXX police. I also sent a letter to XXXX XXXX XXXX formally disputing the debt. They sent back their records, which confirm that the person who went to the ER that day was not me. 

Despite this, both credit bureaus simply rubber stamped the report as correct, every time. So today I spoke to another XXXX XXXX  XXXX representative, who again confirmed that it was fraud, and said he would escalate the issue. I then called back XXXX, who gave me the runaround and eventually hung up on me. This is an outrage, and may have cost me a job because the credit unions, as well as XXXX XXXX XXXX, failed to do theirs.
Product: Credit reporting or other personal consumer reports

The following inquiries were done without my knowledge or consent, they are as follows : ( THE FOLLOWING INQUIRIES ARE FOR TRANSUNION ) XXXX XXXX  XX/XX/XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

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

U S DEPT OF EDXXXX, Account XXXX XXXX has violated my rights. 

XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

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

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

I am writing to formally notify you that I have been a victim of a data breach, which has resulted in unauthorized credit inquiries on my credit report. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate blocking and deletion of the following inquiries : Unauthorized Inquiries : 1. XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXXXXXX XXXX Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/2018 lexisnexis sent me a letter stating that they deleted or removed case number XXXX from consumer reports prepared by lexisnexis and i have since forward to cfpb 4 times and each time i call XXXX they claim they havent received anything from cfpb i am uploading the information again please submit to XXXX .i need this issue resolved asap. XXXX is claiming that lexisnexis is verfiying the information as accurate. Please upload and send documents to XXXX.
Product: Debt collection

Since XXXX, Ive received at least 4 previous calls or text messages from a collections company, trying to speak or make contact with a person named XXXX XXXX Each time, Ive explained to these individuals, this phone # is my personal phone number and I have no knowledge of a XXXX XXXX. Ive also made it aware to each, to stop calling my phone # and remove it from their system as related to their business. On Thursday, XX/XX/XXXX I received a voicemail message from a woman named XXXX XXXX from Central Portfolio Control Inc, asking I return her call @ XXXX. 
On Friday, XX/XX/XXXX @ XXXX XXXX, I received a text message to my cell phone # XXXX from # XXXX that read, Hi XXXX XXXX, this is Central Portfolio Control Inc regarding a matter of yours, then asking to contact them @ XXXX using, which they state in the text message, is my ID # associated with this issue, # XXXX. ( see attached pic ). I called this XXXX XXXX back at the # XXXX twice on XX/XX/XXXX @ XXXX XXXX and again @ XXXX XXXX XXXX. Both times I left messages to stop calling my cell #, This is not XXXX XXXX nor his phone # and this is phone is a private #. The next day, XX/XX/XXXX @ XXXX XXXX XXXX I call Central Portfolio Control Inc @ XXXX which I got from XXXX search of business A woman answered, stating, Thank you for calling Central Portfolio Control, How may I assist you today. I explained to this woman about the left message I received from XXXX and recently the text message I received on my phone as to them trying to contact a XXXX XXXX. I advised this woman Im not XXXX XXXX, this is not his phone # XXXX and this # is a private #. Please stop calling and texting this #, my personal phone. The woman just sent my call to XXXX voicemail which it did. As a government law enforcement official, Ive taken many steps to protect my identity and personal information thats been compromised in XX/XX/XXXX with team XXXX servers. Ive placed active military alerts to all three credit reporting agencies, and have listed my # with the federal do not call registry since XX/XX/XXXX. Im asking for your assistance to have this agency/company/entity to immediately cease and desist in all forms of communication, phone calls, texts, email or US mail immediately for purposes of trying to contact a person named XXXX XXXX whom I do not know or ever met. This phone # is my personal number, assigned to me since XXXX via XXXX XXXX. I believe, again, another company such as this is looking for a person, XXXX XXXX that May or May not have been associated with this # at some time and maybe has outstanding debt with someone.
Product: Credit reporting or other personal consumer reports

I received a letter from XXXX XXXX about a data breach. I was unable to be verified when I tried to sign up for monitoring. Some of the security questions obviously didnt pertain to me. Experian then said there was a security freeze. I have never placed a security freeze on my account, but have placed fraud alerts. I have been completely unable to log in or access Experian at all to even find out the problem. I am repeatedly locked out when I try. They asked for a pin and I gave them what I have written down. They said its the wrong pin. It sounds like someone else has hijacked my Experian account and changed everything, but they arent even helping me to get it fixed.
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 authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX