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

I have a number of inquiries that I did not make and did not authorize. I believe that someone was attempting to gain credit in my name. Fortunately, a number of them contacted me to verify that I had made the applications and I informed them that I did not. They stopped the applications, however, they did not remove the improper and unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 It appear that many of them came from the same dealer attempting to gain approval and sent the paperwork to many lenders resulting in a substantial number of inquiries due to whoever was attempting to use my credit and identity to purchase a vehicle.
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 violeted my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE REMOVE ALL FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT AS PER FCRA 605B ( a ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed three ( 3 ) accounts from XXXX XXXX more than three ( 3 ) times with Equifax, XXXX  and XXXX. These accounts are listed as : XXXX XXXX : {$580.00} XXXX XXXX : {$610.00} XXXX XXXX : {$400.00} XXXX XXXX is reporting this inaccurate information to all three credit bureaus. I have the right to a fair and accurate credit report,
Product: Debt collection

CONVERGENT OUTSOURCING, INC. refuses to respond to debt verification but continues to report an unverified debt to the credit bureaus.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name XXXX XXXX XXXX  - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Unauthorized inquiries : 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 XX/XX/XXXX
Product: Debt collection

Pinnacle Credit Services , LLC sent a letter out with a XXXX IRS form notifying me of my " cancellation of debt '', and that it is being reported to the IRS as income, which I now have to pay taxes on. Problem is, I never owed them or the original creditor they claim they " bought '' the debt from, anything! This was the first time I was even made aware that this shady company even had a " collection '' against me! 

Even the original creditor, XXXX XXXX, confirmed that I have never had an account with them, therefore I could n't possibly owe them anything, or the collection agency they use ( which is Pinnacle Credit Services ) and said " something is very wrong, but they ca n't do anything to help, since I do n't, or never had any account with them that they could even go off of to see how Pinnacle Credit Services even got my name and/or SSN! 

So now, I have to file forms with the IRS for Tax Fraud against this company to prevent them from claiming they forgave a debt which is taxable. 

They refused to have any conversations on the phone, and after several hours of calling them and being put on hold every time until they decided to just hang up the line, my only recourse at the moment is to file complaints. I 'm now in the process of filing with the Mn. attorney generals office, the XXXX attorney generals office, as well as filing Identity theft charges against this " company '', as well as trying to get them to delete their fraudulent reports on my credit. 

They at no time have ever contacted me about this " debt '' and will give me no information as to original account information from the original " creditor '', no date at which they " bought '' the debt, and no information as to how they have my personal information when the " creditor '' they listed as being the people they " bought '' the debt from has no idea or account information regarding this so called " debt '' in any of their records! 

This company is a fraud, and is committing a crime, and I 'm not the only one they have done this to, and are doing it to as this is read. 

I was advised by the XXXX. state Attorney generals office that they would start an investigation into this company for identity theft on a broad scale if more people having these issues would contact them and file a report and make them aware of what 's going on ( not like they do n't already known, a simple search of the internet will yield numerous complaints of this very thing! ) but seeing this company ( Pinnacle Credit Services ) is a " LLC ( limited liability company ) operated by several small shady law firms, I 'm sure someone up the political tree is getting their palms greased and they will go unpunished.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute a credit report error to Equifax, XXXX, and XXXX for months without any success. 


I am writing to you regarding the late derogatory mark on my credit report for an error that could have been avoided and that is impacting my life. A late payment was removed from my XX/XX/2018 credit report ( XXXX XXXX  ) with all three credit reporting bureaus. 
I switched banks in XX/XX/XXXX which an auto draft was taking payments out of. When it occurred to me that the payments were going late I contacted card services and requested a new card. The card was sent to a very old address that was never updated in your system. I called immediately that day once I found out XXXX was attempting to deliver an overnight envelope to my old address but your office would not allow it to be re-routed or held at a XXXX location. I had to wait another 30 days for it to be sent United States Postal Service ( Slowest way to send it ) which is not guaranteed. There is no telling when it arrived. 
When I received my card I made a payment which got rejected for some reason and made the late payment worse. I was able to make the payment and get back on track. As you can see, I have been making larger payments to cover my balance. 
This is the 5th time I have called and now I am having to write to have this removed. The late payment is inaccurate and needs to be removed from my credit score. You already removed one month out of the two so why was the 2nd one not removed?
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a loan with a company called  ''Money Lion '' & I made all my payments on time I WAS NEVER LATE. I decided that I would leave for vacation with my family so I called money lion to pay off the remaining balance of the loan for a total of $XXXX  so I wouldn't have to worry about it when I was away on vacation. I spoke to a money lion representative and he took my debit card number and told me congrats your loan is now paid in full. Soon after I received an email saying my payment has been scheduled for XX/XX/2018 '' YOUR LOAN IS NOW PAID IN FULL''  so I personally thought everything was fine to leave on vacation. When I finally arrived back I got a notification from a credit monitoring service saying I had a ''serious delinquent account 30-60 days late''. and I contacted the company about this matter to have this negative remark removed I've sent in pdf files of my bank statements and the email verification of the payment,  as well I asked for a '' deletion letter '' but they refuse to give it to me. I would really appreciate if you guys can help me solve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information reporting to my credit that is fraudulent reporting on my XXXX XXXX. I have set a dispute several times I have address the issues with the creditor and they told me that they were going to remove and send the information to the bureaus to update it and they have not to do so the information is not my information and its fraudulent and information should be removed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX my brothers unemployment direct deposit was received on my CashApp as he intended. On XX/XX/XXXX my direct deposit had finally come through. Then on XX/XX/XXXX a few of my transactions were cancelled for my protection, and on XX/XX/XXXX my account was suddenly frozen. I have yet to receive an email stating the reason my account is frozen. The only form of customer service Ive gotten so far is an automated message from them on XXXX saying they would get back with me in 24-48 hrs. That was on the XXXX. I complained with the CFPB before, but whoever replied on behalf of CashApp assumed I had received an email already from them. The email should contain instructions on what information CashApp needs from me to unlock my account. Just please help me access my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I called Transunion to try and gain access to my account to dispute multiple credit checks that were fraudulent. A representative from TransUnion informed me that my account was locked out and that I had two accounts. He then read an email address and partial card number for this second account. I informed him that I did not make that account nor did I opt to pay for credit monitoring services. I told him that my birth certificate and VA letters were stolen from my mailbox and was a victim of identity theft. He would not release any other information regarding this account so that I could give to the police in order to find the person committing the identity theft. My complaint is that the Transunion company did nothing to validate this person 's identity nor did they notify me of this secondary account instead just disabled my actual account. This allowed the person to see my whole credit report freely and allowed them full access to all my personal information.
Product: Credit reporting or other personal consumer reports

TRANSUNION is reporting a bankruptcy that isn't mine nor accurate on my credit report. They deleted the public record and then put it back on my report without giving me a 5-day notice. This is a violation of my consumer rights.

Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. 
I have not supplied proof under the doctoring of the estoppel by XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. I presume that no proof of the alleged debt nor therefore any such debt in fact exists
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> Re : JCS Reference Number:XXXX Hey Debt Collector, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide me with documentation confirming this alleged debt.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please CEASE AND DESIST from collecting on this debt until you have provided validation of this alleged debt. Additionally, I request that you do not access my credit report or report anything to the credit bureaus. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.
Product: Debt collection

I received a letter from Elevate Recoveries , LLC. I have never heard of this company nor have I ever had a purchased agreement or contract with them. I noticed on my credit report I have {$1000.00} for some unknown reason. I would like to see a signed contract between myself and Elevate Recoveries LLC. If there is not proof I would like it removed from my credit report, according to FCRA Section 605B.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to file a formal complaint against Experian for multiple violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Despite my attempts to resolve these issues directly with Experian, they have consistently failed to meet their legal obligations, causing significant harm to my credit standing, financial stability, and emotional well-being. 

Complaint Details : XXXX. Failure to Properly Investigate Disputed Information ( FCRA Section 623 ) : On XX/XX/year>, Experian conducted an investigation regarding account XXXX XXXX XXXX. They reported on XX/XX/year> that my credit report was not changed as a result of their investigation. Experian claims that XXXX certified the information as accurate. However, Experian has failed to : a ) Provide me with the documentation used to verify the debt, as required by the FDCPA. 
b ) Conduct a proper investigation of the disputed information. 
c ) Report the results to all nationwide consumer reporting agencies, as required when information is found to be inaccurate or incomplete. 

XXXX. Failure to Verify Debt ( FDCPA Section 1629g ) : Experian has not provided proper verification of the debt as required by law, including : a ) Proof of my agreement to pay the original creditor. 
b ) A copy of the final account statement issued by the original creditor. 
c ) A detailed breakdown of the total amount due. 
d ) Documentation for each charge, including dates and bases for charges. 

XXXX. Reporting Disputed Information : Despite my formal dispute of this debt, Experian has continued to report it to credit reporting agencies without noting that it is disputed. This is a clear violation of both the FCRA and FDCPA. 

XXXX. Failure to Protect Consumer Information : Experian 's actions have exposed my private information and failed to protect my identity from fraudulent use. 

These violations have resulted in : - Inaccurate information on my credit report - Potential denial of credit or increased interest rates - Emotional distress and damage to my financial stability - Exposure of my personal and financial information
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit card

On Sat XX/XX/25 I called XXXX XXXX XXXX at XXXX. I had a question on a charge that was made to the card. The card was under my husband 's name but I was listed as an authorized user. The XXXX XXXX XXXX person ( Citibank ) would not speak to me about the card activity. I had my husband give full verbal disclosure and they still would not speak to me. When I tried to talk, the agent cut me off and said they could not speak to me. I tried again today - same thing. Unacceptable. I'm not sure who can help me but I refuse to pay the balance on the card until someone speaks to me about it. Terrible customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. XXXX XXXX XXXX have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX XXXX XXXX : {$230.00}
Product: Debt collection

I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

Experian Information Solutions , Inc. 
XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of account on my credit report Dear Sir/Madam, I hope this letter finds you well. This correspondence is concerning an inaccurate piece of information that I have noticed on my Experian credit report. Specifically, there is an account under the name XXXX Credit Card, ' which I did not open or authorize. 

To elucidate, I became the victim of identity theft in XXXX of last year, an incident for which I dutifully filed a police report. I have attached a copy of this police report with this letter for your reference. The illicit account, I believe, is directly linked to the fraudulent activities conducted by the identity thief, and I had no part in its creation nor have I authorized any transactions on it. 

Pertinently, I would like to draw your attention to Section 611 of the Fair Credit Reporting Act ( FCRA ), which dictates that upon receipt of a dispute, you have an obligation to promptly investigate and remove inaccurate information from the data subjects credit report. Concurrently, I would also like to draw reference to the Consumer Credit Reporting Act ( CRA ), which provides similar protection against inaccurate credit reporting. 

Subsequently, I kindly ask that you expedite the investigation into this matter and see to it that the XXXX Credit Card ' account is removed from my credit report. The presence of this fraudulent account is causing undue stress and unwarranted injury to my financial reputation, which I hope you can appreciate. 

Please update me on the progress of this case periodically, and provide written confirmation once the account has been deleted. For further details or any necessary documents, feel free to get in touch with me at my email or phone number. 

I am hoping for a prompt resolution to this matter. Thank you for your time and anticipated cooperation. 

Sincerely, XXXX XXXX Attachments : Police report Identity theft ( XXXX [ XXXX ] )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act PENTAGON FEDERAL CR UN acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX has violated my rights.

15 u.s.c. 1681 section 602 A states I have the right privacy.

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

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

I previously started looking into the report that included false information, and after reading your response, I saw that the report still contained false information despite having a confirmed status. Please validate this account 's status and payment history for me. I think the information being reported by this account is false. I always make my payments on time, so I never had a late payment on this account. I keep my own accounting records for payments, and the one you have does not line up with what I have. I ask that this account be thoroughly investigated and updated for proper and legal accuracy. Please fix the following account : XXXX XXXX XXXX XXXX : {$650.00}