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

I recently seen these on my credit report. i did not authorize these. I reached out to all these company 's and they still will not remove them. i want them removed off of my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALLYFINANC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Experian Failed to conduct an investigation within 35 days as required in accordance with FCRA 1681i ( a ) ( 1 ) ( A ) after I submitted my dispute via CFPB # XXXX on XX/XX/2024 and Experian acknowledged receipt on XX/XX/2024 and sent results of alledged investigation to me XXXX/2024, more than the 35 days required under Federal law. 
Experian appears to have ignored the TRUE basis of my dispute which is my PRIVACY RIGHTS are being violated in accordance with FCRA 602 which states I have a right to privacy. Additionally, FCRA 604 ( a ) ( 2 ) states a credit reporting agency can not furnish an account without written instructions from the consumer ( XXXX XXXX ). 
My PRIVACY being violated is the sole basis of my dispute! 
I demand that all XXXX accounts that I disputed via CFPB # XXXX submitted on XX/XX/2024 .Experian acknowledged receipt XXXX XX/XX/2024 and violated Federal Law 15 US Code 1681i ( a ) ( 1 ) ( ( A ) for FAILING to conduct the investigation within 35 days as required in accordance with Federal Law. 
I demand that ALL ( XXXX ) accounts be deleted immediately. If all the accounts are not removed I Request the Procedures used that led to accounts to be verified along with the names of person ( s ) you spoke with along with their telephone numbers and addresses. I request this in advance and expect to receive the information within 15 days after your investigation is conducted in accordance with FCRA 611.
Product: Credit reporting or other personal consumer reports

I have XXXX accounts that the open dates are wrong XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. The acounts are over XXXX XXXX XXXX. I ask for all information from. The credit reporting agencies. And both banks. I received nothing.
Product: Credit reporting or other personal consumer reports

I noticed on my account that there are incorrect address and name information. My name is XXXX XXXX XXXX and XXXX and Transunion have incorrect names for me : XXXX XXXX and XXXX XXXX ( Transunion ) XXXX XXXX and XXXX XXXX ( XXXX ) XXXX XXXX XXXX does not belong to me ans I have asked them to send proof of this account and I have not receive it ( XXXX and XXXX is reporting incorrect information on my credit. 

I have no idea what the following account are or who these accounts belong to : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Respected Sir, This is regarding Credit Report displayed information is inaccurate and incorrect. 
Information in the Credit Report XXXX as Company Info : XXXX XXXX XXXX Account No XXXX XXXX. Amount Owed {$170.00} XXXX. Placed in Collections XX/XX/XXXX XXXX. Last Verified Date XX/XX/XXXX I do not recognize this company and the information. XXXX XXXXXXXX performed. I requested all Credit companies to delete this collections company information. But this information never deleted. 

In Accordance with the Fair Credit Report Act this company violated my rights.

15 U.S.C. 1681 Section 602 A 1 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. 

Kindly delete the account. 

Thanks XXXX XXXX
Product: Debt collection

Immediately after my Chapter XXXX bankruptcy was dismissed in XXXX 2016, I began receiving phone calls from XXXX about a debt. I had no knowledge of the type of debt until I googled the company and read the reviews. Later that day, I was contacted by a rep from XXXX who proceeded to explain the nature of the debt. We went over some basic information and I realized it was for my student loan which the company says I am in default because of the bankruptcy dismissal. On XXXX XXXX, I gave the rep my communication preferences which included my home number and the immediate removal of the temporary work number that I did not give them ... or give them permission in which to call me. Today alone, I have received 3-5 robo calls from them as transfers to my employer. The calls began XX/XX/XXXX and have been continuous since. The live person I spoke with today, threatened me with wage garnishment on my employer line, and said she received no communication to remove the employer number so they have continued to robo call the number.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

Afni, a subrogation  department, has been contacting me for the payment of {$35000.00}. According to Afni, I owe this money to the insurance company XXXX due to a traffic accident, but they haven't been able to provide an explanation of where this amount comes from. They also discussed a possible driver 's license suspension, which I consider a threat. It is worth noting that XXXX hasn't personally contacted me regarding this. On the XXXX of XXXX, I sent a letter to Afni by certified mail asking for these details, but they sent the same initial letter with no answer to what I asked for. This has been causing me a lot of stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX recently received a copy of my ( XXXX, XXXX and TransUnion ) consumer report, and I noticed some late payments posted on my consumer report : XXXX XXXX Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) XXXX Making the report is not INCLUEDED on my Consumer report! 
A XXXX payment is a transactional history, My HISTORY with your company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!

YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. 
You have 10 calendar days to update my Payment history and or delete all late payments from the below account/s XXXX XXXX Failure to respond satisfactorily with deletion of the above Late Payments, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character Negligent Non Compliance Civil Liability Mental Anguish Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting, credit repair services, or other personal consumer reports

You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. I sent XXXX XXXX, Equifax and XXXX all my FTC report back on XX/XX/XXXX and havent received any response Under the FRCA they had to block information from my CONSUMER report and FAILED TO DO SO within the 4 days of receiving my letter. I have over 30 INQUIRIES WHICH I DID NOT Commit nor gave my authorization so they are unauthorize!
Product: Mortgage

I have an escrow set up. My property taxes were due XX/XX/XXXX. Multiple times in writing I asked that my property taxes be paid before the due date with no response until I filed a separate complaint on this site. Even then no response to my issues multiple times and I still have not heard from them. It was paid 13 days after the due date. I sent a notice of error to XXXX XXXX on XX/XX/2022. This is not acceptable. I pay all my bills early. I have an escrow account expecting that this company will not ruin me financially.
Product: Student loan

My student loan was forgiven in XX/XX/, but MOHELA continues to report the old outdated full remaining balance on all 3 credit reports, even after I disputed the incorrect balance on all 3 credit reports. I sent them a digital message about this matter on my online MOHELA account, but they never responded to my message. In the letter they sent to my online account, MOHELA said my loan was forgiven and that they would update all 3 credit reports within 30 days. That was back in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  Card Services ( " XXXX  '' ) engaged in aggressive behavior which greatly impacted my credit score preventing me from obtaining a favorable interest rate. In preparation of obtaining a car loan, I issued a payment for {$7500.00} to pay off the card on XX/XX/2023. My credit limit was {$7900.00}. On or about XX/XX/2033, I made a purchase on {$710.00} on the credit card. Without any warning or valid reason, XXXX  reduced my credit limit to {$800.00}. This immediately impacted by credit score since it showed a maxed out credit card on my report. I immediately paid off the card for {$710.00} near the same time. After multiple calls, my credit report still has not been updated.
Product: Credit reporting or other personal consumer reports

Equifax admitted to a data breach an confirmed my information was in fact compromised in this breach. They have yet to provide compensation for the neglectful practices of their organization. They also have the audacity to request proof of hours spent dealing with this matter when there is no possible way to keep track of that as the breach happens a few years ago and we are just being notified as of recently. With that said the fraud found on my credit report could in fact be becof this breach but the bigger matter at hand is that my info was in fact confirmed to be breached which is a violation of the Privacy Act of 1974, Gramm-Leach-Bliley Act, Federal Computer and Abuse Act just to name a few. Being this organization has my full name, date of birth, social security number, address, and my entire credit profile my identity in its entirety has been placed at stake. There have been several items on my credit report that reported negatively that I have since been able to remove that I believe were related to this breach. This has caused me and my family so much distress and humiliation along with XXXX because of denials due to items reporting negatively which were mind. Now I have undue stress because XXXX random person has ALL MY INFORMATION. I have to constant worry about my identity being stolen and my information being used. There is no timeframe on this matter because my social security number will never change, my date of birth will never change, and as of now I have no intention on my address changing. This means this information can be used anytime now or in the future leaving me vulnerable to being a victim of ideas theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a mortgage account with XXXX XXXX which was delinquent as of XX/XX/XXXX, and never again brought current. XXXX XXXX reported the account as derogatory for years. Now that the 7-year reporting period has expired, they are reporting the account as closed as of XX/XX/XXXX, with an exceptional payment history. This is a lie, as the delinquent account was sold to XXXX XXXX XXXX, and once I defaulted on the mortgage, I never gave XXXX XXXX another penny. XXXX XXXX is deliberately and fraudulently reporting the account with an exceptional payment history in order to justify it remaining on my Experian credit report until XXXX. 

I filed a dispute with Experian, and the only change made by XXXX XXXX was the closure date ; it was changed from XX/XX/XXXX to XX/XX/XXXX. I have received no remedy or relief. I want this account removed from my credit report ( s ).
Product: Debt collection

Tried to make payment and they would not accept payment. Keep calling. Sending emails and last one said they were going to report me to all 3 credit bureaus even after I tried to make a payment and it would not accept it. Days it's delinquent and it's not. XXXX and it's bank Synchrony. My payment isn't due until the XXXX of XXXX and I have been getting threats for 2 weeks ... And harassed for 2 weeks. This is awful. I'm contacting an attorney. 
I want you to help me. And XXXX has chosen not to credit my account for the pressure cooker I didn't receive. That was supposed be taken off my account months ago and it's still there. 
Thank you.
Product: Credit reporting or other personal consumer reports

I was fraudulently charged for XXXX $ for an XXXX transaction on XX/XX/XXXX at XXXX XXXX after someone stole my citi credit card and havent received any credit to my account and am being forced to pay for it during investigation also have contacted them several times and tried to escalate but was told could take upto XXXX for investigation
Product: Mortgage

I was fraudulent induced in the purchase of home, that closed on XXXX and there was fraud in the inception and concealment and non-disclosure in the purchase of my manufactured home. First time homebuyer. 
I need to vacate to get medical treatments for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  has been tested by licensed contractors and found throughout the home and in the crawlspace, including XXXX XXXX  and XXXX XXXX strains and many others. 

Spoke with PHH Mortgage on XXXX and XXXX. PHH bought this loan from XXXX XXXX  after my first payment. Asked for an abeyance or forebearance while the legal issues are being addressed. They continually hung up when we got to

the point of the financial questions. Would not give email, contact address or otherwise. No permits were obtained by seller to do restructuring including but not limited to the demolition to exterior walls, interior walls, doors, windows, and interior plumbing and electrical of manufactured home. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX due to violation of co des involving height and placement on a walking path with a metal privacy screen attached.
Non-disclosure, concealment, fraudulent inducement by sellers and real estate agents who were on the same real estate team and sellers ' relative. Lenders are remiss in their fiduciary duty to me before, during and after sale. Realtor was negligent in her fiduciary duties to me. 

XXXX XXXX XXXX  and XXXX  attemptend to get me to sign condo document and rider after closing and after selling XXXXXXXX XXXX to PHH Mortgage.

Land was misrepresented as part of the sale, and later discovered that was false.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 13 accts on my credit report that do not belong to me I have been disputing these since XX/XX/XXXX I need them off my credit report since they are not mine I have not applied signed or doner anything with these companies and I dont know why they are reporting incorrect information and ruining me!!!! 

XXXX XXXX - XXXX Opened XX/XX/XXXX {$120.00} XXXX XXXX - XXXX Opened XX/XX/XXXX {$680.00} XXXX XXXXS - XXXX Opened XX/XX/XXXX {$120.00} XXXX XXXX - XXXX Opened XX/XX/XXXX {$120.00} XXXX XXXX - XXXX opned XX/XX/XXXX {$680.00} XXXX XXXX XXXX - XXXX Opened XX/XX/XXXX {$340.00} XXXX XXXX XXXX - XXXX XX/XX/XXXX {$5300.00} XXXX XXXX XXXX - XXXX Opened XX/XX/XXXX {$6200.00} XXXX XXXX XXXX - XXXX Opened XX/XX/XXXX {$1900.00} XXXX XXXX XXXX - XXXX Opened XX/XX/XXXX {$1200.00} XXXX XXXX - Acct # XXXX Opened XX/XX/XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

**Dispute Report** Date : XX/XX/year> Subject : Removal of Fraudulent Accounts and Hard Inquiries from Credit Report To Whom It May Concern, I am writing to dispute the presence of several accounts and hard inquiries on my credit report, which are negatively impacting my credit score. Below is a list of accounts and inquiries that I believe were fraudulently opened without my consent or knowledge : **Accounts : ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts do not belong to me, and I request their immediate removal from my credit report. Furthermore, I am requesting an update to my personal information on file. Please remove the following business name associated with my account : **Remove Business Name : ** XXXX XXXX XXXX XXXX, I request the correction of my name to " XXXX XXXX XXXX XXXX across all accounts and records. 

**Hard Inquiries Needing Instant Removal : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And any others that may be present. 

These hard inquiries were made without my authorization, and I request their immediate removal from my credit report as per the law. 

I am enclosing copies of relevant documents supporting my claim, including identification and proof of address. 

Please investigate this matter promptly and provide written confirmation of the actions taken to resolve these disputes. 

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

XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Dear XXXX XXXX XXXX : It is your responsibility to ensure your permissible purpose in accordance with the Fair Credit Reporting Act before reviewing a consumer 's credit report. Demonstrate that your hard inquiry for Experian dated XX/XX/2019 met this requirement, pursuant to the Act. My Social Security number is XXXX. 
Otherwise, rescind the errant notation immediately. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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. 
Account name : XXXX XXXX  Account XXXX XXXXXXXX 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 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. 16815-2 ( AN1 ) 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: Money transfer, virtual currency, or money service

I had gotten an email from my school email, stating they were looking to hire a remote position for them. I had contacted the number they said to they said that I had to pay tor the supplies and I will be reimbursed I had XXXX  them the payment and I found out that this was a scam.
Product: Money transfer, virtual currency, or money service

Unauthorized usage of my Credit Karma card took place on XXXX on XX/XX/2024, two transactions. One totaling {$140.00}, the other {$75.00}. Then I had an unauthorized XXXX XXXX transaction that went through on XX/XX/2024 in the amount of {$550.00}. I took proper steps to try to stop the charge while it was still pending but Credit Karmas live chat stated the charge needed to fully go through before I could dispute it. Even with that being said, I started a dispute for all three of these transactions on XX/XX/2024 and the dispute got denied XX/XX/2024 with their investigation stating that these were in fact authorized transactions. That makes absolutely no sense, why would I be reaching out to dispute these transactions if I had authorized them to begin with.
Product: Debt collection

XXXX XXXX XXXX opened a credit card for XXXX XXXX Using my social security number ending in XXXX My legal name is XXXX XXXX XXXX of {$740.00} XXXX XXXX XXXX XXXX XXXX  Open account XX/XX/XXXX XX/XX/XXXX {$740.00} XX/XX/XXXX {$740.00} Individual account Comments : Placed for collection Contact Information : XXXX / XXXX. 
XXXX  RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX