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

I am writing to formally dispute a recent decrease in my credit score by XXXX points, which I noticed on my latest credit report. This sudden drop is perplexing and concerning, as I have consistently made all my payments on time with all my creditors. 

To provide some context, my payment history has been impeccable, with no missed or late payments. I regularly monitor my credit report and ensure that all financial obligations are met promptly. Given this diligence, the recent decline in my credit score is both unexpected and unjustified.

I kindly request a thorough investigation into this matter to identify and rectify any errors that may have caused this decrease. Please provide a detailed explanation for this change and take the necessary steps to correct my credit score if an error is found. 

Enclosed are copies of my recent credit report and payment records for your reference. I appreciate your prompt attention to this issue and look forward to a swift resolution. 

Thank you for your cooperation. 

Sincerely,
Product: Debt collection

This Company continues to report this account on my Credit file. i have disputed this over and over again, and this Agency continues to violate my FCRA rights by continuing to report this debt that never belonged to me. i have gone ahead and forwarded the necessary evidences of their violations of the FCRA to the Maryland State Attorneys office and will be taking legal actions if this account is not deleted off my credit report in the next 5 days from the receipt of this dispute. I employ CFPB to look extensively at this Company 's violation of the FCRA and to further investigate the operation efficiency of this company in complying with all FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an account on my Equifax report from XXXX that was reported as opened as of 2016 as incorrect/not mine. The investigation came back as belonging to me from XXXX but the dates are all wrong. This should be off as it is very old.
Product: Checking or savings account

I opened an account online and then I received a letter stating my account was being closed because of the closure of a previous Wells Fargo Account.The account they are referencing was fraudulently opened by Wells Fargo and they acknowledged this by removing the account from my credit report. 

Wells Fargo assisted in Fraudulently opening account ( s ) in my name. They were aware this was wrong and they allowed it to happen anyway. Once I learned about it, I jumped through the hoops placed in front of me by Wells Fargo. Did what was expected of me to resolve the issue that Wells Fargo created. Now I am being punished by not being allowed to have an account simply because I notified regulators and this bank is using retaliatory measures against me.
Product: Mortgage

My husband XXXX XXXX was going through some health issues which resulted in 4 months behind on the mortgage payments. On XX/XX/XXXX my brother-in-law XXXX XXXX, contacted XXXX XXXX to pay all the late mortgage bills which he was given a total of {$4100.00} XXXX Confirmation # XXXX XXXX. My brother-in-law insisted that he wanted to pay all the late mortgage payments until XXXX XXXX ; allowing my husband and I to begin making payments onXX/XX/XXXX Whoever spoke with my brother-in-law from loss mitigation department advised him that " she '' will cancel the transaction and the new total was {$5100.00}. The amount of {$510000.00} was paid onXX/XX/XXXXat XXXX ( Confirmation # XXXX XXXX. A week later my husband and I began to receive daily phone calls from Home Bridge. I attempted to return the call 3 times ; however, I was left holding on the line for over 20minutes and no one would speak with me. I didn't really think it was anything bad or to worry about because I knew we were caught on the mortgage untiXX/XX/XXXX Tonight,XX/XX/XXXXI logged into my account and learned that I was covered until XX/XX/XXXXand not XX/XX/ as requested. I don't have issues paying the bill, but I have a huge issue with the employee that did not perform the job well and my husband and I will be suffering the consequences.
Product: Debt collection

I have written 3 Notices to validate the debt to no avail. This company has erroneously added negative data to my credit reports w/o my consent or knowledge ... 
I HAVE ATTACHED A COPY OF THE REQUEST FOR VALIDATION ...
Product: Credit reporting, credit repair services, or other personal consumer reports

The remaining balance with Exeter finance was written off in XX/XX/2018. This company has illegally reported late payments and an open account to XX/XX/XXXX and XX/XX/XXXX twice since XXXX. On XX/XX/XXXX my credit score dropped 20 pts. On XX/XX/XXXX my score dropped another 17 points when they unlawfully reported a late payment on a closed account and the account was re-opened. I will Sue this company and the credit bureaus if this account is not removed from my credit reports under the FCRA. There can not be new missed payments on a 3.5 year old charged off account causing my score to plummet. I have attached documents showing their illegal procedures.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a XXXX XXXX credit card account open in my credit report that does not belong to me. I disputed it with XXXX and transunion but it is still showing in my account as closed but with a balance. This should be removed completely. Address in Georgia is not mine either and some inquiries. 
I can not speak to anyone from premier by phone because an automated recording answers asking for my credit card information which I dont have because I have no access to this credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry on my trans union credit report from XXXX XXXX onXX/XX/XXXX, I never authorized this. There is a hard inquiry from XXXX onXX/XX/XXXX and on XX/XX/XXXX. These are instances of Fraud as I never authorized any of these inquiries.
Product: Debt collection

I have a debt collection on my credit report for two years i put multiple disputes in for it and still got no where. I called XXXX XXXX who told me i dont owe western union and sent me a letter to have it taken off and i dont owe them please take off my credit report asap. Case number is XXXX for the dispute i put in may that is still open and its XXXX.
Product: Credit card

I had a Fidelity XXXX issued by XXXX XXXX XXXX. It was closed out with a balance XX/XX/XXXX. I was making payments faithfully since then. Fidelity then closed out their agreement with XXXX XXXX XXXX XX/XX/XXXX. I received no notice of this. 
The account was sold to Elan Financial Services XX/XX/XXXX. They claim to have called me repeatedly regarding the overdue amount, but my cell phone records indicate no such calls or voice mails received. I also never received any letters from them stating they would report me as delinquent to the credit bureaus. 
As of today, a " 60 day past due '' indicator showed up on all XXXX credit reports. In violation of the FRCA, I was never notified of any past due amount, nor their intent to report the deliquency to the bureaus. 
I travel for a living and need to be able to rent cars. While I know you can use a debit card for this purpose, it 's harder.
Product: Mortgage

I have been trying to fight Wells Fargo to resolve this issue to fix my mortgage and to save my house. Every time I try to get an adjustment from the bank they decline it every time. I went into bankruptcy so that they can stop trying to sell the house while I try to save it. I 'm doing everything I can to save my house. Payments are being made and I 'm requesting adjustments every time I can even if they decline everyone. I ca n't sleep because of this issue, they just do n't want to do anything to help me. They just want to sell my home without trying to help me resolve this issue.
Product: Credit reporting or other personal consumer reports

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 telephone account opened XXXX on XX/XX/year> thats now under the account XXXX XXXX XXXX for the amount of {$5000.00}, an apartment lease account at XXXX  XXXX opened on XX/XX/year> thats now under the account XXXX XXXX XXXX for the amount of {$710.00}. Additionally, the hard inquiries from, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX listed on my credit report need to be removed. Furthermore, the names XXXX XXXX XXXX and XXXX XXXX listed on my credit report need to be removed because those names do not belong to me. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX XXXXXXXX. XXXX sent me forms to complete. During this time, my account was in administrative forbearance. However, XXXX XXXX reported late payments in XXXX, XXXX and XXXX. 

Most recently in XXXX, when my account entered repayment without my knowledge, they send the notice by USPS to an OLD address. My address has been updated by email and phone on three occasions in XXXX and XXXX. When XXXX was made aware, they instructed me to dispute with credit bureaus rather than fixing it themselves. When I disputed through credit bureaus, they refused to fix their error despite my credit report even showing the updated address. 

Moreover, the terms of the loan state that as a resident of Maine, I was eligible for loan discharge due to XXXX XXXX XXXX proven by the form they required my doctor to complete. Yet, they continue to deny, delay and refuse to fix my credit report which caused me to lose a mortgage and reduced credit rating. 

XXXX continues to deny my discharge and is punitive with reporting. I need help.
Product: Debt collection

Starting XX/XX/2022 a collection account in my name was opened with Collections USA without my consent or wet signature in the amount of {$7400.00}. I have no knowledge of obligation to this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX EQUIFAX XXXX. XXXX XXXX XXXX, GA XXXX To : Whom It May concern : I am writing to dispute a fraudulent charge on my account of {$6000.00}, {$9400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -ACCOUNTS- 1. XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$9400.00} -This is not my account.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, out of desperation, I foolishly turned to a predatory payday loan lender. I borrowed {$500.00} and did not fully understand the ramifications. I made my first payment on XX/XX/XXXX in the amount of {$130.00}. Despite having paid {$130.00}, my online account shows I still owe {$560.00} on a {$500.00} loan. This is outrageous! If I pay another {$560.00}, I will end up paying {$700.00} on a {$500.00} loan. That is {$200.00} in interest. 40 % interest!!!!! This is predatory and greedy. There is no where on the website to view any loan documents which is deceitful and misleading. This must be illegal!!!!! 
Since I have paid {$130.00} on a {$500.00} loan, my balance due without interest is {$360.00}. In South Carolina, payday loans can only charge {$15.00} per {$75.00} borrowed. Since that is my state of residence, I should only have to pay {$75.00} in fees. I should have a balance remaining of {$430.00} NOT {$560.00}. 
Since XXXX XXXX XXXX has not been transparent in its information and is a greedy, predatory payday loan lender, I now want to reach a settlement to pay off the {$430.00}. I will pay the following : {$50.00} paid on XX/XX/XXXX {$50.00} paid on XX/XX/XXXX {$50.00} paid on XX/XX/XXXX {$50.00} paid on XX/XX/XXXX {$50.00} paid on XX/XX/XXXX {$50.00} paid on XX/XX/XXXX {$50.00} paid on XX/XX/XXXX {$50.00} paid on XX/XX/XXXX {$39.00} on XX/XX/XXXX I will make my  payments via check mailed to XXXX XXXX XXXX. I have revoked XXXX 's authority to automatically take money from my checking account.
Product: Vehicle loan or lease

My car was repossessed on XX/XX/2022 as of today never received letter that they repossessed my car SANTANDER CONSUMER USA reporting, books and records and internal accounting are all Fraud and grossly misrepresentation not telling all facts to this issued but they continue to accept my monthly payment and steal my car unlawful enrichment of Proceeds by selling my property. 
SANTANDER CONSUMER USA, TAX FRAUD, CONSPIRACY, DISCEPTION, they cancel debt receive tax credit from the Internal Revenue Service but failed to reported to Internal Revenue Service or never notified me but continue to accept my payments and steal my vehicle.
Product: Credit reporting or other personal consumer reports

I am writing to report unauthorized hard inquiries on my credit report, which have adversely affected my credit score. I have previously disputed these inquiries with the credit bureau, as they were not authorized by me ; however, I've been getting the runaround. 

Attached is the letter I sent to the credit bureau disputing these inquiries. I am seeking the removal of these unauthorized hard inquiries from my credit report. I also request assistance in contacting the credit bureau to expedite the resolution of this issue. 

Below you will find the unauthorized inquires : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX BANK XXXX XX/XX/XXXX
Product: Vehicle loan or lease

I just bought a Honda XXXX XXXX last night with Honda of XXXX, and while I was working with XXXX the loan manager, he told me that I had no other options but finance directly through Honda. I also needed to put at least {$6000.00} down. That was my ONLY option. Come to find out, he lied and never looked around at any other places because my bank had pre-approved me for a car at a better rate and term. I went to the dealership today and they are saying that they did make the mistake of not finding the best option and telling me that I only had ONE option. I have a recording of it, and now I am filing a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX  XXXX  to get tv service. While I was trying to set things up, I was told that there had already been an account open under my name and that it had an outstanding balance due. I explained to them how incorrect that information was, but they told me that there was nothing they can do. My identity has been compromised and I decided to get my report pulled to see what was happening. I found several unknown accounts that do not belong to me. Please get these fraudulent accounts off my report. DEPTEDXXXX XXXX {$10000.00} DEPTEDXXXX XXXX {$3200.00} DEPTEDXXXXXXXX {$1700.00} XXXX   XXXX {$4500.00} XXXX XXXX {$4500.00} XXXX {$4000.00} XXXX   XXXX {$4500.00} XXXX XXXX  XXXX {$1500.00} XXXX XXXX XXXX {$8300.00} XXXX XXXX $ XXXX XXXX $ XXXX XXXX XXXX {$240000.00} XXXX   XXXX {$3500.00} XXXX XXXX {$27000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

EQUIFAX - Fraudulent INQUIRIES XXXX XXXX XXXX  Date of inquiry XX/XX/2021 Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below are not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening. Hoping that you could help me out. 

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

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax, and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX Balance : {$19000.00} XXXX  XXXX Balance : {$20000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

No response was being sent to my mail despite of several dispute letters I sent to the credit bureaus. Please see list of accounts I disputed to them : XXXX XXXX | US DEPT ED Account # : XXXX | XXXX Account XXXX : XXXX | XXXX Account # : XXXX | XXXX XXXX Account # : XXXX | XXXX XXXX XXXXXXXX Account # : XXXX | XXXX XXXX XXXX Account # : XXXX | XXXX Account # : XXXX | XXXX  Account # : XXXX & XXXX
Product: Payday loan, title loan, or personal loan

I hated when you have go through the whole application and get nothing at the end but a hole lot of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report says there's 19 hard inquiries that i did not do 17 NOF THEM I ONLY APPLIED FOR 2 XXXX XXXX XXXX XXXX I contacted them XX/XX/XXXXTRANS UNION & THE CREDITERS asking to send me a letter to confirm i never order service they said they will i never got them its still on my credit i'm trying to fix my credit i contacted XX/XX/XXXX XX/XX/XXXX & transunion only XX/XX/XXXX removed them theres a pay day loan i never got tried reaching out to them it wasn't successful please help me i paid services to help repair my credit cause i didnt know how to do it myself XXXX XX/XX/XXXX just got over i paid them for 2 years score worst then they removed items only there back on there
Product: Credit reporting, credit repair services, or other personal consumer reports

GRANT MERCANTILE AGE Original creditor : XXXX-XXXX  XXXX  Contact XXXX XXXX XXXX XXXX, CAXXXX ( XXXX ) XXXX Account Info Account number # # # # # # # # Collection opened XX/XX/XXXX Account type Collection Department / Agency / XXXX XXXX  on XX/XX/XXXX {$4100.00} Paid off : 0 % Original loan amount {$3100.00} Current Balance {$4100.00} Additional info Comments Account information disputed by consumer Your statements I have never heard of the XXXX  company or have ever been in an XXXX. 
I have never received a bill or any correspondence of any type from either original creditor : XXXX XXXX or collection agency GRANT MERCANTILE AGENCY. 

The first time I heard of either was when I checked my credit report.
Product: Credit reporting or other personal consumer reports

I have 4 collection agencies trying to collect a debt that I do not owe them, they have improperly used my credit report to stifle my financial endeavors causing me to not have access to vital assistance from other parties. I never signed into any agreement with these companies and the fact that trans union and XXXX is allowing access to these third party companies to damage XXXX citizens credit reports is insane. I have disputed these reports multiple times and ask for evidence that I have a signed agreement for the debt and have received nothing but a denied removal. 

This was the statement I put in my dispute : I have no knowledge of who this collection agency is as I have never entered into any agreement to work with them, could I please be provided with evidence stating that I have signed into any agreement with this company. 

I would also like to reference these codes 15 USC 1681b 15 USC 6802 18 USC 1028a