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

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX Balance Owed : {$31000.00} XXXX XXXX XXXXXXXX Balance Owed : {$1400.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2700.00}
Product: Mortgage

On XXXX I requested a payoff of my loan, and to my surpize they are charging me between XXXX to XXXX XXXX dollars more interest than I owe. I have made all payments on time ( XXXX & XXXX ) it appears that they are trying to stop me for some reason.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because Experian has failed to properly investigate and verify accounts that i have disputed as inaccurate on my credit report. Despite providing detailed information and evidence to support my disputes, Experian continues to report inaccurate information without demonstrating that the information has been thoroughly reviewed or verified as required under the Fair Credit Reporting - Act ( FCRA ), 15 U.S.C. 1681i. 
Experian 's failure to comply with the FCRA is causing me significant harm, as these inaccuracies are negatively impacting my credit profile and financial well-being. Specifically : Experian has failed to notify me of the methods used to verify the disputed accounts. com Experian has not provided any proof from the furnishers of the disputed information to confirm its accuracy. 
My disputes have been dismissed without proper reinvestigation, as required by law.
Product: Debt collection

Transworld Systems Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account : XXXX To whom it may concern : I received a statement for a XXXX account associated with my name of XXXX XXXX. I believe this account is associated with my grandmother XXXX XXXX with a previous address of XXXX XXXX XXXX XXXXXXXX XXXX XXXX I do not have XXXX and never have had an account with XXXX. My grandmother and father had an account about 2 years ago with XXXX, but my father passed away XXXX XXXX XXXX and my grandmother is in a XXXX XXXX XXXX XXXX located in XXXX XXXX 

I have received multiple statements for this bill of {$3000.00} and this is likely linked to my grandmother with a social ending in XXXX. I have no clue about this bill and do not have an address of XXXX XXXX XXXX XXXX XXXX XXXX as this was my XXXX previous address. 

Like I stated she is in a XXXXXXXX XXXXe and does not know anyone or anything due to the multiple illnesses that she has. She is a XXXX XXXX XXXX XXXX XXXX XXXX I am asking to have proof of signatures of my grandmother ( XXXX XXXX XXXX or of mine XXXX XXXX from XXXX showing we signed up for an account of something with XXXX. I have always had XXXX XXXX XXXX but know that my grandmother had XXXX at some point. I am not liable or responsible for this bill or statement. 

I would like signatures from this account showing that we signed an agreement. If you can not provide this information, please close this account as for myself this is invalid, and my grandmother can not pay this bill as her XXXX XXXX goes to paying the XXXX XXXX 

The company website will not allow me to submit a dispute and I tried many ways online as they state in the letter. No option to select dispute reason and can not type enough information to explain anything to this company. Please see attached screenshots. 

Please respond within 30 days or remove my name from this account. You contact me at XXXX or XXXX XXXX XXXX XXXX XXXX XXXX 

Thank you for your time and please review. 

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

I checked my credit report last month around XX/XX/2021 and i saw this fraudulent account on my profile being reported by Transunion and XXXX. It is the first time i seen these accounts. I've never received any information from the company or the collector XXXX XXXX XXXX so i don't know whats going on. This account is not mine i've tried disputing and calling the credit repair companies and i also sent letters to the debt collection company. It is extremely hard to get someone on the phone through the system it is very confusing and time consuming. They are violating my rights by reporting this false information. 15 united states code 1681 ( a ) ( 1 ) says they must report accurate information. It has been more than 30 days and all they say is that the information is verified. How, they haven't sent me one document showing that it is mine. I'm so confused how they can just violate the law like this and destroy my credit score and not be held accountable. I do know Fair Credit Reporting Act laws protect me from this type of stuf. 15 United States Code 1681n ( a ) ( 1 ) says any actual damages like the stress plus up to {$1000.00} per violation. I need this stuff deleted our i will have to excercise my rights.
Product: Credit card or prepaid card

I've been gainfully unemployed for 4 months now ... I've been keeping my bill current with side work/gigs here & there but have run into issues. However, it's been a HUGE issue to call and speak to customer service given they're overseas and are not quite understanding of American economy and living ... Along with the language barrier. I am asking for 2 things : ( a ) Forbearance for 60 days to protect my credit rating.. ( b ) I've asked several times for a credit increase to {$1500.00} which would allow me to pay the minimum and stretch out this employment wait ... The current balance does not allow me any wiggle room to kick cans around, pay financing charges until circumstance change.. Essentially there is no room for a pseudo personal loan during hard times.. What if I was in the Carolinas right now and needed extra $ $ IMMEDIATELY??
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Experian credit bureau was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am writing to dispute the erroneous reporting of XXXX accounts on my credit report, which violates both the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance guidelines. The inconsistencies and inaccuracies found across Experian, XXXX, and XXXX data fail to meet the required standards for accurate and verifiable reporting. Please review the violations below and update the records accordingly. Any failure to correct these inaccuracies will be deemed as willful noncompliance and grounds for further legal action. 
XXXX. XXXX XXXX Account ( Account Number : XXXX ) Inconsistent Payment Status : Each bureau reports a " Late 30 Days '' status, along with a history of lates, yet lacks standardization across comments and documentation. Please substantiate or remove this reporting. 
XXXX XXXX XXXX : The high credit is reported as {$300000.00}. I request verification of this figure as it appears outdated and not reflective of accurate reporting. 
Discrepant Last Payment Dates : Experian and XXXX report XX/XX/XXXX, while XXXX XXXX XX/XX/XXXX, violating XXXX XXXX requirements for uniformity. Align or correct this data. 
Inconsistent Reporting Dates : XXXX reported dates varyExperian ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and XXXX ( XX/XX/XXXX ). Such discrepancies undermine the reliability of this data. 
Terms ( Months ) : Experian and XXXX report 588 months, while XXXX lists 0 months, which is implausible. Please correct to ensure compliance with XXXX XXXX formatting. 
Non-Uniform Comments Section : Equifaxs inclusion of " Real Estate Mortgage, Conventional Mortgage '' without corresponding comments in Experian and XXXX indicates incomplete data submission, which does not meet compliance standards. 
XXXX. XXXXXXXX XXXX Account ( Account Number : XXXX ) Contradictory Account Status : Experian and XXXX report this account as " Paid, '' while XXXX lists it as " Closed. '' I request immediate clarification and alignment across all bureaus. 
Inconsistent Last Reported Dates : The dates last reported are different on each bureau : Experian ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and XXXX ( XX/XX/XXXX ). Such inconsistency reflects noncompliance with XXXX XXXX reporting standards. 
Opening Date Discrepancies : The dates differ across bureaus for this account, which must be uniform and verifiable. 
Late Payment Status Variance : TransUnions report of a " 30 Days Late '' payment contradicts the clear Current status reflected by other bureaus, which should not stand if unsubstantiated.
Product: Debt collection

I would like them to validate this debt by sending a copy of the original contract, b bearing my signature to that I actually signed for this debt and a copy of the payment history from the original creditors, the name and address of the creditor and I want proof you own or were assign his debt to collections because this company has not provided any documentation of proof of this alleged debt. Please delete all my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS 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

On XX/XX/XXXX I filed an identity theft report with the FTC and immediately put a Fraud Alert out on my credit report. I further went to my local Police department to report the theft and sent in the needed documents to XXXX & Equifax. XXXX already had an ongoing investigation therefore I did not sent the documents out hoping they would be finished with their investigation soon enough. 

Equifax received the identity theft documents on XX/XX/XXXX. I got an email on XX/XX/XXXX that's they have received my dispute and they will have an answer for me within 30 days. I did not send in a traditional dispute letter. I sent in an identity thefy report from the FTC, a local police department report number, copy of my Credit report with the accounts circled with proof of identity and a copy of the FCRA. 

Why if this being treated as a traditional dispute when I have spoken to the FTC and that the agency must block information on my credit report related to identity theft within 4 Business days.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX 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 that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX : {$870.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00}
Product: Credit reporting

It appears that someone has been using my Social Security number to take out a home mortgage and other activities since 2011.
Product: Vehicle loan or lease

Autonation XXXX XXXX XXXX XXXX XXXX XXXX, FL Auto loan application- denial of credit application after several approval and lied that I was not approved and also discriminated about my income and bank statement submitted to them, was approved by Autonation  but the dealership refused to grant the sales making false claims and false information that I do have a total lost on my credit report which is not true and serval discrimination statement about my credit and income. I went to the store on XX/XX/year> to the store to report the ongoing situation to the store manager but he also did the same thing kept lying and making false statements so I left politely to another autonation  store but when I got there the car price was increased. 

Date of incident- XX/XX/year> to XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$390.00} XXXX XXXX XXXXXXXX Balance : {$670.00} XXXX  XXXX Balance : {$390.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance XXXX {$3000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2700.00} XXXX XXXX ( Original Creditor : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 ) also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

The people listed on the account never signed a lease with this company and was not XXXX XXXX XXXX at the time of signed lease. That is false statement written. Under the doctrine of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt nor therefore any such debt in fact exists. Pursuant to 18 USC 8 I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681 B2 company has no permission to report my information per 15 USC 16 814.
Product: Debt collection

On XXXX was served court papers by DBL Law for medical debt owed to XXXX XXXX, in the amount of XXXX Contacted DBL law XXXX and was advised the amount was for service on XX/XX/17 for XXXX XXXX and XXXX XXXX and that the minimum I could pay in order to settle the debt was XXXX per month. 

I advised the lady I spoke with that this was rather confusing because I had been making payments directly to XXXX XXXX totaling XXXX per month The representative at DBL law stated there was no indication any payments had been made and that she would contact XXXX XXXX and confirm XXXX she called me back and advised that yes I had made payments totaling XXXX cents and that the amount I still owed was XXXX but that they also wanted me to pay court costs on top of that totaling XXXX I should not be held financially responsible and asked to pay court costs due to the complete lack of communication from dbl law and XXXX XXXX when clearly when I got served on XXXX more than half of the debt had been paid. 

I have called DBL law 10+ and took a week to receive a call back. I paid the court costs in order to avoid having to deal with the unethical business practices of both XXXX XXXX and dbl law but would like the court costs to be refunded.
Product: Credit reporting, credit repair services, or other personal consumer reports

RETALIATION by EQUIFAX against consumer file and financial reporting systems through XXXX, XXXX, a wholly-owned EQUIFAX subsidiary XXXX XXXX XXXX XXXX 

XXXX XXXX, is a wholly-owned subsidiary of Equifax as an Equifax XXXX XXXX XXXX company incorporated under the laws of the State of Georgia, as established notably in XX/XX/XXXX, by Equifax. 

On XX/XX/XXXX, XXXX XXXX, filed an immediate ADVERSE ACTION of financial services against the consumer stated herein to this complaint, without sufficient cause, credible or proper reason, notice, or any justification and/or explanation for such cause resulting in distress, humiliation and violation to the consumers rights and social standing. 

The consumer attempted to resolve the issue immediately by phone as stated according to the ADVERSE ACTION NOTICE received, however, NO SUCH REMEDY for the ADVERSE ACTION was available to the consumer by phone. 

So, immediately following the call, the consumer again, requested a copy of the credit report by fax, for any and/or all account information on file that XXXX XXXX XXXX an EQUIFAX subsidiary would have. 

Since reporting EQUIFAX abuses of the consumers credit report and account, following repeated unauthorized release of the consumers information, unfair score and reporting practices and violations, various undisclosed and inaccuracies are continuing to be exercised against the consumers financial records, accounts, reports and reporting services both by XXXX XXXX, and EQUIFAX which is resulting in undue distress and continuation of unnecessary violations of CFPB guidelines.
Product: Debt collection

This incident occurred in 2019 when my father suddenly passed and I was forced to take over his house so my siblings wouldn't lose the roof over their head, XXXX XXXX, the apartment complex that changed owners as I was leaving, had made an agreement with me that they would let me break my lease without having to worry about any additional fees given my situation. They took my deposit and that was that. 3 years later this collection company claims I owe them {$2400.00} and that if I don't pay it they will put it on my credit score, I asked for proof of all of this and a breakdown and it was never sent. I get phone calls almost every day or every other day from them about this debt and I've tried to get this resolved without any momentum
Product: Debt collection

I am disputing the collections balance of {$1400.00} under Midland Credit Management , Inc. MCM Account Number XXXX. Midland 's letter states the original creditor was XXXX , XXXX . The XXXX  XXXX  Consumer Account Number XXXX, however, I personally contacted XXXX XXXX  and XXXX XXXX and they stated they did not recognize the account numbers provided by Midland. This balance is a result of identity theft. I have reports from credit agencies with proof of multiple addresses, credit cards, and intents to use my identity to sign up for services, which can be provided to CFPB upon request. I have made multiple attempts to contact the Midland to obtain more information, such as purchase receipt, but they have been unwilling to provide it. Any time I call Midland, they are threatening and unwilling to provide further information unless I provide personal information, such as SSN and payment information, which is not recommended. I sent Midland, their lawyers XXXX XXXX  XXXX XXXX XXXX XXXX, and credit agencies an FTC Report via certified mail indicating I am an identify theft victim and requesting them to remove the balance. The FTC Report Number is XXXX. I obtained confirmation from USPS that it was received and signed by Midland, XXXX and the credit agencies, yet both Midland and XXXX mailed my letter back days later. I have attached the signature confirmations from all companies and dates in which they were received. I also have copies of the signatures which I may provide if requested. To this day, I have not received any response from them regarding the FTC Report I shared.
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX XXXX and i am creating this complaint distraught because of an unauthorized late payment being reported to my credit profile. I recently pulled my credit report and i noticed a late payment ( 30 days late ) which is not possible because i am always XXXX AUTO PAY. And i also closed this account with good standing. This delinquent payment is hurting my score and dropped my score XXXX points and is hindering my report. I am trying to get a car for XXXX and this is hurting me. I have XXXX  % payment history for years before this inaccuracy. I have tried to speak to the creditor and issuer and nobody is willing to help me. Transunion keeps me on hold for hours and hang up on me. I need help. PLEASE i need help with this late payment on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple hard inquiries on my Experian report that I have no knowledge of and did not authorize any of these inquiries.
Product: Credit reporting or other personal consumer reports

Speaking with XXXX XXXXSupervisor of Credit Fraud Department at XXXX whom promise accounts would be updated and removed from credit report. She admitted information was wrong and still stated the issue would taken care of. Reporting wrong information and not the full faith and credit is discrimation to me under 15 USC 1602.

The CFPBs actions to secure a {$24.00} XXXXXXXX payout for illegal debt collection practices demonstrate its robust role in enforcing consumer protection laws. Through rigorous investigation, legal action, and settlements, the CFPB seeks to remedy violations, deter future misconduct, and ensure that consumers are treated fairly and lawfully.
Product: Debt collection

I had a contract with XXXX back 2013 and quit the contract 2013 and paid off all my debt, ever since then i never had anything again to do with XXXX, only for me to see this year a collection agent sent me a note of debt from XXXX, then am preparing for deployment which i am now on deployment, the collectors threatened to report it to credit report, as i check my credit report i notice a negative report from the collectors about a debt with XXXX. I never knew this collectors and am not owing XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX DOB : XXXX Here are the requested documents to remove my credit freeze so I can reset my XXXX  account and take care of my financial business.