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

This is my third and final attempt to resolve inaccuracies on my credit report. Despite my previous disputes submitted on XX/XX/XXXX & XX/XX/XXXX, your responses continue to demonstrate a blatant disregard for the Fair Credit Reporting Act ( FCRA ), specifically 609, 611, 617, and 618. 
Violations of the FCRA : 1. Section 609 : I requested documentation verifying the accuracy of the disputed items, including the original source of information. You have failed to provide any valid evidence or original documentation that substantiates these claims.

2. Section 611 : Your obligation to conduct a thorough and reasonable investigation of disputed information has not been met. The responses I have received are generic, incomplete, and fail to address the specific evidence I provided.

3. Section 617 : By failing to correct or properly investigate disputed inaccuracies, you have caused direct harm to my creditworthiness. This negligence is unacceptable.

4. Section 618 : Your continued failure to comply with the requirements of the FCRA constitutes willful noncompliance, which exposes you to legal liability for damages. 
To reiterate, the disputed accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Equifax Is saying my documents are fake cfpb i'll let them be the judge of that sent over hacking reports, police and ftc
Product: Debt collection

Midland Credit management stated they reputable company yet had violated a cease and desist order and continues to attempt to sue both for a fraudulent account and a debt that is not owed. In the previous CFPB Dispute they stated Cease and Desist on or about XX/XX/year>. Internal Legal advised no calls have been made to you on the account since XX/XX/year>. Yet Midland Credit Management ran unauthorized inquiries on my personal account for means of collecting information without my consent or knowing. They then used this information to file false claims in court even while cease and desists was present. Claims of being a reputable company are false as they have harassed me at my address in the past as well as continued to sue for a debt and legal fees they know are not owned
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, XXXX, and Equifax Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance {$6200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 I am very distressed with this matter. I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not recived a response yet. I did my own due diligence and I know the credit bureas have 30 days to reply back and they havent. I feel bullied by the bureaus by ignoring my disputes I took time to send them. Sectyion 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove promptly. Or I will file litigation due to the stress you cause me. My information was impacted by the XXXX data breach may have got into the hands of the wrong person. I am pleading for help at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for an online loan through tower loan on XX/XX/2018. I was told I was not approved for the amount requested ( XXXX ) but I did qualify for XXXX and could go into the loan office if I still wanted the loan. I signed my paperwork, received my loan funds and left on XX/XX/XXXX. 

Now, I show 2 credit inquiries for tower loan on the same date, XX/XX/2018. I have requested they remove 1 of the inquires as it was for the same loan, on the same day, with the same company. I did not apply for 2 loans. I did not authorize anyone to run my credit twice.The manager of the XXXX, AL branch called me this morning to let me know Towers home office and her supervisor XXXX are not going to remove either of the inquiries. Any finance company should not be allowed to run 2 hard inquiries on the same day for the same loan. I only have 1 loan and have only ever had 1 loan with Tower.  There should NOT be 2 Hard inquiries and I want 1 of them removed. It is on my XXXX XXXX. I have tried to handle through Tower to no avail. Please help.
Product: Debt collection

On XX/XX/2023, Franchise, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX gave my information to a Santander Bank , N. A., formerly XXXX XXXX  , subsidiary of the Spanish Santander XXXX XXXX XXXX. XXXX XXXXXXXX s/n, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I did not authorize, XXXX XXXX XXXX XXXX XXXX to give my information to any third parties. 

The answer service clearly states the phone number is registered on the Do Not Call List.

A violation of the Do Not Call ( DNC ) can be up to {$43000.00} per call - varying from {$100.00} up to {$25000.00} per call. Santander called me four times. I have a home in Texas however I am a California resident - not a Texas resident. Also, XXXX XXXX XXXX XXXX purposefully gave my information to Santander without my knowledge or permission.
Product: Credit reporting

XXXX XXXX to XXXX XXXX I was XXXX to XXXX XXXX with the XXXX XXXX under XXXX XXXX XXXX. During my XXXX a XXXX XXXX XXXX Bank credit card in XXXX, MD was activated in my name, and use without my knowledge, consent or authorization. I submitted a letter to the bank and a police report. The bank removed the information from my credit report. At a later date the credit card companies reinserted previously deleted information regarding this account. The amount was small {$250.00}. 
I had no knowledge of the transaction, The discrepancy is impacting my credit score. 
I want this report removed.
Product: Debt collection

I was In XXXX for over XXXX XXXX and got out and find out somebody try to get credit and loands under my name as fraud
Product: Student loan

I lost my job due to recession in 2010. My family had to move from XXXX to XXXX to start over, we even filed bankruptcy 2 years ago. I have went from owing Naviet {$30000.00} to now owing over {$60000.00} due to taking forbearance because of job loss. I would have rather paid smaller payments, but they did not give me that option. They have tacked on {$30000.00} in fees making it almost impossible to repay!
Product: Debt collection

15 U.S. Code 1681a - Definitions ; rules of construction 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The following information is information excluded from the definition of CR under FCRA : ( i ) Transaction or experience information including the customers account history with a company, the length of time a customer has held a credit card with the issuer, the number of times a consumer has been late in making payments on a credit card, and the average monthly balance in a consumer account ( LATE PAYMENTs reported on my Consumer Reports are ILLEGAL ) XXXX/XXXX  XXXX  is illegal reporting late payments
Product: Debt collection

North American Recovery keep calling me without identifying themselves. They were threating me. After I informed them that it was not my debt they failed to provide any paperwork within 5 days or prove their the ownership of the account.
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 trafficking. 


XXXX XXXX XXXX XXXX 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

In accordance with the fair credit reporting act : XXXX XXXXXXXX account # XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXXXXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX ; has violated my rights 15 U.S.C 1681 section 604A states I have the right to privacy.

15 U.S.C 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

On XX/XX/2022 I picked up a rental car at XXXX in XXXX XXXX that I had reserved through XXXX XXXX  XXXX. When I got to the XXXX XXXX counter the agent told me my credit card on file was expired, XXXX card ending in XXXX. I apologized and gave him my XXXX XXXX XXXX  ending in XXXX. The rental amount was {$340.00}. A few minutes later my husband called and had been contacted by XXXX XXXX regarding a charge from XXXX in Virginia for {$540.00}. He asked me if the charge was valid and I said I do not think so as it was for {$340.00} and I had to use XXXX XXXX XXXX. His response to XXXX was that the charge did not appear to be valid. XXXX was then going to close the account and open a new one. A new credit card was received from XXXX in just a few days. 
I returned the rental car to XXXX in XXXX XXXX on XX/XX/2022. We never heard anything from XXXX until a letter from Viking Client Services, a collection agency, was received in the mail XX/XX/2022. The letter was notifying me that they were trying to collect a debt to XXXX XXXX XXXX. I immediately phoned Viking Client Services and spoke to XXXX XXXX and said it was sent to collection for reason # XXXX. She did not know what that code meant. I told her that this obviously was an error on and I would contact XXXX and XXXX XXXX XXXX. 
XXXX told me there was a transmission but since we had told XXXX that the Virginia location and amount of {$540.00} did not match my XXXX XXXX rental amount of # XXXX the transmission was declined. She suggested calling XXXX to explain the situation and XXXX would gladly transmit the amount owed immediately if we authorized it. I spoke to both billing and claims on XX/XX/2022 and XX/XX/2022 and neither department would work with me. I asked why I was not contacted regarding the matter and why they did not use the XXXX XXXX I gave the agent at XXXX in XXXX XXXX. No one had an answer for me and also proceeded to tell me that I was on the Do Not Rent list for both XXXX and XXXX. Lastly, I also asked what the collection reason code # XXXX was and they wanted to know where I got that information and then told me that was an internal confidential code that they could not share with me. This was clearly a mistake made by XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I was a victim of the Equifax data breach. I want these Items Deleted from my credit reports. 

XXXX. XXXX XXXX Bank Account # XXXX XXXX XXXX XXXX. XXXX Bank Account # XXXX XXXX. XXXX XXXX Bank # XXXX XXXX XXXX XXXX. XXXX Account # XXXX XXXX XXXX I received Confirmation from Equifax. " Based on the information you provided, our recors indicate your personal information was impactedby this incident. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Consider this complaint as a follow-up to my previous complaint. My previous complaint contains disputed items that are erroneous and needed to be deleted as soon as feasible. 

Kindly remove these items from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Identity theft occurred, perpetrated by an individual potentially using the fictitious name XXXX XXXX. Over a span of several months, XXXX compromised my mail, gaining access to sensitive documents including credit card statements, bank statements, and photocopies of my IDs. Subsequently, she utilized my information to apply for multiple credit accounts, including bank accounts, credit cards, and payday loans, all without my knowledge or consent. Experian refused to remove this information under FCRA 605B. 

Specifics : Identity theft incident occurred in XXXX. 
XXXX XXXX resided at XXXX XXXX XXXX, XXXX, TN XXXX, during this time. 
The fraudulent XXXX  XXXX XXXX account listed on my credit profile has an opening date of XX/XX/XXXX. 
Confirmation of identity theft by both XXXX and XXXX regarding the XXXX  XXXX XXXX account. 
Demand for immediate removal of the fraudulent account from my credit report.
Product: Mortgage

My primary residence is in XXXX, and I have a mortgage loan with XXXX XXXX XXXX ( originally XXXX ) which is now serviced by Nationstar Mortgage. It is with Nationstar that I have problems with. I am a XXXX in XXXX, but I had a substantial drop of income as I lost a significant providers at the time. This caused me to be in delinquent with my mortgage loan. However, throughout the last year, I repeatedly contacted Nationstar to set up a payment plan. I even offered to pay $ XXXX per month until the loan was current. THEY REFUSED TO ACCEPT UNLESS THE ENTIRE $ XXXX WAS TENDERED. I had also offered them $ XXXX cash now and the rest on a 6 months payment plan, which they also refused. They filed a Notice of Default on XXXX XXXX, 2015, and the XXXX day is around the corner. They had me applied for a loan modification, but I still have no idea with the status is at the present. The reality is if this continues I will be forced to file a Chapter XXXX bankruptcy to prevent my house from being foreclosed. And once that is in place, Nationstar will get much less than what I am offer. This will also ruin my records and business. Therefore, I solicit the help from your office to see if there is anything your office can assist to get Nationstar to act rationally to all. Thank you.
Product: Debt collection

I ( XXXX XXXX ) never signed the lease as a ( Tenant ) with XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX? Now my credit profile has been damaged and we have made several attempts to remove this error that has been affecting my livelihood and ability to secure my own home/apartment. My parents ( XXXX & XXXX XXXX ) have also disputed this same error several times as they have only signed lease with XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, even then ( XXXX ) I was only listed as ( Occupant ) and never signed any documents. With their permission I will attach their leases and correspondence from my parents in their efforts to have this issue resolved. My parents hired lawyers, credit repair companies and also submitted disputes to all bureaus nothing has changed.
Product: Debt collection

Now I receive the attached correspondence and they state there is an unauthorized third party. They do not have the right to illegally harrass me with phone calls, text messages emails after telling them to stop. If they wish to mail me something from time to time that is one thing. But not the rest. Stop emailing me. This is your formal notice. nothing more is required by law. Moreover, I have kept a spreadhsheet and documentation of every form of correspondence you have utilized that is in violation of the state and federal laws and i am prepared to use it for sake of Citi being penalized by the court. Do not play with me!
Product: Credit reporting, credit repair services, or other personal consumer reports

Lending Club ; various amounts ; Reported XX/XX/2020 ; showing late payments while under forbearance for two accounts. 
See attached report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of 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 accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the account : XXXX XXXXXXXX. Please remove this account immediately.
Product: Credit reporting or other personal consumer reports

On the dates of XX/XX/XXXX, and XX/XX/XXXX, I reached out to the agency through certified mail, informing them that I had been subjected to identity theft. Yet, as of XX/XX/XXXX, the agency persists in including the fraudulent information in their reports. Under Section 605B, which covers the Blocking of Information Resulting From Identity Theft, it is mandated that consumer reporting agencies alert the entities providing the information, such as banks, that the details might stem from an instance of identity theft, corroborated by an identity theft report. I supplied them with the FTC report number XXXX, along with a requested block on the disputed information. Following such notification, Section 623 ( a ) ( 6 ) obligates the providers of this information to cease the reporting of any details in a consumer 's file that the consumer flags as resulting from identity theft. This action should be taken no more than 4 business days following the receipt of ( 1 ) proper verification of the consumer 's identity ; ( 2 ) a duplicate of the identity theft report ; ( 3 ) consumer indication of the specific information in question; and ( 4 ) a declaration from the consumer that the disputed information does not pertain to any transactions initiated by them. 
I have fulfilled all four of these stipulations, and documentation supporting this claim will be appended to my complaint. Currently, the agency has not adhered to the Federal Credit Reporting Act ( FCRA ) 15 U.S. Code 1681c2, which obligates the blockage of any information in my file that I have pinpointed as deriving from identity theft within 4 business days of them receiving such notice. This neglect constitutes a breach of law and renders the agency civilly liable for willful non-compliance, with me entitled to any actual damages incurred as a consequence of this oversight, as per 15 U.S. Code 1681n.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report The Credit Bureaus stated accounts ; XXXX date : XXXX XXXX & XXXX, 2021 ; XXXXXXXX XXXX XXXX date : XX/XX/2021, and XXXX XXXX date : XXXX XXXX, 2021 were properly investigated but how is that possible if these account only report on one credit bureau? This is clearly inaccurate which means it is grounds for removal. They also violated my rights under 15 U.S.C. 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

I have not given these accounts written permission to furnish these accounts on my credit report.
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 XXXX has me at a score around XXXX. 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 severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

Dear TransUnion I see that you verified the account listed below : XXXX | XX/XX/XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXXXXXX XXXX | XX/XX/XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX | XX/XX/XXXXXXXX  : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX | XX/XX/XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.