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

I disputed a duplicate account with XXXX and it came back updated. This account is listed twice by 2 different creditors. I disputed the old creditor first, as it was sold debt, they did not remove it. I disputed the new account and they are still reporting both debts. This is the same debt. They are also increasing the amount owed by a dollar regularly. The amount of the debt keeps increasing, which is leaving an incorrect balance on my report. I wish to have one of the accounts removed. 
XXXX XXXX is the new acct holder and is reporting a balance of XXXX, On my report under XXXX XXXX 's information, it shows that comenity/stage is the original creditor, which leads to comenity/stage as the duplicate entry, also reporting the same amount of XXXX, in which they wrote and sold the debt. the original amount owed on this account is XXXX, after payments were made in good faith to comenity in 2018. They then sold the debt for the amount owed before the payments posted and has been accruing interest (? ) ever since. 
The bureau did not actually investigate as the results came back in 3 days.
Product: Debt collection

This debt was disputed and deleted from my credit reports. This was disputed and removed in XX/XX/2019. Now in XX/XX/2019, the collection agency has put the deleted debt BACK on my report. This is over 5 months later, after being disputed and they did not/ could not verify the debt. I do know that according to the Fair Credit reporting Act, that a debt can not be put BACK on a credit report if there is no new action taken by myself or if Im not notified. This is illegal. I want this debt removed immediately.
Product: Debt collection

I reviewed my credit report and found my score dropped XXXX points because credence resource management reported false information on my report stating i had a cable bill from XX/XX/XXXX and as a open account i called spoke with member of management told was fraud and i need documents never got any proof of debit. I sent 4 emails to credance XX/XX/XXXX i recvived an email with an attachment i could not open my zip code did not work i sent an email right back informing credance of this. I recvied a response at XXXX my time on XX/XX/XXXX just to say they got my response. I sent more emails reguesting proof of debit i got two more emails XX/XX/XXXX @ XXXX and XX/XX/XXXX @ XXXX XXXX. As of today XX/XX/XXXX i still have not recived an proof of this debit
Product: Credit card or prepaid card

I the consumer XXXX usc XXXX ( a ) is on the do not call registry and avant- credit card services has continuously text me harassing me about a bill due, when all debt obligations are to the XXXX XXXX usc XXXX
Product: Credit reporting or other personal consumer reports

After several failed attempts to remove accounts with credit bureaus directly, I am writing to formally request the removal of several accounts from my credit report, as they have been inaccurately reported and are subject to the provisions outlined in the Fair Credit Reporting Act ( 15 USC 1681 ). 
The following accounts should be removed promptly : 1. XXXX XXXX XXXX - Account # : XXXX Amount : {$350.00} Reason for removal : Unauthorized access to personal information under the Fair Credit Reporting Act ( 15 USC 1681 ( b ) ( e ) ). 
2. XXXX XXXX - Account # : XXXX Amount : {$12000.00} Reason for removal : Unauthorized access to personal information under the Fair Credit Reporting Act ( 15 USC 1681 ( b ) ( e ) ). 
3. XXXX XXXX XXXX XXXX - Account # : XXXX Amount : {$1400.00} Reason for removal : Unauthorized access to personal information under the Fair Credit Reporting Act ( 15 USC 1681 ( b ) ( e ) ). 
4. XXXX XXXX XXXX - Account # : XXXX Amount : {$10000.00} Reason for removal : Unauthorized access to personal information under the Fair Credit Reporting Act ( 15 USC 1681 ( b ) ( e ) ).

5. XXXX XXXX XXXX - Account # : XXXX Amount : {$19000.00} Reason for removal : Account charged off and now recognized as taxable income. A XXXX can be provided upon request. 
According to the Fair Credit Reporting Act, these accounts must be accurately reported and verifiable. Due to unauthorized access and inaccurate reporting, I am requesting their immediate removal from my credit report. 
Enclosed with this letter are copies of relevant documentation supporting my claim, including evidence of unauthorized access and any other required documentation. 
Please investigate this matter promptly and inform me of the actions taken to rectify these inaccuracies. I appreciate your attention to this matter and look forward to your prompt response. 
Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tired to fix this with the credit bureau, but have not got any where with Experian, or XXXX, XXXX. I need help Getting through to these guys are like pulling teeth. 
I have also filed a Police Report Stating the fraud. IN ACCORDANCE WITH THE FAIR CREDIR REPORTER ACT CONVERSION THESE ACCOUNTS HAVE VIOLATED MY RIGHTS 15 USC 1681 SECTION 602 8 STATES I HAVE RIGHT TO PRIVACY15 USC 1681 SECTION 604 A SECTION 2. ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH YOUR ACCUNTS WITHOUT MY WRITTEN CONSENT. 
I HAVE BEEN DOING WITH PROBLEM SINCE I WAS A XXXX, IN XXXX MY REAL FATHER WAS USING MY SSN TO GET BUY DIFFERENT THING IN MY NAME BECAUSE I AM A XXXX. PLEASE HELP ME... THE CREDIT BUREAUS ARE NO HELP I EVEN TRIED TO PAY A CREDIT REPAIR COMPANY TO HELP BUT GOT NO WHERE!!!! 
PLEASE HELP ME GET THE ITEMS REMOVE FROM MY CREDIT REPORTS EXPERIAN : XXXX XXXX XXXX Account number XXXX Original creditor Account name XXXX XXXX XXXX Account number XXXX Original creditor Account nameXXXX XXXX  Account XXXX INQUIRES***** XXXX  XXXX XXXX Inquired on XX/XX/XXXX Business Type : Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, XXXX By mail only This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX Business Type : Bank Credit Cards XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX : Account nameXXXX XXXX XXXX Account numberXXXX  Account nameXXXX XXXX XXXX  Account XXXX Account nameXXXX XXXX XXXX Account XXXX Account nameXXXX XXXX XXXX Account numberXXXX Account nameXXXX XXXX Account numberXXXX Inquiries XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX Business Type : Auto Financing XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Sporting Goods Stores XXXX : Account nameXXXX XXXX Account numberXXXX Account nameXXXX XXXX Account numberXXXX Account nameXXXX XXXX XXXX Account numberXXXX Account nameXXXX  Account numberXXXX Account nameXXXX XXXX  Account numberXXXX  Account nameXXXX XXXX  Account numberXXXX Inquiries XXXX XXXX XXXX on XX/XX/XXXX Business Type : Finance, personal XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX Inquired on XXXX XXXX XXXX XXXX Business Type : Finance other than personal XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX
Product: Consumer Loan

Good afternoon. In XXXX 2015 I requested a skip payment on my auto loan from my lender. They obliged and told me to continue making payments the following month. The stop payment did not go into effect, subsequently causing my lender to publish a 30 day delinquency on my credit report. Since then I have requested my credit report be updated with no success for over 6 months. I have been reassured my issue was valid and they are sorry for my inconvenience and that it is being taken care of numerous times, as well as been told I would receive a call back and other general lip service to get me off the phone with no result. My credit report has since been updated by the bureaus themselves show that my account status is " pays as agreed '' but has not removed the erroneous 30 day delinquency in question. Further attempts with Pentagon Federal Credit Union have been fruitless, most recently starting the dispute process all over again with no guarantees or communication with anyone in the back office responsible for the previous disputes - I 'm only able to speak with front line representatives who place me on long holds while communicating information back and forth to the appropriate department. I 've had to pay out of pocket to obtain an updated credit report to fax over in order to begin the dispute process - otherwise face a hard pull inquiry on my report by Pentagon Federal Credit Union.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am submitting this CFPB complaint to delete the following fraudulent information from my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I have read that the Credit Bureaus are required to remove any account and information that resulted to identity theft. By submitting this complaint, I am looking forward for the removal of the disputed items completely from my Credit Report : XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  LA XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance {$6400.00} XXXXXXXX XXXX XXXX Balance - Date opened XX/XX/ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and 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 need to investigate and correct from erroneous reporting in my file are listed on my credit report : DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX
Product: Debt collection

I told them I have paid this debit off before I ever heard from Hunter Warfield.  XXXX took my money and I asked them to not contact my company again using robocalls. She told me that the calls will not stop and they will continue to call me as often as they like. I told her I would report them and before I finished my sentence so cut me off and laughing said go right ahead. I own a towing and recovery business and am fully trained in debit collections myself. I have studied and certified in these areas as directly relates to repossessions of assets. She said if I paid my debit after a certain date i still owe them. Which is completely illegal. If XXXX took my money the account was not charged off. Therefore another company can't collect the debit again.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX, TRANSUNION, XXXX concerning their handling of a fraudulent account ( XXXX  ) listed on my credit report. Despite my diligent efforts to resolve this issue through appropriate channels, including providing substantial documentary evidence, the bureau has failed to remove the fraudulent account. 

On XX/XX/year>, I discovered an unrecognized account on my credit report, which I immediately reported to XXXX, TRANSUNION, XXXX as fraudulent. Following the recommended procedure, I provided a police report, an FTC Identity Theft Report, and sent letters of dispute along with copies of my identification to ensure thorough verification. 

Regrettably, my efforts to rectify this issue have been met with inadequate responses from the credit bureau. Specifically, after their investigation, they informed me that the data furnisher had verified that the account belongs to me. However, no proof or detailed explanation has been provided to substantiate this claim, which directly contradicts the evidence I have submitted indicating identity theft. 

The presence of this fraudulent account has adversely affected my credit score and has potentially far-reaching implications for my financial health. It is imperative that this matter be resolved promptly and fairly, ensuring that all inaccuracies are corrected in accordance with the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked both Equifax, XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX  XXXX to correct the information on my report. This account has been paid off and I was promised a DELETION of this tradeline. The account was closed, then I paid this account off on XX/XX/2020. This account is still showing as an open balance on my Equifax report, and possibly all of my credit reports ( XXXX  and XXXX  )! The refusal for these companies to correct their reports has COST ME ALOT in higher interest fees when I have tried to apply for credit! will these 3 companies be paying back the financial damages they have caused my credit???? Or will they be deleting the tradelines of XXXX XXXX XXXX XXXX XXXX?

It is totally unfair that I should have to wait TEN MONTHS for the correction after I was promised it would only take 30 days!!!
Product: Debt collection

XX/XX/2015 {$2000.00} I provided collection company and all three credit bureaus with proof of identity theft an police report documentation in regards rlto criminal investigation with all fraudulent accounts listed in report. XXXX and XXXX removed account. But even after several attempts XXXX  has yet to comply with fair credit reporting act and continues to list fraudulent account in my credit report. I have ask for proof of there debt validation letter or supporting document but XXXX  has fail to furnish any documentation even thought they are claiming they verified.
Product: Mortgage

Recd correspondence from Mr. Cooper XX/XX/XXXX explaining events most importantly a payoff stmt they sent XX/XX/XXXX that I did not receive. The issues that are still presented are as follows : The XX/XX/XXXX statement I received for the balance of {$390.00} does not state that those funds needed to be paid with a wire transfer. 

I never received the XX/XX/XXXX payoff statement you mentioned which makes perfect sense now why you proceeded as you did. The only payoff statement I received was on XX/XX/XXXX which was dated XX/XX/XXXX. I never had the additional charges nor the method of payment instructions until XX/XX/XXXX. I cant pay something I dont know about, nor can I make payment by wire transfer if I dont know anything about that either. 

You have not addressed the {$390.00} Nationstar check that was returned to you. I have paid the {$390.00} twice and am expecting a refund. I still feel I was not liable for late fee nor the default status on my mortgage and resultant implications on my credit report. 

I would really appreciate these issues being addressed and corrected at your earliest convenience.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX/dept of ED XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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, 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
Product: Credit reporting

My credit score has drastically been reduced, because of information credit reporting agencies entered on my report based on disputed accounts. If certain acounts are being disputed and nothing finalized as to liability, how can they put such information on my credit? 
Credit reporting agencies have to clean up those disputed accounts from my report and straighten the records.
Product: Mortgage

For my XX/XX/2022 payment, I paid the previous due amount of {$1800.00} by XX/XX/XXXX. However, my bill amount had increased due to a change in ESCROW and the amount due was {$1900.00}. The company " held in suspence '' the money I sent in, then waited until the XXXX ( confirmed by their customer service ) to generate a letter to notify me of the issue, which was then mailed. They did not attempt to email me which is my preferred method on contact. I believe this was in an attempt to push me past the XXXX so that they could 1 ) charge me a late fee ( waived because I called ) and 2 ) increase the daily balance of my loan, therefore increase their interest collected. Fortunately for me, I believe I did receive the letter in time to bring the account current before any damage may be done to my credit report. However, given the intentional slow nature of their notifications. I believe there was intent to push my account late and possibly past due 30 days. This apparently happens regularly per my conversation with their customer support agent. They are also using the customers partial payments to earn interest and charging customers additional interest on payments made but not applied to their loans.
Product: Credit reporting or other personal consumer reports

I disputed items off my credit report through the Equifax bureau on XX/XX/2023 resulting in an amount of {$720.00} and it came back verified without proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Accounts name : XXXX XXXX XXXX opened XXXX XX/XX/2016, Account name : XXXX XXXX XXXX XXXX, Accounts name : XXXX XXXXXXXX XXXX XXXX, Account name XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXXXXXX , Accounts name : XXXX XXXX, Account name : XXXX XXXX has violated my rights. 15 U.S.C 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. 1681s-2 ( A ) ( 1 ) 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: Debt collection

I have sent off a letter to National Credit Systemsfor account number XXXX, they have continuously defamation of my character by reporting this debt to my credit. I have sent them a Validation of Debt in XX/XX/XXXX they responded on XX/XX/XXXX with a letter stating they have yet to find sufficient evidence to validate this debt, the only thing they attached was a bill this could have been from any where my signature is no where on a print out, they have continue to report this debt to XXXX.I have also continued to write XXXX to let them know this company will not validate this debt to remove from credit. I have sent them another letter on XX/XX/XXXX no reply. this is was my final option I have sent another letter on XX/XX/XXXX they will not validate this debt I have asked them to remove this from my credit. I have attached all correspondences letters along with my Certified receipt.
Product: Credit card

I was charged 3 times for a service from XXXX that I did not order and reported this to the credit card company ( Barclays ). They ultimately sent a form letter that they contacted the merchant who validated the transaction. This form letter also misrepresented that on XX/XX/XXXX and XX/XX/year> they attempted to contact me and did not receive a response. That is untrue, no attempt to contact me was made, not by phone, not by fax, not by email and not by letter. 

I spoke to the number they provided in their letters. Six times they requested the last 4 of my social security. It was an obvious attempt to avoid responsibility.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Acc # XXXX, OppLoansXXXX Acc # XXXX, and XXXX XXXX XXXX XXXX Acc # XXXX All furnished known false information to my consumer report therefore violating consumer law. 

Today I am writing to dispute the verification of these accounts that has been reported by these unkown Creditors. I have reviewed my credit report, and noticed this Creditors has verified the accounts as ( accurate ). However, just for starters the supposed date the accounts were opened are incorrect and also the last date reported is not accurate which are in fact grounds for removal. The fair credit reporting act states everything on my report has to be a hundred percent factual otherwise you are in violation of 15 U.S.C 1681 which promotes accuracy, fairness, and privacy.

I would like to bring to your attention that I have never had any dealings or financial transactions with these Creditors and therefore I strongly question the accuracy and legitimacy of their claim. It is crucial that you assist me in rectifying this issue by conducting a complete and comprehensive investigation into the disputed account.

Furthermore, as a consumer, I am entitled to receive proper validation and verification of any debt claimed against me, as mandated by the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Therefore, I kindly request that you provide me with the following information : Verification and validation of the debt claimed by this Creditor.

Documentation proving that I have entered into a contractual agreement with the Creditor for the alleged debt.

Copies of statements or other records demonstrating my liability for the disputed account.

Details of any correspondence or notifications sent to me regarding this account.

It is important to note that if the Creditor fails to provide the necessary documentation as outlined above, it raises doubts about the accuracy and legitimacy of their claim and proves the said transaction not to be valid. In such a case, I request that you remove the disputed account from my credit report immediately, I haven't contracted with this company in the past and I don't wish to do so in the near future.

I would also like to remind you that according to the FCRA, you have a ( legal obligation ) to conduct a reasonable investigation into any dispute raised by a consumer. I expect you to adhere to these guidelines and provide me with a prompt resolution to this matter.

Please acknowledge receipt of this dispute letter and inform me of the actions you will be taking to investigate and resolve the dispute. I appreciate your attention to this matter and look forward to a timely resolution.

Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of five inquiries that I did not authorize. They are as follows. 

XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 I am reporting a fraudulent inquiries found in my credit report