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

iam a victim of identity theft and i ve never used my credit i found these fraudulent accounts on my credit report and i dont even know how they reported with me knowing or receiving anything this is illegal as of 15U.S. Code 1692g validation of debts and 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. 15 U.S.C 1681 SECTION 604 A section 2 : it also states a consumer reporting agency can not furnish an 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, other than records of convictions of crimes which have dates the reports by more than seven years.15 U.S.C.1681s-2 ( a ) ( 1 ) A PERSON SHALL NOT FURNISH ANY OIONFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON knows or has reasonable cause to believe that the information in inaccurate XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and all these inquiries 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

XX/XX/XXXX, Equifax released information that millions of their customers became victims of identity theft. Following their website 's instructions I checked to see if my information is part of this issue and my identity has been compromised. I have submitted my request to freeze my credit with the proper agencies.
Product: Student loan

FOUND OUT SCHOOL WAS A FRAUD.NOT ACCREDITED. UNDER LAWSUIT BY OTHER STUDENTS. CHARGE ME {$120.00}, OOO TO ATTEND. WHICH TO PURSUE LAWSUIT. WANT LOAN REMOVE FROM CREDIT REPORT.
Product: Debt collection

VIA XXXX XXXX XXXX 1. After monitoring my credit, the name of XXXX XXXX  with attached Account # XXXX appeared on my credit profile. 
2. On XX/XX/XXXX, through XXXX XXXX XXXX ( Exhibit 1 ) requesting the inaccuracies of reporting and requested documentation for validation. 
3. No validation of requested information for XX/XX/XXXX 4. Another request submitted through XXXX XXXX XXXX XX/XX/XXXX ( Exhibit 1 ) requesting documentation of data reported on my credit report. 
5. No validation/verification of requested information for XX/XX/XXXX. 
6. Mail certified Letter on XX/XX/XXXX ( Exhibit 2 ) requesting validation according to my rights as a consumer 7. On XX/XX/XXXX, XXXX XXXX XXXX XXXX ( XXXX ) verified deliverable with signature ( Exhibit 3 ) 8. On XX/XX/XXXX, mail letter regular mail requesting validation of signature ( Exhibit 4 ) 9. Received no other response or documents verifying. 
10. On XX/XX/XXXX after dispute with XXXX XXXX XXXX  responded with ( Exhibit 5 ) XXXX XXXX has responded stating receiving letter concerning ACCT XXXX ; then states not enough information to locate record 11. Reporting on my credit profile starting XX/XX/XXXX through present to date as of XX/XX/XXXX ( Exhibit 6XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Do not feel comfortable giving my Social Security Number. 
12. This is unacceptable to be treat as such and unfairly as a consumer and my rights to request verification with original contract. I have been communicating with above XXXX XXXX  for well over XXXX ( XXXX ) years. It has been well past the timeframe of and the XXXX, XXXX, XXXX  days allotted to submit requested information has expired and this account must be remove/deleted from my credit profile along with discrepancies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the information in 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. 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 affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my two daughters.
Product: Debt collection

XX/XX/2021 : I was served with a XXXX Summons/Notice to Appear for Pretrial Conference ( COVID ) by Marcadis/Singer. The Notice stated : " You are hereby notified that you are required to appear on the XXXX day of XXXX. 2021 at 2pm for a Pretrial Conference. " PLEASE GO TO XXXX [ XXXX ] TO CHECK THE INDIVIDUAL JUDGE 'S SITE FOR INSTRUCTIONS DUE TO COVID-19 '' The Notice to Appear nor any of the documents I was served with gave any instruction on how to appear for the Pretrial Conference. I went to the link, and realized I needed to Marcadis/Singer PA to get more information. I was only able to speak with a representative from their " Collections Dept '' and she instructed me to contact the courthouse to find out how to appear for the online pretrial conference. I was confused that the attorney 's office would not and could not give me information on how to appear at the hearing. 

I then contact the Court to find out exactly how to attend this online hearing. I was told to find the " meeting room '' for Division H. I checked, and double checked the meeting room online weeks prior to the pretrial hearing in order to be prepared the day of the hearing. 

XXXX XXXX, 2021 : I called Marcadis/Singer PA the day before the hearing to make sure the hearing was still being held. Again, I was only able to speak to a representative in their " Collections Dept '' and she told me that the hearing was still scheduled as per the summons. 

XXXX XXXX, 2021 : I logged into the online hearing link 30 minutes before the 2pm hearing time so that I would early. I waited until 3pm and no one showed up. I tried logging in to different divisions to see if I might be in the wrong place, but no one was online at all. I called Marcadis/Singer PA twice during the supposed hearing to ask them where the attorney 's were and they told me " i will have someone call you back. '' No one ever called me back. 

XXXX XXXX, 2021 : I tried reaching an alternative department at Marcadis/Singer PA because I still had not heard back. I left voicemail. I did not receive a call back. 

End of XX/XX/2021 : I received a Default Final Judgement from Marcadis/Singer PA claiming " The Defendant failing to appear for the Pretrial Conference on XXXX, 2021 and the Plaintiff filing the appropriate pleadings in this matter ... '' After reading this, I attempted to contact Marcadis/Singer PA one last time. I left voicemail and again, did not receive a call back. 

Marcadis/Singer PA has set up an unworkable situation in two important ways : - The pretrial conference information was unclear confusing and had no clear directions on how to attend. Once I was in attendance and realized no one was there, their office was not helpful in getting me the information I needed to successfully attend the conference. 

- It is impossible to be in communication with anyone at their law firm, thereby no solution can be met that is fair to both parties. 

It is my belief that they purposefully and willfully set up an unworkable situation so that defendants are forced into a Default Final Judgement.
Product: Credit reporting or other personal consumer reports

I had to file a XXXX  XXXX Bankruptcy in XXXX  because of the XXXX emergency and lockdown. It appears that is now a crime or sin. I included all my debts including Pay Pal Credit. All of these were due to involuntary unemployment. But PayPal Credit is reporting this debt as " not paid as agreed. '' I was always taught that debts closed in Bankruptcy were closed and could no longer be held against the debtor. When did this change? My understanding is Synchrony bank in in contempt of court in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1600.00} XXXX
Product: Mortgage

I contacted a loan company to refinance our mortgage for a lower interest rate. In doing this, the gentleman advised me that we had a LOAN MODIFICATION marker on our credit history. I advised him that we have never done that and he told me to contact the institution and get it removed. I then called Carrington Mortgage Services and told them I had not authorized this and XXXX from customer service told me there was a loan modification done in XXXX XXXX. I told her I had not authorized and she said they would n't have done it without signatures. So, I requested signatures and low and behold, there are no signatures. I was then advised to send a letter to the research department asking them to remove it from our credit report ( XXXX XXXX, XXXX ) and was told to give it 30 days. I then called on XXXX XXXX, XXXX to now be told ( they said a letter was mailed to me XXXX/XXXX/XXXX ) that the original document states that if we DO N'T want the loan modification to contact them and a signature is not required. They also state that on XXXX XXXX, XXXX there was a verbal authorization over the phone. They did not document who gave that authorization. I then stated that I will be contacting a lawyer and the agent 'warned ' me that conversations are recorded for quality assurance. I then asked to hear my authorization. After many long hold, was told they will not release that to me. 
Each time I call and talk with someone, there is something else they blame it on or try and explain it away. All I am asking for proof that I authorized it or have it removed from my credit report. If I authorized it, so be it, although ... ..I do not recall it at all. I want it removed from my credit report, no telling how long this has affected us getting loans and better interest rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX TransUnion XXXX. XXXX  XXXX XXXX PA, XXXX XX/XX/XXXX To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) 2. ( XXXX XXXX XXXX & XX/XX/XXXX ) 3. ( XXXX XXXX XXXX  & XX/XX/XXXX ) 4. ( XXXX XXXX XXXX  XXXX & XX/XX/XXXX ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 
My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed the incorrect information on my file with upgrade
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is to inform you that the above referenced account being reporting by your company on my credit reports is hereby disputed for lack of completeness and/or accuracy. 
I recently disputed this account with the credit reporting agencies, and the information was reported as verified and accurate. Im sure we both understand that most disputes are often conducted using software, such as XXXX, and that mistakes can be made during that process. The software can also have limitations when it comes to completing a full and proper investigation of records. 
I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation to ensure the complete accuracy of the account being furnished to the credit reporting agencies. 
If youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account. 
If you were able to conduct a proper investigation of the records for this account, and have identified information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation. 

I am also requesting that you send me an explanation of the methods used, and a description of the records reviewed, when you conducted your investigation ; including, but not limited to, sending a copy of that information to me so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. 
This letter was completed and sent to you on my own accord, and all correspondence related to this dispute should be returned to me at the address listed above. This letter is an attempt to correct the false or misleading information you are reporting on my credit reports and to correct your records.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating this account. I have no knowledge of this and all is being investigated and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account : XXXX XXXX XXXX ( Original XXXX XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed an inquiry that do not belong to me. 

XXXX XXXX XXXX  - XX/XX/year>
Product: Credit reporting or other personal consumer reports

I Recently reviewed my credit report and noticed an account that was not reporting accurately.I had XXXX late payments on an account that I in fact paid on time.The consumer reporting agencies need to report all information with complete accuracy.this account has not been late on payments ive attached a copy of my credit report to this complaint on the following dates XX/XX/year> and XXXX.Im now requesting you investigate and provide verifiable proof with records showing that I had late payments.If this information can not be verified I demand these payments be updated to paid on time immediately.Thank you for your understanding and prompt action. 
Account Name : XXXX Account Number:XXXX
Product: Credit reporting or other personal consumer reports

Complaint Title : Denial of Access to Credit Report and Request to Dispute Inaccurate Accounts XXXX and Equifax FCRA Violations Summary : I am filing this complaint because XXXX and Equifax have denied me access to my credit report, despite multiple attempts to obtain it. This denial is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), which entitles consumers to view and verify their credit information. Additionally, without access to my report, I am unable to file disputes on specific accounts that I believe contain inaccurate or outdated information, further impacting my credit score and financial stability. 

Violations : Violation of FCRA ( Fair Credit Reporting Act ) The FCRA ( 15 U.S.C. 1681g ) grants consumers the right to access their credit reports. By not providing access, XXXX and Equifax have failed to comply with these provisions, obstructing my ability to review my credit history and to dispute inaccuracies. 

Violation of FACTA ( Fair and Accurate Credit Transactions Act ) Under FACTA, I am entitled to a free annual credit report from each XXXX XXXX, including XXXX and Equifax. Denying access infringes upon this right, blocking my ability to see my full credit history. 

Denial of Dispute Rights The FCRA also grants me the right to dispute inaccurate or incomplete information on my credit report. Without access to my report, I can not identify errors or initiate the necessary disputes with XXXX and Equifax, which hinders my ability to ensure fair and accurate credit reporting.
Product: Credit card

I have a Capitol one card. Had a balance of around $ XXXX and paid it off. Next month received bill for {$89.00}. Called company again and the csr said he will waive it. Received notice that my payment is late and they charged me another {$30.00} in fees. Called csr again and said that the previous csr did not waive anything. Told them I have never been late and I would n't have been if I was not lied to. Said they could n't help. Asked for supervisor and was put on hold for XXXX minutes and hung up after that. Called again and same issue was put on hold for XXXX minutes and all of sudden hung up on. This company is a rip off and I am getting no where with them. Please help
Product: Mortgage

i did a modification on my loan and was lied to saying i was getting a % reduced and a term extension. And a few years later when i wanted to sell my house Seterus ( who have a one star rating out of 5 ) they added {$48000.00} to my loan??? They never said anything on the phone about that at all??? And they say i signed for it that way. but, every time i ask them to send me the full contract for my lawyer to look at they do n't? Everybody i talk to that is in mortgage business never NEVER! heard of such thing. and when i get all my statements per via email its shows what i should owe on the house. never shows the amount with the extra {$48000.00}. weird. shows i owe {$100000.00} but when i call them they say i owe {$140000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX BANK NA partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I am writing to contest and to dispute the inaccurate reporting of items on my credit report. Upon contacting the companies, it was confirmed that an error occurred. Furthermore, assurances were provided over the phone that the items would be promptly updated. Your bureau is legally obligated to conduct a reasonable investigation of disputes. This investigation must be prompt and must include a review of all relevant information submitted by the consumer, such as myself. XXXX and XXXX have already corrected the inaccuracy of the items from my report and so I request that you take immediate action to update this erroneous 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
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX These illegal fraudulent items still remain. 

These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 


XXXX XXXX XXXX  Date Opened XX/XX/XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX  Date Opened XX/XX/XXXX {$0.00} XXXX XXXXXXXX {$5400.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX000.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$7300.00} XXXX Opened XX/XX/XXXX 2022
Product: Credit card or prepaid card

IN XXXX XXXX I WENT INTO XXXX TO MAKE A PURCHASE AND TRIED USING MY XXXX CARD. TO MY SURPRISE IT DID NOT GET APPROVED. SO I CALLED THE AUTOMATED SERVICE TOLD ME THAT MY NEXT PAYMENT WAS NOT DUE TILL XXXX XXXX. I CALLED THEM AFTER AND AGAIN I VERIFIED THAT MY NEXT PAYMENT WAS DUE ON THE XXXX. THEY THEN IMFORMED ME THAT A CHECK THAT I HAD ALSO SENT TO THEM FOR AN ADDITIONAL PAYMENT ASIDE FROM MY MONTHLY DUE PAYMENT FROM MY EMPLOYER WAS RETURNED BY BANK AND THAT WAS THE REASON THEY CLOSED MY ACCOUNT. I ASKED THEM IF THAT WAS IN THEIR TERMS AND CONDITIONS AND THEY REFUSE TO ANSWER THAT QUESTIONS. I TOLD THEM THAT I WAS CURRENT ON MY PAYMENTS THEY REFUSE TO HEAR ME OUT I BELIEVE THEY HAVE A CONFLICT OF INTEREST TO ONLY BENEFIT THEM SELVES AND RUIN CONSUMERS CREDIT RATINGS. PLEASE HELP ME RESOLVE THIS ISSUE. I NEED MY CREDIT RATING NOT TO BE AFFECTED. THEY HAVE NO REASON TO CLOSE MY ACCOUNT
Product: Credit reporting, credit repair services, or other personal consumer reports

INNACURATE REPORTING ON CREDIT REPORT LOAN IS NOT IN MY NAME AND CREDIT REPORTING COMPANY WILL NOT REMOVE AFTER I SENT LETTERS AND REQUESTED VALIDATION OF DEBT AND ORGINAL CONTRACT FLAGSHIP CREDIT ACCEPTNCE