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

Hi - I have tried calling all three of credit bureau's to put a freeze on my credit.  None of these companies want to assist me over the phone to put the freeze on my credit but instead are trying to push me to do it online.  I do not want to provide SSN numbers or other sensitive information online.  In addition, these companies are required to assist people over the phone.  The government organization's that oversee the bureau's need to be much more strict with these companies (just like you are with the banks) so they appropriately service their customers who make them millions of dollars each year.

Thank you,
Product: Credit reporting or other personal consumer reports

Please be advised that this is my 3rd WRITTEN REQUEST AND FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my right and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Despite my previous 2 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate, but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of that of the documents that you used to verify the disputed accounts like you said you did. Your failure to delete the disputed accounts that you can not verify after 2 written requests is also evidence of your Willful disregard of Federal Law. 

When we go through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you do not have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and Court will order you to delete them. 

You say that you have reinvestigated these accounts but you have admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation in violation of 1681 { a } { 4 }. 

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law. 

Please be advised that under Section 611 { 5 } { A } of the FCRA-you are required to .PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED. I request that you do this immediately. 

The law is very clear as to the Civil liability and remedy available to me { Section 616 & 617 } if you fail to comply with Federal Law. I am a litigious consumer and fully intend on fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 


Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name_XXXX  Date open__XXXX_________ Account Number __XXXXXXXX__ Reason for dispute__IDENTITY THEFT Account Amount __XXXX_ Account Name XXXX_  Date open__XXXX__________________________________ Account Number XXXX Reason for dispute IDENTITY THEFT_________________ Account Amount XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed these disputes over 2 and half months ago giving a enough time for it to make it via the mail stream. At this time I still have received any results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Address : XXXX XXXX XXXX PL XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted the credit companies stating that the information on my credit report is incorrect they did an investigation and it is still incorrect the accounts are XXXX XXXX # XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX In accordance with the Fair Credit Reporting Act those accounts have violated my rights. 
15 U.S.C 1681 section 602 A section2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

. They keep on putting this account on my credit report they called many times, the man was rude and kept on calling after many letters finally they removed from my credit report, and now it's there again .please remove this item. 

To attempt to collect the debt on which the creditor can not show a contract or an underlying basis would violate the Fair Debt Collection Practices Act,. 
Specifically, section of the FDCPA : Unfair practices [ 15 USC 1692f ] A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
Product: Credit reporting 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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXXXXXX XXXX : XXXX, XXXX  XXXX : XXXX, XXXX, XXXX & XXXX : XXXX, XXXX XXXX : XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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: Credit reporting or other personal consumer reports

I am writing to formally dispute the claim of civil liability for negligence that has been brought against me under California Civil Code 16810. Upon reviewing the details of this matter, I find that the claim is incomplete and lacks the necessary legal and factual basis to establish my liability.

Grounds for Dispute : 1. Lack of Substantiated Evidence : The claim fails to provide clear and sufficient evidence demonstrating my negligence and how it directly resulted in the alleged damages. Without concrete proof, any assertion of liability is unfounded.

2. Failure to Establish Duty and Breach : For a negligence claim to be valid, it must be shown that I had a legal duty to the claimant, that I breached this duty, and that this breach directly caused harm. The claim does not adequately establish these elements.

3. Inaccurate or Incomplete Information : The claim appears to be incomplete or contains inaccuracies regarding the circumstances of the alleged incident. I request a full and transparent disclosure of all supporting documents, witness statements, and any other relevant evidence.

4. Possible Comparative Negligence : If liability is being alleged, an assessment of all parties contributions to the incident must be considered. If other parties contributed to or were responsible for the damages, the claim should be adjusted accordingly. 

Given these concerns, I request an immediate review of this dispute and a written response addressing the deficiencies outlined above. If this matter is not resolved appropriately, I am prepared to take further legal action, including seeking dismissal of the claim and any damages incurred due to improper allegations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear, to whom it may concern ; I XXXX XXXX XXXX  and XXXX  in my XXXX XXXX back in XX/XX/XXXX or XXXX, depending on time I went into XXXX I ended up getting scheduled to get XXXX XXXX XXXX from XXXX XXXX XXXX from XXXX XXXX XXXX XXXX, around the middle or late of XXXX if not early XXXX the lastest,. I also had and still have to endure XXXX XXXX because my XXXX XXXX XXXX  is still messed up to the point I have to get another XXXX. I have not been employed due to whats been going on with my XXXX XXXX and XXXX ; also, I live with my grandfather who has multiple medical health problems involving his XXXX, I can not bring him home XXXX. I can one of his care takers on things I am able to help, because I can't help with everything due to my XXXX. Lastly, the total due amount is incorrect and XXXX came right after.
Product: Credit reporting

Trying to remove hard inquires from my credit report with Experian as i do not have any obligation or any line of credit or services from some of the inquires on my report. Have contacted all three credit bureaus about these hard inquires on my report and they wo n't budge or remove any of them. i just want to remove the inquires that i have no financial obligations to. Also they have a public record on my report which i have found out that the court does not share this information with the credit bureaus and should not be a part of my credit report either have try calling to have removed and told they can not be removed which i found out to be not the truth. also they have a XXXX listed on my report that should also be removed have n't had a XXXX in over 14 years
Product: Debt collection

My personal information was exposed in the XXXX XXXX hack in XXXX which I became aware of when they sent me a letter informing me. This debt is not mine. In XXXX I received the first of XXXX debt collection attempts referencing a loan in XXXX, there were subsequent attempts in XXXX, XXXX, and XXXX by different debt collection agencies for the same loan. The first XXXX debt collection agencies dropped their claim after I requested a debt validation letter. The fourth agency is still pursuing the collection after having sent me a debt validation letter and have notified the credit reporting agencies which has negatively affecting my credit rating. The debt validation letter shows only my name, my former address and the last XXXX numbers of my social security number. All easily obtained by criminals.The transaction with CASHNETUSA had been done electronically and the debt collector did not provide any information as to where the money was sent ; no routing number, account number, tracking number, date cashed, bank name, address, etc. I was defrauded like so many others and have been put in the position of proving a negative.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I received a notification from my identity protection agency that XXXX XXXX made an inquiry on my credit report. This was not me and no one else should be able to access my account.
Product: Student loan

I tried to get a repayment plan where they would lower or forgive and they never helped me on anything
Product: Debt collection

I am writing to address the ongoing matter regarding an alleged debt that your collection agency is pursuing on behalf of XXXX XXXX XXXX. I recently received a communication from your agency dated on XX/XX/2023 but I received on XX/XX/2023, which claimed that I owe a debt in the amount of {$180.00} to XXXX XXXX XXXX. However, I have several concerns regarding this debt, which I would like to bring to your attention. 
First and foremost, the name associated with the alleged debt is not my name. It is essential to note that I have never entered into any contractual agreement or financial arrangement under the name mentioned in your correspondence. Therefore, I request that you provide proper verification and documentation to establish the accuracy and legitimacy of the debt in question. According to my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically section 15 USC 1692G, I am entitled to receive this information upon my request.

Furthermore, I must emphasize that I have not received the complete medical bill from the healthcare provider involved. The bill lacks essential information, including the medical coding, place of service address, and Tax ID number, which are necessary for my insurance company to process the bill appropriately. I have been actively pursuing the complete and accurate documentation from the healthcare provider but have yet to receive it. Consequently, any attempts to collect on this debt are unwarranted and erroneous. I kindly request that you thoroughly investigate and verify this information on your end before proceeding with any further collection activities. 
I would like to remind you of your obligations as a debt collector under the FDCPA. Section 809 ( b ) of the FDCPA states that, upon receiving a written request for validation of the debt, you must cease all collection efforts until you provide the requested verification and documentation. Failure to comply with this requirement may result in potential legal consequences.
Product: Credit reporting or other personal consumer reports

I sent out dispute letters to all the Credit Bureaus including Experian on XX/XX/year> about 15 US code 1681 Permissible Purpose. On XX/XX/year> at I got an email stating about getting my information and explaining all of my rights. Today on XXXXXXXX XXXX I got an email stating that the letters I sent from me, was not authorize from me. This is a tactic that a lot of credit bureaus use, so they don't have to do their due diligence to actually to the investigation. So I called Experian on XX/XX/year> at XXXX XXXX Talked to XXXX ask him about my concerns, I told him that I was the one who sent the letters out, I told him that this happens every time I dispute an item. I asked if Experian would dispute my claims, he said no. I gave them all the required documentation needed. These illegal practices needs to be stop. I need Experian to do the proper information requested within 30 days of the letter that they received.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've made numerous attempts to dispute the fraudulent information from my credit report through online filing, mail, and calls without getting anywhere. Online disputes are being closed the same day with no proof the information is accurate or that I've provided written authorization that allowed these companies to access my credit report. 

The burden of proof lies with you as the credit reporting agency. Since I'm advising this information was NOT authorized by me, the consumer, I would appreciate this information removed from my credit report. 

Where I've been able to find out the company, I've attempted to make contact with them and advise them they've fraudulently reported information on my credit report. I've yet to been able to get anywhere with any of these companies. 

I've also filed a formal FTC complaint on this matter to further secure my information from potential identity theft. As well as purchased subscriptions to place 'locks ' and 'freezes ' on my credit report with your company. 

A full listing of each of these fraudulent accounts is below : XXXX  Account XXXX XXXXXXXX XXXX Account number XXXX XXXX  Account number XXXXXXXX XXXX XXXX XXXX XXXX  Account number XXXX A full listing of each of these fraudulent inquiries is below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The account below has engaged in inaccurate and fraudulent reporting on my credit report. This company has reported a false late payment on XX/XX/XXXX with one agency, and another on XX/XX/XXXX. I've attempted to work with them and argued the fact the payment was not late to no avail. They've now reported on my credit report the account was closed on XX/XX/XXXXXXXX  and reported a late payment on XX/XX/XXXX. Since I've been unable to get anywhere with them, I wish my credit report to be corrected with the accurate information of the account closure on XX/XX/XXXXXXXX  and the false late payment in XXXX remove immediately. 

XXXX Account number XXXX I greatly appreciate your assistance in updating my credit report and ensuring it's accuracy. If you believe any of the information is accurate, I demand proof of this so I can begin any necessary legal action with counsel to get this rectified. 

Thank you! 

Sincerly, XXXX XXXX XXXX
Product: Mortgage

I bought my house with XXXX ( XX/XX/XXXX ) who sold the loan to XXXX. XXXX added {$7000.00} to escrow ( XX/XX/XXXX ) with the excuse of taxes. In the midst of adding this fee and raising my FHA loan payment, they sold to LoanCare on XX/XX/XXXX. I never signed a paper or got any documents besides a new address for payments. I started paying LoanCare my original house payment. LoanCare has not credited payments to the account and has put me in default. I received some of these money orders back through mail. They are mutilated and have filed a refund investigation with the US Postal Service. All the while, these people never pick up the phone and I have never received any other communication rather than a bill. Why pay by mail? They charge {$19.00} to pay online and {$15.00} if you do by phone. I never asked to be transferred to this company. They have my address all wrong and I do n't always get my mail. Sometimes they do send it right, some other times they miss the street number and house number. Thus this has resulted in receiving old mail from them three months later. I have paid my mortgage and they refuse to receive my payments. The whole thing is a nightmare. They even want to impose their insurance policy which is XXXX times higher than my insurance policy. I had to provide paperwork three times before they stopped sending me letters. As of right now, all I want is for them to accept my payments, clear their mess and end this mental angst. I worked so hard to put a roof under my children and these people have turned our dream into a nightmare. These kind of companies, like LoanCare and XXXX, need to end their fraudulent practices. Inventing taxes out of nowhere, charging excessively and damaging people 's credit.
Product: Mortgage

This company purchased my loan from the last company who had my loan. I did not know this and continued to make my payments to the old company. The old company returned two payments ( made completely and on time ) to  me. By the time I realized there was an issue I was 30 days late with the new company. As soon as I realized the issue I called the new company, paid in full, and enrolled in their automatic payments program. Because I can prove that I did believe I was making my payments on time and in full I have asked that they take the 30 day late payment off of my credit. They refuse. 

I did not ask for my loan to be sold. I made my payments on time to where I believed they should go. No one ever called me ( from either Fay Servicing nor XXXX XXXX XXXX ) and left me a message asking for a return phone call or sent me an email. Though they both had this contact information for me. 

I do not believe I should be penalized for this issue due to my loan being purchased and I am requesting that the 30 day late payment be removed from my credit report
Product: Debt collection

On XX/XX/2021, I received a letter to collect a debt from Sequium Asset Solutions , LLC. It stated I owed {$130.00} to XXXX XXXX XXXX XXXX, which is untrue because I paid the remaining balance when I canceled the XXXX XXXX XXXX service with the representative over the phone. 

I wrote back Sequium within 30 days after receiving the notice using XXXX  to verify the debt 's validity. Also, I asked for proof to show I owe a debt and agreed to pay a debt in the same letter. Sequium never responded. 

The following month I received an alert from my credit monitoring service that something 'negative ' was added to all three of my credit reports. I was appalled to see it was Sequium on my credit reports. So in XXXX of XXXX, I wrote Sequium again by XXXX asking for proof to show how I owe a debt that did not exist. Sequium never responded.

I disputed the debt 's validity to all three credit bureaus by XXXX, and each credit bureau reported back that Sequium verified the debt. However, this time the debt was verified, but Sequium updated the date of the debt.

So far, I have written Sequium three ( 3 ) letters through the XXXX XXXXince XX/XX/2021, and I have not yet received any response. Additionally, I have not received any information on the original creditor 's debt, how Sequium came up with a balance of {$130.00}. I also asked to show proof Sequium is allowed to collect debts in the XXXX XXXX South Carolina. 

As of today 's date, XX/XX/2021, I have not received anything from Sequium regarding this frivolous debt which continues to have a detriment on my credit score and financial well-being.
Product: Credit reporting or other personal consumer reports

Recently, I did an Investigation on my credit report and found several items on there to be inaccurate on my account. The account is hurting my ability to obtain credit. Is my understanding that Credit Agencies will investigate this account for me to ensure accuracy here is the account I am asking you to verify as accurate. 

XXXX XXXX  ACCOUNT # XXXX under 15 U.S. Code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it should follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information a in general if after any reinvestigation under paragraph ( XXXX ) of the information disputed by the consumer and item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete the item of information from the file of the consumer or modify the item of the information as appropriate based on the results of the reinvestigation ( ii ) and promptly notify the furniture of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed an identity theft report and disputed items with the proper people to have inaccurate information removed that is not mine. These items still aren't removed.