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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX  XXXX Balance : {$110.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX.
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. 


Account Name : XXXX XXXX Account XXXX : XXXX and list of Inquiries. 


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

I have been trying to submit disputes via Equifax 's website for months and have been unable to do so. I am met with the same error every time, despite the fact the challenge questions clearly match my report and are answered correctly. ( I have a recent copy of my Equifax report in front of me and can answer the questions. ) Equifax 's solution is to call, this is unacceptable.
Product: Debt collection

I initiated contact after receiving settlement letter. Prior to making payment to the agreed amount, I asked if this would be removed from my credit. I was told that after the payment was processed, the collections agency will update the bureau to have the account removed. After a month when the account wasnt removed, I called to follow up and I was told they dont remove the account off the credit. I explained my situation and what I was told, without any help. I disputed the collection with all three bureaus with no success. Please help me, I feel deceived and helpless.
Product: Credit card or prepaid card

In XXXX of 2019 US bank offered a one time payment to be paid for settlement to have the amount as paid in full. I paid this amount in full by the date specified. When I tried to obtain a home loan recently this is still showing on my credit as last reported in XXXX of 2019 and not paid which did not make any sense because it was paid the month prior ( XXXX ) so why they did not report as paid satisfactory I dont know. This needs to be corrected to all three credit Burroughs as paid in full XXXX of 2019 and satisfactory. US bank was contacted today by my wife and myself regarding this and the lady was not helpful. She would only say the credit Burroughs would have to fix it that they report correctly and monthly but I advised her that my reports are showing incorrect reporting and last reported XXXX of 2019.
Product: Credit reporting or other personal consumer reports

Reporting is past 7 years and should be removed. I have incurred higher interest rate charges due to the refusal to remove off my credit profile.
Product: Debt collection

Common Wealth Finance opened a new account on my XXXX credit report on XX/XX/XXXX in the amount of {$1100.00}. I never received any communication from these people and I had no idea what the debt was about. I disputed it with XXXX and it only took 2 days for them to come back and say the debt was valid. I called XXXX  because these people have no phone number, or even telling me what this debt is on my credit report. I requested copies of the original bill from XXXX and they told me they would have to request from Common Wealth for me, but yet the debt is valid. I don't understand that one. I was told it was an old medical bill from XXXX that I disputed already twice years ago and the debt was dismissed. I don't think it is right for someone to say I owe this debt now, open a brand new account in a new year after its already been dismissed over 3 years ago. I never received any communication from these people.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this files. 

If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, OH, XXXX, XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX A XXXX
Product: Debt collection

I made a settlement payment on Wednesday, XX/XX/year> in the amount of {$6500.00} from my XXXX account to Malen & Associates who was representing XXXX XXXXXXXX in a debt collection case against me. Their online system does not give me any confirmation that the account is now taken care of, and I haven't received any of the settlement confirmation notices I was told would be sent to me in the mail.
Product: Debt collection

When I examined my credit report I learned that Credence Resource Management had submitted information that I owed a debt of {$260.00}. I called XXXX credit Bureau to get more information. They gave me the name of the company and the phone number. I called Credence Resource Management to dispute the bill which indicated that an XXXX XXXX XXXX mobile account had been opened in South Carolina. I explained that I had never lived in South Carolina. They promised to send me a kit to help me clear up the discrepancies. I have not received the kit. This was ten days ago. Meanwhile, I submitted documentation to XXXX to show my real address for the past three decades. XXXX removed the bogus address from my credit report. I called XXXX XXXX XXXX and they opened a fraud investigation case on the complaint. However, the charge still remains on my credit file. My credit report also showed that someone was attempting to apply for credit cards using my information. This led me to conclude that I have been the victim of identity theft. I froze my credit reports on all three credit bureau sites and contacted the credit card companies to let them know that I had not changed my address and that I had not applied for any credit cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX XX/XX/2019 XXXX : Social Security Number : XXXX To Whom It May Concern, This letter serves as a formal complaint against Barclays Bank Delaware as they have refused to follow the law by sending validation of debt BEARING MY SIGNATURE. 
I am writing this letter to serve as a form of documented times that I have had to send written disputes request to this company, which this will be the third time. Per the law, when a company is not able to validate a debt bearing ones signature, as per FTC opinion letter from Attorney XXXX XXXX XXXX a printout of a bill or itemized document does not constitute verification ; it is to be completely deleted off of all three credit reports, or it serves as harassment and a form defamation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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

XXXX open date XX/XX/XXXX, XXXX XXXX  open date XX/XX/XXXX, XXXX XXXX XXXX open date XX/XX/XXXX, XXXX XXXX open date XX/XX/XXXX, XXXX XXXX open date XX/XX/XXXX, and XXXX XXXX XXXX open date XX/XX/XXXX. 

The accounts above keep coming back as verified when Experian investigates the accounts. I have sent letters to all the creditors above to verify myself and the creditors can't verify the accounts. I'm not even in their database. So I don't know how Experian is verifying the accounts.
Product: Debt collection

Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still it is very important to me to have a good and positive remarks on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Transunion about the following negative accounts ; XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$210000.00} ), XXXX XXXX XXXX  XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$140000.00} ), XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$970.00} ), XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$880.00} ), XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$350.00} ), XXXX  ( Account # : XXXX, Date XXXX : XX/XX/XXXX, Balance : {$28000.00} ), XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} ), XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$20000.00} ). Its been over 45 days and Transunion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Mortgage

I ask kindly XXXX XXXX XXXX Mr cooper to please stop any foreclosure since I intent to cure any default which I have paid and I am up to date as XX/XX/year> and I ask the company to please communicate with me since when I call nobody knows procedures or give me options. I have paid all and need please the company to be consider that it was a natural desaster that got me into default and to please stop any foreclosure. I am going to file a intent to cure in XXXX XXXX as well to stop any foreclosure because I am trying to be up to date and it was XXXX of the persons from Mr cooper that have said and agree verbally over the phone when I called to make sure everything was ok and they offer me a 3 month more and that was not right to not let me know anything and try to do things that way. I have paid all it said it was owed and more the total was XXXX and I paid XXXX XX/XX/XXXX which they took XXXX and the rest was for charges extras that it was incurred. I have also paid XX/XX/XXXX bill which was XXXX and I am up to date to XX/XX/year>. I was not offer any option not letter given not anything but I am still will do the right thing to cure any default. Also as XX/XX/year>. I see on the online portal that I was finally able to enter because before it wasnt letting me I have seen that there is a modification loan pending when I didnt or wasnt asked I need the company Mr cooper XXXXXXXX XXXX XXXXto please not force me to enter into something that i was not read my rights neither was told. I have brought the account to date and it should not be modifications when I brought the account to date. Please kindly and respectfully I ask the company to take any foreclosure and I will file as well in XXXX XXXX the intent to cure even I already brought the account to date. I would apriciate for this matter to get fixed with manner and with rights thank you again and will wait for an answer
Product: Credit reporting or other personal consumer reports

AccounXXXX XXXX on credit report shows XXXX past due that inaccurate that account was discharged through XXXX  XXXX bankruptcy and have documents from the company stating that account was discharged through XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account balance being reported on my personal credit report is inaccurate, false, and incorrect. The account balance is not reporting a large payment sum made and therefore reporting a balance that is inaccurate, false, and incorrect. The balance being reported is immediately incorrect, inaccurate, and false, which must be updated to reflect the correct, accurate, and true balance as required by law to report in my credit file. I am demanding pursuant to The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq that XXXX XXXX immediately update my credit report and only report a correct, accurate, and true balance statement at all times.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please note, this is not a duplicate complaint, and I DO NOT USE any third party for this matter. I represent myself by myself. I have sent my dispute to Transunion numerous times, but Transunion has rejected my dispute and keep sending like accounts that I have disputed are verified, how they can be verified if Original Creditors have not even received a request from Transunion, which was confirmed to my by Creditors in written letter. 
The account I'm disputing is XXXX XXXX - XXXX, this account is posting on my report with NO TERMS, with wrong data, and this account has been involved in litigation and I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW, 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exist. 
Next account is XXXX XXXX - XXXX XXXX, 2016 - the date of opened is incorrect. This account is totally incorrect : no terms, Payment History Last payment No Info Current Payment Status Current - How it can be current and at the same time closed? 
Amount past due {$0.00} XXXX XXXX XXXX XXXX XXXX, Transunion MUST TO REMOVE THESE INACCURACY accounts from my report immediately. It is violation of FCRA laws to report incorrect information on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX I became aware that I have been a victim of identity, theft and fraud. Someone has my drivers license number and a fake ID and is trying to open up accounts in my name. They are using a Social Security number that ends with XXXX which is not my Social Security number. I have froze my credit with credit reporting agencies however, sometimes they still pull my credit. I am disputing these erroneous pulls.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I received the report from XXXX after the investigation in my credit report by Comenity Capital XXXX XXXX during the pandemic, XX/XX/2020, under the care act, that resulted in my favor, however they did not removed that from my credit report. 
I already have an ongoing dispute and investigation with this company though the consumers financial protection # XXXX for the numerous attempts of chartering me late fees and reporting late payments having no problem to get the monthly payment though my bank account that is set up, working and active with them witch have being used with no problem several times. 
I have continuous and several communications with them though phone and secured messaging, witch I documented everything sine they chose to deceit by stating that I didn't do certain thing conduct them self in an absolute unprofessional manner leaving me as a consumer with a sense of possibly not defend and assert my rights.
Product: Credit reporting or other personal consumer reports

Experian investigate a matter in 48 hour and some a little longer about late payment so they say, but has not provided documentation to me confirming they actually talk to the companies reporting late payments and have documentation confirming there finding. 

How is it that XXXX sends me emails every 4 days telling me that they have not heard from these companies however Experian sends me a email saying, they have heard from them and been confirmed and they are not changing how they report. 

I sent the same list of dispute too all 3 bureaus but Experian is the only one who have completed their investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are items in collections on my credit report that I have no knowledge of and did not authorize under any circumstance. I have already disputed these with all 3 credit bureau 's ( XXXX, XXXX, XXXX  ) in which nothing has been done. The collection items are from XXXX XXXX XXXX XXXX for the amount of {$660.00}, and Portfolio Recovery for the amount of {$900.00}. I have never had either one of these accounts. This is fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Took what I thought was a private loan from XXXX XXXX  out in 2006. The college recommended XXXX XXXX. My credit report now show Nelnet as my servicer and XXXX XXXX as my lender. No original loan paperwork has been sent to me. My credit report has multiple loans showing. Same amount same loan number appears to be duplicate.

Loan is now showing as a FFEL when it was private. Loan is over 10yrs old. I have disputed to no avail. Did not apply for a XXXX XXXX   loan with XXXX Nelnet or XXXX. My college recommended XXXX XXXX for a XXXX XXXX dollar personal loan. I have graduated and can not find a job, I would like to have this removed
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX a subsidiary of XXXX XXXX  called to offer a mortgage. I expressly said do not pull a credit report multiple times. Caller conned me by asking for last 4 of social for ID verification. I never wanted the mortgage and I never gave consent for credit inquiry. However thats what they did. They pulled credit report causing my score to be impacted. I am applying for a mortgage elsewhere ( I was already preapproved ) but this impacts my interest. They refuse to remove the credit inquiry that they pulled fraudulently
Product: Credit reporting or other personal consumer reports

***Follow Up Complaint *** A XXXX is listed on my TransUnion credit report but not on XXXX XXXX XXXX. Despite disputing it with TransUnion for removal, they're citing verification from a third-party company called XXXX. However, when I contacted XXXX and requested a copy of my credit report, there was no XXXX listed. I am insisting that TransUnion removes the incorrect XXXX filing from my credit report. This marks my third attempt to request its deletion, yet they have not taken action. 

1- This Public Record is Not Mine.

2-The Bankruptcy court do not report to any Credit Bureau .

3- Transunion Are Still In Fault By Keeping This Public Record On My Credit Report. 


I was Talking to a Supervisor at Transunion Named " XXXX '' Today XX/XX/year> at XXXX XXXX XXXX Time. And She Stated That The Court Is The Party Who Reported The Public Record On My Credit Report " I have Notified XXXX That I am recording the phone call '' And I have A Full Recording For The Phone Call. 

Transunion are IN FAULT, And The Information That They Provide is Not Making Any Sense, and Still Refusing To Provide The Name Of The Agency That Put This XXXX  on My Credit Report. 

I Demand That This Public Record To Be Removed From My Credit Report Immediately, since they are Not Following the FAIR Credit Report Act and Not Providing Me With The Agency Who Put This Public Record On My Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This mortgage was a hardship, it has been reported since 2013 as a foreclosure causing me so much trouble when in actuality it was a SHORT SALE. Can I please get this removed from my report.
Product: Debt collection

I checked my credit report and it shows there is midland credit management reporting to for a tmobile account. This account is shown to have been opened around the XXXX cramming sue which makes the amount not certain and needs to be immediately deleted from all credit bureaus.
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate items on my credit report listed below. My letters have been disregarded and Ive been receiving letters stating Im using a third party which is not true. 

Equifax : XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX Account Number : XXXX {$1100.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX. 
Account Number : XXXX {$1000.00} XX/XX/XXXX XXXX : XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$970.00} XX/XX/XXXX XXXX Account Number : XXXX {$1100.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$270.00} XX/XX/XXXX XXXX XXXX. 
Account Number : XXXX {$1000.00} XX/XX/XXXX XXXX : XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$970.00} XX/XX/XXXX XXXX Account Number : XXXX {$1100.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$270.00} XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX