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

I am writing to formally request that the following fraudulent accounts be blocked and deleted from my credit file in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and these accounts were opened or reported fraudulently without my authorization. 
The fraudulent accounts in question are as follows : 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
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. 

XXXX : # XXXX XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX XXXXXXXX # 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 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

XX/XX/XXXXlists two installment loan amounts on my credit report ( {$410.00} & {$770.00} ). Both loan amounts were given via pre-paid debit cards in XX/XX/XXXX. The amounts were subsequently disputed in XX/XX/XXXX. Both amounts were XXXX XXXX out after the disputes, which I confirmed via a phone representative at XXXX  on XX/XX/XXXX. Therefore the balance of the loans was XXXX, and I no longer owed anything. This information was confirmed via email and phone with Affirm. However, both amounts show that in XX/XX/XXXX, there was a 30-day late payment which is incorrect. Secondly, the other months XXXX XXXX, and XX/XX/XXXX-XX/XX/XXXX, show that the payments were on time. Both of these reports are incorrect, because the loans were both XX/XX/XXXX out/cancelled due to the disputes, and there was aXX/XX/XXXX balance. But XXXX  continued to report that there was a balance, AND on-time/late payments. In other words, monthly payments were still reported as being on time, despite the balance being XXXX. There is a third installment loan of {$40.00} on my credit report from XXXX. This amount was also given via a pre-paid debit card. However this amount was fully refunded by the merchant, which I have confirmed with the merchant. XX/XX/XXXX continued to report this amount as current and past due on my account, until charging it off in XX/XX/XXXX. This account was incorrectly charged off, and there was a XXXX balance. The screenshots I have attached show I owed XXXX, and I have paid XXXX, as the loan amounts were either disputed and then refunded, or refunded directly by the merchant. The other screenshots show how XX/XX/XXXX has incorrectly reported these balances on my credit report. These incorrect marks on my credit report violate several FCRA statues which are : not providing notice of furnishing negative information FCRA 623 ( a ) ( 7 ) ( A ) ( i ), and it would be in violation of FCRA 623 ( a ) ( 1 ) ( B ) if this information continues to be reported. It also violates FCRA 623 ( a ) ( 5 ) ( A ) which states the date of delinquency must be *correctly* reported to the CRA within 90 days. There are 0 sections that prohibit deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax has stopped me getting access to my freeze/unfreeze account. Apparently this is a very common problem with equifax. The other credit agencies do not have this problem
Product: Credit reporting, credit repair services, or other personal consumer reports

Please original instrument of indebtedness for this account. This payment history and dates for this account inaccurate. If this account is Charged-Off how can it still be open with a balance.

Please provide physical verification, method of verification, and validation of debt for this account. 


XXXX XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, UT XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Dear XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information The name and address of the original creditor and the current creditor.

1. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

2. Full complete and correct social security number to help identify me as the correct person you are trying to collect from 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to address a significant issue regarding the inaccurate reporting of an account associated XXXX XXXXXXXX XXXX XXXX XXXXXXXX on my credit report. This account was initially labeled as a Repossession and later amended to a XXXX XXXX, which is entirely incorrect and unjustified. 

Firstly, I would like to provide clarity on the circumstances surrounding the acquisition of the vehicle in question. On XX/XX/XXXX, I entered into a transaction XXXX XXXX XXXX XXXXXXXX XXXX to purchase a XXXX XXXX XXXXXXXX XXXX listed online at {$9800.00} with XXXX miles. Despite encountering unprofessional behavior during the transaction process, including disputes among staff regarding commissions, I proceeded with the purchase due to my urgent need for a vehicle. 

Throughout the following XXXX days, I cooperated with the dealership, providing requested documents and information, despite the unexpected increase in the vehicle 's price and the subsequent discovery that the vehicle had previously been wrecked, which was not disclosed beforehand. Despite these setbacks, I took possession of the vehicle, only to be later instructed to return it for the installation of a XXXX disabler, under the guise of ensuring payment compliance. 

Ultimately, I returned the vehicle in response to this unreasonable demand, and it was subsequently resold to an acquaintance of the managers daughter without following appropriate procedures. This mishandling of the situation has had severe repercussions on my credit score, impeding my ability to secure financing for another vehicle and resulting in exorbitant interest rates when I finally managed to do so. 

Repeated attempts to dispute this inaccurate reporting have proven futile, and my interactions XXXX XXXXXXXX XXXX XXXXXXXX XXXX have yielded no resolution. Attached is a letter from a former XXXX, albeit with incorrect dates, affirming the unwinding of the loan associated with the vehicle. Despite this documentation, the issue persists, compounding the distress and inconvenience it has caused me. 

I implore you to take immediate action to rectify this situation. The erroneous reporting of a repossession has had profound consequences on my financial standing and quality of life, and it is imperative that this matter be addressed promptly and comprehensively. I seek your assistance in ensuring that this unjust mark on my credit report is removed, and appropriate measures are taken to prevent such occurrences in the future. 

Thank you for your attention to this matter. I eagerly await your response and swift resolution to this ongoing ordeal.
Product: Debt collection

Someone initially started using first name and social to obtain medical treatment. In the late 2011 's I had my identification including social card, insurance card for medical, and car and driver 's license stolen. When I saw the damage this fraudster did I almost passed out. Police did n't even want to help and directed me to government nonprofits to deal with the creditors and credit bureaus initiated several disputes with XXXX, XXXX, and XXXX over the last year for erroneous accounts that are not mine. I '' ve followed every step they 've outlines and that your site has told me to do. Still having issues with some accounts because Iguess they want to collect more money from these creditors because they get paid to report negative. If feel like this mistreatment is racially motivated bc of the climate we 're in. It 's hurting my family. below are some documents i sent to them on several occasions. It really seems they keep accounts/collections on credit reports because the credit bureau will make more money the longer it 's there. Companies like national credit systems are one in the same but neither one can really help I think me and millions of americans are being lied to by the credit reporting agencies.
Product: Checking or savings account

I'm a XXXX XXXX on a fixed income! I reported out of state charges on my debit card, that I did not authorize! On XXXX, at XXXX XXXX  a charge of {$68.00} was put on my debit card from XXXX XXXX, XXXX! My debit card & pin # never left my possession! On the same day XXXX, I withdrew money from an ATM, at XXXX XXXX  in XXXX, XXXX! On XXXX, I reported a charge of {$58.00} from XXXX, XXXX at XXXX XXXX! My debit card & pin # never left my possession! On the same dayXXXX, I made a purchase in XXXX XXXX XXXX, at XXXX XXXX! On XXXX, an out of state charge of {$78.00} was put on my debit card! My debit card never left my possession! This charge was also in XXXX, XXXX! On XXXX, a charge of {$14.00} for a taxi in XXXX XXXX! My debit card & pin # never left my possession!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have disputed this account multiple times. XXXX  has deleted it for inaccurate reporting. XXXX  and XXXX  comes back saying account verified. And since that's not what I'm disputing, it tells me they are using EOscar  system and not a full investigation, which is a violation of my rights under FCRA. Screenshots from my report show multiple inaccurate reporting items. Date of last activity, last updated, account type, ect. It's reporting as currently later with XXXX  as if its still open.
Product: Credit card or prepaid card

Made payment to Sams Club Mastercard instore, {$120.00}, on XX/XX/2022. 

While the website states a payment is not due, the payment is not reflected in the payment history in the attachment.
Product: Credit reporting or other personal consumer reports

I sent a letter on XX/XX/year>, about inaccuracies on my credit report and have yet to receive a response. The continued reporting of incorrect information is unacceptable and violates my rights. 

I demand that you : Correct or delete the inaccurate information immediately. 
Provide proof of validation if the information is accurate. 
If this issue is not resolved within XXXX  days, I will escalate the matter to regulatory authorities. 

Please confirm receipt and action taken.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against Equifax regarding the presence of fraudulent XXXX XXXX accounts on my credit report and the mishandling of my credit profile. 

Details of the Complaint : 1. Nature of the Complaint : Equifax has allowed XXXX XXXX to place information regarding the following fraudulent accounts on my credit report : Account ending in XXXX Account ending in XXXX Account ending in XXXX Account ending in XXXX Account ending in XXXX These accounts have appeared with a history ranging from 1 to 7 years, yet my Equifax report from 3-6 months ago shows no such accounts. This indicates that there is no legitimate history of these accounts on my credit profile. 
2. Inquiries shown on 3rd party websites ( XXXX XXXX ) : Additionally, there are inquiries from third-party sites that are not reflected in my credit profile when I log in to myEquifax.com, which I can provide proof of. 
3. Profile Merging Issue : A representative I spoke with today mentioned that my file may be merging with someone. This is highly concerning and needs immediate resolution. 

Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates ( 15 U.S.C. 1681e ( b ) ). The failure to do so, especially when it results in the inclusion of inaccurate or fraudulent accounts, constitutes a violation of this statute. 

Furthermore, in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX  ), the court held that a consumer reporting agencys failure to follow reasonable procedures to ensure the accuracy of its reports can lead to liability for damages if the consumer suffers harm as a result.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX  provide me a letter for Experian, XXXX and XXXX to update my credit scores and credit reporting agencies hasn't updated my credit scores and balance. 
As my utilization ratio is under 30 % in which my credit scores will be increase once credit reporting agencies update my credit and scores. 

I am going through a VA Loan process and I need my credit scores updated immediately so I can get a lower interest rate. 
Why is Experian, XXXX and XXXX not updating my credit report and scores.? 
Also for XXXX XXXX XXXX # XXXX late payments is incorrect as evidence of my XXXX  checking account ending # XXXX evidence states that XXXX, XX/XX/2019 auto loan was called in by phone on each month of the XXXX to XXXX   XXXX XXXX and they took the payments on time. 
Also, XXXX XXXX XXXX loan account # XXXX is on Experian and not on XXXX  and XXXX.It needs to be added to XXXX and XXXX   immediately. 

I am XXXX, Retired and a XXXX XXXX Honorable Military Veteran. 
Please support me on my XXXX XXXX Civil Rights under Department of Justice. 
Very Urgent Matters! 
Does Experian, XXXX and XXXX have a business partnership with XXXX?
Product: Credit reporting, credit repair services, or other personal consumer reports

I'd Really like for Experian to take a look at the negative item that Ive listed below, because Ive tried again and again to make sense of what Im seeing. unfortunately. I cant make heads or tails of this and need your help Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. if you would, please investigate these item and send me a new credit report reflecting the changes ( I would appreciate it if youd expedite this because i need to apply for a job ). if you really look at the info that ive provided, youll see why ive said these arent reported correctly what i cant figure out is why im seeing this information to begin with, because arent you supposed to verify everything before it every hits my credit report i really dont think that youve done this so i would really like for you to fix this now. please investigate the following account : XXXX XXXX  # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contact XXXX, XXXX  and Experian and have notified them of the hard inquiries on my report that I am not familiar with and no action has been taken.
Product: Credit card or prepaid card

I was banking with Netspend and filled two disputes for transaction made with there debit on XX/XX/XXXX and XX/XX/XXXX i was informed they would have to research charges and a provisional credit will be issued if it couldnt be resolve by XX/XX/XXXX and XX/XX/XXXX well it is XX/XX/XXXX and the finically institution is saying that this doesnt meet the guide line of regulation e when it actually does meet all requirements of regulation e being a POS purchase please reference regulation e section 11 I have emails stating that this is not a billed transaction but it clearly is
Product: Debt collection

XXXX XXXXXXXX Original Balance {$3200.00} current balance over {$4000.00} IQ Data International, XXXX Credit reporting. 
I have contacted and disputed this inaccuracy on my credit report with XXXX and the creditor numerous times. Asking that this debt be verified. After dispute is completed I am receiving a credit report with no verification stating that the debt has been validated. I have received nasty calls from the creditor. I have tried to resole with creditor and also have requested the information that was purchased by them bearing my signature of the debt. I have explained the debt does not belong to me and to have this removed from my report I have made several goodwill 's to the creditor in an attempt to clear up the debt with both XXXX and the collection agency, still no verification of this debt has been provided. This inaccuracy represents a very serious error on my credit report with XXXX. My rights have been violated. Furthermore, interest is being added. This is also documentation that I requested from the creditor, why is the debt increasing. No one has provided me ay documents that I haver requested showing any proof of the debt bearing my signature as well as the debt adding interest. Four years this has been hindering me. I need this debt to be removed from my credit report.
Product: Mortgage

I am reaching out because I had a modification done on my mortgage in XXXX which started in XXXX. My property address is XXXX XXXX XXXX XXXX XXXX, FL XXXX. My name is XXXX XXXX. This was because my payments were deferred in XXXX due to me being in a disaster area. I was never informed that after the 3 months, I would owe three months of payments so the mortgage company told me to do a modification to have those payments tacked to the back of my loan. 

The process with the bank was confusing, exhausting and drawn out. I barely received guidance or information on what was happening with the modification which went on for almost a year and was never completed by XXXX. I called 2-3 times per month from XX/XX/XXXX XX/XX/XXXX and was always told it was being processed. 

In XXXX ( XXXX ), my mortgage was sold to Shellpoint and they completed the modification in XXXX or XX/XX/XXXX but I wasn't told that there would be a separate lien on the mortgage that would need to be paid before I could refinance. This whole fiasco came about because of the lack disclosure from XXXX on how the deferment worked when I applied in XXXX. Had I known that it would cause all this, I would have struggled through to make my payments during that time. 

I recently tried to refinance with XX/XX/XXXX, and they are telling me I have a lien with HUD on title for {$30000.00}?? 

I need answers on where this is coming from and why this is happening. I am being told that I have to pay {$30000.00} in order to do a refinance. I was never notified of this, and do not even know where {$30.00},