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

Equifax Information Services LLC XXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : MN CHILD SUPPORT ENF DEPT OF ED/XXXX  MN CHILD SUP DEPTEDXXXX   XXXX XXXX XXXX XXXX  XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : MN CHILD SUPPORT ENF DEPT OF ED/XXXX  MN CHILD SUP DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : MN CHILD SUPPORT ENF DEPT OF ED/XXXX  MN CHILD SUP DEPTEDXXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX SS XXXX I have addresses and inquires on my credit report that do not belong to me. 
My current and only address is XXXX XXXX XXXXXXXX XXXX XXXX OH XXXX. PLEASE delete the following addresses XXXXXXXX XXXX XXXX XXXX XXXXXXXX OH XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX OH XXXX, XXXX XXXX XXXXXXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. 
I THE FOLLOWING INQUIRES ARE UNAUTHORIZED PLEASE DELETE : XXXX XXXXXXXX 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. I dont
Product: Credit reporting or other personal consumer reports

XXXX Account Number : XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX Account Number : XXXX It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for accounts XXXX Account Number : XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX Account Number : XXXX pursuant to 15 USC 1681ia1a , your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation. As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than XXXX  days after receiving a request from the consumer for that description. Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than XXXX business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.
Product: Payday loan, title loan, or personal loan

I have called them several times. I had a arrangement of XXXX and they took out XXXX from my bank account nobody will talk to me and they have taken more then I owed and I keep sending stop withdrawls they are not calling me back I don't know what to do. I am not even past my date of final payment yet.
Product: Checking or savings account

On XX/XX/2022 My card didn't work-I went to get gas 2 times. I'm told by customer service there's a hold. I call branch, XXXX, supv. who said call Customer Service back. I had to pay rent and my money was there. Also I noticed a false charge of {$28.00} customer service said was XXXX  XXXX and a " Debit Memo '' for {$50.00} that I tried to put disputes for both through with Supv. XXXX, customer service but she left me on hold.
Product: Student loan

This is a private student loan that was refinanced from a high interested, flex rate loan to a fixed rate loan, and is now serviced through Earnest. This loan is associated with the time I attended the XXXX XXXX XXXX. I requested the XXXX XXXX XXXX and Earnest is refusing to provide it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a Capital One Credit that was opened in XXXX that I had closed out, at the time. The account went into collection and the collection agency offer me a settlement but i declined the settlement and paid the account in full. The full balance was {$350.00}. XXXX. I was told by the collection agency they will remove the account once it's been paid in full, I have sent out several letters and the closed account is still on my credit report, only thing they sent me was just a letter stating that the account was paid in full that was it. I sent out three letters XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and XXXX are ruining my life. My report has been compromised and used illegally without consent and permission. Midland Credit Mgmt. and XXXX XXXX associates have illegally accessed my report without consent. I have the right to privacy and have never given anyone written permission to furnish these accounts. My rights have been violated and laws broken. I will contact my lawyer and sue is these derogatory marks are not removed. Midland and XXXX are not legally allowed to collect in Pennsylvania. This is identity theft and harassment as well as a violation of my rights and consumer law.
Product: Mortgage

XX/XX/XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX, PA XXXX To Whom It Mat Concern, I have appealed a credit decision based on extenuating circumstances. I have made efforts to speak with a bankruptcy attorney which was not the best course of action for my family. I later made consultation with the XXXX XXXX XXXX of XXXX XXXX, XXXX ( XXXX ). I spoke with a counselor at XXXX on XX/XX/XXXX, who provided me information and guidance in making contact with Ditech with my permission. On that same day I informed Ditech that I will be represented by XXXX, which is a housing program. Both the counselor and I spoke with a supervisor who informed us to send written notification of what action I will be taking to settle this debt. I also informed Ditech that I was no longer living in the home because I was told by one of the representatives if I was not able to catch up my payments and surrendering the property was In my favor I had 30 days to vacate the premises. I initially put in a written correspondence on XX/XX/XXXX and faxed it to Ditech requesting a settlement offer to Ditech which is the borrower in question. In my settlement letter I agreed to allow a third party to enter into the home to appraise the home only with myself being present. XXXX XXXX XXXX entered into the property by breaking all secured locks and triggering off the alarm system. I later informed Ditech that my rights were violated and I will be pursuing legal representation. I have made attempts to personally contact Ditech in which my calls have not been answered. I have either been transferred to a voicemail or bounced around the system. I returned back to XXXX for further guidance. The counselor at XXXX and I have made several attempts to contact Ditech in which our calls were not taken. On XX/XX/XXXX, it was suggested by the counselor that I submit a letter requesting Ditech to respond to my initial letter. The letter was typed and faxed to Ditech. I have received a letter post marked XX/XX/XXXX informing me to give Ditech 30 days to respond to my written request. Ditech has not since contacted me in reference to the initial settle request. I have made efforts to contact Ditech to resolve this matter and still my calls are unanswered. I have a future appointment with XXXX. I can forward all correspondence that I have submitted to the borrower making attempts to clear all debts. However, I have made ongoing efforts to contact Ditech personally by phone or fax. I have been informed by XXXX to contact the consumer finance protection bureau ( CFPB ).  I have not been able to make payments due to family hardship. Since my initial letter Ditech has been reporting to all credit bureaus. Follow the link belowhttps : //www.consumerfinance.gov/complaint/. My last option will be to surrender the property. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert from Experian that my credit file had been updated and there was new inquiry. I had not authorized anyone to pull an inquiry nor am I looking for new credit. I logged in an found that XXXX & XXXX checked my credit report XX/XX/2022. I called this company from the number provided on my Experian credit report ( XXXX ) XXXX. I expressed to them that I have not authorized anyone to access my credit history and I that they have no right to access my credit profile without my permission and they must remove this inquiry and never access my profile again.
Product: Debt collection

I received an alert that my credit files had been flagged/updated by Paramount Recovery Services Systems XXXX XX/XX/2022. Paramount Recovery Services Systems are debt collectors demanding a debt on behalf of XXXX XXXX. I have not received any goods or services from Paramount Recovery Services Systems, and I do not know how Paramount Recovery Services Systems received my private medical information. Paramount Recovery Services Systems do not have a permissible purpose to contact me for any reason in regards to any alleged debts. There are no contracts in place to support we have agreed to honorably conduct any business and I have not agreed to pay/tender anything to Paramount Recovery Services Systems . My HIPPA rights have been violated. 
I am not a party to any agreements that Paramount Recovery Services Systems may or may not have with XXXX XXXX. I am not responsible for Paramount Recovery Services Systems purchase / transfer. 
Paramount Recovery Services Systems reply outside of the CFPBs portal, must be delivered via the postal service. If the envelope is not properly stamped by the postmaster ; it will be returned to sender due to mail code violations. ( I will upload all proof ) Please abide by all mail codes. All calls are recorded for my safety. 
Please be advised that neither Paramount Recovery Services Systems or XXXX XXXX are Holders In Due Course. Please remove this unverified account from my credit report and Cease and Desist.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : it also states, a consumer reporting agency, can not furnish 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 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 Chelle noght 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: Checking or savings account

Subject : Request for Assistance with Account Issues Dear EXECUTIVE OFFICER Team, I hope this message finds you well. I am writing to address an issue regarding a check-in savings account that has been opened in my name without my consent. As the third generation in my family, this situation is particularly concerning, as it is preventing me from opening my own bank accounts.

I have already filed an identity theft dispute regarding this matter, which I will include for your reference. I would greatly appreciate it if someone could reach out to me at your earliest convenience to assist me in opening a check-in and savings account.

Thank you for your prompt attention to this issue. 

Best regards, XXXX XXXX XXXX
Product: Credit reporting

I recently received in the U.S. Mail a copy of my credit file from Equifax dated XXXX XXXX, 2015. Under their " Previous Addresses '' listed section it listed that I once or currently live at : " XXXX XXXX XXXX, XXXX. ; XXXX XXXX ; XXXX XXXX, XXXX ; XXXX ; Reported XX/XX/2015. '' In reality, I do n't live there, nor have I ever visited the State of XXXX nor do I know of anyone who lives in the State of XXXX. I currently work fulltime for the State of XXXX and have done so for the last 27 consecutive years. When I called Equifax recently to ask them to " remove '' that false Identity Theft State of XXXX address, they refused to do so!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX {$780.00}, XXXX XXXX {$350.00}, XXXX XXXX XXXX  {$5200.00}, XXXX XXXX XXXX {$3000.00}, XXXX XXXX Needs attention {$780.00}, XXXX XXXX XXXX Needs attention {$140.00}, XXXX {$4800.00}, XXXX XXXX XXXX XXXX {$9000.00}, XXXX XXXX XXXX XXXX Credit Card {$770.00} has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or UPDATE all information which can not be verified. 

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

Hello, I sent a total 7 disputed requests to Equifax regarding the XXXX account XXXX XXXX XXXX no longer being serviced by the company and has been discharged and sold with a company Im currently working with to fix the issue. However Equifax hasnt completed an In-depth investigation or have reached out to XXXX or they wouldve known this and removed the item from my credit reiport. Instead they keep reporting it on my report late and marked, as derogatory. What happen to credit reporting agencies being held accountable? 

They have done a poor job with reporting accurate information when it comes negative accounts. I have attached an letter from XXXX admitting this account is no long with them. The XXXX Account should be deleted right away.
Product: Vehicle loan or lease

Its numerous of accounts open in my name Im a victim of identity theft and I filed a report already
Product: Credit reporting or other personal consumer reports

XXXX, XXXX , & Equifax are reporting late payments that are incorrect. I was not indeed late and they have provided no evidence to prove that I was late. Furthermore I can not be late on an account that is funded with a security that is my financial asset.
Product: Credit card or prepaid card

Just today about XXXX XXXX started getting email account permanently suspended sec 22d. All I had done was uninstall the mobile app associated with ths card off my mobile phone. Now I can not get thru to a live person to handle this. I have money on the account and want to get it back. Luckily I have money on another good bank I can use at this time. Please help thank you
Product: Credit reporting or other personal consumer reports

I just took a look at credit report XX/XX/24, and found a charge off from sprint who is suppose to be orignal creditor. 

1. account. XXXX XXXX ( XXXX XXXX : XXXX XXXX  ) Date opened on the 2 accounts do not match/ this is a charge off allegedly. 

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 USC 1681 s-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 calls to believe that the information is inaccurate. 


THIS IS A VIOLATION OF MY CONSUMER RIGHTS.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of great concern regarding the accuracy of the information on my credit report. I have previously sent four validation letters on the following dates : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. 

In each of these letters, I have diligently outlined the discrepancies I have identified in my credit report and have requested thorough validation of the information in question. Unfortunately, despite my repeated efforts, I have not received any proof of validation from TransUnion. 

The inaccuracies I am referring to pertain to [ specify the inaccurate information, such as incorrect account details, late payments, or other discrepancies ]. These inaccuracies not only impact my credit score but also create an unjust representation of my financial history.

I understand that accurate reporting is crucial to maintaining the integrity of credit information, and I believe in the importance of fair and transparent credit reporting practices. Therefore, I kindly TransUnion to conduct a thorough validation of the information in question and provide me with the necessary documentation to support the accuracy of the reported data.

I urge you to treat this matter with the utmost urgency and address it promptly to rectify the inaccuracies on my credit report. As a consumer, I have the right to accurate and substantiated credit information, and I trust that TransUnion will uphold its responsibility to ensure the integrity of credit reporting.