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

I have filed multiple complaints against Experian due to not properly handling my dispute ( s ). I have called multiple times filed complaints emails etc. NO AVAIL! I have inquiry from loans places auto insurance also incorrect credit score I have submitted more then enough proof of fraud etc. no one has contacted me and anyway to provide me with a reason for denied my dispute its honestly wrong I have paid XXXX XXXX hundreds of dollars no avail. 

Under the Consumer Financial Protection Act, the CFPB has the authority to take action against institutions violating consumer financial protection laws, including the FCRA and the prohibitions on unfair, deceptive, or abusive acts or practices in the CFPA. The CFPBs lawsuit seeks to stop the companys unlawful conduct, to provide redress for harmed consumers, and the imposition of a civil money penalty, which would be paid into the CFPBs victims relief fund
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I received your response in my complaint # XXXX and Im the one who submitted a complaint on XX/XX/2022. This account ( XXXX XXXX XXXX ) is reporting on my personal credit file with XXXX, XXXX, and TransUnion ( Credit Reporting Agencies ). This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me.
Product: Credit reporting or other personal consumer reports

PLEASE DONT SEND ME A LETTER SAYING THAT THE INFORMATION WAS VERIFIED This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness. 

Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed. 


Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization Account Name XXXX________ Date open_XXXX_________________ Account Number_XXXX____ Reason for dispute____IDENTITY THEFT Account Amount _XXXX_ Account Name US BKPT______ Date open___XXXX_________ Account Number_XXXX__________ Reason for dispute__UNVERIFIED INQUIRIES THAT ARE ON MY FILE THAT I DID NOT AUTHORIZE XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  account # 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 also states a consumer reporting agency can not furnish an account without my written instructions
Product: Debt collection

Trying to buy a house and get a mortgage. There is a negative thing on my credit report that says I owe over 27,000 . The company that is listed on my credit report is Transworld sys inc/ XXXX XXXX XXXX . I called them to ask them about the debt. The date listed on my credit report was XX/XX/XXXX. I never took a loan from them, never got a letter from them. My last loan I took was in XXXX. The only loan to my knowledge that I owed money on was from key bank. I havent made a payment to them since XXXX. And that loan was for XXXX $ I told them in XXXX when I was having financial trouble that I cant afford the payments. They started to call my XXXX year old daughter cell phone asking for money. Im an emergency room nurse, and was calling my work everyday. I told them to stop and they kept calling and harassing me. So, I stopped paying them. I have paid off, or charged off XXXX $ in school loans since XXXX. And worked hard to get out of debt and own a house again. 
When I called this XXXX XXXX XXXX, they found me in the file but would tell me the loan I apparently took out. I asked for proof of debt, promissory note, etc. they said they didnt see any in my file, and told me they never sent me a letter of debt or settlement. My mortgage loan broker tried calling them, they said they will fax proof of debt, but never faxed them anything. Now they are refusing to talk to me or him. This might cost me this house, stress, is hurting my credit and costing me a higher interest rate. The underwriter wont go threw with the mortgage with this on my credit. Regardless, if this turns out to be from key bank or XXXX, then the last time I made a payment was 5 years ago. What I rdo ad and was told that after 3 years is the statute of limitations. Please help me, rectify this situation, cause I think they have no proof that I even had a loan. Cause if they did, they would send me it, and wont. 
Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX nc XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have viewed my credit reports as of XX/XX/XXXX, XXXX have noticed some account status were not accurate.According to the Fair Credit Reporting Act, when a reporting agency prepares a credit report to shall follow procedures to insure accurate information about individual.These accounts as follow XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have been settled in full, due to COVID. I have reached out to the creditor regarding this matter.
Product: Student loan

On XX/XX/year>, I submitted a consolidation request through StudentAid.gov, along with an XXXX application ( for Pay As You Earn/PAYE ) concurrently. 

The consolidation application was processed by XXXX and forwarded to MOHELA. MOHELA successfully consolidated my graduate school loans. MOHELA then failed to complete the processing of the associated XXXX  application and is asking me to re-submit the application. 

I would like the original application processed as I had requested enrollment with the XXXX payment plan. I will not re-submit a paper application because this is not my responsibility. It is the responsibility of the servicer to access and process this application. XXXX makes it clear that the application was received by MOHELA. It is therefore MOHELA 's duty to access and process this original application. 

In addition, because my loans are currently in administrative forbearance, I am not being credited with XXXX payments for the time that I should have been, all due to MOHELA 's error in processing. I would like credit for the months that I have not made XXXX payments as a result of MOHELA 's XXXX ineptitude.
Product: Checking or savings account

I have a Chime card. Money was withdrawn over an hour every 2 minutes till my account was empty. It started with my wife noticing her XXXX account was locked out and a new email address was added saying it was from New York. We live in Ohio. So she called what she thought was XXXX help, and why she was on the phone with them the money was being withdrawn every 2 minutes to a thing called XXXX XXXX from California it said. I filed a police report and a dispute with Chime. The withdrawal happened on XX/XX/, police report was filed on XX/XX/XXXX, XXXX gave Chime a police report on XX/XX/XXXX when I picked it up. On the XXXX of XXXX, they closed my dispute saying not was wrong. called that night and had it reopened, so I could submit a police report when I picked it up. They have not helped or taken this seriously. I can not pay any bills or feed my family.
Product: Credit reporting or other personal consumer reports

I looked at my credit report on XX/XX/year> & noticed somethings are inconsistent and not accurate. According to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow the mandatorily utilized reporting industrys own Metro 2 Data-filled Field Formatted reporting compliance standards, of which there can be NO DEVIATION without JEOPARDIZING THE INTEGRITY OF THE DATA ( see XXXX XXXX 3-4 ) and as so is lawfully questionable until evident confirmation of all aspect ( s ) of claim ( s ) are factually true, correct, complete, timely, physically verifiable, and elsewise undeniably valid particularly if not certifiably compliant in full according to the above-mentioned XXXX  XXXX formatted industry requirements. With that in mind, please consider the following suspect reported data fields alleged for this now contested reported item of injury : [ XXXX  XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX XXXX XXXX ] *See attached screenshot of all 3 credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and fraud there have been accounts opened in my name that I have not been aware of I checked my credit report yesterday and I have seen several accounts that I never applied for or opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

last month a credit card reported at XXXX which was over the limit and my overall credit usage was 112 % i made sure to pay before the cycle printed so the account would report below the limit. the card is reported at experian as of this weekend at XXXX balance which decreased my overall credit usage to 68 % but my score is the same as it was when it reported at XXXX and 112 % -- called customer service since i have a subscription and was lied to and told ( ON A RECORDED LINE ) that experian DOES NOT SCORE ME THEY SEND THE INFORMATION TO FICO FOR SCORING AND I SHOULD CALL THEM. I was given a phone number to call fico of XXXX -- if you do not have an ext # you can not speak to anyone so i XXXX  cust svc and was able to get a rep who explained there are many different scoring models and without accessing my report she could give me general info -- i told her experian uses fico 8  gave her the information and she stated that a drop in credit usage that significant should have yielded a change in score across almost ALL models -- especially Fco 8 -- and that the rep at experian lied and should not have told me to call them because they should have been able to provide me accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent letters to the credit bureaus asking them to verify the inaccurate and false information on my credit report. After doing so, these negative items are still on my credit report and is impacting my finances very severely. It has been over 45 days and these items are still on my credit report. I feel very taken advantage of and I will file for litigation if I have to. Please resolve these issues with my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit has been pulled fraudulently. Please remove inquiry
Product: Credit reporting or other personal consumer reports

RE : you violated the us code law TILA 15 u.s.code 1666 ( B ) billing Recently I checked my credit report and noticed multiple billing errors under 15 u.s. code 1666 ( B ) ( 4 ) the creditor failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor ( 5 ) a computation error or similar error of an account nature of the creditor on a statement As I know the creditor didn't notify me 21 days before with a statement so there should be no late payment on this account.i demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this clearly a billing error. 
The items below should all be updated to paid as agreed on my consume
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX Balance : {$27000.00} XXXX XXXXXXXX Balance : {$350.00} 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 or other personal consumer reports

I have never given my unwritten, written, nonverbal, and verbal consent for any of my information to be disclosed to anyone or third-party. per USC 6802 I have the right to opt out & I did opt out under 16 CFR 313.7 & under 15 USC 6508 this is another notice, letting yall know that I would like yall to opt me out. This company has also violated the terms and conditions of my statement and have been reporting to third-party credit bureaus. The agencies are as follows XXXX XXXX, XXXX, Equifax, XXXXXXXX XXXX XXXXXXXX. My information is supposed to be private. under 16 CFR 313 privacy of consumer, financial information
Product: Checking or savings account

I did a transaction through XXXX for XXXX to buy some iphones, I never received the iphones and the seller was asking me for more money with the reason that the shipment was caught by XXXX, I realized that this was an scam and I asked them to give me my money back, I opened a claim with Chase and they put a temporary credit on my account but the seller provided them with a tracking information of a pair of shoes they sent to my address as complementary they said in the conversation. The seller erase all the chat, but I was able to save before everything that shows that I did not received the XXXX. The problems is that Chase did not allow me to add my documentation and they removed the credit they gave me back and my account is overdrawn now, I have been calling Chase and XXXX so they can give me a response of where can I send the documents that verify what i said and that I a vicitm of a scam, Between Chase and XXXX they are jumping me to one side and the other and none of them wants to give me a resolution. I am adding the whole chat conversation that I had with the seller as well.
Product: Student loan

XX/XX/year> happened, decreasing XXXX grads and un-surety on employment in the future of those students effected.
Product: Debt collection

This is the third letter and 18 phone calls. I have told them not to call and phone registered on do not call list. Based on a lawyer who had a handling case. They keep sending or calling me and telling me I owe on student debt. All my debt was consolidated in XXXX. Both private and federal and was confirmed by my consolidation company. In the last letter, they now have threatened me to take me to court, file it with the credit bureau and take money out of my income. That they have the legal right to collect on this debt from XXXX.
Product: Debt collection

Repeated calls from CA. I researched and found out it is CMRE financial services. They are a THIRD PARTY debt collector. They need to have proof of debt. Until they can provide proof of ORIGINAL debt I will not speak with them. From now on, they have to provide everything in writing.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Accounts Request for Deletion Dear Dispute Department, I am writing to formally dispute the accuracy of the following accounts listed on my credit report. The information associated with these accounts is incomplete and/or fraudulent and is in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 and 15 U.S.C. 1681m ( a ). As a consumer, I am exercising my rights under the FCRA and Consumer Financial Protection Bureau ( CFPB ) consumer rights to request immediate removal of these accounts from my credit file. 
The 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 I am requesting that these accounts be deleted and permanently removed from my credit report as they contain inaccurate and/or fraudulent information. Under the FCRA, inaccurate or unverifiable accounts must be removed from my credit report within 30 days of this dispute notice, unless you can provide verifiable proof that these accounts are valid, accurate, and authorized by me. 
If you are unable to verify the accuracy of these accounts, I demand their immediate removal and an updated credit report reflecting these corrections. Please provide written confirmation of the actions taken regarding this dispute. 
I have attached a copy of my identification and a recent utility bill/bank statement as proof of identity. 
Thank you for your prompt attention to this matter. I expect a response within the legally mandated timeframe. 
Sincerely, XXXX XXXX
Product: Consumer Loan

I paid off my auto loan on XXXX XXXX, 2016. Tidewater Finance provided me with a pay off amount {$310.00} greater than the balance of the loan. I requested a refund on XXXX XXXX,2016. I have not received the title of the vehicle or my refund. TIDEWTER has told me they have 60 business days to issue my refund and the title. My son is in the XXXX and I need the title to transfer the vehicle to his name prior to him being XXXX. I have called Tidewater more than ten times and emailed my request with no response.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX Account Number : XXXX XX/XX/XXXX Reason : I don't recognize this account Account Name : XXXX Account Number : XXXX XX/XX/XXXX Reason : I don't recognize this account Account Name : XXXX XXXX Account Number XXXX XXXX XX/XX/XXXX Reason : I don't recognize this account Account Name : XXXX XXXX Account Number : XXXX XX/XX/XXXX Reason : I don't recognize this account Account Name : XXXX  Account Number : XXXX XX/XX/XXXX Reason : I don't recognize this account
Product: Checking or savings account

I have repeatedly tried to resolve the issues with direct express and they refuse to give me access to my ss funds for XXXX  months now I've sent my state issued ID my ss card my birth certificate everything they have asked for I give them all my info when I call only to be told they can't verify my identity they can't seem to send a code to a phone I've had for XXXX  years or any email address I give them and they just refuse to cooperate I've done everything I've been asked and everytime I call I'm told I have to email them my information and wait I'm XXXX that is all the money I have and they are trying to keep it there has to be someone who can help me get my now XXXX  months of ss benefits totaling almost XXXX  dollars from them cause they refuse to give me access to my money that I dearly need
Product: Credit reporting or other personal consumer reports

There are UNAUTHORIZED and FRAUDULENT inquiries on my credit report ( XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX ). I am not the one who initiated these inquiries. I am submitting a complaint regarding these inquiries and for assistance to REMOVE them from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information on credit report with a collection agency that is reporting a recent open account accounts been close for over seven years and just got re-opened in 2022
Product: Debt collection

ENHANCED RECOVERY CORP XXXX XXXX XXXX years in business Headquarters XXXX XXXX, FL XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you ENHANCED RECOVERY CORP or any company associate with this account and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to XXXX of XXXX. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt XXXX give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : ENHANCED RECOVERY CORP or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX XXXX XXXX ADDRESS XXXX, XXXX, FL 32907