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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the negative items that appear on my credit report from your company. I am emotionally distressed by the presence of these accounts, which have negatively impacted my credit score and have made it difficult for me to obtain credit. 

Firstly, I dispute the charge off account from XXXX XXXX ( XXXX ) and the late payment account from XXXX XXXX ( XXXX ). I believe that these accounts were not accurately reported and do not reflect my creditworthiness. Furthermore, I am requesting that these accounts be removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

Secondly, I dispute the charge off account from XXXX XXXX XXXXXXXX ( XXXX ), the collection account from XXXX XXXX XXXX ( XXXX ), and the charge off account from XXXX ( XXXX ). I am unaware of these accounts and have not received any notification or correspondence regarding them. I am requesting that these accounts be investigated and removed from my credit report if they are found to be inaccurate or fraudulent. 

Thirdly, I dispute the charge off account from XXXX XXXX XXXX ( XXXX ), the late payment account from XXXX XXXX XXXX ), and the charge off account from XXXX ( XXXX ). I believe that these accounts were reported inaccurately and do not reflect my creditworthiness. I am requesting that these accounts be removed from my credit report in accordance with the FCRA. 

Lastly, I dispute the charge off account from XXXX ( XXXX ), the late payment account from XXXX ( XXXX ), the charge off account from XXXX XXXX XXXX ( XXXX ), and the charge off account from XXXX XXXX ( XXXX ). I believe that these accounts were reported inaccurately and I am requesting that these accounts be removed from my credit report in accordance with the FCRA. 

I urge you to investigate these matters thoroughly and respond to me in writing with your findings. I am confident that these disputes can be resolved in a timely and fair manner in accordance with the law. 

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

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved regarding all affirm accounts .The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian , alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit card

This acccount does not belong to me and I have disputed repeatedly with t he bureaus and they have completely disregard all my disputes!!
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX according to XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY
Product: Credit reporting, credit repair services, or other personal consumer reports

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX LIED TO ME AND SAID A COLLECTION WAS REMOVED FROM MY CREDIT REPORT AND IT WAS NOT. THE COLLECTION IS XXXX XXXX XXXX 

I HAVE DISPUTED THE COLLECTION, THEY SAID THEY REMOVED IT YET IT IS STILL ON MY CREDIT REPORT. 

I WAS RECECNTLY DENIED A HOUSE BECAUSE OF THIS. I AM SEEKING MONETARY RELIEF OF XXXX, BECAUSE IT HAS CAUSED ME TO BE HOMELESS. 

I ALSO DISPUTED FRAUDULENT INQUIRIES, AND YET THEY ARE STILL ON MY CREDIT REPORT AS WELL.
Product: Credit reporting or other personal consumer reports

This is NOT a fraud complaint. Do not place a fraud alert in my credit file. 

I have challenged the reporting of a bankruptcy on my credit report XXXX separate times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I demanded each and every document that they have in their physical possession on each of those dates. This demand was made pursuant to the FCRA 15 UCS Section 1681g. They were specifically asked not to merely state that is has been verified as this is not in compliance with the law. This must be done in XXXX XXXX Format reporting. 

In the event they did not have any documentation in their physical possession as of the date of these demands, under the Fair Credit Reporting Act Section 1681 ( i ), ALL unveried accounts must be promptly deleted. Moreover, I disputed the validity of each of the bankruptcy, under Section 611 ( a ) ( 5 ) ( A ) ( i ) of the Fair Credit Reporting Act. 

If they do not have any documentation in their les to verify the accuracy of these disputed accounts, they are required to delete them immediately. Failing to do so is damaging my creditworthiness and reputation. 

I demand the bankruptcy be properly verified with physical documentation and in XXXX XXXX Format reporting ( and not just verified through a 3rd party ) or it MUST be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized accounts on my credit report by all three Credit Bureaus ( XXXX, TransUnion, XXXX  ) XXXX XXXX  XX/XX/XXXX, XXXX, XXXX/XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  /XXXX  XXXX XX/XX/XXXX. Which violates Section 604 of the Fair Credit Reporting Act ( FCRA ) sets forth requirements, called " permissible purposes, '' that must be met before anyone can inquire a credit file. A few of the most common permissible purposes are : In accordance with the written instructions of the consumer to whom it relates.
Product: Debt collection

I have asked Midland to validate this debt as mine and they have not sent anything saying I agree to pay this.
Product: Vehicle loan or lease

The United States Corporation is Bankrupt. Corporation. Capital One refuses to accept negotiable instruments. Capital One has no standing in on this retail installment contract as they have no signature or a representative on the retail installment contract.
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 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 items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX 2021, my credit was affected by XXXX XXXX XXXX and Equifax. 


Equifax mixed credit files with a person similar to my name and they refuse to fix it. 

Upon further review, XXXX XXXX XXXX placed inaccurate/unverified collection for {$660.00}. 

I sent a debt validation letter and XXXX XXXX XXXX sent me a printed bill, without my social security or wet ink signature. 

Furthermore the address is unknown to me, as this is not my address. 

According to the FCRA FAIR CREDIT REPORTING ACT this bill does not constitute proper validation. 

I want XXXX XXXX XXXX to delete this inaccurate information from my credit reports XXXX XXXX and Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have never had a mortgage in my life.
Product: Prepaid card

This is a lot of lying about my benefits by bank of America employees and they tell me last few months that there is money on this card XXXX and XXXX including mailing me XXXX twice recently so there is money there so why are they concealing my benefits from me You must open up my card XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report. Upon reviewing my report on XX/XX/XXXXXXXX XXXX XXXX I noticed that certain accounts contain incomplete and incorrect information. 

Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy when preparing consumer reports. However, the following accounts are reporting incorrect information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The specific inaccuracies include : Incorrect open date Incorrect date of last activity Incorrect date of last payment Enclosed are copies of relevant documents supporting my dispute. I appreciate your prompt attention to this matter and look forward to your response.
Product: Student loan

FROM XX/XX/XXXX TO XX/XX/XXXX Making payments to XXXX at {$300.00} a month starting in XX/XX/XXXX. When the Student loan forgiveness act was to be introduced they created Navient to handle services, avoiding the forgiveness act. 

Being a XXXX XXXX i am eligible for dept forgiveness after 10 years. I am currently 7 years from retirement. I believe they deliberately split Navient off to continue to reap gains on payments thus taken the onus off them! In steps Navient to continue to deny any payment to the forgiveness act. 

They say the only way is to refinance. In steps XXXX through XXXX XXXX XXXX. 


Its a shame that the XXXX XXXX XXXX let this happen, corprate greed has destroyed this country.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question & they are negatively impacting my credit profile. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days!

These fraudulent accounts are not only damaging to my credit profile but also causing me a significant amount of stress and anxiety. I have no connection to these accounts & urgently seek their immediate removal to prevent any further harm to my financial well-being.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the collection agency, filled out and notorized their own form, this was not me, I did not live here, also is using my maiden name, collection in XXXX, may maiden name changed in XXXX, I had printed and sent a full year covering all of XXXX utility bills from where I was living, and sent their form to their legal department, no response, have contacted them through email and by phone, with my XXXX XXXX XXXX representative, no response, this collection of {$5000.00} was not me, and needs to be taken off of my credit with all of the derogatory remark. They sent me a copy of a ledger from the now closed down apartment complex, no ID, with my maiden name and another person, whom I do not know, so that is why I emailed my water bills from the time period they gave the collection for.
Product: Credit card or prepaid card

Account  XXXX   XXXX   XXXX  I was hit with a late fee and interest charge on  XXXX   XXXX  when I paid my bill just a few days late, due to difficulty with your website. Given my longstanding loyalty  to Amex ( bo th business and personal ), I would greatly appreciate your assistance in waiving these fees.
Product: Credit card

On XX/XX/XXXX, I requested a credit limit increase online for my Fidelity credit card ending in XXXX. A few days later, I noticed that my credit score had decreased by XXXX points. Today I called Elan by phone and learned the following : 1. My request was denied because a credit file was locked. They refused to say which bureau or even which person. They advised me to check all six. 
2. Even though I am the primary cardholder, an attempt was made to pull my wife 's credit reports as well. Her credit scores also suffered severely. 
3. No notification was given to me by phone, email, or text message about this issue.

4. All inquiries made were " hard '' pulls, even though a soft inquiry would have yielded the needed information.

5. When I asked for a copy of the disclosure where I was supposedly informed that a hard pull would be performed, I was denied.

6. When I asked for a copy of the consent where I supposedly gave permission for a hard pull to be performed, I was denied.

7. If I choose to reapply for the credit limit increase, additional hard inquiries will be performed against my, and my wife 's, credit reports, even the the one that were not locked. This would cause further damage to my credit scores.

8. Five days later, I am still waiting for the official denial to arrive by snail-mail.
Product: Debt collection

I was harrased at my place of employment by this company and after asking them to remove the number they continued to contact me. They spoke to my co-workers about my information without any consent.
Product: Vehicle loan or lease

This concerns an auto-loan with Bank of America XXXX 

Since taking on this loan XXXX years ago, we have paid via Bank of America 's XXXX XXXX XXXX feature. Through that option, we have been making automatic payments from XXXX of our current accounts with another bank. 

For reasons unknown to us, the automatic payment was not made on XX/XX/XXXX. The current account from which the Bank of America autopay had been drawing has more than sufficient funds. It looks like the system simply did not carry out the scheduled payment. 

After receiving notice of a delay in payment and the levying of a late fee, we looked at the Bank of America account, and our " XXXX '' had been removed. It is simply not there. 

This is the XXXX  time we have experienced this with BoA. Last year the " autopay '' instructions on our credit-card account with the bank did the same thing. The bank eventually waived the fee. But it took several hours of our time to resolve this.
Product: Checking or savings account

My ATM card was replaced by wells Fargo bank XXXX time in one month because somebody stole my debit card
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXXXXXX XXXX XXXX - ACCT # XXXX, HAS VIOLATED MY RIGHTS. IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  XXXX XXXX XXXX - ACCT # XXXX, HAS VIOLATED MY RIGHTS. IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXXXXXX - ACCT # 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. 

I have no knowledge of these inquires/Collections of my credit report. Please DELETE ASAP!!! 

***HARD INQUIRIES*** 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 {$740.00} XXXX XXXX XXXX {$2600.00} XXXX. XXXX XXXX XXXX {$260.00}
Product: Debt collection

This was from credit theft. Tried to fix with the company and they still sued me. I never got the notice to appear in court. I got notification from my employer that I was getting my wages garnished. I was sued for {$1400.00} approximately. I got notified that it has been paid from my payroll department that is alleged debt was paid in full. I have been checking my credit report quite often and noticed that Midland Credit Management states I still owe them the amount of {$130.00}. I sent them a letter disputing this and after a month they replied back it stating its accurate. They refuse to update and delete this debt. They only sent me an itemized bill. Nothing with my signature proving it was mine.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act 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 would like to dispute the following errors on my credit report ive noticed several inquiries on my credit report that I did not authorize. please investigate the following inquires which are affecting my XXXX XXXX and standing. the following are 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 Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed a bankruptcy that was on my credit report. XXXX could not verify, so XXXX deleted from my credit report. XXXX  and Experian has not deleted this inaccurate, outdated information that is unverifiable. They only sent me a electronic admission stating it was verified, not wet signature verified, no info verified with the courthouse in which it was showing on my credit report, the court house said they specifically will not and do not share information to 3rd parties, or to any parties. I ask for this bankruptcy to be deleted from XXXX  and Experian. Started the dispute XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon review of my FICO with XXXX  XXXX XXXX, with no delinquent payments and excellent credit. My credit score dropped an unimaginable 24 points at once!!!!! The justification stated that the change in score was due to " lack of auto loan and installments, '' I paid off my auto loan with XXXX in XXXX ofXX/XX/2020. This is totally unacceptable and not fair. I've been penalized in the past for paying off balances in which my score would drop by 7-8 points. This decline in score puts my rating at XXXX. It's frustrating and totally unfair to be reprimanded for doing the right thing in not accruing any debt. XXXX said it's the credit company TransUnion, and TransUnion sent me back to XXXX each pointing the finger at the other. My anxiety level and XXXX XXXX increases at the thought that in doing the right thing by ensuring I don't carry debt I get punished for paying off my bills. In this environment I don't want to worry about owing money especially with me managing my spending I can use savings to assist someone in need. 
Please help in to understand how this continues to happen to me, that my score changes on such a consistent basis and i refuse to take out unwarranted loans or credit cards i don't need. Thank you for any assistance you can provide.
Product: Student loan

I made over {$5000.00} in payments to Sally Mae then Navient. what happened was Sally Mae was banned from servicing student loans so they changed their name to Navient, from what i understand. I called Navient every month to make the payment and when i asked how much i needed to pay Navient told me I needed to pay an amount of {$61.00}. The problem I learned much later after making almost 10 years of payments was the payment I made didn't even cover the interest accruing on the loan. Navient never informed me of this or told me the payment I was making wasn't enough to even cover the interest. So an original loan of a little over {$8000.00} tht i had paid over {$5000.00} in payments was now over {$16000.00}. I then transferred my loan to the Department of Education because i was so upset with Navient and navient had the Department of " education purchase the loan for {$6500.00}.