23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have submitted several disputes to Experian for over 6 months now ; disputing the inaccurate, misleading, and unverifiable information listed on my credit report from multiple creditors. I have asked Experian on multiple accounts to remove any and all addresses, as well as personal information that does not belong to me, nor that I have ever lived at, and Experian will not acknowledge my request. Experian has continuously sent me a response to every dispute I send them, almost immediately refusing to thoroughly investigate the accounts because I have " previously '' disputed the accounts and they came back verified. My initial dispute was submitted in XX/XX/2015. I have sent a dispute every month since then, re-disputing the accounts with more information, or with a different reason as to why these accounts should be removed immediately. I have also requested method of verification, as well as proof of verification, and they have completely disregarded my request and thrown out my investigations entirely. I do not know where to begin in regards to having this matter resolved as I am constantly having to face an uphill battle with a company who is proving they are not abiding by the law and completing a full and thorough investigation. I am requesting that you please look into this matter and have Experian complete a full and thorough investigation of the accounts listed in the attached letter. I have sent them certified/registered mail with return receipt every month, and I know they have received my disputes because they reply back with the letter indicating the dispute will be disregarded to being previously investigated. Which I am aware of, but I am giving a completely different dispute reason every time. Please assist. I thank you for your time and help on this matter. Under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Product: Credit reporting or other personal consumer reports

Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next XXXX  days. Enclosed are the pertinent documents for your thorough review and reference.
Product: Credit reporting or other personal consumer reports

I am filing this report with the CFPB to formally dispute several unauthorized accounts listed on my credit report. I am a victim of identity theft and request that these accounts be blocked from my credit file under Section 605B of the Fair Credit Reporting Act ( FCRA ) .According to this law, you are required to block fraudulent information on a consumer 's credit report within four ( 4 ) business days after receiving appropriate documentation. My personal information was exposed in the EQUIFAX DATA BREACH. PLEASE REFER TO THE EQUIFAX DATA BREACH SETTLEMENT REFERENCE NUMBER TO VERIFY MY VICTIMIZATION specifically 15 USC 16821c-2 ( a ). I am entitled to request that my accounts be blocked and deleted due to the unauthorized access to m personal information. The breach has compromised my data and I am concerned about the identity theft and misuse of my information. Please find my details below for your reference. Full Name : XXXX XXXX Social Security Number : SS # XXXX Date of Birth : XX/XX/year> Current Address : XXXX XXXX XXXX XXXX XXXX XXXX California XXXX XXXX I kindly request that you take immediate action to block and delete all accounts that have been compromised as a result of this data breach. Additional, please provide me with written confirmation once this has been completed. If you require any further information or documentation to process my request, please do not hesitate to contact me at the phone number or email address listed above. Thank you for your prompt attention to this matter. I look forward to your swift response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a complaint about an item on my credit report being reported inaccurately. 

Oriiginal complaint : This should be reported by law until XX/XX/XXXX. Account info Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Education Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed/Never late. Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment {$0.00} Original balance {$20000.00} Highest balance {$0.00} Terms NA On record until XX/XX/XXXX. 

Company Response : In response to your request, the following actions were taken on your credit file : You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. XXXX XXXXXXXX XXXX  XXXX. 


The item was placed back on my credit report as acurate and updated. The company has still not listed my account as opened as of XX/XX/XXXX which they say is accurate and updated.
Product: Credit reporting or other personal consumer reports

It has come to my attention that my personal information has been exposed in a national data breach. Reviewing my credit reports, I noticed some accounts I am unfamiliar with. I have asked the CRA 's for validation of debt, however, the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with. 

Please find attached a copy of my ID, the FTC report, a copy of the XXXX report showing my information being exposed in a national data breach, and a validation of debt letter.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

CREDIT MANAGEMENT LP nevered contacted me and I do not owe this debt. I asked to be provided with agreement with my wet ink signature and they have yet done so.
Product: Debt collection

Security Finance is in major violation of the FDCPA they've contacted my co-worker " XXXX XXXX '' regarding an account. 

According to section FDCPA Section 805 ( b ) this is against federal law! 

This is deemed a violation of the " FDCPA '' calling any third party about your debt such as friends neighbors or relatives.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

I'm tired of the disrespect. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Complaint Regarding Improper Use of Credit Report by Experian Dear CFPB, I am writing to formally submit a complaint against Experian regarding the improper use of my credit report. 

Details Ive sent all of my supporting documents to Experian, for my claim in regards to an address listed on my report that I've never resided at. Address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. I know how there process works. They don't want to remove any information from my credit report.they get paid for any and all inaccurate information on my report. Also they get paid when items are disputed online as well. I've sent, My Driver 's License, Utility Bill, Car insurance 2 FTC reports as well as today 's XX/XX/year> On XXXX improper use of my credit report. This hasn't done anything but cause significant distress.

I have taken the following steps to resolve this issue : contacting Experian, disputing the information, etc.

Despite my efforts, the issue remains unresolved. I believe this constitutes a violation of the Fair Credit Reporting Act, and I am requesting your assistance in addressing this matter.

Please find attached copies of all relevant documentation.

I appreciate your attention to this matter and look forward to your prompt response.

Sincerely, Also they don't care if you have supporting documents they gon na do what they want.
Product: Debt collection

I received a phone call at XXXX XXXX.i block out the number and they still try to call.
Product: Credit reporting or other personal consumer reports

They still have an account open they are not removing they refuse to remove an education account that is closed and they experian no its closed but on my credit report its status is open its been closed but states open from year 2003 Please have them update this error
Product: Credit reporting or other personal consumer reports

The persistent presence of fraudulent and inaccurate information on my consumer report continues to cause significant disruption in my life, despite my numerous attempts to resolve these issues. As a victim of identity theft, I never authorized or consented to these entries being associated with my name, yet their ongoing presence has generated immense stress and XXXX  while severely impacting my financial stability and everyday wellbeing.
Product: Credit reporting or other personal consumer reports

Below is information Ive identified on my credit report that needs to be deleted from your records immediately. Furthermore, as you can see from the information above, your agency is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting the original purchase agreement; I am requesting the original purchase agreement that shows I am the legal owner of this debt. Please include all terms and conditions that are included in this purchase agreement.
Product: Credit reporting

there was a bank account open in my name at XXXX XXXX XXXX, that is now close due to fraudulent activity and now i ca n't open any type of bank account because of this. my identity was stolen when i lost my wallet and phone a couple months prior to this. when you call the social sercurity place to report a lost social all they do is give you a replacement but ca n't tell you if things have been open with your information.
Product: Debt collection

During a phone call on XX/XX/21 at XXXXXXXX XXXX XXXX  with Sunrise Credit Services , Inc . I requested a copy of the invoice or bill they were calling about because I believed it was paid. The agent continually instructed me to go to their website, which I explained I had first attempted when I received their letter and was taken to a foreign website which I was not comfortable with. She aggressively told me to get on the computer and listen to her. I again stated I wanted a copy of the invoice mailed to me for review and that I didnt want to view it on line as I was not comfortable with their company website, She again told me to be quite and listen to her instructions. I again told her it was my right to request a written copy of the invoice. She loudly told me I needed to listen to her and do as she said. I told her I was going to file a complaint regarding her attitude and she hung up. 
The mailing address of the company is XXXX, NY, but the website www.sunrisecreditservices.com goes to a foreign site. I feel this is a deceptive firm that is not abiding by US laws and regulations.
Product: Mortgage

I Applied fir loan modification on X/XX/17 first I was told I did not qualify for any programs because I have a up side down loan a rental property and a investor backed loan then a different person came on and told me they had a new program called flex modification I could use but I would have to be 60 days late to use it and they sent it to me by mail and on line on XXXX / XXXX / 17 I called with a question on the paper work and she told me my account did not qualify for any modification I could fill out paper work but it would not do any good I have XXXX XXXX and this news greatly affected my condition I thought there was hope after being turned down several times that I could get out of my XXXX XXXX questionable loan that was 10 year interest only until XXXX 2017 then it became a p & I loan that adjusts every 6 months and just went, up over 600 a month with payment and up keep I am paying out of pocket and as rates continue, to go up things will get worse I need the extra income to cover expenses mislead by by Nationstar
Product: Credit card or prepaid card

There was a XXXX XXXX account opened not by me XXXX XXXX. I nevered received any mail or card from this company until I pulled my report and seen the account on there. I called several times sented several letters also complaining to CFPB FOR THE 2ND TIME. This account is only showing on 1 credit bureau which the other 2 found that the account was not mines or coming back variefied. I asked for verification and they sending me billing statements nothing with my signature on it or a photo copy of my id.
Product: Debt collection

I had a card Upromise XXXX account ending in XXXX and apparently from XXXX payment from my account I am being held responsible for this account. I am a victim of ID THeft and I would appreciate this card to be handled under that protocol.
Product: Debt collection

Please remove all accounts listed, my information was compromised in a XXXX XXXX. This debt has not been validated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not contracted any loan or loans
Product: Debt collection

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 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 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 ) (! ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate. 

This company is a debt collection agency trying to collect on a debt that was purchased you purchased a debt it is now yours. This company has no contract with my signature showing that I entered into an agreement with a witness present stating that I owe them or have any agreement with them. When asked for proof the company only provides statements from the company whom they purchased the debt from. A statement is not a signed contract with my signature please show me and provide validation on an actual agreement that I have with you.
Product: Credit card or prepaid card

On two past occasions ( within a year ) I learned that I had missed payments from my Citi Advantage Credit Card. I wasn't sure because I am very organized and we always pay our bills on time and pay off the entire amount. This particular credit card, we rarely used too so it always had a very small balance ( normally, less then {$50.00} ). On the 2 occasions I was told I had signed up for paperless statements which I do not recall at all and would not have done that on purpose. I like paper copies because I note when I make payments and I like to write down when I made the payment and I file it away. This past month ( XXXX ), apparently it happened again. I called and asked to have the late fee ( {$25.00} ) and interest ( XXXX cents ) removed and they said no because they had removed it 2 already within the year. The credit card bill total was for for {$52.00} plus {$25.00} plus XXXX cents. I closed the account immediately but they still refused to credit late fee and interest. 

I told them that Citi has designed their website so when people first login to their account they " purposely '' and willfully attempt to get consumers to click on paperless. I think this is more than an attempt to save money from just sending electronically vs sending via the mail, I would argue that Citi is making large profits off this when people receive these late payments and either just pay them off or refuse to go to the trouble to fight it like I am. I believe this could be huge and could help many others. Companies should have to have 3 alerts to ask you if you are sure you want to receive paper copies. They want this to happen.
Product: Debt collection

My top secret security clearance was cancelled due to information my company received from American Express regarding charges on my company credit card. I have asked for signed charge slips for all charges, especially the obvioius fraud to XXXX for over {$16000.00}. I plan to file a police report. In the past I have asked for explanation for these charges but have never received them. I am hoping CFPB can help me clear my name.
Product: Credit reporting or other personal consumer reports

Dear CFPB, Re : Consumer reporting agency refusing to remove address and phone numbers.

Isn't true that under the fair credit reporting act, a credit reporting agency has thirty days to investigate my disputes? 

I have sent several letters informing XXXX, XXXX and Experian regarding inaccurate addresses, the addresses are inaccurate because I've never lived at these locations. I have included multiple forms of identification confirming the correct address. There are also phone numbers that do not belong to me on my credit profile as well. I have not received any response from them, The inaccurate information remains on my credit profile. 15 USC 1681 ( b ) states it is the purpose of this subchapter to require that the consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the CONFIDENTIALITY, ACCURACY, RELEVANCY, and proper utilization of such information in accordance with the requirements of this subchapter. This is the consumer agencies duty to provide correct information. They are violating the law and willfully non-compliant.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiry : XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

Credit card airline I have no idea whats this is! Its not mine I never did anything with a card but one
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$250.00} XXXXXXXX XXXX XXXXXXXX Balance : {$2700.00}
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. 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 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 customer.
Product: Debt collection

I do n't know what this is.. I paid all debt off!!
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Product: Money transfer, virtual currency, or money service

Hello my name is XXXX, PayPal has recently closed my account FOR NO REASON that's holding {$730.00} in my balance for 180 days. I have reached out to them through customer service twice and have been rejected both times for help. I am not sure if this is some mistake as I assume it has to be. I feel as though this is strongly wrong and they are holding a large amount of my money which is effecting me greatly. If anyone see this please help me out!!! My Email Linked To My PAYPAL Account is XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

I understand that it is my right to obtain a copy of my rental report, under the Fair Credit Reporting Act. I am requesting a copy of my XXXX report sent to me via mail.