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

I want the following consumer statement immediately deleted from my XXXX XXXX, Experian and XXXX  credit report : I have never resided in the state of Minnesota and has resided in XXXX XXXX North Dakota since XX/XX/1974
Product: Credit reporting or other personal consumer reports

On or around XX/XX/year> a credit report was pulled by a Chase Mortgage representative without my knowing and or authorization. I went in to the Chase bank near where I live and filed a complaint but was told not to worry because they did not believe a report was pulled. A couple days later I found out the report was then mail to an address that is not in my file. On or around XX/XX/year> I spoke with one other Chase Mortgages mangers. I told her what happened, provided the name of the representative that did the report hard pull and that I wanted the inquiry pulled. The Manger said that an investigation would need to be done before the pull could be completed. She said she would call back on the coming XXXX XXXX came an went and she never called. I it now XXXX XX/XX/year>. I have called numerous time for an update on the investigation and to ensure the inquiry is pulled. But I keep getting told that there needs to be an investigation. When I ask to have the matter escalated, the called gets disconnected on their end. 
All I want to have the inquiry pulled and know the results of the investigation. There is no reason why this should have happened in the first place.
Product: Debt collection

NAR, INC is trying to enforce a settlement judgement and execution of writ on judgment proof assets and income as my only source of income has been XXXX. Repeated harassment at my residents which recently my landlord office received complaints from neighbors that a constable service from XXXX XXXX, who continues to bang on the door and altering my door by taping up the door with notices. This is my residents but I do not live in my unit for my own safety as I stay elsewhere. However, I am receiving contact from the landlord office about their constable service disturbing the peace at this community residence.
Product: Credit card or prepaid card

Bought item and returned the credit company is not refunding money. 
XXXX XXXXXXXX # XXXX amount is {$110.00} and bought XXXX XXXX. 
XXXX  XXXX # XXXX amount is {$70.00} and bought XXXX XXXX. 
XXXX is {$180.00}. 
Th above XXXX items ordered and returned to the merchant Return Receipt with tracking number provided to Citi Bank dispute team. But Citi Bank XXXX department denied refund and saying I did return items and I'm responsible for {$180.00}. They were saying that they were going to report to the all XXXX major credit card agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a 30 days late payment in XX/XX/XXXX and XX/XX/XXXX XXXX XXXX   acoount # XXXX.I was never late.The information is incorrect.
Product: Debt collection

I received a letter from XXXX XXXX XXXX XXXX XXXX threatening a lawsuit over a cash advance loan that I have no recollection of ever getting.
Product: Debt collection

In 2009 XXXX and XXXX " represented '' XXXX whom had purchased a debt from XXXX XXXX whome purchased from XXXX Bank, and the representative prior to us meeting with the judge coherced me to sign a settlement form by stating whom did I think the judge would believe me or her an attorney and besides since I was going through a divorce at that time most likely I would file bankruptcy and as head of household no one could ever come after me. NO ONE EVER VALIDATED ANY DEBT AMOUNT. Then I recently had Rosen and Pollock try to garnish my wages stating I owed XXXX ( per a XXXX XXXX ) Then when called on this to complete a payoff a XXXX informed me that I neglected my debt I had a contract with them, she mentioned that she was an attorney, an attorney representative and also XXXX that is no longer around. The problem all along with this was that the XXXX XXXX institute did not honor their contract and by breaching that contract I should not pay for a XXXX for which I can not use. I get the run around with lasik and any credit to be offered has to be through them and routed accordingly. I dont have a problem paying what is fair and just but not the almost XXXX XXXX stated I owed because I had not paid my bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

What happened? the credit bureaus has updated the following accounts on my credit profile but, they have still failed to provide me with an original signed contract with my signature on it. Under the FCRA section 609 & 611. the credit bureaus has violated my consumer rights by not adhering to the law, Section 611 ( S ) ( A ) states you are required to promptly delete all information which can not be verified. The definition of verify, according to the black law dictionary is to confirm or substantiate by oath ; to show to be true. Particularly used of making formal oath to accounts, petitions, pleadings, & other papers. Contract law states that only way to contest an affidavit is to respond another affidavit. According to the black law dictionary an affidavit, a written or a printed declaration or statement of facts, made voluntarily in confirmed by the oath or affirmation of the party making it, taken before an officer having authority to administer such oath. The credit bureaus failed to respond to my previous sworn statement if of dispute affidavit with another sworn statement of dispute affidavit which is against contract law. Also, section 605-B ( a ) block. Except as otherwise provided in the section, a consumer reporting agency shall block the reporting of any alleged identity thief, not later than 4 business days after the date of the receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity thief report ; furthermore, under the FDCPA section 809 states if the consumer notifies the debt collector in writing within the 30 day period described in subsection ( a ) of this section that the debt, or any portion thereof is disputed, or that the consumer request the name or address of the original predicator, the debt collector shall cease collection of the debt or a copy of a judgement, or name and address of the original creditor, is mailed to the consumer by the debt collection. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. If the following accounts and inquiries are not deleted immediately from credit profile. PLEASE IMMEDIATLELY PERMANENETLY DELETE THE FOLOWING ACCOUNTS AND INQUIRIES FROM MY CREDIT PROFILE UNDER THE FCRA SECTION 609, SECTION 605B, SECTION 611, AND FCDPA SECTION 809 I want the CFPB
Product: Credit reporting or other personal consumer reports

INACCURATE OR UNVERIFIABLE INFORMATION IS BEING REPORTED ON MY CREDIT CONSUMER FILE. PLEASE DELETE PER UNDER FCRA 15 U.S.C SECTION 1681i, I HAVE THE RIGHT TO REQUEST DELETION OF INACCURATE OR UNVERIFIED INFORMATION LOCATED INSIDE OF MY CONSUMER FILE. YOU UNDERSTAND THAT PROVIDING INACCURATE INFORMATION TO CREDITTORS SEEKING MY REPORT IS DAMAGING TO MY REPUTATION AND CREDIT WORTHINESS. THEREFORE, I AM ASKING FOR IMMEDIATE DELETION OF THESE ACCOUNTS FROM MY CONSUMER FILE OR THE DOCUMENTATION WHICH YOU USED TO VERIFY THAT THESE ITEMS ARE ACCURATE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been attempting to challenge these claims in my report, but my challenge has been disregarded. I'm asking you to check into this situation because the FCRA mandates that you do so. I shall be forced to think about legal action if you don't abide by the FCRA 's requirements. 
XXXX XXXX Balance : {$180000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$37000.00}, XXXX XXXX XXXX Balance : {$25000.00}, XXXX XXXX Balance XXXX {$0.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$3800.00}, XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$620.00}, XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Citibank put a hard inquiry on my credit report from XXXX. I already have a Citibank best buy credit card which I opened in XXXX or XXXX. And I have a hard inquiry on my report from XX/XX/XXXX when I opened it. all of a sudden now they put Another inquiry on it. I want it removed immediately. I tried to get in touch with someone there to help me. Why would I get a new inquiry when I'm already an active customer. This caused my credit score to drop. And it's not right at all.
Product: Student loan

In XXXX, I consolidated my student loan after seeing from the studentaid.gov website that consolidation is better for counting payments against XXXX XXXX XXXX XXXX ( PSLF ). So, I filed an application for loan consolidation and during the process there is an option to select XXXX XXXX XXXX ( XXXX ) options. I chose the XXXX plan which I was already on prior to submitting this consolidation application. After the loan consolidation, the loan is not on standard repayment plan which almost doubled my monthly payment. The studentaid website still says that my XXXX application is pending. I called Mohela, my loan servicer multiple times and every time they told me to wait and call back later. My payment is due by XX/XX/year> and Mohela still says that they haven't processed it. I called today to find out what's going on and they said that due to the recent court/legal activities regarding XXXX plan, they are not processing any applications. All student loan accounts that are on XXXX plan currently don't have to make a payment until there's further decision/ruling and their accounts are not accruing interests. However, since my IDR application is still pending and Mohela is not processing my application since XX/XX/year>, I can only request to be in forbearance which accrues interest. Can you please help Mohela process my XXXX application as soon as possible? It's unfair that I was recommended to consolidate my loan and right after I do that I can't no longer to be back in the XXXX plan any more and my payments are doubled.
Product: Debt collection

XXXX XXXX XXXX ( as XXXX XXXX XXXX ) is committing fraud in their serving process. According to their client XXXX and XXXX, I was served properly on XXXX XXXX with a lawsuit by a person named " XXXX XXXX '' Upon calling and searching for a way to contact XXXX ( as XXXX ), I have asked for the full name of this person who supposedly served me which leads to a circle of the attorney for XXXX and XXXX XXXX XXXX and XXXX ( as XXXX ) telling me to call the other party about the server 's full name. 

I am at my wits end with this matter, due to the fraudulent service of this company 's employee leading to a default Judgement against me from a lawsuit that I was n't able to defend myself from. 

The fraudulent service in question is listed on the sheet as being in person on XXXX XXXX, however in addition to this being completely false, the description of the person listed on the process form is false. 

The company 's name is listed on the documents, however they company wo n't give me the person 's full name, their client wo n't give me the person 's name by telling me to refer to the Proof of Service form. There also is n't a signature on the form from theThis company is acting fraudulently and XXXX ( as XXXX ) should be found liable for violation of the FDCPA for falsifying information on legal documents in order to obtain a false judgement. Even the phone number that was listed on the legal documents was false.
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 consumer. Listed below are the accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph XXXX, XXXX XXXX ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph XXXX ). 

A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act
Product: Credit card or prepaid card

I sent two letters to this company and they have failed to respond. I need them to validate these accounts by supplying everything I asked for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Got the email about the XXXX data breach. Have been getting emails about my credit score decreasing from XXXX ( about 3 emails in the past 2-3 weeks ). One email said it was due to a new account being opened, which I did not do. 

Waited for some of the dust to settle after the data breach announcement, tried to check my report with transunion. After entering all the sensitive data, which does not make me feel good in the first place, got a message about the request not being able to be serviced due to an overload on the system. ( why could n't this information be conveyed before all the sensitive data is transmitted??? ). 

It has been less than a year since my last credit report at XXXX, and I hoped that XXXX had fixed the problem and decided to try to request the credit report from them. Got a similar message about the server being overloaded due to the high volume of requests. 

I should n't have to pay for a credit report because one of the top companies supposed to be charged with protecting the data gets hacked. Guess I 'll have to wait till most of the damage is done if I am a victim of identity theft.
Product: Credit card

On XX/XX/2024 I received a XXXX XXXX business debit card in the mail which was issued by XXXX Bank. I did not request this card. My credit is frozen at XXXX, XXXX, and XXXX however in XXXX I see the following soft inquiry which looks related to the fraudulent issuance of this card : XXXX XXXX XXXX Inquired on XX/XX/2024 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX I do not wish to activate this card and I want this account closed and all record of it erased.
Product: Credit card

I applied for American Express Gold card on XXXX. I got a letter indicating that I have been deined due to FICO sorce with a 3rd party agency. Regardless of the reason for being denied. I have the right to credit. Withholding my access to my securities is securities fraud. They are violating the Equal Credit Opportunity Act and Consumer Credit Protection Act. Since they are denying me access to my credit, please retract my application.
Product: Debt collection

I was contacted by a company on XX/XX/year> stating that I owe {$1600.00} to XXXX XXXX XXXX. The first representative was very rude and threatened to contact my job and take me to court. I hung up and called back to speak with a different representative who apologized. They said they would send me a copy of the agreement and debt validation. On XX/XX/year>, I received a bill from XXXX XXXX, but what she sent isn't accurate. The email will also be attach that shows no explanation was given just the statement I still haven't received a copy of the purchase agreement. I would appreciate assistance in getting this issue resolved. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  Bankruptcy Account # XXXX, XXXX XXXX Bankruptcy Account # XXXX, XXXX XXXX Bankruptcy Account # XXXX, XXXX XXXX  Bankruptcy Account # XXXX, has violated my rights. 
I have already disputed these items but the bureaus did not remove them nor prove validation. 
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

My Bankruptcy included a Reaffirmation Agreement regarding my XXXX which XXXX and did not attend, sold my car without a Judgment or any legal basis and continued to take payments until the car was paid in full then closed my account and reported to the credit bureaus that it had been written off in Bankruptcy thus managing to steal approximately XXXX XXXXXXXX from me.
Product: Money transfer, virtual currency, or money service

I sent a Zelle transfer of {$450.00} from my XXXX account to who I thought was my stepfather to help pay for the mortgage. I accidentally sent it to the wrong person and I had no way of getting the money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account : XXXX XXXX XXXX # XXXX Per FCRA 611-A-1-A. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency 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 the 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 reseller.

Transunion Policy : If the creditor does not respond within 30 days, TransUnion will delete the information from your credit report.
Product: Credit reporting or other personal consumer reports

if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' Equifax and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services "
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account XXXX XXXXXXXX, XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX, XXXX XXXXXXXX Account XXXX XXXXXXXX, XXXX XXXXXXXX Account XXXX XXXXXXXX, XXXX Account XXXX XXXX, XXXXXXXX XXXX XXXX  Account XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX, XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX, XXXX Account XXXX XXXXXXXX, XXXX  Account XXXX XXXXXXXX, XXXX Account XXXX XXXXXXXXXXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXXXXXX, XXXX XXXX Account XXXX XXXXXXXX, 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 am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX # XXXX - Balance : {$110.00} XXXX # XXXX Balance : {$3800.00} XXXX # XXXX - Balance : {$3800.00} XXXX  # XXXX - Balance : {$3800.00} XXXX XXXX XXXX # XXXX - Balance : {$580.00} XXXX XXXX XXXX - Balance : {$580.00} XXXX XXXX  # XXXX - Balance : {$550.00} XXXX XXXX XXXX # XXXX Balance : {$480.00} XXXX # XXXX Balance : {$840.00} XXXX XXXX # XXXX - Balance : {$260.00} XXXX XXXX # XXXX Unauthorized Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I entered into an agreement with XXXX XXXX XXXX for siding to be installed on XX/XX/2019. I cancelled the contract within the limit allowed by my state. I was approved by a finance company, approved through XXXX XXXX XXXX for the loan, to have siding installed, which I also cancelled. An inquiry appear in my credit report for a XXXX XXXX XXXX credit card on XX/XX/2019. I did not apply for the card nor gave permission to apply for the card on my behalf. This was done without my knowledge. I signed a document, that I can no longer access, that only gave XXXX XXXX XXXX permission to gain financing which was approved when application was submitted. The credit card had no baring on financing for the siding. I contacted the credit card issuer and told them that I wish to cancel the card and this was fraud. I have since destroyed the card. The issuer have not cancelled the card and is not reflected in my consumer credits reports. I reported this to all three credit reporting agencies and no fraud alert has been set and they have found that the inquiry and credit card were reported accurately. During the meeting with the salesman, there was no mention of a credit card. Due to a death, there was a delay calling the issuer. This should have no effect on my request to cancel the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been sending letters to Equifax since XXXX and still haven't received responses on the investigation of these accounts.

3 accounts with no creditor 's listed XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have sent letter after letter to no avail. This is a problem since I'm trying to get in a position to get my 1st home. I just want to make sure everything on my report is accurate.