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

Its showing on my credit report that I owe {$1100.00} & {$500.00} from XXXX XXXX XXXX. I disputed through mail several times recently & previously. Asking for signature l To date they have not fulfilled the intent of the fair credit reporting act which requires bureau, as a consumer reporting agency to maintain fair, accurate, and equitable to the consumer such as I. The law states 15 USC Section 1681 says that credit bureaus will follow reasonable procedures to assure the maximum possible accuracy of information concerning I the individual about who the report relates the requirements have not been met by their actions. They have not given me evidence of investigation by giving me names and addresses of persons contacted, nor have they removed anything found inaccurate. They have not removed any item for which no verification could be found within 30 days. The items were inaccurate & incomplete. Also federal law Act 15 USC 16811that they had thirty days to respond to letter for recertification of erroneous items. Federal law requires that upon request the creditor must provide the credit bureaus written proof that the account belongs to me the credit bureaus must remove the account from my credit file if this is not completed within 30 days and cease reporting all activity written proof is a copy of the contract I signed with the original creditor and not an e-Oscar response without sufficient proof. I asked who was the original creditor on this account and what was the account XXXX what was the original amount owed? Please provide a complete payment history! Starting with original creditor I asked for them to please provide with documentation that indicates I agreed to pay someone this sum of money. What was the original date of delinquency for account I asked for agreement that grants them authority to collect on this alleged debt or proof of acquisition by assignment. They failed to do so!! Please remove these accounts!
Product: Credit reporting or other personal consumer reports

THIS ACCOUNT ARE FROM IDENTITY THEFT. I DID MY POLICE REPORT WHEN I NOTICE THIS ERRONEOS INFORMATION IN MY REPORT. I NEVER LIVE IN XXXX i never open XXXXXXXX XXXX or XXXX. 

XXXX XXXX {$2200.00} XX/XX/year> Account Number : XXXX ONEMAINb {$10000.00} XX/XX/year> Account Number : XXXX address i never lived in NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
INQUIRIES : XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

ACCOUNTS : XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXXXXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX & XXXX XXXX XXXX XXXX : XXXX XXXX ) XXXX, XXXX XXXX, XXXX XXXXXXXX. 

I looked at my credit report and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX XXXX in XX/XX/2020 as a result of the COVID-19 pandemic. I was granted an extension for the installment dates of XXXX, XXXX, XX/XX/2020 after answering qualifying questions for the COVID-19 payment assistance program. At the time the extension was granted disclosures were read by the XXXX representative explaining the account would not accrue any additional interest as a result of the deferment, and I verbally agreed to this change. As a result of his verbiage on my bureau, on XX/XX/2020 I received notification from another creditor XXXX CARD SERVICES that due to a drop in my XXXX XXXX my line of credit has been reduced from {$6000.00} to {$4500.00}. After escalating my concern to the Director of Credit at XXXX, I now understand my credit line was dropped due to this indicator, not due to a reduction in my XXXX XXXX. Additionally the utilization rate on this card now reflects higher, resulting in a decrease to my credit score.  XXXX XXXX XXXX granted this extension and disclosed everything except the fact that these remarks would reflect on my credit report. They did not disclose tome that this would reflect as a risk indicator on my credit report to other creditors that I was experiencing a financial hardship. My loan is currently paid up to date. The XXXXXX/XX/XXXXinstallment was paid prior to the due date. I am currently not in a hardship. XXXX did not explain or disclose to me that there would be potential adverse activity to my credit as a result of granting this extension. It was supposed to allow me time to defer my loan payments without penalty. I have been penalized by utilizing this remedy offered by XXXX that was supposed to prevent a negative report on my credit for these months. XXXX did not give me the opportunity to decide if I wanted to accept the deferment provided this would cause adverse activity to my credit. I would have resumed payments without a 90 day deferment provided XXXX given me full disclosure how this would effect my credit report. This is not a fair or accurate record of my credit with XXXX XXXX XXXX and is a violation of the FCRA. I have reached out to Chase Auto Finance and called the Credit Dispute Processing Department XXXX and my request to adjust the verbiage on my bureau was denied by the representative I spoke to. He refused to give me the name of a party to escalate my concern to and advised I needed to speak to XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I opened an account with XXXX XXXXXXXX XXXX XXXX, I was advised the account would remain open with them as long as a payment was made or a purchase was made at least once every two years. 
Recently, however, XXXX decided to outsource the managing of their accounts to a third party bank, XXXX XXXX. XXXX XXXX has numerous complaints about them online, and I 'm not sure why XXXX partnered with them to begin with. 
To make matters worse, when they transferred my account to XXXX, XXXX reported to all of the credit bureaus that the account had been closed with them. This caused my line of credit with XXXX to disappear, and my credit card utilization skyrocketed as a result. All of this happened without my being notified, and it happened as I was applying to cosign a loan. Fortunately, the loan was still approved, albeit at a higher interest rate. 
I attempted to contact XXXX customer service numerous times, but their system transferred me to XXXX XXXX XXXX  customer service each time. 
This was a terrible customer service experience, and I do not feel I can trust XXXX moving forward. I would encourage everyone to avoid XXXX at this point unless they plan on being more transparent and better customer-service oriented in the future.
Product: Student loan

I submitted a request via the Edfinancial website regarding incorrectly calculated payment amount due, which is due now. They have the same amount due ( {$580.00} ) as they had me paying in XX/XX/2020 despite moving me automatically to SAVE from REPAYE. When I go to the government 's website and log in and they have my student loan balance and income info, they tell me a much lower amount should be due. 

I see online news stories that this is a known issue and " has been resolved '' with accounts being placed in forbearance until the issue is fixed but my account is not updated and is not in forbearance. 

It is wrong for those in a position of responsibility to claim these issues are resolved and action has been taken when clearly it has not.
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 XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris 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 ). A ccording 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 cons
umer 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

My identity was stolen middle of XX/XX/XXXX. I was unaware that this had happened I have had not used or had any use for my credit until early XXXX. Upon viewing my report it was disclosedto me that multiple attem where made to obtaincreditin my name that I did not authorize. I have filed a police report, and placed appropriate freezes to my credit report and am now disputing after seeing the following companies accessed my credit without consent. 

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 am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Several formal letters have been sent to all THREE CREDIT BUREAUS from the President of XXXX XXXX regarding the reporting of a INACCURATE past due payment that NEVER WAS PAST DUE, yet the credit bureaus and XXXX XXXX  are showing the amount is STILL LATE. XXXX XXXX XXXX has gone above and beyond, providing each letter and copy of the XXXX  submitted from XXXX  to credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my Equifax credit report, a private student loan through XXXX XXXX XXXX was taken out on my behalf back in XXXX of XXXX. This account has been paid and closed over 5 years ago yet it is still showing as a derogatory account while XXXX shows it as current and due to be removed XX/XX/XXXX. Ive tried disputing this account with Equifax on multiple occasions both electronically and in writing due to inaccurate reporting and statue of limitations, and nothing has been updated. This account should be removed IMMEDIATELY.
Product: Debt collection

I received a debt collection letter today ( XX/XX/2023 ) from Convergent Outsourcing ( dated XX/XX/2023 ) that I owe money to XXXX XXXX. I never have had XXXX!
Product: Mortgage

The mortgage servicing rights of my 30 year conventional loan were recently transferred to PHH Mortgage. When I attempted to make my monthly mortgage payment online PHH tried to charge me a {$7.00} servicing fee. After contacting them on the phone I learned this fee is also applied to over the phone transactions. The only way not to incur a service fee is to pay by mail. This is the only mortgage servicer I have ever done business with who charges fees for online payments.
Product: Money transfer, virtual currency, or money service

I sent money to my Cash App cryptocurrency wallet and Cash App rejected both of the transactions after receiving the money. 

The money that was rejected has been obtained by Cash App and has been pending for over 3 weeks to be processed back to the wallet the funds were originally sent from.

I have reached out to support multiple times to inform them the rejected transactions they sent back to me didnt meet the minimal fee on blockchain to be processed, and have asked them to reprocess the 2 transactions. They will not reprocess the transactions.
Product: Credit card or prepaid card

On XX/XX/2018, I received a targeted e-mail promotion from American Express for my American Express XXXX XXXX card to earn 10x the bonus points for purchases with XXXX. When I clicked the link to enroll my card in this promotion and then clicked enroll within the link I repeatedly received an error message saying they were unable to enroll my card due to a system issue and to try again later. I have tried to enroll my card for this offer on numerous different browsers for 5 straight days and receive the same message every time. I contacted Amex regarding this issue and was told there was nothing they could or would do to fix this issue to get my card enrolled in this offer. I find this to be fraudulent and misleading advertising.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have any Real Estate. I never owned 5 cars. I never had 7 credit cards. I am a XXXX XXXX XXXX Veteran and was approved for department of education school loan forgiveness. I would like for all of these to be removed from my credit report. For my Hard Inquiries please provide original signatures that I ALLEGEDLY signed ... .I believe someone has used my name and identity. Thank you in advance for your help. 

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: Debt collection

My name is XXXX XXXX ( SSN : Ending in XXXX ) and I am submitting this complaint on my own behalf, there is no third party or authorized representative speaking on my behalf. I am a Federally Protected Consumer and am well studied in my rights under the FCRA, TILA and FDCPA. It is a fact that the consumer has the right to demand PROOF OF CLAIM when a " creditor '' claims that there is an alleged debt that the consumer is liable for. I have demanded the original lawful contract that provides who the original creditor was, where the lawful contract was originated, etc- of DISCOVER BANK and they have defaulted on my contractual terms. I then sent them a notice of fault to give them one more chance to remedy the injury caused to me, the natural person, and they defaulted on that as well. They have been calling me DAILY, leaving me 2-3 voicemails A DAY- despite the fact that my original demand for PROOF OF CLAIM also included a clause to CEASE AND DESIST. DISCOVER BANK has been violating my consumer rights and harassing me DAILY over an alleged debt that they can not provide sufficient evidence that I owe. This matter will be forwarded to the FTC, the Attorney General, and the OCC next.
Product: Debt collection

XX/XX/2021 I informed the credit bureaus of wrong information on my credit report Such as collections inquiries derogatory marks
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I mailed Experian a letter, asking for verification of an account that's been reporting on my credit report. In this letter I requested for Experian to send me the documents used to verify this account which they have failed to do so which is a violation of my FCRA rights, I also asked for the legally binding contract between the company reporting the debt and myself which Experian failed to produce. I've ask Experian now 2 times to produce documentation they used to validate the account, the person who verified the account as well as their contact information However, they did not supply to me the verification documents. 



I requested the following from Experian and they have failed to produce any documentation used to verify the account or the persons who actually verified the account Where are the documents that you used to verify these accounts? 

What is the name of the person in your company who verified these accounts? 

What documents did they use to verify them? 

Please provide me with the name of that individual, their business address, and telephone number. 



XXXX XXXX XXXX, defines Verify as : 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' And, Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party.

What this means in your language is that Experian must be willing, but most importantly, able to produce a document in your files that proves the account ( s ) in dispute belong to me, and the information being reported is accurate, and Experian must be able to do this in a court of law, should I file a lawsuit against Experian. Someone at Experian must authenticate the documents in your files that were used to verify the disputed accounts, and to do this the

y must have first hand hand knowledge of the alleged account ( s ), and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. Current Federal case law states that, Consumer Reporting
Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources.

The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed

by 1681 ( a ) ( 4 ) of the FCRA. Experian has elected to ignore my previous request to provide me with the documents that they have in their files that they used to verify the disputed accounts, which means that they have NOT verified, or they can not verify, any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA. Therefore,
Experian is required to promptly DELETE all inaccurate information which can not be verified through this process.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 

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 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 written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I left Bank of America because they were robbing of money through their overdraft fees. I would pay for items and the money would clear on my app but Bank of America would hold the charge until their was insufficient funds in my checking account then allow the fees to go through causing overdraft fees.
Product: Debt collection

I just noticed this amount on XXXX XXXX and on my credit report. I contacted XXXX  and they said it was verified, I do not have good credit and there uis no way and i DID not open this balance and nver would with payday loan and not sure how i could I cant even get a car loan right now. So i need help getting this off my credit report because I am trying to move and get a rental place.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX Date XXXX XXXX XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX Date XXXX XXXX XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX of Inquiry XX/XX/XXXX,