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

On XX/XX/XXXX I sent Experian a copy of a police report I had to file due to identity theft XX/XX/XXXX. I was currently living at XXXX XXXX XXXX, XXXX, XXXX  XXXX. In XXXX I moved to XXXX XXXX, XXXX. I have been having problems every since identity theft has taken place. My name is obviously getting mixed up with someone else. I have had it with these third party agencies reporting what they like with no documentation to validate erroneous accounts that are reporting. The burden of proof in court will be on the collection agency or the creditor not the consumer. I have requested multiple times signed credit agreements which I have yet to receive from no one. I will be moving forward with legal actions once this last dispute is submitted. No consumer should never have to go through this at no time in their life. Bankruptcies do not verify nor do they report to experian and third party companies do not have full social security numbers. Bankruptcy do not give information to no third party companies NEVER! XXXX XXXX is a third party agency and do not have full social security numbers. Experian has not verified the bankruptcies because there is a FREEZE on XXXX XXXX file. I do have receipt of that too. I have attached documents that I sent to experian. Experian has informed me prior that they have not ever gotten any documents from CFPB. I hope these documents are forwarded to Experian.
Product: Student loan

I have a large student loan now being serviced by Navient. When I first graduated from college they ( then XXXX XXXX ) had me go into forbearance twice instead of pushing me towards an income based payment plan. Once I got a better job, they had me start paying the loans off. I thought I was making a dent in the principal, but they had me in some weird interest only program. I was young and trying to figure this all out on my own, so I had no idea what was going on. For 3 years I was paying almost XXXX a month thinking I was getting my student debt down only to find out in year 4 that it was all for not. They cheated me out of a ton of money and here I am 9 years out of school with almost 9 years left of paying this loan off. These people are terrible and should be held accountable for their shady actions. They are stealing money from people and it makes no sense. I understand that I borrowed money and need to pay it back with some interest, but they way they conducted business is absolute fraud.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protective consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX XXXX 15 U.S.C 1681 section 602 a. States I have the right to privacy.

15 USC 1681 section 604 A Section 2 : it states, a consumer reporting agency, can not furnish an account without my written instructions.

15 U.S.C 1681 c. ( 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 the records of convictions of crimes, which antidote the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable caused believe that the information is an accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent third dispute to XXXX, XXXX, and XXXX in regards to reporting incorrect information. I have not received any information on them validating the accuracy of the account, however the reports that they provide remains unchanged. Bridgecrest account was a voluntary repo that was charged off and paid as agreed.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 

Complaint Summary : I am submitting this complaint against [ Credit Bureau Name ] regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 

On [ Date of Credit Report XXXX I discovered discrepancies in the following account ( s ) : Account Name : XXXX XXXX account number XXXX Disputed Information : [ Describe inaccuracies, e.g., incorrect balance, wrong account status ] Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validate for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, [ Credit Bureau Name ] has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness.

In my request, I emphasized that any unverifiable information should be removed from my credit report IMMEDIATELY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishes of information are required to investigate and correct inaccurate information upon notice of a dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted request to Experian regarding removing the below inaccurate items from my credit report. To date I have not received a response. 

1. This inquiry was not authorized! 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Please remove this fraudulent inquiry from my credit report. 

2. This inquiry was not authorized! 
XXXX XXXX XXXX XX/XX/XXXX ; XX/XX/XXXX Please remove this fraudulent inquiry from my credit report. 

3. This inquiry was not authorized! 
XXXX XXXX XXXX XX/XX/XXXX Please remove this fraudulent inquiry from my credit report. 

4. This inquiry was not authorized! 
XXXX XXXX XXXX XX/XX/XXXX Please remove this fraudulent inquiry from my credit report. 

5. This inquiry was not authorized! 
XXXX XXXX XXXX XXXX XX/XX/XXXX ; XX/XX/XXXX Please remove this fraudulent inquiry from my credit report. 

6. This inquiry was not authorized! 
XXXX XXXX XX/XX/XXXX Please remove this fraudulent inquiry from my credit report. 
7. This inquiry was not authorized! 
XXXX XXXX XXXX XX/XX/XXXX ; XX/XX/XXXX Please remove this fraudulent inquiry from my credit report. 

8. This inquiry was not authorized! 
Texas XXXX XXXX XXXX XX/XX/XXXX Please remove this fraudulent inquiry from my credit report. 

9. This inquiry was not authorized! 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Please remove this fraudulent inquiry from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/year> Subject : Request for Removal of Authorized User Account Whom Ever it Concern, I am writing to formally request the removal of an account listed on my credit report that I am associated with as an authorized user. The account does not belong to me, and its inclusion is negatively impacting my credit score. 

Account Details : Account Name : XXXX XXXX Account Number : XXXX I was added as an authorized user without my intention to assume any responsibility for this account, and I am not financially liable for it. As per the Fair Credit Reporting Act ( FCRA ), I request that this account be removed from my credit report immediately, as it inaccurately reflects my credit history. 

I have also reached out to the creditor to request my removal as an authorized user. To assist with this process, I have attached the following : A copy of my identification ( driver 's license or state ID ) Proof of address ( utility bill or bank statement ) A copy of my credit report with the account in question Please investigate this matter and remove this account from my credit file as soon as possible. I would appreciate receiving a confirmation once the update has been made. 

Thank you for your prompt attention to this matter. 

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

I wrote a letter to this company dated XX/XX/XXXX to request for investigation with regards to a XXXX XXXX account reported in my file. Then I wrote a letter to XXXX  XXXX date XX/XX/XXXX. XXXX responded that they investigated the account and that this verified correct and valid WITHOUT any validation documents ( i.g. bill/statement, proof that alleged account was assigned to them etc.) that will prove the validity of this account. This company cannot even tell me when was the date of service which on their letter shows "XX/XX/XXXX". Their response is unacceptable and unlawful, so is this credit repository's response and not removing an UNVALIDATED item is a violation of FCRA. Attached is XXXX letter, copies of the letters sent to this credit repository and to medicredit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax made it impossible to file a fraud alart online. They then require a written application, and copies of your identity and residency documents be submitted by mail. This requres a printer and copier, and days if not weeks of time, especially with slow mail delivery due to Covid-19. In the meantime, identity thieves could be causing you massive damage, but Equifax won't care because they aren't being held liable, like they should be The solution to this probably requires rulemaking or enforcement action. They should be required to immediately accept any fraud alert application without verification of identity, because what is the downside for a consumer to have a fraud alert on their file? None. It just makes it harder for identity thieves. Failure to accept a fraud alert should make them liable for triple damages and attorney 's fees for consumer losses after the attempt. This is the same company that exposed the complete credit files of more than half the country in 2017. It is long past time for the government to crack down on these wrongdoers hard with regulations and extensive regulatory oversight.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( XXXX XXXX  ). Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX
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 Bureaus, 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 30 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 XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A credit card account was opened on XX/XX/2019. {$210.00} is up for collection and I'm not aware of this account. I didn't open it. I have disputed it but it still shows on my credit report.
Product: Checking or savings account

Received a new letter for an increased amount of XXXXXXXX Citibank in IL closed my DC account, and still has yet to respond to my initial complaint. 

This is harassment on a person with disabilities. This is also not acceptable due to my status as a federal public official ( past ).
Product: Payday loan, title loan, or personal loan

I opened a payday loan with XXXX XXXX Loans at the XXXX  XXXX location. The Loan was opened on XX/XX/2018 for {$750.00} at 299.000 % and my loan number is XXXX. Due to going into overdraft on my accounts- causing major household bills payments to bounce for insufficient funds. The representatives will call 3 to 5 times daily and has called my place of employment several times, even though, I specifically asked them not to call due to my employers guidelines. This information was notated on my original application and in person to the representatives. I have paid to date {$650.00} towards this {$750.00} loan and still have a remaining balance of {$820.00} from the original {$750.00} loan.
Product: Debt collection

I called professional collector corporation on Monday XX/XX/XXXX and talked to a man named XXXX. XXXX told me that the medical for XXXX XXXX XXXX is a bill from XXXX and they dont have the bill. I asked XXXX to send me validation of this bill. XXXX said he cant because they dont have the bill and are not reporting it to the Equifax XXXX So who is reporting this bill to Equifax then? It says right on my credit report that its professional collector corporation. Professional collector corporation keeps adding on interest every time I make a complaint. XXXX  is committing fraud by trying to collect on a bill that doesnt exist. This is my 4th complaint to the cfpb. I even called Equifax and they said that I need to contact XXXX XXXX XXXX  and get a copy of the bill. I said how do I get a bill that doesnt exist. XXXX XXXX XXXX sent me all of the bills but this bill is not in there. Also professional collector corporation tried taking 3 bills and changed the date and the amount owed. Which I will show you that each bill was paid by my insurance company. You will also see that the XXXX is committing fraud by changing these bills and putting different amounts what is owed to them and XXXX. You will see that the XXXX  and XXXX  are both committing medical billing fraud. There is one bill that they added over {$240.00} in interest in only about 5 weeks time. Also I sent these papers to the XXXX XXXX XXXX XXXX XXXX and dealt with XXXX XXXX and the XXXX XXXX XXXX. XXXX still has a business license so they must have gave them some kickback. The proof I have is undeniable. You will see my insurance company paid most of my bills by a contractual adjustment. Which means the insurance and provider have it to where the provider cant charge the patient the remaining balance and has to do it as a write off. XXXX XXXX XXXX and XXXX  need to be investigated for fraud. This is my 4th  attempt to get this removed off my credit bureau in the last 2 in a half weeks. I will not stop making complaints until this is removed. Why wont Equifax remove this off my credit report?
Product: Mortgage

My mortgage company, Ditech Financial, has sent me a letter advising that they are not going to remove the PMI on my loan until it reaches 75 % LTV. I have previously made a request in writing as well as had an appraisal done by one an appraiser of their choosing. I have a LTV of 80 % and understand that upon my written request, the PMI should be removed. Can you please advise?
Product: Credit reporting, credit repair services, or other personal consumer reports

This company XXXX XXXX XXXX put incorrect information on my credit report in regards to an account they claim I owe. I sent a certified letter with a return receipt to this company on XX/XX/2019 requesting that they send me debt validation that I owe this debt. By XX/XX/2019 I still had not received anything. I then requested Experian to remove this debt off my account by sending them a certified letter on XX/XX/2019 and they stated that the company provided them with documentation that the debt is valid. I called Experian on XX/XX/2019 and spoke with a rep named XXXX and asked him to mail the valid documents that the company provided to you but not to me. He stated that they don't know what information the company sent and the dept that processes that information does not have a phone line or email and he can't remove the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance To The Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify. Erroneous and Misleading Things Of My Credit Report. 


XXXX XXXX XXXX Dept EdXXXXXXXX XXXX Dept Of EdXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  15 U.S.C 1689 Section 604 A.Section 2 : it also states a consumer reporting agency can not furnish a account without written instructions.

15 U.S.C. 1681 section 602 A.Section I have the rights to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I was alerted to possible identity theft by receiving a letter in the mail from XXXX XXXX for an account opened on XX/XX/19 with them. After reading the letter, I realized it was financing for a XXXX XXXX purchase. I contacted the XXXX XXXX on XX/XX/19 and informed them of the fraudulent purchase. They contacted XXXX XXXX and I spoke with them while they begin their investigation. This prompted me to freeze my credit report and place a fraud alert with XXXX, Experian, and XXXX which I did successfully. I then pulled my credit reports with them and noticed inquiries that I do not recognize on each of the reports. 

I called the numbers for each of them and they were unable to help me dispute an inquiry, only to dispute an account. I believe I am a victim of identity theft and need help removing these fraudulent inquiries from my report which are detailed in the resolution section of this request.
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process.

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681c-21 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!!

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 under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION if 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 listed IMMEDIATELY!
Product: Student loan

My personal and financial information was compromised without my authorization. The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach clearly violates FERPA and your responsibility to safeguard my information.
Product: Debt collection

Resurgent Capital Services ( " RCS '' ) wrote me on XX/XX/XXXX about a {$680.00} debt that was charged off XX/XX/XXXX. RCS demanded payment and threatened damage to my credit file. 

I responded via certified mail disputing their claim and demanded RCS cease & desist on XX/XX/XXXX. 

RCS made additional fraudulent/deceptive demands on XX/XX/XXXX, again threatening my credit if I did not comply with their ploy/scheme.
Product: Credit reporting, credit repair services, or other personal consumer reports

remove the ftc violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX same as XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DUPLICATE REQUEST. EXPERIAN IS NOTHING MORE THAN A BUNCH OF CRIMINALS AND MORONS. THE COMPLAINT IS THAT YOU DID NOT RESPOND TO ME ABOUT MY COMPLAINT IN 30 DAYS, TO WIT ... ..

YOU DID NOT DO YOUR INVESTIGATION IN 30 DAYS. I DARE YOU TO RESPOND TO THE ACTUAL COMPLAINT. RESPOND TO THE FACT THAT YOU DID NOT INVESTIGATE IN 30 DAYS. REFRAIN FROM YOUR LENGTHY, FULL OF XXXX  RESPONSES, THAT ARE INTENDED TO CONFUSE.

RESPOND ONLY TO THE FACT THAT YOUR INVESTIGATION WAS NOT CONDUCTED IN THE LEGAL FAIR TRADE CREDIT REPORTING ACT 30 DAYS.
Product: Checking or savings account

Complaint Complaint - To help us get the investigation process started, provide a brief description of the complaint including dates and the names of those you dealt with. 
Do NOT include any personal information such as account numbers or Social Security numbers. 

I have company to serve the credit card to my customer. I did stop this company around tow years ago. but they keep charging my walls Fargo account. I want to the branch near me to dispute this charges. I wait around 10 days and the claims department they dined the claime because it is business to business.and they told me no more changes will get to your. last week I found the same company keep changing my account ( 22 charges ) totel was over {$3800.00} .I did fail claim again XX/XX/18 and the bank dined it again. last Friday they approve and they will refund my money.. I did call today the bank to ask about the the money is not in my account, they said they dined this claims because is business to business charge and is always different amount.and this company changed the nam between months to months. I am responsible about any trans actions with 24 hours only. 

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