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

In XX/XX/XXXX ... there was an unauthorized hard inquiry placed on my credit. I am just now seeing it this year.After contacting XXXX XXXX ... the parent company this XX/XX/XXXX ... they've contacted the subsidiary in which ran my credit : XXXX XXXX. They did the research and found that there's no way I authorized my credit to be ran. They've sent the request to all credit bureaus to have the hard inquiry removed ... XXXX ... XXXX ... nor Experian have done such. The inquiry is STILL on my credit!
Product: Credit reporting or other personal consumer reports

Would you kindly review the information on file for me to ensure that it is accurate and in line with the Fair Credit Reporting Act and Metro 2 compliance standards? I'd like to dispute any errors in the credit report, and respectfully request that they be remedied as soon as possible. I'd like to thank you for your attention to this matter. It is surprising that the credit report I have received does not conform to FCRA and applicable Metro 2 data field formatting standards. In order to avoid further financial consequences, it is important that false accounts be deleted as soon as possible. It is important for me to have a credit report, and I expect only accurate, verified, and compliant data to be documented. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX U S DEPT OF ED/GSLXXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I + was in fact a victim of this data breach and XXXX has done nothing. 
Please help me delete these illegal accounts from my credit reports.
Product: Student loan

University Accounting Services with XXXX University is threatening collections and reassignment to the Department of Education on a loan that was repaid in XXXX - I was in a car accident, had competing medical bills, and went into default on the loan while away from school - I was required to pay the loan in full with a collections agency ( XXXX XXXX XXXX  ) prior to returning- I did pay, XXXX lifted the financial hold so I was able to register and finish - I received no contact from UAS until XX/XX/XXXX, threatening reassignment - I have contacted XXXX and XXXX XXXX XXXX, both of whom have confirmed the loan was paid - UAS refuses to drop the charge of XXXX. They claim not to work with XXXX XXXX XXXX, even though the account information at XXXX XXXX XXXX directly matches the account information from XXXX ( too many digits to be coincidence ). XXXX has contacted UAS to confirm the loan has paid, but XXXX will not budge- This is unequivocally fraud - I have no idea how many other students could be affected by similarly predatory and fraudulent accounting
Product: Credit reporting or other personal consumer reports

Hello, From XXXX of XXXX, I filed a dispute with XXXX, XXXX and Equifax Credit reporting agencies about the Charge-off account of XXXX XXXX XXXX because the high balances are completely different. In these months I have tried multiple attempts for correction or deletion of this account with these credit reporting agencies. The Fair Credit Reporting Act states that they must report accurate and consistent info on my credit report or delete it from my credit report and they have not and continue to.Report on my consumer credit report. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from these credit reporting companies as of today. Thank you
Product: Student loan

When I learned Navient had my student loan, I contacted Navient to apply for Income based repayment as I could not make the high monthly payment they were asking. They told me I qualified only later to find out I was on a forbearance.. About 2 months ago, I wrote to Navient asking about a Loan Forgiveness because XXXX XXXX XXXX closed all schools and I believe I was entitled to this. I have yet to receive any information from them. Navient has not communicated with me about this matter.
Product: Debt collection

Today XX/XX/year> I called Midland Collection Agency to pay part of my bill. I told them I wanted to make a low payment. They asked me personal questions such as what happened in your life to make you fall behind on your payments and when did you stop paying. I was not comfortable with these personal questions. I kept asking them to just take the payment but they refused to take the payment and said they wanted to have a conversation instead and asked about my location. They said if I dont pay they will pass judgement in the law. They said I wasnt listening and if I wasnt ready to listen and have a conversation they wouldnt help me and then they hung up. I was very upset and my consumer rights were violated.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score.
Product: Credit reporting or other personal consumer reports

Thursday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX SSN : XXXX | DOB XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : Account Name : XXXX  XXXX ( Original Creditor : XXXX XXXX, XXXX. ) Account Number : XXXX Reason : I dont recognize this account Account Name : XXXX XXXX  Account Number : XXXX Reason : Inaccurate Payment History Account Name : XXXX  XXXX XXXX Account Number  : XXXX Reason : Inaccurate Payment History Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Inaccurate Payment History Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Inaccurate Payment History Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : I dont recognize this account By the provisions of the Fair Credit Reporting Act of 1970 15 U.S.C 1681 et seq. I demand that these items be reinvestigated and deleted from my credit record. Please send me the names and addresses of the companies that you contacted so I may follow up.

Under the terms of the Section 168li of the Act, you have XXXX  days from receipt of this letter to verify that this disputed information. In the event you fail to verify this data, or fall to respond to this request altogether, the disputed data must be deleted in the entirety. 

Also, pursuant to 15 U.S.C. Section 168ld of the Act, please notify me when the items have been deleted. You may send an updated copy of my credit report to the above address. According to the provision of Section 168lj, there should no charge for this notification. 

Thanks, XXXX XXXX
Product: Prepaid card

I filed a dispute to gain back funds that were deposited without my authorization by XXXX bank. I contacted bofa and requested that the funds be returned to me. I was mailed a fraud package from bofa and was told it would take 15 days to receive. I visited a local branch where the XXXX XXXX XXXX XXXX was helpful and printed the package and made a notary available for the swift return of the package to bofa. I was told that this could take up to 90 days to receive my refund as the cased needed to be researched. I explained that XXXX had confirmed they had the funds and bofa just needed to request them back. I have now been waiting close to 30 days for resolution and have been told by bofa that I must wait the XXXX. This is causing financial hardship in my life and I want it resolved immediately. 

Today I spoke to XXXX in Oklahoma 's escalation department and was told that I must wait the 90 days ( by law ). I asked him how that was an escalation and he informed me that his job was to confirm their receipt of my fraud package ( which was confirmed 3 times before ). When I asked to speak to a supervisor or someone who could actually escalate my claim, he refused to do so.
Product: Checking or savings account

On XX/XX/XXXX  i placed a stop payment on a charge that was named XXXX XXXX after noticing they took {$7.00} from my account.Then after that I noticed on XX/XX/XXXX  that the same merchant was able to take out {$5000.00} three different times from my account. When I filed the claim they told me that when I put the stop payment it would still be possible for the merchant to take money from my account. I was unaware of that, when I put the stop payment I was under the impression that they wouldnt be able to take any money from my account anymore. If I wouldve known that a stop payment doesnt guarantee the merchant wont find another way to charge my account I wouldve got a new card and account and routing number. Not even a week later, my claim was denied stating that I authorized those three transactions for {$5000.00}. When asked for a good explanation why the claim was denied they couldnt give me one. As you can see on the documents they credited the {$7.00} but didnt credit the {$15000.00} and theyre all from the same merchant that i put a stop payment on. After researching online i found that JP Morgan Chase Bank is known for denying claims and not taking responsibility for losses.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I reached out to the original creditors XXXX XXXX and XXXX XXXX to verify that I did not have any unpaid balances. They both verified that I did not have any outstanding balances that were reported to XXXX XXXX XXXX. On XX/XX/XXXX and XX/XX/XXXX, I reached out to XXXX XXXX XXXX and let them know that they reported 13 charges to my credit report that do not belong to me. I explained to them that these charges belonged to my twin brother who passed away on XX/XX/XXXX. They verified my social security number and realized that the social security number on file did not belong to me. Even after being aware of this information XXXX XXXX XXXX still continued to report charges from my twin brother on my credit report. I filed a dispute with Experian on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. All of the items have been removed from my credit report except for the charges of {$420.00} and {$2000.00}. Since then, they have removed the charge for {$2000.00} but the {$420.00} still remains as a negative item on my credit report even though Experian has closed this dispute. Experian has allowed XXXX XXXX XXXX to report inaccurate information on my credit report. By not removing these items from my credit report, I feel that Experian is deeming these charges valid and will not be removing them from my credit report as previously demanded on several occasions. These are not my charges and I have tried to dispute again however Experian will not allow this. Before these items were falsely reported to my credit report, my XXXX XXXX was XXXX. My XXXX XXXX decreased by over XXXX points. This has negatively affected my credit score which in return can cause me to have to pay higher interest or even be denied for a loan.
Product: Mortgage

I have a home loan through Loan Care. This company keeps returning my payments no matter how I have tried to pay them. I have several returned payments in my possession that need to be applied to my account but Loan Care keeps returning them to me. I have even had my bank try and submit payments for me and they keep getting the wires and payments returned as well. I am being told that it is not the full payment this is why they are returning so I have sent a copy of the Illinois Law 205 ILCS 635/5-8.5 stating that even if a person is behind on their mortgage the loan company still is required to take payments as long as there is a full month of payments trying to be submitted. I currently have 4 full monthly payments in my possession with another being ready to have as well that I can not get this company to take. I am getting no assistance from them when i call their number and when they call me it is just a recording stating to call them. I have reached out to my state representative who is also been trying to assist me with this problem per direction from my bank. I dont know what I am to do and this problem is just getting worse as time goes on. They are sending people to my home to several times a week to confirm it isnt vacant and charging me fees each time. The lady reported I am there and have been cooperative with here and they insisted she post an abandoned notice on my door. She advised me as well to reach out to someone as well because she didnt understand why she was still being instructed to do all these things. I need help since this company is clearly doing things that they are not suppose to be doing to people.
Product: Debt collection

Sunrise Credit Services is reporting I owe debt with a XXXXXXXX XXXX for tuition from 2016. I never attended XXXXXXXX XXXX and owe them no money. They have no records to support this debt and are refusing to remove the erroneous collection account from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never worked at XXXX I have VA XXXX I have never lived on XXXX XXXX. 
I worked at XXXX for four months in XXXX XXXX. 
Im paying on all my collections and have been for almost a year. 
I started working at XXXX  XXXX XXXX in XX/XX/XXXX. On the XXXX.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

My name is XXXX XXXX and im contacting you because california check cashing is a check cashing store here in XXXX  cal and i use to cash my checks there at this store until one day i went in there to get a print out of all the check that was cashed there because i was having a problem with checks being stolen out of my mail box well i got the print out from the california check cashing store and i noticed there was a check that said child support bye it well i new that i had never cashed a check there from child support i new i had never cashed one there so i asked XXXX she was the supervisor at the time and i asked her why was this check on here under my account she said she didnt know she was not the one that cashed it it was one of the other girls that work there and i told her i did not cash this check here so that means someone is coming in here and cashing my checks i asked her to please do not cash any more checks under my name she said she will make sure they dont well two weeks had passed and i went back in there to get another print out well the first time i went in there it was only one page of checks when i went in there again it was two pages of checks i was very up set when i seen the list i asked XXXX why are you still cashing checks under my name she tryed to tell me it was me i new it wasnt me becasue i hadnt got any checks to cash because they where all being stolen out of my mail box i have tryed to talk to them and they dont want to lission well i know i didnt cash thoses checks and i got copys of them and there are finger prints on them and i told the supervisor that i know im not the one that cashed thoses checks the amount of thoses comes out to {$45000.00} dollars so thats why im contacting you because this check cashing store do not ask for no id every time i went it to cash a check all i had to have was a phone number and thats what they went off of was a phone number thats how people where able to cash other peoples checks if you new the phone number to someones account them they could cash there checks and thats not how things should be this check cashing store should always ask for california id always the address is XXXX XXXX XXXX XXXX XXXX cal XXXX XXXX ) XXXX supervisor is XXXX
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. Per 15 U.S.C 1681e 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 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.

Summary of Accounts being challenged in list form XXXX XXXX - Account NumberXXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

XXXX XXXX XXXX - Account NumberXXXX Please supply information on how you have verified this item. 

XXXX XXXX XXXX - Account Number:XXXX I need to see all bank transactions that belong to this company that would prove my payments were not accepted on time or you need to remove these unverified late payment XXXX XXXX XXXX - Account Number:XXXX Please remove it from my credit report. 

XXXX XXXX XXXX - Account NumberXXXX My parent has the same name as me. 

XXXX XXXX - Account NumberXXXX I need to see all bank transactions that belong to this company that would prove my payments were not accepted on time or you need to remove these unverified late payment XXXX XXXX XXXX - Account Number:XXXX  This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report I am writing to formally dispute the following information in my credit report, which I believe is inaccurate. I have obtained a copy of my credit report from your agency, and I noticed that la canceled debt that is still listed as outstanding ]. 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 According to IRS Form 1099-C that I received from XXXX, the debt was canceled on XX/XX/year>. I have attached a copy of this form for your reference. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate information on my credit report. I request that you investigate this matter and correct my credit report to reflect the accurate status of this debt as " canceled. '' Please let me know the outcome of your investigation or if you require any additional information from me to assist in resolving this issue. I appreciate your prompt attention to this matter. Thank you for your cooperation. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX IRS Form 1099-C, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello! I was alerted by XXXX XXXX and transunion that a bankruptcy was on my credit report. So I wrote the credit bureaus twice requesting their method of verification and I received letter from each that are very confusing to me. I dont know how they verified as I wrote the Alabama US bankruptcy court and they stated that they do not berify such information. See attached letter. And it is my understanding after research that only courts can verify this type of information.
Product: Credit card

I received an email thanking me for applying for an American Express card. I have not ever applied for a card from them. I locked my credit, filed a complaint through American Express and through XXXX.