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

For over a year, I have been disputing these items on my credit reports. None of the creditors have supplied legal documentation such as a contract bearing my signature, my ID, calculations on the debt and who it was furnished by. These items are affecting my quality of life. I need direct resolution ... 

XXXX  XXXX XXXX {$4800.00} XXXX XXXX XXXX {$4400.00} XXXX XXXX {$2300.00} XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$970.00} XXXX XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX {$240.00}
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the inaccurate reporting of information on my credit report by XXXX and Experian. Despite my best efforts to resolve these issues directly with the credit reporting agencies, the inaccuracies persist, and I believe they are in violation of the Fair Credit Reporting Act ( FCRA ). 

The inaccurate information in question is as follows : [ List the accounts or items you are disputing. Include account numbers, dates, and details. ] I initially disputed these items directly with both XXXX and Experian. However, after submitting my disputes, the information was not corrected, and the errors continue to negatively affect my credit score and overall financial situation. I believe the credit bureaus failed to conduct a thorough or reasonable investigation into my claims, which is a violation of their obligations under the FCRA. 

Key Issues : 1.Failure to Correct Inaccurate Information : Under Section 1681i ( a ) ( 1 ) of the FCRA, I have the right to request an investigation into inaccurate information, and the credit reporting agencies are required to complete the investigation within 30 days. Despite this, the errors have not been rectified. 
2.Failure to Ensure Accuracy : According to Section 1681e ( b ) of the FCRA, credit reporting agencies are responsible for maintaining accurate information. The continued presence of these errors suggests non-compliance with this obligation.

3.Recent Legal Precedents : I am aware of recent lawsuits that involve both XXXX and Experian, where they were found to have violated consumer rights by failing to handle disputes properly. These legal outcomes underscore the need for credit agencies to adhere to the FCRA and ensure the accuracy of all information they report. 

Despite my direct disputes with these agencies, no action has been taken to correct the errors, and I am left with an inaccurate credit report that is adversely affecting my financial standing.
Product: Student loan

My Loans are over 20 years old, they were with XXXX XXXX XXXX that sold them to XXXX XXXX or Navient. They are at this highest level they have ever been. I am almost XXXX years old and have no way to pay these back?
Help After 20 Years?
Thank You XXXX XXXX
Product: Debt collection

I am a creditor with several financial institutions where I can no longer afford to pay. I have a XXXX XXXX XXXX that causes me to lose work, and in some cases XXXX  is required. Accordingly, I have no choice but to cease monthly payments with these creditors that I am submitting my issues through the Consumer Financial Protection Bureau. I request a cease and desist on all telephone communications, and request any communications by mail only. I can submit medical proof of my condition if a settlement is offered. I am looking into filing a XXXX  XXXX bankruptcy. Please cease all communications with any of my accounts. Thank you. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello Im reaching out because Im having an issue with my student loans.

As of recently Ive been having some health issues that kept me from making my timely payments on time as I normally do. Its been reported that Ive been XXXX past due to the credit bureau, which caused a dramatic hit to my credit score. Ive had perfect credit for years now.. I pay all my bills on time and sometimes more than what is asked of me. Im asking for a Goodwill Deletion, seeing this is the first time that Ive ever been late. Im a single mother doing the best I can. Im currently starting my house buying process and this has set me back hugely!!

Im not disputing that I was late, however I would greatly appreciate it if I wasnt punished to such magnitude over my very first mishap. My credit score dropped XXXX points. Once I caught wind of the situation I went ahead and made the account current, even offering to immediately pay it the entire balance. If there is anything you can help me with Id greatly appreciate it
Product: Debt collection

There was a fraudulent charge on my Macy 's American Express card, which is serviced by Citibank. I filed a fraud investigation with their fraud department and was told I would n't be receiving phone calls, yet I did receive numerous phone calls. Sometimes when I picked up, they would hang up. When I did n't answer, they left no messages and then would call back a short time later. This past Saturday I received 7 calls from the number XXXX. When I finally spoke to the fraud department I was told my claim had been taken care of and that I would have a XXXX balance, and would n't be receiving phone calls any longer. Today I have received 3 calls so far from the same number, XXXX. I answered once and they hung up.
Product: Mortgage

I own a house for 12 years but when the lender keep selling my loan around in some how they record my house is foreclosure for 7 years and transfer my house to some bank name. When I do a refinance my house 4 years ago and XXXX XXXX XXXX do my refinance they do it with some loop hole to go through without a right deed of trustee. I been calling the bank for the last 7 years to fix the problem but no one want to help and keep telling me the same answer that the house is mine. If you go to the tax city the house is not under my name. Escrow still take my money every month to pay for the property tax. Now Im selling my house title company cant closed the deal because the house is not under my name. My title company keep called by them and talk to their legal team put they keep send us around and go back to square one no one can help. Please investigate this matter. My family want to move but keep stuck in this house for so many years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. My name was found on the dark web. Someone or something destroyed my credit with accounts and inquiries.
Product: Debt collection

I am a XXXX  veteran and have three types of medical coverage. ( Phoenix Financial Services ) claims that i owe XXXX XXXX XXXX XXXX bills which is not true! That collection agency sent me notice of bills owed so i asked to provide the exact copies of procedures and dates for the bills owed including statement and procedure dates. This will allow me to verify if this is a true billing error or if it is a false representation of a debt that is not owed. 
Phoenix Financial Services was unable to produce any details or provide any bills to validate. 
As result of that, I proceeded to send them a cease and desist notice on XX/XX/XXXX. Return receipt was requested and signed for by Phoenix financial Services ; they stopped contacting me until today via mail again ( XX/XX/XXXX ). 
I am 100 % covered by VA medical, XXXX XXXX XXXX and XXXX and have explained this to that collection agency several times yet they continue to send me harassing bills and impact my credit score. 
please assist in resolving this issue with them as these are malicious, deceptive debt practice of a debt that is not even owed by me, nor can they produce a record of.
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 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 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 US DEPT . OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 adverse item of information, other than records of convictions of crimes which antedated 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: Debt collection

I previously requested evidence of how you managed the data that you demonstrated in my credit report. Once more, you can't demonstrate any of the data referenced in the past credit report information that I challenged with.
Product: Checking or savings account

Mobile Deposit were deposited on XX/XX/XXXX. I was told it should only take a day or two. I called in and was told by a representative that it was accepted and it would be approved today. I also asked if they could release {$200.00} dollars in funds and the rep told me he would escalate it over and someone would reach out. I called in again and was told the other representative lied to me. After being on the phone for a hour and a half and speaking with 4 people the supervisor told me I had to wait until XX/XX/XXXX for the funds to be deposited. Because I dont even have a dollar to my name I asked for them to cancel the mobile deposit so I could go cash the check and they told me no. So even though they wont release funds they want stop the mobile deposit. I dont know what Im gon na do for the next week and I need help.
Product: Debt collection

Zions debt holdings contacted me text on XX/XX/XXXX at XXXX EDT. I responded " stop '' in order to unsubscribe. On XX/XX/XXXX at XXXX I received another text regarding the same debt. 

They then proceeded to email me on XX/XX/XXXX at XXXX. When I asked for a breakdown of the total debt, they replied it consisted of a principal balance of {$47.00}, late fee of {$60.00}, and interest of {$14.00}. I requested a copy of my original contract as well, which upon review did not specify a {$60.00} late fee. These initial emails were with an individual named XXXX XXXX. He requested I email XXXX XXXX for further information. 

My initial email to XXXX was XX/XX/XXXX at XXXX, asking for validation of the debt. XXXX responded at XXXX starting she " will follow up with further documentation to validate the debt ''. 

I called XXXX, the original debtor ( my original contract was with XXXX XXXX XXXX, who sold my home security contract to XXXX ), on XX/XX/XXXX to request my signed cancellation letter. They informed me I would have to retrieve it from the debt collector directly. 

On XX/XX/XXXX, after having not received a response from XXXX, I requested confirmation it will not be reported as it was not validated. XXXX responded it will be validated by Friday, XXXX, when it was scheduled to be reported to the credit bureaus. 

Over a series of emails on XX/XX/XXXX between XXXX and XXXX, I requested all documentation supporting the debt be provided. XXXX insisted I had received them all without specifically noting what was sent or when. Additionally, when I asked about the {$60.00} fee which was not allowed per the contract, XXXX stated : " Also, the {$60.00} is what our agency adds to collect on the bill. '' Accordingly, Zions Debt Holdings is attempting to add fees that are not allowable per my original contract. 

At XXXX, XXXX wrote : " This is my last email to you. we have validated your debt. If you are asking what documents I have sent, I suggest re reading the paperwork. Have a good night '' ( punctuation as per the original email ) I still do not have full records to validate the debt. 

I contacted XXXX directly on XX/XX/XXXX via text, and they stated the pro rated bill after my cancelation effective XX/XX/XXXX for the period XXXX was for {$2.00}. They stated a late fee was applied to bring the total balance to {$47.00}. Again, my original contract did not specify a late fee could be charged. Additionally, all payments were to remain on autopay during the term of the agreement. I have record of timely payments for each month of my contract from XX/XX/XXXX through XX/XX/XXXX. I have not been able to get a copy of the original invoice for the {$2.00}. 

I've attached records of both email chains, a screenshot of the text with Zions Debt Holdings, and my original contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit Bureau has several Hard Inquires on my report that I did not apply for financing or inquire about credit. I contacted Experian and they informed me that Hard Inquiries on credit report can not be disputed. Hard inquiries that I did not approve include : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX PA XXXX XXXX MD XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX , TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX  DE XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple times to Equifax to remove multiple accounts and unauthorized inquires that are not mine to my knowledge and a result of fraud. I've sent debt validation nothing was validate. When disputed with Equifax it was confirm valid but NO PROOF was shown. I've faxed and mailed out via certified mail a FTC report and also a police report and XXXX failed to follow suit as other credit reporting agency has done so. I need 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 and inquires 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 XXXXXXXX removed from my credit report or send debt validation of these accounts with my signature. 

PLEASE SEND COPIES OF DEBT VALIDATION WITH SIGNED SIGNATURE OR DELETE FROM MY CREDIT REPORT IMMEDIATELY.
Product: Checking or savings account

On   XXXX   XXXX    I recei ved an email from Chase Bank to confirm a request to update my Social Security number. I had not made any such request. On the fourteenth I visited my branch office on  XXXX   XXXX  in  XXXX   XXXX , LA. The manger there told me that the new  SSN i n their records was  XXXX . On the same day,  XXXX , the Social Security office here told me that the name with that number was not another fellow with my name, so I thought that this was n't a simple clerical error. Back at the bank branch, the  manager p ut my account right, with my SS number and new phone number. And to follow up, I forwarded the email to the abuse address  at Chase.      I want to know how the change effected my account. Who gained access to the account via the change? Why would  Chase up date the Social Security number of an account holder, given that Social Security numbers do n't change in a life-time? When and where did the request to change arrive a t Chase? Was there an email address associated with the request? Why would Chase change the  number and then confirm the request? Why not confirm the request before changing my Social Security number?     I have replies from  XXXX  XXXX  XXXX , but they seem robotic. I do n't have any expectation of personal attention to this. So, get other parties involved, such as the Consumer Financial Protection Bureau.     Thank you for any help that you offer to get answers from the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Screening Reports Inc,  reported to   XXXX   XXXX   that my credit report states that my home mortgage loan with   XXXX   XXXX   is in foreclosure and my application was denied. I retrieved my  XXXX  report that does not show a foreclosure and I contacted   XXXX   XXXX   to make sure I am not in foreclosure and reported back to  Screening Reports Inc  and they are asking that I get a letter from the Mortgage  Company  in which the Mortgage company told me to provide them with my most recent statement and payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect reporting on all three credit bureaus. Creditor, HomeBridge mortgage reporting a 30 day late XXXX of 2018, this is incorrect. Sending a copy of the mortgage statement. I have been working with a credit repair company for two months with this problem, it still exists on all three credit reports. 

This incorrect reporting is stopping me from a refinance of my present mortgage.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam : PLEASE ADD MY PHONE # Telephone : ( XXXX ) XXXX Dear Credit Reporting Agency : I am an identity theft victim. I am writing to NOTIFY YOU OF THE ACCOUNTS LISTED IN THE AFFIDAVIT. Each of the accounts and transactions listed were opened and made without my knowledge or authorization. I never authorized, used, or benefited from these accounts or Inquires transactions in any way : RE : IDENTITY THEFT, FRAUDULENT ACCOUNTS & INQUIRES! 



Copy of Social Security Card and Drivers License, Copy of Utility Bill Notification of Identity Theft, List of Fraudulent Accounts, FTC Identity Theft Victims Complaint & Affidavit 1. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. Account Number : XXXX Please remove it from my credit report. 

3. Account Number : XXXX Please remove it from my credit report. 

4. Account Number : XXXX Please remove it from my credit report. 

5. Account Number : XXXX Please remove it from my credit report. 

6. Account Number : XXXX Please remove it from my credit report. 

7. Account Number : XXXX Please remove it from my credit report. 

8. Account Number : XXXX Please remove it from my credit report. 

9. Account Number : XXXX Please remove it from my credit report. 

10. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX, NC XXXX 11. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

12. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

13. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

14. Account Number : XXXX Please remove it from my credit report. 

15. Account Number : XXXX Please remove it from my credit report. 






Please delete the disputed items from my credit report within ( 4 ) four days as required by the Fair Credit Reporting Act.
Product: Mortgage

Primary Complaint : After more than two months, Rocket Mortgage ( RM ) is continuing to hold and not reimburse our Escrow account overage, last calculated in our XXXX Escrow analysis. We purchased our new home in XXXX. At that time, annual XXXX XXXX taxes were were projected to be {$8300.00} annually. Annual county taxes, [ paid in arears ] due in XXXX, were paid in XXXX at {$2800.00}. A check for overage in the amount of {$5400.00} was sent to us on XXXX. An annual Escrow analysis was performed on XXXX, showing projected annual county taxes unchanged at {$8300.00}. In a phone call to RM on XXXX, we were promised an updated Escrow analysis by XXXX. The updated Escrow analysis was finally performed on XXXX, showing projected annual county taxes at {$80.00}, and an overage amount of {$2800.00} on the effective date of this analysis, XXXX. This significant reduction in county taxes resulted in our documented qualification for a SC disability-based tax exemption. However, multiple phone calls to RM on XXXX, XXXX, and XXXX, including speaking with an executive supervisor, have resulted in only responses of " we are researching this and will get back to you in a week ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Monday, XX/XX/2020, I just received in the U.S. mail my " FREE '' annual credit report from " Experian '' credit reporting agency. On " Page 1 of 16 '' it incorrectly states that I owed some company called " XXXX XXXX XXXX XXXX '' $ XXXX as of " XX/XX/2020. '' This is news to me and this $ XXXX DEBT is not mine!!! 
I looked for a telephone number on my " Experian '' credit report for this so-called " XXXX XXXX, XXXX '' and " Experian '' also stated on " Page 1 of 16 '' that " No phone # available. '' Of course not, most " scam '' credit collecting agencies ALWAYS have " No phone # available ''!!!
Product: Credit card

This is the XXXX time SYnc has allowed a credit inquiry on my credit report. Find out who is doing this and stop!!!
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX Account Number : XXXXXX/XX/XXXXXXXX Account Number : XXXX XXXX XXXXXX/XX/XXXX Account Number : XXXX