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

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
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. 

Account Name : XXXXXXXX XXXX  XXXX Account XXXX Account Name : XXXX XXXX  XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 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: Debt collection

Account Resolution Corporation, a thrid party debt collector is attempting to collect a debt consistently violating my consumer rights per the FDCPA. On or about XX/XX/2022 a debt validation request and notice of dispute was sent to ARC certified return receipt # XXXX XXXX XXXX XXXX XXXX. To this date no response has been received. Which in and of itself is a violation. On or about XX/XX/2022 an Affidavait of Truth, eveidence of their violations, and Notice To Cease and Desist, was sent certified registered mail return receipt # XXXX XXXX XXXX XXXX XXXX. My complaint today is a documentation of the written documents sent to them. All mailed documents were notarized appropriately. I have excluded evidence from this complaint that is in the mailed packages, but have included the invoice because I believe it was left out of the mailed package and I may not have sent a complete package with all eveidence. I will mail the the complete package tomorrow ensuring the invoice is included again. I WAS CLEAR IN THE CEASE AND DESIST ARC SHOULD COMMUNICATE ALL THINGS TO ME IN WRITING AT MY HOME ADDRESS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit report shows bad debt for 800+ $ to a XXXX credit card and after dispute has decided it is valid. I am a XXXX and pay my debts. 
I have never been in a XXXX store and never opened a credit card. Therefore there can be no proof that I opened this account. Experian believes someone and there is no way to prove you didnt do something because there is no paper trail to prove something never happened. 
The system is rigged and unhelpful for the average guy.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$450.00} XXXX XXXXXXXX Balance : {$390.00} XXXX XXXXXXXX Balance : {$450.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of multiple written requests, the unverified accounts/inquiries listed below are still reporting on my credit report in violation of federal law. The XXXX  Credit Bureau failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts/inquiries completely from my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I received a letter offering to settle the account for a specific amount. I paid that and they were supposed to update the credit reporting to settled in full but they have not and i have written them and they still continue to report this as a balance remaining
Product: Credit reporting or other personal consumer reports

I am writing to formally report an issue I am experiencing with XXXXXXXX XXXX regarding my car loan. During my bankruptcy proceedings, I reaffirmed my car loan and have not missed a single payment since then. In fact, I have consistently paid more than the required monthly amount. 
After my XXXX  XXXX discharge, I contacted XXXXXXXX XXXX to inquire why my positive payment history was not being reported to the credit bureaus. They informed me that they would not report my payments at all. I requested a written statement confirming their policy on this matter, but they refused to provide it. 
This lack of reporting is severely impacting my ability to rebuild my credit, which is essential for my financial recovery. I would greatly appreciate any assistance or guidance you can provide regarding this situation. 

Thank you for your attention to my concerns.
Product: Student loan

On XX/XX/XXXX, I requested Mohela refund for all my payments made after XX/XX/XXXX. I have also asked a reinstatement of all loan balances paid off after XX/XX/XXXX. At the time of my loan payments in XXXX, XXXX XXXX ( XXXX ) was my servicer. XXXX then acquired my loans in XXXX. 

In XX/XX/XXXX, my loans were transferred to Mohela, my current service provider. I have called Mohela more than five times since XX/XX/XXXX to ask for a refund of loan payments made after XX/XX/XXXX. Each conversation receives different information and responses regarding when I will receive the payments. Also, it's been almost a month and my loans have not been reinstated and still do not appear on my Mohela balance ( see attachment ).
Product: Credit reporting or other personal consumer reports

I am sending to formally dispute the unauthorized inquiries on my credit report. Upon reviewing my credit report, I noticed several inquiry that I did not authorize. This inquiries are negatively affecting my credit score, and I am concerned about the potential impact on my financial standing. 

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

These accounts are reported incorrectly and do not belong to me, I want it to be deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$460.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$85.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$2200.00} XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$200.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$82.00} INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Mortgage

In XXXX I paid off an existing Flagstar Bank loan and refinances with Flagstar.  Through the process they collected 2 months worth of homeowners insurance which would have paid me until XXXX and set me up with an escrow account. My insurance renewal was in XXXX. For reasons that they are unable to fully explain, and seems as though they do not want to take any blame on their part, they made a payment to my insurance company that did not go through. They never once tried to contact me to let me know there was any issues knowing that this forced me to have a lapse in insurance. The comfort of having an escrow account is that you know your taxes and insurance are paid. I received a notice from my insurance company in late XXXX confirming I was no longer covered. When I contacted Flagstar, they told me that I was supposed to authorize the payment once it was attempted in XXXX and returned. I confirmed I was never contacted regarding an authorization and they repeatedly told me that had I authorized this, it would have been paid. They refused to confirm why I was not contacted. When I asked that they immediately release the funds they confirmed that their insurance department was closed and they could not confirm if I had enough funds. When I told the manager I had access to my online account and asked if that was the same amount he told me he did not have that information and refused to put me on hold to confirm with another representative. It was n't until I told him that I would personally file a complaint against him if he did n't even attempt that he put me on hold and within 2 minutes was able to confirm the amount was the same. Due to this failure, I have had no insurance for over a month. Whats worse is the lack of cooperation when this mistake was discovered. They refused to acknowledge it was their mistake, refused to ask for help on basic information, and also refused to release the funds tonight. They are making me wait XXXX hours which means I am still unprotected. I am writing because this is an abuse of power on their end and I would like an investigation into this matter as someone needs to be held accountable for this major mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX CT, XXXX XXXX, FL XXXX TODAYS DATE:XX/XX/XXXX To Whom it May Concern : XXXX  XXXX. XXXX XXXX XXXX, TX XXXX XXXX  XXXX. XXXX  XXXX XXXX, GA XXXX TransUnion, XXXX XXXX. XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX  Automotive Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Furnishing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Automotive Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Miscellaneous and public record Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX Banks and XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Finance, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Automotive Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  Banks and XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Credit card and travel / entertainment companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX CT, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 

initial dispute XX/XX/2021 round one letter XXXX
Product: Credit card

On or about XX/XX/XXXX | recieved email from Concora Credit stating that my new " Milestone Mastercard '' ( Account No. XXXX XXXXXXXX ) has been approved and will be mailed. I assumed ti was a scam email, because I never applied for a credit card. 
On XX/XX/XXXX, I recieved a Milestone Mastercard with a {$700.00} limit issued by the XXXX XXXX XXXX. 
For a moment I considered that this was merely identity theft, but I googled the company name, and saw dozens of complaints about this company being a scam. 
Iam requesting the company close this account, and pay me damages for the hit to my credit score for the fraudulent hard inquiry, recently opened account, and soon to be closed account. 
Ibelieve this company should be fined and shut down for this identity theft and scam to consumers. 

On or about XX/XX/XXXX, I recieved a statement with a {$170.00} balance for credit protection on the card. 
I attempted to contact the company who claim to have no account on record with my last 4 of XXXX and the account number they provided me. I didnt give them my full SSN but I am now worried that they have my last four, I should not have done that. Is this an intent steal my info? 

They better not be able to report this card to the credit bureau because it was unauthorized and I read online that they are scammers. 

Please see screenshots.
Product: Debt collection

None of the above actions properly stated my issue, although I was forced to choose one. I chose, '' contacted me instead of my attorney '' but that is n't the issue. New Hampshire state law does not permit debt collectors to leave messages. a debt collector from Bonneville Collections left a voicemail for me on my cell phone in early XXXX.
Product: Vehicle loan or lease

n 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 U.S.C 1681. 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 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 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 know or has reasonable cause to believe that the information is inaccurate.

After I submitted this initial report the account mentioned above has now added an additional late payment. So now I have two late payments on this account when the account was closed in XXXX. Chrysler Capital did not process my refinanced check in a timely manner and now they are acting with malicious intent by adding an erroneous late payment. Further more, all investigations into this account have proven that this information is inaccurate. Chrysler Capital did not add my refinanced payment to my account and this resulted with my account being flagged as late because Chrysler capital 's inability to process refinanced checks in a timely fashion. This is has caused unrelenting stress upon myself and my family and has caused great turmoil.
Product: Checking or savings account

This is my 3rd complaint with this department about ongoing issues with my Truist account. Truist still says I'm - {$470.00} in my account and by my calculations that's incorrect. Please refer to my previous 2 complaints if any questions. I would like to get this settled as this has been an ongoing problem.
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 Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards the incorrect item on my credit report. It been well over 30 days and haven't receive any investigation results.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation I realized that my personal information was exposed in several different data breaches as well. I have no recollection of applying for any of the accounts in question and they are negatively impacting my credit severely. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days. These fraudulent accounts are not only damaging my credit, but they are also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent any further damage to my financial well-being.
Product: Credit reporting, credit repair services, or other personal consumer reports

im a victim of identity theft and have contacted all 3 bureaus about this issue to no avail! i even filed a police report at my local sherrifs office and yet still nothjing has been done! beeen dealing with these issues for years and its holding me back from acquiring the things i need in life! 
XXXX  equifax and XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX FL XX/XX/year> Experian Dispute Department XXXX XXXX XXXX  XXXX, TX XXXX Subject : Dispute of Inaccurate Information Failure to Investigate in Violation of FCRA 605B and 611 Dear Experian, This letter serves as a formal dispute regarding inaccurate and unverifiable information on my credit report. Despite multiple attempts to address this matter, Experian has failed to conduct proper investigations and continues to report inaccurate information, in violation of the Fair Credit Reporting Act ( FCRA ) and as supported by the Consumer Financial Protection Bureau ( CFPB ) lawsuit against Experian for sham investigations. 

The disputed account ( s ) include XXXX XXXX XXXX XXXX XXXX Under FCRA 605B [ 15 U.S.C . 1681c-2 ], I am entitled to have fraudulent or unverifiable information blocked from my credit report upon providing proper notice. Additionally, the CFPB has documented Experians systemic failures to investigate disputes properly, including : Conducting sham investigations. 
Failing to provide consumers with accurate or consistent investigation results. 
Improperly reinserting deleted information. 


DEMAND FOR RESOLUTION 1. Immediate Block : As required under FCRA 605B ( c ), the disputed information must be blocked from my credit report unless you can verify its accuracy within four business days.

2. Written Confirmation : Provide a written notice confirming the results of your investigation, as mandated by FCRA 611 ( a ) ( 6 ).

3. Evidence of Verification : If you believe the information is accurate, provide documentation from the furnisher proving its validity and compliance with FCRA 623 ( b ).

Failure to comply with these requirements will result in a formal complaint to the CFPB, as well as potential legal action for damages under FCRA 616 and 617. 

Sincerely, XXXX XXXX XXXX XXXX Attachments : Copy of identification Proof of address Supporting documentation
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

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 UNAUTHORIZED INQUIRIES listed below XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, a hard inquiry from XXXX appeared on my EXPERIAN credit report.