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

Why is this good account being removed? From my previous dispute back in XXXX I have never listed in my FTC dispute to remove an account that is good standing. This is an FCRA violation. I have never disputed XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. XXXX This should be placed back onto my report or pay {$1500.00} per FCRA violation for doing wrong things to my report. Unacceptable. 
-- -- -- -- -- -- -- -- -- -- -- Along with this account XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details.<<<<<<<<<<<<<<< I want the account kept in my report. I disputed this account as never late, so explain to me why this is removed off as well. FCRA violation on all that was done to my report. And all that is on my report. Experian should really be sued for this!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX Date Opened : XX/XX/2017 Balance : {$1600.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone in Experian and XXXX  credit bureaus keeps changing my address without my consent. I deposited the information 22  times. I filed two police 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, gave me two letters of release stating the debt wasn't mine Experian and XXXX keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 

My correct address is XXXX XXXX XXXX XXXX, IL XXXX My name is XXXX XXXX XXXX My phone number is XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. The following fraudulent accounts and inquiries have been identified as a result of this breach :. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

i tried to modify my loan to have my mortgage payments lowered my mortgage comapny refuses to lower my mortgage payment even though i send them all the details hardship about my hardship and they continue to refuse modifying my loan to make my mortgage payment lowered.
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain accounts and inquiries listed on my consumer credit report, as referenced below, which are the result of a data breach or fraud. Additionally, I demand verifiable proof bearing my signature or electronic signature, as I never authorized these actions. These incidents constitute a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B [ 15 U.S.C. 1681c-2 ], which mandates the blocking of information resulting from fraud or a data breach, and Section 604 [ 15 U.S.C. 1681b ], which outlines permissible purposes for accessing consumer reports.

I have contacted the companies involved and confirmed that these actions were initiated without proper validation or original proof from the reporting entities. As I did not authorize these accounts or inquiries, they are inaccurate and should be removed. This constitutes a breach of my consumer information rights by creditors or third-party data furnishers. 

Thank you for your prompt attention to this matter.
Product: Debt collection

I received a phone call from my sister saying someone was trying to contact me. I called the number ( XXXX ) they said they are from RM associates and I owe a bill for my child from XXXX at XXXX XXXX XXXX. The man 's name was XXXX, he said they were going to sue me for {$650.00} but if I paid him right now it would only cost {$320.00}. I said I need to call my XXXX, he said I have XXXX minutes to call him back. I spoke to the hospital that said I didn't have a bill at that time for either my child or myself, my child also is and has been on her XXXX XXXX insurance her entire life, she's XXXX. They knew my social and address.
Product: Credit reporting or other personal consumer reports

I came across the CFPB Experian lawsuit. 

I feel I was negatively impacted, hurting my chances at credit after receiving a response to my earlier dispute that the accounts were " verified ''. 

Come with the receipts, or be quick to delete.
Product: Payday loan, title loan, personal loan, or advance loan

The company has a scheduled payment every 2 weeks, when I log on their website and make a payment and pay more than the minimum payment, the company does not apply the extra payment towards reduction of principal amount, they instead move next payment date months out and continue collecting daily interest. This is after their App specifically states that extra payment will be applied towards the loan balance which never happens. I am unable to pay down my principal balance in order to reduce the interest charged on my account. They prioritize interest over principal reduction even when the payment amount is over the minimum amount and they stop automatic payments until they have collected interest from the overpayment.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX ACCOUNT # 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
Product: Mortgage

MY LENDER SWBC WAS REQUESTING FOR PROPERTY TAXES : I HAVE EXPLAINED MULTIPLE TIMES I AM TAX EXEMPT BECAUSE OF THE STATE THAT I LIVE IN BEING A VETERAN AND MY AGE THEY ARE AWARE OF THIS THEY ARE SERVICING MY LOAN I HAVE ALWAYS BEEN TAX EXEMPT. I ASKED TO CONTACT THEIR ESCROW DEPARTMENT AND THEY REFUSED. THEY STATED THEY WILL NOT REVIEW MY DOCUMENTS BECAUSE I DID NOT SUBMIT THE WRITTEN LETTER OF EXPLANATION OF MY TAX EXEMPTION BY XX/XX/2019 THEY CLAIM THEY RECEIVED ON XX/XX/19 AND THEY WILL NOT REVIEW IT.
Product: Credit card or prepaid card

I have an amex account where my children have cards. On one of my young adult/college daughters account she attempted to pay her bill. She made an error and tried to correct it. The system said her payments were cancelled but the payments were not cancelled and the payment was not paid by her bank. The payment was attempted again the next day and the payments were covered. Amex froze all of my personal account for an account that 1. was not the primary account holders account for over 10 days AFTER being paid for XXXX, 2. I was charged XXXX for XXXX which seems unreasonable considering the account was not the primary account and the attempts to cancel the error was not honored by amex. 3. amex customer service would not resolve the issue with me and said they could not remove the hold even if the payment was covered. 

There is no agreement I have with Amex that states that they can uncancel a payment and use secondary card payments the account to freeze the entire account. They never sent a notification that the account was on hold and why. They have not provided any explanation why and how long the account would be put on hold. Currently it has been on hold indefinitely without explanation!
Product: Debt collection

I paid my bill to the XXXX in full in 2011. Then I got a bill for {$1800.00}. I contacted XXXX ( we had coverage through XXXX ) and they said the XXXX never filed for XXXX portion of my treatment. I tried to explain this to the office several times and they threatened a lawsuit. 
I have not responded sooner to the incorrect report on my credit file because of ongoing sickness with my husband. Now I feel this has gone on long enough. I do not owe this balance and I asked them for the records a long time ago and never got them.
Product: Debt collection

I was a victim of identity theft in the mid to late XXXX 's. I only learned of the Identity theft due to a hospital collection agency contacting me at my place of employment requesting I pay a bill. I filed a complaint with the local police department in XXXX of XXXX. I did not learn of the credit card theft until XXXX. 
I filed a FTC complaint # XXXX. 
Now, over 20 years later, I received a letter from a new collection agency, requesting payment of a debt. The first collection agency XXXX sold my information to another collection agency, Synergetic Communications.
Product: Credit reporting

I dusputed a collection on my credit report that they allowed to be added back on. Claims it was from 2010 but had been removed and the credit agency refuses to remove it which is against the law as they can not keep changing the reporting date to keep it active on the credit report
Product: Credit reporting or other personal consumer reports

These inquiries were unauthorized and I'm a victim of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit reporting or other personal consumer reports

My personal information on my credit report has inaccurate details. Upon reviewing my credit report, I have noticed discrepancies with my name, address, and telephone number. 
The correct information is as follows : Name : XXXX XXXX Address : XXXX XXXX XXXX Phone Number : ( XXXX ) XXXX XXXX I
Product: Credit card

I wrote to XXXX XXXX and filed a formal dispute with the Discover card. I ordered food from XXXX XXXX XXXX for {$70.00} on XXXX. They said the food would be ready at XXXX. The food was not delivered to use until XXXX so we waited outside for 45 minutes. The food that came was unedible. When ordering XXXX they ask you about how spicy you want it. We said Mild. They delivered it so spicy that we could not even eat it! The whole food we received was not edible at all and it was thrown out. I called the restaurant 5 times to discuss this with them. They never ever responded so I disputed the charge. Just because the restaurant told them they gave me the meal Discover ruled in their favor! They never called me to discuss or investigate anything. If the item i ordered was not as described they are to refund me which Discover has refused to do! I am filing this dispute formally against Discover for failing to provide me with the rights I am owed and that is to refund me in full for receiving goods that were NOT as Described!
Product: Debt collection

So many different Collection Agencies and Debt Collectors are calling too much for old debts.
Product: Credit reporting or other personal consumer reports

The following companies made unauthorized hard inquiries on my credit. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My personal information has been exposed in a data breach. Due to this mishap i have several accounts that DO NOT belong to me. Here are the accounts listed below : University of XXXX Acct # : XXXX, Bal- {$1100.00} Date opened : XX/XX/XXXX University of XXXX Acct XXXX : XXXX, Bal- {$540.00} Date opened : XX/XX/XXXX XXXX XXXX XXXX- Acct # : XXXX, Bal- {$34000.00} Date opened : XX/XX/XXXX XXXX XXXX management- Acct # : XXXX, Bal- {$1700.00} Date opened : XX/XX/XXXX XXXX XXXX XXXX- Acct # XXXX, Bal- {$1300.00} Date opened : XX/XX/XXXX XXXX XXXX XXXX- Acct # XXXX, Bal- {$370.00} Date opened : XX/XX/XXXX XXXX XXXX XXXX- Acct # XXXX, Bal- {$140.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX- Acct # : XXXX, Bal- {$65.00} Date opened : XX/XX/XXXX XXXX XXXX- Acct XXXX XXXX XXXX, Bal- {$1400.00} Date opened : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I sent a certified letter to TransUnion LLC asking them to correct inaccurate information on my credit report. The letter was accompanied by extensive and conclusive evidence that the debt in dispute was previously settled with the creditor. My letter and evidence was signed for and received by TransUnion LLC on XX/XX/2023. On XX/XX/2023, I received a letter from TransUnion LLC that their investigation was " complete ''. However, the inaccurate information was never corrected or removed from my TransUnion report. 

According to the FCRA, " If a company that provided disputed information to a credit reporting agency is unable to determine whether the information is true or not, the law requires them to tell the credit reporting company the information could not be verified so that the credit reporting company will stop reporting it. '' I have attached my original dispute letter with accompanying extensive and conclusive evidence, confirmation that my dispute letter was received by TransUnion LLC, and a copy of their response for your review.

After you review this information, please make sure TransUnion LLC adheres to the FCRA and corrects or removes the inaccurate information from my credit report. If they fail to do so, please inform them of my intent to sue in Federal Court to have the erroneous information reviewed. 

Thank you.
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 OAG CHILD SU XXXX Balance : {$0.00} OAG CHILD SU XXXX Balance : {$0.00} OAG CHILD SU XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX HAVE CHANGED THE TERMS OF MY LOAN IN VIOLATION OF LAW. MY PROMISSORY NOTE EXPLICITLY STATES THAT ONLY MY PRINCIPAL AMOUNT IS TO BE REPORTED UNLESS I AM REMOVED FROM IBR. I HAVE NOT BEEN REMOVED FROM IBR AND INSTEAD XXXX XXXX HAS DECIDED ON THEIR OWN TO CHANGE THE TERMS OF MY CONTRACT AND HOW THE REPORT MY BALANCE. XXXX XXXX REPORTING THE INCORRECT BALANCE HAS CAUSED ME TO OBTAIN A 40 POINT DECREASE IN MY CREDIT SCORE! FURTHER XXXX XXXX   FAILED TO INFORM ME OF ANY CHANGES TO MY ACCOUNT AS REQUIRED BY LAW!!! I AM REQUESTING XXXX XXXX GO BACK TO REPORTING MY PRINCIPAL BALANCE ONLY OR I WILL BE FORCED TO SUE THIS INCOMPETENT COMPANY! THERE INTERNAL PROCEDURES DO NOT OVERRIDE THE LAW! THEY TRIED THIS SAME ILLEGAL TACTIC WITH ME LAST YEAR AND NOW RETALIATING BECAUSE I WAS ABLE TO GET IT REVERSED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that this account were ever disputed. That is a violation and this account needs to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Errors with name and personal information are being reported.
Product: Mortgage

I called the customer service number in XX/XX/XXXX and XX/XX/XXXX constantly and the message was, theres no customer service representative available at this time. I was blocked from access online to view my account which has never happened before, even during a modification period. I found a telephone number on the federal government Webb site which listed mortgage companies that have class action law suits filed against them under the topic, if you are having problems with your mortgage. This is the only way initially I could get in touch with someone their at PHH mortgage in reference to my modification status. 

I have received my modification agreement in the mail after informing a relationship manager via phone conversation that I hadnt received a final offer upon making my 3 trial payments as contract conditioned. I was emailed a copy the day of our phone conversation but was told I would have to return the mailed copy which has limited my time to read the contract and respond by XX/XX/XXXX considering it arrived 3 days after this phone conversation. I contacted PHH Mortgage company on XX/XX/XXXX and spoke with operator # UCRF9, ( SWATI ) to question the balloon payment in the modification agreement of {$52.00}, XXXX  that would be owed at the end of the loan even if I made every payment of {$410.00} for the life of the loan until XXXX. I explained to her that his was incorrect and we could owe this much money. She recommended I submit a written request to have the matter investigated. She stated it had to be faxed to XXXX. 

When I purchased this house in XXXX, XXXX it was for the price of {$99.00}. This was done with an XX/XX/XXXX mortgage of {$79.00}, XXXX and {$20.00}, XXXX. I filed my first bankruptcy case in XXXX. My husband and I have paid on this case since that time. When this company attempted to foreclose in XXXX of XXXX, I was sent a notice from PHH mortgage stating that we owed for some missed payments. ( {$410.00} times 4 payments ) I sent a payment in XXXX and had receipts for other payments. In the midst of trying to prove payments were sent I filed a modification which brings us here today. We were in our last months of payment with Chapter XXXX  and our case is now paid in full. We do not owe PHH Mortgage {$52.00}, XXXX. The second mortgage of {$20.00}, XXXX was stripped in our chapter XXXX case when upon several attempts to meet with the debtors from XXXX XXXX XXXX never showed for court nor a representative. The bankruptcy judge stipulated it be null and void as of the completion of our chapter XXXX case. To sign this modification agreement would be admitting to pay something that we already have paid in chapter XXXX from XXXX to XXXX and agreeing to a debt thats more than fair and owed. Considering we have had an active Chapter XXXX Case since XXXX and making payments on past due amounts, how can we owe this amount?
Product: Credit reporting, credit repair services, or other personal consumer reports

I did n't apply for no credit for a auto loan or authorize nobody to use my information to apply for credit. A hard inquiry is on my credit report.
Product: Credit reporting

Experian LLC XXXX. XXXX XXXX XXXX, XXXX XXXX Credit File Number : XXXX XXXX XXXX XXXX ( SSN # XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX RE : XXXX XXXX Code 1681g Section 609 - Disclosures to consumers Dear Credit Reporting Agency, I am writing to exercise my right to request verifiable proof of the negative events you have listed within my credit file. The 15 U.S. Code 1681g Section 609- Disclosures to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE. 

Public Records-Federal Tax Lien XXXX County Circuit ( This debt was included in the bankruptcy chapter XXXX filing and withdrawn. Please accurately report this information or delete from file. ) / Identification Number # XXXX Date Filed : XX/XX/2016 Claim Amount {$32000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is reporting adverse information to the credit reporting agencies ( XXXX, Transunion, XXXX  & XXXX. I send the company a dispute letter asking for proof of the adverse information they are reporting to the credit bureaus. The company provided a generic letter stating they are not able to change the delinquent ratings reported to the credit bureaus. The company did not provide any proof for the adverse information that they are reporting. I have disputed this issue several times with the credit reporting agencies ; and they claim they verified the information as accurate. The credit reporting agencies is verifying the information through there XXXX system with a code ( a electronic third party data base ) and not doing a reasonable investigation as stated in the Fair Credit Reporting Act. The company is responding to the credit reporting agencies with an XXXX code. The credit reporting agencies can not verified 100 percent of the information as accurate without any documentation or proof.