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

I disagree with the results of your investigation on the following items that still appear on my credit report. These inaccurate items are doing damage to my credit rating, and I demand that these items be reinvestigated. 
Per the Fair Credit Reporting Act, Section 611 ( a ) ( 6 ), I request that you provide a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. By law, this information must be provided to me within 5 business days after the completion of the reinvestigation. 
Please reinvestigate the following items, and promptly remove inaccurate, incomplete or unverifiable accounts
Product: Credit reporting or other personal consumer reports

Nothing never happened I'm so confused right now with everything.
Product: Credit reporting, credit repair services, 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 confidentially under 15 USC 1681. Act Name : XXXX, XXXX Act Name : XXXX XXXX XXXX XXXXXXXX I, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate.I, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate. In accordance with the Fair Credit Reporting Act, Section 623 ( a ) states that a person, including a financial institution, may, but need not, specify an address for receipt of notices from consumers concerning inaccurate information. If the person specifies such an address, then it may not furnish information relating to a consumer to any consumer reporting agency, if ( a ) the consumer notified the person, at the specified address, that the information is inaccurate, and ( b ) the information is inaccurate. If the person does not specify an address, then it may 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: Credit reporting

When applying for a loan recently they discovered a had a derogatory delinquency on my report when I called experience they told me to work it out with the creditors who I know I never had an issue of any kind with. I tried to get to the bottom of this for days thinking someone was trying to steal my identity. I called the experience a few times and finally they told me they had merged my account with someone else 's ... ... sorry. I wanted them to not only fix that but all the names that had come up on my report including this other person and I would like a PIN number in order for anyone to access my report and I would like a copy of the new credit report sent to me email and postal mail. None and I mean NONE of these things has happened. Now I do n't know if this person is running around pretending to be me but the experience does not seem to be a bit concerned about this mistake and I am very upset and think I will need to get an attorney now.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA ( Fair Credit Reporting Act ) section 609 ( c ) ( 2 ) ( E ) requires the removal of derogatory information that can not be verified. The following accounts listed below can not and have not been verified. My previous disputes with the 3 agencies have been ignored to date. Please provide a FULL CONSUMER FILE DISCLOSURE. 15 U.S.C. Section 1681g ( a ) ( 1 ) for verification of debt and material facts. 
ACCOUNTS : 1. XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) 2. XXXX XXXX XXXX ( XXXX XXXX ) 3. XXXX XXXX XXXX ( XXXX XXXX XXXX ) With continued use of unverified debt and contracts there are REPORTING AND DATA FURNISHER VIOLATIONS OF 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ; False or Misleading Representations 15 U.S.C. 1692e that does not meet Generally Accepted Accounting & Auditing Practices as verification is a federal violation will be used as evidence in Legal Claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my report and came across a lot of errors ( misspelling names, wrong addresses, wrong phone number, unauthorized credit inquiries from unknown sources ) and other account i have no knowledge of.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2013 my father suffered a XXXX  XXXX  and was in my care.He passed Away the care of myself ; which required me to leave my residence and move in to my grandmothers residence. Now it has come to my attention that my home had been intruded upon and my personal information was stolen for the purpose of obtaining credit and residency without my knowledge in an identity-theft crime. I have reported this to local and federal authorities in hope of apprehending the criminals and put an end to their illegal use of my personal information. They have obtained credit or have presently open accounts with the companys listed in the Attached FTC report.
Product: Credit card or prepaid card

So my credit report had a couple of errors on it recently they are all fixed now but this synchonary does want to hear thst and they closed my car care account completely and dropped my limit on my T.J.Maxx card u am asking to reninstste and the won't budge I told them my credit is fixed and there is no more derogatory items but they don't care and said the final decision is still final I had errors on my credit and they are not listening at all
Product: Money transfer, virtual currency, or money service

Around XXXX XX/XX/2020. 
I sent XXXX $ to unknown person. There are not a person, he asked me to send several times with different names. 
I am an enlisted XXXX XXXX. A female texted for me in XXXX told that she is XXXX  in XXXX which is about finance, and shes gon na help me about care package that government will send for soldiers by money. She asked me my phone number to send instructions. Her name is XXXX, and her phone number is XXXX ( XXXX XXXX XXXX. About 5 minutes later, A male called me, he said he is XXXX XXXX XXXX works for XXXX in finance. He said my pay check is wrong amount, he said hes gon na fix it but he need Me send money for him to verify. I sent all of what I had. I did ask him several time to make sure this is true. He said Ill have money back immediately. Then he asked me for my friends phone number. He said he need update same information for them. I refused to give for him because I think he supposed to have it not from me. He hanged it up, and I am not able to call him back. I texted for the female that did she give my phone number for him, she said no but I am not able to text for her immediately because he deleted her account. 
Here is some information that I have 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

In accordance with the fair credit reporting act the this account below Has violated my federally protected consumer rights to privacy and confidentially under under XXXX XXXX section XXXX a. Account name fed loan servicing account # XXXX has violated my rights XXXX XXXX XXXX section XXXX a States I have the rights to privacy XXXX XXXX XXXX XXXX a section XXXX Also states a consumer reporting agency can not furnish a account With out my written instruction. XXXX XXXX XXXX ( a ) ( XXXX ) section states no consumer reporting agency may make any consumer report containing any of the following items of information other then records of conviction of crimes which antedates the report by more than XXXX years. XXXX XXXX XXXX XXXX ( a ) ( XXXX ) a A person shall not furnish any information relating to consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several accounts on my credit report that I believe are the result of fraudulent activity. I have attached a copy of my credit report highlighting the accounts in question for your reference. The accounts I am disputing are as follows : XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX I did not open or authorize these accounts, and I believe they have been fraudulently added to my credit report. I request that you promptly remove them from my credit report as required by the Fair Credit Reporting Act ( FCRA ).
Product: Debt collection

Called the company twice in the last 60 days to try to verify debt, asked for copy of statements from original creditor and a financial breakdown of debt owed. Nothing has been mailed to me, I have also attempted to dispute with credit bureau.
Product: Mortgage

I have made complaint to this organization in the past regarding Bayview Loan Servicing ( hereafter BLS ), and I am not sure if you do anything, read the responses submitted, or have any useful purpose to the consumer, however I made this complaint under XXXX, and want that complaint to be the input for this one coupled with the attached documents. 
BLS via its law firm replied to my last disputes by providing a factually untrue statement with the hope of hiding behind what it stated was the fact that it was in current litigation between the parties, and the issue in my complaint were addressed therein. 
First that is patently false that the parties are in litigation. The case was dismissed on XXXX-18. ( see attachment ) as the case was not ripe for adjudicating. 
Second the issues broached in XXXX dealt with issues of post XXXX-18 and issues that are still occurring with no response even though I have reached out to BLS. 
I have paid off one of my loans XXXX as of XX/XX/2018, and my other loan XXXX will be paid off in either XXXX or XXXX of 2018. BLS is refusing to give me my loan documents and extinguish any UCC 's against my apartment ( XXXX  ) even though it is paid off. They have placed legal fees and escrows illegally on my accounts ( XXXX & XXXX ), and have refused to send me invoices for either of the loans ( which I believe they illegally have been holding ) since XXXX of this year. 
I demand that CFPB require that they put forth a real answer and not the non-sense they have been sending without ever dealing with the issue. 
They are not sending me any correspondence or invoice ( s ) and refusing to communicate in any fashion.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an official grievance against WELLS FARGO BANK ] situated in XXXX XXXX XXXX XXXX Fl XXXX XXXX, CA XXXX. This company has continuously disregarded my consumer rights under the Fair Credit Reporting Act and has resulted in me much unwanted financial AND mental distress. 

For starters, they're reporting a flawed & unverifiable account on my credit document and in addition an account in which I've called for substantiation of the claim and in which they have not been able to present, per the FCRA. Regardless of my goals to resolve this unpleasant nightmare for a number of months now, WELLS FARGO BANK has entirely ignored my interactions and legal submissions to delete this incorrect information from my credit document. I am well aware of the many, various other issues filed towards this company for their illegal and shady business. 

Yet still, in some way, this company is still in business. This company 's unprofessional & negligent habits has made lots of extreme harm, not only to my ability to establish credit & good interest rates but also to my persona as a Professional and as a person. Please help me, and the countless other consumers just like me, to put a stop to the performance of these dishonest & immoral business techniques asap. I genuinely respect your time and service in this matter and hope to hear from you very soon. 

Below is the fraudulent account that I need to be removed : WFFNATLBNK ACC # XXXX**** I am attaching proof of this company acceptance to delete for reference
Product: Checking or savings account

Fraudulent accounts were opened using my identity. Delete these fraudulent accounts from XXXX XXXX XXXX XXXX XXXX XXXX My social is XXXX date of birth XX/XX/XXXX Companies listed below are reporting accounts obtained thru identity theft SANTANDER BANK XXXX XXXX XXXX XXXX SANTANDER BANK XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX of XXXX  I reached out to all 3 credit bureaus plus the creditor which is XXXX XXXX AND XXXX XXXX XXXX. Transunion was successfully able to dispute and block the fraud account which is XXXX XXXX AND XXXX XXXXXXXX XXXX BUT Both XXXX and XXXX still refuse to remove it. I am a victim of Identity fraud and i sent all providing documentation verifying that. The credit first account is not mine. I am not liable for any transactions made by this account nor am I responsible for this account. I AM TELLING YOU AS A CONSUMER TO REMOVE, BLOCK, AND DELETE THIS ACCOUNT INDEFINETLY AND DO NOT PLACE THIS ACCOUNT BACK ON MY CREDIT FILES. Per 15 USC 1681b " the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumer 's rights under section 1681m ( a ) ( 3 ) 1 of this title '' THE COMPANY HAS NEVER SENT ME A VAIDATION OF DEBT THERE FOR THE ACCOUNT MUST BE REMOVED.
Product: Student loan

In XXXX, I applied for an income-driven repayment plan with Nelnet, expecting to receive updates and correspondence regarding the application 's status. However, despite waiting for a significant period, I received no communication from Nelnet about whether my application was approved, required additional information, or was even being processed. 

To my surprise and concern, I later discovered that my student loan account had been transferred to another loan servicing agency ( PHEAA ) without any prior notice or explanation from Nelnet. I was not informed of this transfer, nor was I provided with any details regarding the new agency, how to contact them, or how this would affect my income-driven repayment plan application. 

This lack of communication and transparency has left me in a state of confusion and concern about the status of my loan and repayment plan. I am uncertain about whom to contact regarding my application, and I am worried that this transfer might have affected the processing or approval of my income-driven repayment plan. 

I believe that as a borrower, I am entitled to clear and timely communication about significant changes to my loan servicing and the status of my repayment plan application. The absence of this essential information has caused unnecessary stress and uncertainty. I request that this matter be looked into promptly and that I be provided with comprehensive information regarding the status of my income-driven repayment plan application and the details of my new loan servicer. Furthermore, I would appreciate an explanation for the lack of communication and steps taken to ensure this does not happen to other borrowers in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am complaining about XXXX XXXX AKA XXXX XXXX XXXX AND equifax. 
On XX/XX/18, I discovered accounts on my report. I reported these to all 3 credit bureas. Equifax has not responded nor has XXXX XXXX XXXX. On XX/XX/XXXX, I called equifax. On approximately XX/XX/XXXX, equifax added an additional unknown account to my file called XXXX XXXX. Dispute is also noted next to my new credit card account ( which is not disputed and I opened a few days ago to build credit in preparation to buy a home. There are {$1.00} payments being added and subtracting from the XXXX XXXX aka XXXX to make them active. I found out XXXX is using unknown credit cards from XXXX years ago and renewing the the active dates to harm my credit score. I opened XXXX online disputes, however, I am denied access to them with the reason saying " unable to verify your information ''. I received the same thing with an email dispute. I have held on the phone for 3 hours trying to reach equifax personnel in disputes. It is a difficult process that only tells you what you have already read on your report. Questioning equifax about XXXX XXXX resulted in an immediate XXXX point drop in my credit the next morning with no explanantions. I have waited since XXXX. The 30 days are way past what I should wait. No call, no email, not 30 response.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX Date : XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : XXXX Dear Sir/Madam : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( XXXX ) : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Correct Information to Be Reported : Full Name : XXXX XXXX XXXX XXXX XXXX XXXX of Birth : XX/XX/XXXX Correct Social Security Number : XXXX Correct Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX Current XXXX : XXXX XXXX XXXX I have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report. 

Additionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities.

Request for Investigation and Procedures Pursuant to Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation. 

Additional Request Please note that any automated response generated through the e-OSCAR system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements. 
I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above. 

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section 611 of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within 30 days, as required by law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

In accordance with fair credit reporting act XXXX XXXX  XXXX Account # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report?

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX Open Date XX/XX/2022 Balance {$1200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello - My credit score was above XXXX and for the last two months, I see a decrease of 10 point average. I have informed XXXX XXXX XXXX about this issue then they stated that they are not reporting my credit. 
My bills are all paid in full at the end of each month. All credit agencies are reporting similar.
Product: Credit card or prepaid card

My wife passed away XXXX, XXXX, XXXX. Shortly after, I received a bill from Belk Credit Services. Apparently, unbeknownst to me, my wife had opened an account in my name dating back to XXXX. I have never made a single purchase from Belk and have never even been in a Belk store for that matter. I'm certain if they would take the time to check signatures on the application, purchases, and previous payments, they would concur that none of them are mine. I have contacted them. However, they advised me that I am responsible for the balance. I do not have the means to pay this bill and furthermore I don't feel that I should be held responsible for it. I am XXXX XXXX XXXX and survive on Social Security and a small retirement. 

Can you please advise of options in regards to the matter?