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

My SSN was stolen by identity thief in XXXX XXXXXXXX while I was traveling XXXX XXXX XXXXXXXX. I only have one bank account in XXXX XXXX They use my SSN to open 2 credit card account in Citi bank and XXXX XXXX XXXX. They log in to my online XXXX XXXX account and try to wire {$12000.00} out. I report the status to XXXX XXXX and they decline all the unauthorized transaction, the bank show me the document that someone change my default address and phone number. So far XXXXXXXX XXXX did well to protect my money. 

In XX/XX/year> I receive the Bank statement from Citi bank and XXXX XXXX XXXX. I went to the bank conform that these are not my account. So I request the bank to freeze these account and close them. The Citibank still have the balance of {$710.00} and XXXX XXXX has {$660.00}. The address for these two bank account and the transactions on the statement are closed to my home address. After investigation of the bank fraud protection group, They said I am responsible for this account, I have to pay the balance of XXXX + {$710.00}. I don't know how to prove I am a victim of identity theft, Police can't file the case because I couldn't get the affidavit letter from bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting to my consumer report as opened XX/XX/2016 in the amount of XXXX  ; XXXX}. I notified the bureau that these accounts are unauthorized.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX - XXXX {$1000.00} XXXX XXXXXXXX XXXX  - XXXX {$640.00} XXXX - XXXX {$730.00} XXXX XXXX XXXX {$840.00} XXXXXXXX XXXX  - XXXX {$840.00} XXXX - XXXX XXXX {$550.00} XXXX - XXXX {$550.00} XXXX XXXX - XXXX XXXX  - XXXX XXXX XXXX XXXX {$640.00} XXXX - XXXX {$830.00}
Product: Bank account or service

I BEEN WITH WELLS FARGO BANK FOR XXXX YEARS I NOTICE MONEY BEEN MISSING IN MY ACCOUNT SAYING ITS OVERDRAFT FEES ETC THEY DONT CALL OR ONCE IN A WHILE SEND ME BANK STATEMENTS WARNING ME IF I DID THEY STILL TAKEN MONEY OUT MY I CALL AND BANKERS PUT ME ON HOLD WITH NO ANSWERS I FEEL THEY STEALING FROM ME I CANT TAKEOUT WHAT I DONT HAVE THEY OR SOMEBODY MAKEN A MISTAKE TAKEN MY HARD EARN MONEY I NEED ANSWER I SEE THEY GO LOT COMPLAINTS I DONT THINK ITS XXXXRIGHT TO STEAL IF U DO FROM THEM U GO TO JAIL BUT IS IT LEGAL TO STILL FROM HARD WORKING PEOPLE WITH FEES THEY DONT KNOW NOTHING ABOUT I CALL BUT GET NO ACTIONS
Product: Mortgage

Mortgage through Mr. Cooper. 

I am charged through them in escrow for both insurance and tax. 

They have not paid out either in years, and they are now trying to force a ( far more expensive ) insurance policy on me, as well as drastically increasing my escrow payment. 

They have not refunded any escrow for unpaid accounts, ( as such, they ow me tens of thousands of dollars ), and refuse to accept my policy ( through XXXX - paid in full and updated. ) There is no phone number they have given me which allows me to talk to a human or to prove resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

After several attempts of trying to dispute the following online that became unsuccessful. There are several inaccurate addresses currently reporting on my credit report that needs to be removed. XXXX. XXXX XXXX XXXX XXXX  XXXX. XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, ok XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. As well as an employer that 's needs to be removed as well XXXX XXXX.
Product: Debt collection

XXXX XXXX XXXX XXXX, connected to XXXX XXXX XXXX, incorrectly billed me {$88.00} for a charge that was to be included in an overall procedure as agreed by XXXX XXXX XXXX. I paid in full, my portion for the overall procedure. After four attempts to resolve the issue, both verbally and in writing, one of their representatives, XXXX admitted to the error and adjusted the balance to XXXX. However, following her advising me that the matter would be corrected, XXXX XXXX XXXX XXXX erroneously sent the matter to collections.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 a hard inquiry was pulled from my credit file without my knowledge. I wrote the consumer asking for this to be removed a month ago but have not gotten a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX  I disputed the completeness and Accuracy of this collection on my consumer report and it has come back verified. I do not believe that XXXX XXXX XXXX properly investigated this account because there are obvious inaccuracies. 

First off, the Account Number does not match. XXXX is reporting XXXX while Experian and XXXX are reporting XXXX. If this has come from the same furnisher there is no way the Account Number can be different. 

The date of the last activity does not match- XXXX is reporting the date of the last activity as XX/XX/XXXX while XXXX is reporting XX/XX/XXXX and Experian is reporting XX/XX/XXXX. Having the wrong date of the last activity makes this account inaccurate because it does not clearly tell you when the account is supposed to fall off. 

The date of the last payment does not match- XXXX is reporting the date of the last payment as XX/XX/XXXX while Experian and XXXX are reporting XX/XX/XXXX. If this isnt reported correctly, then, this means the date of the first delinquency is wrong as well as manipulating the statute of limitations. 

XXXX is reporting a monthly Payment on a charge-off account- It is to my knowledge that a charge-off account is an account that has already been closed by the original creditor so how is it that a closed account can have a monthly payment? This is misleading as it looks like I made payment arrangements with the creditor which is not the case. 

XXXX XXXX  XXXX has violated 15 usc 1681s-2b of the fair credit reporting act. Since they have verified this account as accurate and there are obvious inaccuracies they failed the 5 duties of a furnisher when receiving a dispute which are all violations from each credit reporting agency they are reporting too XXXX XXXX XXXX has also Violated Cal. Civ. Code 1785.25. They are knowingly furnishing inaccurate information which is a {$5000.00} violation per credit reporting agency they are reporting to. 

I also sent them a letter exercising Cal. Civ Code 1785.30 where they are required to correct any inaccurate information from my consumer reports and they have failed to acknowledge my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX of XXXX, I hired Credit Service Repair Corp, I spoke with XXXX XXXX and she prepared the documents ( attached ) to start repairing my credit, but up until XX/XX/XXXX, I did not receive any of the information that credit service repair corp is disputing in my credit profile, I called the company and a person called XXXX stated that they DID NOT provide any of the information that they are disputing on my behalf, I requested in writing via email a formal copy of any and all the letter that they have been sending to the credit bureaus and they simply deny my rights. I inform them verbally and in writing via email of my intention to revoke any authorization to dispute or disclose any information on my credit reports. If credit Service Repair Corp, does not provide me with the information that they had disputed on my behalf I would like to proceed with legal actions in order to protect my rights.
Product: Student loan

In XX/XX/2023 Nelnet which processes the TPD discharge for the Department of Education notified me that my loans would be forgiven under the automatic TPD discharge since I am a 100 % XXXX by the XXXX. I notified Nelnet in writing on XX/XX/XXXX that I wanted to opt out of the automatic discharge since I was still in school as well as Speaking to a representative and telling them NOT to process my TPD discharge. Due to some error Nelnet processed my TPD discharge and discharged my loans. My loan servicer XXXX still hasn't been notifed by Nelnet that I had opted out of the TPD discharge and that my loans need to be reinstated. As you can see from the supporting documentation I received a letter from Nelnet telling me that XXXX would reinstate my loans but they have not fixed this error. I am unable to get loans from my school since after receiving a TPD discharge I have to have a physician letter saying I am not XXXX but that is not possible as I am a 100 % XXXX Veteran. I have reached out to Nelnet and they informed me that XXXX needs to fix the XXXX loans and reinstate them. I contacted XXXX and they notified me that Nelnet still hasn't sent them anything regarding the TPD cancellation as of XXXX. Without the pell grant and Federal loans I will be homeless if there is a lapse in my loan eligibility before my next semester begins. The incompetence shown by the Nelnet TPD discharge department has caused me undue stress and exacerbated my mental health issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

They have 3 accounts on my credit as unpaid collections. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and addresses I do not recognize are continued here. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX and all 3 credit bureaus have failed to remove a late payment from XX/XX/year> from my reports despite constant contact and attempts made by me to have it removed. XXXX XXXX has an automated system set up so that it will automatically deposit and withdraw money to/from an account which will then withdraw and deposit money into another account that is connected to a credit line designed to help build credit. 

The account records show that the accounts not only failed to even attempt to withdraw and deposit for XXXX payment, but then had a delayed deposit/withdrawal on a second payment as well. Due to the system failing to operate as it was supposed to, I am not liable for damages. Once I realized what had happened, I promptly ensured the account was current and contacted XXXX XXXX to advise them of the system and account issue. XXXX XXXX and all three Credit Bureaus ( XXXX, XXXX, and TransUnion ) have been unhelpful in solving this issue and removing the late status from my reports. There has been a couple times where the credit bureaus have removed the late history before readding it later on and a few times where the credit bureaus have failed to send dispute reports. This has gone on for around 8 months now, which is an extraordinarily long time for something as simple as a system error causing a {$10.00} payment to be made late.
Product: Credit reporting, credit repair services, or other personal consumer reports

This contract with XXXXXXXX XXXX has been rescission and should not be on my credit report. Please remove any derogatory statements from my credit report immediately. I have attached a copy of the rescission papers.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the sixth request for my credit report. One of the associates said it was complete and sent me a letter showing it was completed and sent another letter asking for more information. I had previously sent them a drivers license and social security card but they wanted more. I am not employed anymore but retired. So how can I send them an employment certificate. Now they want a birth certificate. I was not born here but I sent them all they needed to release the FREEZE on the now sent another letter for kids certificate. I do not have any kids and who the XXXX said I had kids for you to be asking for certificates and a copy of my report you sent to me. I will send you a copy of legal action in the next letter and will be my last letter to you if want to play games.
Product: Debt collection

This debt is medical and was supposed to be takin care of by my active insurance.There is no proof of we 're this debt is from or y it was n't taken care of by insurance. I would like all the information on this debt and the true collector and origin of the debt.
Product: Credit reporting or other personal consumer reports

I am writing to address significant violations of the Fair Credit Reporting Act ( 15 U.S.

Code 1681 ) that have recently come to my attention While Reviewing my Transunion Credit Report. Consumer Reporting Agencies ( CRAs ) play a vital role in assessing consumer credit information. It is concerning that Transunion, one of the Big 3 CRAs rely on data from smaller agencies, like XXXX, for reports. Identity theft is a major concern. Reporting unauthorized accounts without consent is a serious breach of privacy. CRAs are legally liable for noncompliance under 15 U.S. Code 1681n, with potential penalties of {$1000.00} per violation. The unauthorized buying and selling of personal information poses a significant privacy issue. Compiling a report without consent amounts to identity theft. Privacy is a right, not a privilege, and I demand prompt removal of identified information. I followed the requirements of 15 U.S. 
Code 1681c-2 meticulously, but was not provided clear information about reporting, as mandated by the Gramm-Leach-Bliley Act. By invoking my rights under 15 U.S. 
Code 1681c-2 and 15 U.S. Code 1681b ( 2 ), I seek a swift resolution. I insist on immediate removal of identified items within four days. Furthermore, proper notification for investigative consumer reports, under 15 U.S. Code 1681d, has been overlooked, a clear violation. I expect prompt attention and full compliance with the aforementioned provisions. Failure to do so may compel legal action. Given the comprehensive evidence I have provided, I am pursuing a resolution to address the FCRA violations and the infringement of my privacy rights.
Product: Credit reporting or other personal consumer reports

Around XX/XX/year>, I filed a dispute with XXXX and XXXX stating that CCS Financial Services and XXXX XXXX XXXX, XXXX are attempting to collect a debt in the state of North Carolina without a XXXXXXXX XXXX XXXX XXXX and therefore these items should be removed from my consumer credit reports. NC law requires that a debt collector must be licensed in the state in order to collect on any consumer debt.I did my research and checked XXXX website. Though the companies are valid debt collecting companies, they do not have a license in the state of North Carolina to collect debt. An alleged investigation into the matter was done by the Credit Reporting Agencies and the response was that the debt was verified as belonging to me and it would stay on my reports. I called the credit reporting agencies back explaining to them that that have violated my right under the FCRA by not accurately reporting and investigating and they did not investigate the matter that I initially submitted. They in turn placed remarks on my credit report like : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) XXXX for CCS Financial Services ; Account information disputed by consumer ( FCRA ) ; >PLACED FOR COLLECTION - XXXX. Completed investigation of FCRA dispute.I also have contacted the debt collectors listed but no recourse. I am requesting that these companies be fined, that these items be removed from my credit report, and that I be compensated for these violations to the maximum rate of the law
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am writing to formally dispute the inaccurate information on my credit report, which I believe is negatively affecting my financial well-being and putting me at risk for identity theft. I understand my rights under the Fair Credit Reporting Act ( FCRA ) and am requesting a thorough investigation into these inaccuracies as required by federal law. 

It has come to my attention that the Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against XXXX for failing to properly investigate consumer disputes, alleging practices such as : Conducting inadequate investigations that fail to resolve consumer disputes properly. 
Reinstating previously disputed and inaccurate information without proper explanation. 
Failing to notify consumers of the results of investigations in a timely and clear manner. 
These allegations highlight systemic issues that undermine consumer protections and allow inaccurate information to remain on credit reports. I am concerned that my dispute may be mishandled in a similar manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently noticed the following collection accounts on my EQUIFAX consumers credit report : XXXX. XXXX XXXX XXXX- {$730.00} XXXX. XXXX XXXX XXXX. - {$1500.00} Prior to these accounts being listed on my consumer report and to date, I never received DOCUMENTARY EVIDENCE that the debt owed is accurate from the creditor nor credit reporting bureaus. Valid documentary evidence must be as listed under the 15 US Code 44 Documentary evidence includes ALL documents, papers, correspondence, books of account, and financial and corporate records. 

If this proof is not provided, the accounts can not be listed on my credit file as accurate and I can legally sue for incurred damages. Please note that copies of statements are not accurate proof of such.
Product: Credit reporting, credit repair services, or other personal consumer reports

my name is XXXX XXXX today date is XX/XX/XXXX My Equifax Confirmation number : XXXX My FTC Report Number Is XXXX My Police Report Number Is XXXX I'm Writing This Complaint Myself Because My personal Information recently found out i was involved identity theft and data breach my personal information was used and sold on the black market also my information was also in the Equifax data breach back in XXXX according to XXXX dark web surveillance report it all started back on or around XX/XX/XXXX when my debit card was stolen after a XXXX XXXX  sale at XXXX  in XXXX XXXX Fl my personal information including email and mailing addresses social security my driver 's license and even my phone number was hacked and taken over for 2 weeks 3 weeks and XXXX pin and password was change and taken over by hackers i was very scared about the news i was eligible to file a clam for what was lost but the process was very long, time consuming and complicated being that i don t have a history in credit or finance i was referred to an attorney who specializes in predatory loans and breach victim compensation after carefully reviewing all of my credit files Ive noticed that i have accounts listed or being reported on my credit file that which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft also these accounts are not mine listed : XXXX XXXX {$390.00} Account number XXXX Account type Cell Phone and XXXX XXXX XXXX {$8600.00} XXXX XXXX XXXX Also finding out that my personal infomatiion was used to open up loans, Apartments used for XXXX 's Cars etc Apartments Listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

hsbc checking XXXX does not limit my sharing and confirm limiting my sharing.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, The reason for this letter is to dispute an unauthorized inquiry on my credit report. I retrieved a copy of my credit report and discovered an inquiry that I have no knowledge of. Because I did not apply for a credit from XXXX XXXX XXXX XXXX on XXXX XXXX and XXXX XXXX, I have also reached out asking them that they remove the inquiry from my credit profile. Please launch an investigation into XXXX XXXX XXXX XXXX inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. If you find that the inquiry is invalid, I'm requesting that it be removed from my credit report as soon as possible. But if XXXX XXXX is able to prove that the inquiry is indeed valid, please provide written proof and description of how the investigation was conducted. Thanks in advance for your prompt attention to this matter. Sincerely XXXX XXXX