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

I am writing as a victim of a data breach and identity theft. I request that the following fraudulent accounts and inquiries be blocked and deleted from my credit report, as authorized under 15 USC 1681c-2 ( a ) and Section 605 ( b ) of the Fair Credit Reporting Act ( FCRA ). 
Fraudulent Accounts : 1XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

They lied to me about saying I had no choice but to buy their warranty and gap insurance, they told me they had recorded calls of me and never informed me I was being recoreded, my friend refered me and he said they waived his doc fee because they liked her but when I asked they said no unless I buy their gap and warranty.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM XXXXXX/XX/XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

I have been disputing incorrect information on my credit reports since XX/XX/2020. I have been disputing continuously with all three bureaus on multiple occasions. I still have not received a response from them most of the time, this is unacceptable! XX/XX/XXXX TransUnion andXX/XX/XXXX need to respond to my disputes as well as needing to have these items removed from my report as this is inaccurate information.
Product: Credit reporting or other personal consumer reports

I never had a late payment on this account, so I need this account to be updated to payed on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX XXXX {$4400.00}
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 : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and 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: Mortgage

I am trying to refinance my mortgage and my current mortgage company Flagstar Bank is not paying off my taxes that were due inXX/XX/XXXX They are saying that payment is not due untilXX/XX/XXXX but according to my research that is when they are considered late. I contacted Flagstar Bank about 2 weeks ago and they said that the payment was made but according to the county office it has not been processed.
Product: Debt collection

Just recently, I noticed my credit report had an unpaid medical bill listed in collections. I contacted the original creditor XXXX XXXX XXXX XXXX XXXX which is now XXXX XXXX XXXX. They were unable to locate the original charge. I then contacted the collection department who had the debt listed on my credit report. After searching my records, I realized the debt was valid and sent the the collections an email. Unfortunately, with no response from my email I sent, I proceeded to send the collection agency a certified letter. 

My letter, again, acknowledged the debt, I asked for payment options and also apologized for the nonpayment of this bill. I have not heard anything from them as of today, XX/XX/2021. The certified letter was received by the collection agency as per certified mail number XXXX XXXX XXXX XXXX XXXX. 

I have previously left a message at the XXXX number, emailed them as well as sent a certified letter. Since it has has been over a month since the certified letter has been received, I would appreciate any assistance that could be given to help in removing this account from my credit report. 

Please let me know you require any additional information. I would be happy to provide it and I thank you in advance for you assistance.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year> I made a lump sum payment to Sofi on my personal loan XXXX for {$18000.00}. On XX/XX/year> I called Sofi and made a final payment on the account for {$100.00}. On XX/XX/year> I saw I still had a {$1.00} balance so I called Sofi and XXXX ( Rep from Sofi ) told me anything under {$5.00} is covered by Sofi and the loan will be satisfied for my next payment on XX/XX/year>. I checked the account today and it's now showing a {$100.00} balance. I don't know what Sofi is doing, but I don't have the time to continue calling them to try to get them to resolve this. For some reason, they struggle even finding the loan and I'm on hold for a long period of time. I need this account closed ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ran a credit check Q4 of last year and realized 2 of the 3 major credit reporting bureaus were missing my education loan accounts. XXXX   and Equifax do not see my XXXX  open accounts as existing,XX/XX/XXXX reports them correctly. 

I then contacted XXXX thinking this was a reporting error on their side. They got back to me stating they are indeed reporting, otherwise XXXX  would not be getting the reports and the " fixing '' needed to be done on the credit bureau side. 

I called XXXX  and their Dispute Dept. representative told me that XXXX is a " subscriber '' and they are receiving no information from them regarding my account. They also mentioned that I would need speak with them and have them get in touch with XXXX directly. Calls to Equifax were futile as I kept being put on hold and the line would drop. 

I then called XXXX back and was escalated twice to different supervisors and each level also confirmed they are indeed reporting the data and they do not know what else they can do. 

I need the CFPB to moderate the exchange as neither group seems to be able or willing to coordinate a problem solving relationship regarding my particular issue. 

As an additional note, XXXX is confirmed to have all the necessary documentation for this case.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I did a a dispute with Transunion about XXXX XXXX XXXX. I stated this debt collector did not notify me in anyway before placing a tradeline onto my account. I then called Transunion to dispute this, and i just received an update that nothing was changed. 

1.What did Transunion do to investigate? 
The debt collector does not have any documents proving they can even collect on this account, the are awaiting the original creditors to provide them with documentation. 
Also, If they don't have the documents, then Transunion did not properly investigate my claim and I'm seeking the maximum compensation. 

Read attached documents proving the debt collector does not have proper documents to place anything on my credit file, also violated the law by not contacting me first.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX from Nationwide consultants called me about a loan on the XXXX, I requested only {$20000.00} but stated he managed to get me more which was XXXX. I then saw a XXXX on the breakdown and asked I'm hoping I'm not paying that amount he the reassured me by sending his consultants docs with their fees and mentioned not once about other fees. I requested to cancel the loan on the same day of the application. I got curious as {$26000.00} was reported on my credit which I disputed. I spoke with his manager XXXX who advised me that he will listen to the recordings and if I'm in the right he will refund their fees which was honored. XXXX went ahead and created a XXXX account without my consent, all the emails that upstart loan company email me was unopened the entire time. XXXX advised me that the way their company functions the borrower has to to the application themselves and he should not collect my information including my social and bank in. The manager XXXX advised me that they don't know who Nationwide is. XXXX distracted me by sending his documents with his fees when I asked what is the XXXX for he said I'm not paying that only what's deposited in the account. XXXX made me felt like he was my to go guy during my loan process and now I should be responsible for origination fees of {$3000.00} plus. I'm seeking for a solution to my situation but, end up in a worse place. I told the general manager XXXX that their company is know for this as I have seen other complained with the XXXX yet they continue to misrepresent others in need. I'm a single person at home with a mom with XXXX XXXX and I know that I would never take out this loan if XXXX was transparent but, the company should not be let of the hook as I intend to take them to see the Judge. I pay minimum payments on my cards but no creditors looking for me I have excellent payment history in spite the struggles.
Product: Credit reporting or other personal consumer reports

Importantly, a furnishers inability to conclusively determine that the disputed information is inaccurate does not mean that the furnisher is permitted to report back to the consumer reporting agency that its investigation verified the accuracy of that information. Instead, if the evidence available to the furnisher is insufficient to establish the truth or falsity of the disputed information, then, under the statutory framework, the furnisher must report that its investigation concluded that the disputed information can not be verified. 
XXXX, 827 F.3d at 1304. So, for example, if a furnisher is unable to verify that a consumer missed a payment, then it may be appropriate for the furnisher to delete any mentions of the missed payment while continuing to report other information about the account. 
I am requesting pursuant 15 USC 1681i ( 6 ) NOTICE OF RESULTS OF REINVESTIGATION a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. 
when disputed information can not be verified is to delete that information. In particular, Section 1681i outlines consumer reporting agencies responsibilities in responding to consumers disputes and, like Section 1681s-2 ( b ), provides that when a disputed item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency must delete or modify it as appropriate, based on the results of the reinvestigation. 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). Section 1681i goes on to provide that, [ f ] ollowing any deletion of information which is found to be inaccurate or whose accuracy can no longer be verified, the consumer reporting agency must in some circumstances notify certain people who previously received a report with the now-deleted information. That provision thus contemplates that when information can no longer be verified, the proper response is to delet [ e ] it. See XXXX, 827 F.3d at 1304 Delete the information you are Reporting as Late.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I wrote a letter to Experian concerning incorrect personal information that I found on my credit report ( 4 addresses and 1 phone number ) and that I would like the incorrect personal information to be deleted by Experian. On XX/XX/2021 I mailed the letter via USPS Certified Mail with returned Signature Confirmation to Experian. I received back the signature confirmation from Experian via USPS indicating that they did receive my letter on XX/XX/2021. On XX/XX/2021 I received a response from Experian via their online portal that they deleted 2 of 4 of the incorrect addresses from my report and deleted the 1 incorrect phone number from my report. But 2 incorrect addresses were not removed by Experian from my report and 2 incorrect addresses still remain on my report.
Product: Money transfer, virtual currency, or money service

The company is PayPal. I received a 1099K with my name and address for an account that I did not set up. PayPal would not give me phone or email associated with account or general info about how or when it was set up.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Below are all the inquiries that need to be removed from my credit report along with addresses. I have only one address and one telephone number which XXXX XXXX XXXX, CA XXXX and my telephone number is XXXX. 

Below are the unauthorized inquiries. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Below are the addresses that need to be removed. 

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

I have been disputing my collections accounts with Transunion for almost seven months now and haven't many results or communication from them. I'm just trying to get things removed so I can improve my score and put my family in a better position in life. I will all letters sent to them so they can see the history I have of mailing them ...
Product: Debt collection

THIS DEBT CREDITOR OR DEBT COLLECTOR HAS NOT RESPONED TO MY REQUEST FOR VALIDATION OF DEBT AND ACCORDING TO THE FCRA AND FDCA IF YOU CAN NOT VALIDATE A DEBT NOR RESOPOND TO A CONSUMER REQUEST THEN THE DEBT MUST BE DELTED FROM MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations of Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report leaving inaccurate or unverifiable accounts unresolved.The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer providing evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes.These failures align with my experience where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove the disputed accounts, as Experian inactions violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint about fraudulent information on my credit report resulting from identity theft. I submitted a block and delete request to XXXX, Equifax, and XXXX, under 15 USC 1681c2, including my FTC Identity Theft Report and all required documents. However, the fraudulent accounts remain on my report, despite the legal requirement to remove them within four business days. Please find attached my dispute letter, FTC Identity Theft Report, and supporting documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance : {$6800.00} ; XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX Balance : {$22000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$25000.00} ; XXXX XXXX XXXX XXXX XXXX {$7100.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$24000.00} XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX XXXXXXXX Balance : {$9300.00} ; XXXX XXXX XXXX : {$8700.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$9600.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$430.00} ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Experian refuses to cooperate with the report from XXXX  XXXX XXXX  and correct the current report in error. The payment on XX/XX/XXXX was not {$140.00}. The payment was {$1600.00}. The creditor has acknowledged this and sent the AUD to Experian on XX/XX/XXXX. The AUD # Is XXXX XXXX, Experian call @ XXXX ( XXXX  ) Called me on a recorded line after a member services rep in the same department was unable to give a status of the resolved disputes and the open or closed disputes CFPB is now aware, FTC will also receive this report : Employee ID # ( refuses ) Case # XXXX Department : Disputed Department Title : Supervisor No department to escalate call No information about any of the disputes Refuses to take report number about any of the disputes that have been opened or closed AUD # Is still not reported and a decrease of a total of XXXX points on the XXXX XXXX due to this error and injury
Product: Credit reporting or other personal consumer reports

Previous attempt to the Experian, XXXX and XXXX to update my Legal name to my true name as met with indifference and inaction. This is a violation of 18 U.S. Code 242 - Deprivation of rights under color of law,
Product: Debt collection

Iam qualified for the loan from XXXX XXXX for {$5000.00}, there is not to have acces to that money, because Chexsysteme reported I have an oustand balance of {$130.00} from XXXX XXXX account ending XXXX. I call XXXX XXXX  spoke with them they said : they dont report to Chexsystem and they report to XXXX, XXXX  XXXX and XXXX XXXX And XXXX  doesnt recognize that bank account et that outstanding balance, that is why I am writing to you to help me to remove that information in my credit report.
Product: Credit reporting or other personal consumer reports

A eviction was fraudulently put on my credit and every time I told them it was inaccurate they told me it was. There was no proof provided when I asked for it.
Product: Credit reporting or other personal consumer reports

The problem I have is that there is information missing on my XXXX credit report. My Discover credit card does not show up on this report - I have had this account for over XXXX years. The information correctly shows up on my XXXX and XXXX credit reports. 

I have reached out to XXXX a few times - I don't have every date of correspondence. At some point in XXXX, I mailed in pages of Discover credit card statements, and my XXXX and XXXX credit reports correctly showing my information. I never heard back about this. I reached out via call on XX/XX/XXXX, back in XX/XX/XXXX, and again XX/XX/XXXX. Every time I reach out, they tell me there is nothing they can do because the onus is on Discover to report that information to them. 

I have exhausted my options with Discover- they insist that they report my information every month to all three credit bureaus ( which I am inclined to believe since the other XXXX credit agencies have my information correct ). Twice I have initiated an " investigation '' with Discover. The investigation is supposed to lead to them reaching out to XXXX and getting XXXX to correct my information. I initiated this investigation with Discover back in XX/XX/XXXX, and again on XX/XX/XXXX. I have never heard back about this. 

I have verified that my full name, address, and social security number are all correct with Discover and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit card were compromised by my tenat. they took picture of my credit card back and fron, social security and driver license. and purchase on line.

Identity theft
Product: Credit reporting or other personal consumer reports

I HAVE CHECKED MY REPORT AND THE INFORMATION LISTED IS WRONG AND I WOULD LIKE ALL WRONG INFORMATION DELETED ASAP company is in violation of 15 usc 1666b per this violation please remove all WRONG INFORMATION LISTED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX