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

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$4500.00}, XXXX XXXX Account XXXX XXXX date opened XX/XX/XXXX bal. {$1100.00}, XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$730.00}, XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$490.00}, affirm Account # : XXXX date opened XX/XX/XXXX bal. {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to remove these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried repeatedly to resolve an issue with Credit Karma for over a year. I have emailed them to let them know that I am not able to access my account because my phone number associated with the account when I set it up over a year ago ( XXXX ) XXXX was puned or taken over by someone else. Credit Karma ignored my requests to help change the number associated with the account and then to close the account. I received numerous emails from them that say things like someone added you as an authorized user on their credit card and that they received the information from XXXX XXXX. When I contacted XXXX XXXX they said that they did not have any information about me being added as an authorized user on someone's credit card. I have had a lot of issues with identity theft and the fact that Credit Karma continues to keep my account open and I do not have access to it is very concerning to me. I would appreciate any help that you could give me as Credit Karma ignores my request to close this account.
Product: Credit reporting or other personal consumer reports

I filed a dispute with Experian in XX/XX/XXXXXXXX  over an account owned by XXXX XXXX XXXX for a debt of {$1600.00}. The original creditor was XXXX XXXX XXXX. I had never heard of these entities before they appeared on my credit report. Never received a bill for that amount. On XX/XX/XXXX, Experian deleted the account from my credit report, per my request, and closed the dispute. On XX/XX/XXXX, I filed a dispute with Experian over the same amount, this time held by a collections agency named XXXX, XXXX XXXX XXXX. The original creditor, XXXX XXXX XXXX, has now been sold to an entity called XXXX. On XX/XX/XXXX, Experian verified that the information under dispute has been verified as accurate, however, I have never received correspondence about this debt. I have never even received a bill concerning this amount. This is the same {$1600.00} that had been removed from my credit report in XXXX  but has now been verified as accurate and has been on my report for two months, causing my credit to plunge from XXXX  to XXXX.
Product: Credit reporting or other personal consumer reports

On my Transunion Credit Report there is still an account of a loan with XXXX XXXX of a car loan that it was payoff last year. Please verify and make the correction. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my TransUnion credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Address that should be deleted is XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX and XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX The CORRECT Address is XXXX XXXX XXXX XXXX, GA XXXX. 


I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report 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.
Product: Credit card or prepaid card

Membership Number : XXXX Transaction no. # XXXX XX/XX/XXXX, XXXX issued a refund for order number XXXX in the amount of {$160.00} to XXXX XXXX XXXX 

Well the refund failed, so they issued another one which also failed. 

I disputed it Wise, and wise said XXXX rejected the chargeback request. 

Every time I reach out to XXXX they say they'll talk to their Billing department. Every time I reach out to wise they literally send me the exact same email over and over again. Almost as if they're copying and pasting " The merchant rejected our charge back request.

We're now 3 months in and we've gotten no where with a refund. 13 email conversations I've had 2ith
wise and they just spam the same email over and over and over again. I've already sent them additional contact from the merchant for arbitration ... a month and a half ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

sent letters out on XX/XX/2022 and XX/XX/2022 to the three bureaus XXXX XXXX, XXXX  and equifax. still no response. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), they must complete this reinvestigation within 30 days of receipt of this letter. 


XXXX XXXX 1. Validate Account XXXX XXXX Bankruptcy XXXX XXXX : XXXX Please remove it from my credit report. 

2. Validate Account XXXX XXXX Bankruptcy XXXX XXXX : XXXX Please remove it from my credit report. 

3. Validate Account XXXX XXXX Bankruptcy XXXX XXXX : XXXX Please remove it from my credit report. 

4. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. account already paid creditor agreed to remove XXXX XXXX Account Number : XXXX Please remove it from my credit report. 



XXXX 1. Validate Account XXXX XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 

2. Validate Account XXXX  XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 

3. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. Validate Account XXXX XXXX XXXX AM Account Number : XXXX Please remove it from my credit report. 





Equifax 1. Validate Account XXXX  XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report.

2. Validate Account XXXX XXXXXXXX Bankruptcy Case Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are over 21 closed accounts on my credit report that I did not do business with or authorize at all XXXX my name is spelled wrong they have addresses listed that I never lived there debt collectors Ive never did anybody with I recently revlewed my credit prollle and noticed inaccuracies and/or Incomplete intormation, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DelEit all Information that is inaccurate, Incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C. 5 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, Incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated Metro 2 data formatted reporting standards according to regulations The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNIMELY, NOT MINE, NOT MY RESPONSIBILIY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY. even richt NOW! The obvious intractions are as follows : Alleging Creditor and Account as is reported on my credit report : dspute Item and explanation By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these above mentioned derogatory items be investinated and cermanently removed from mv report.

I awai your reply wikh ( ne above reque sico prool. 
Upon receiving All correscond back with you XXXX XXXX XXXX XXXX  Sincerelv. Your Full Name *Attach copy of ID and Utility bill ( bank statement if you don't have utility bill )
Product: Debt collection

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and XXXX XXXX XXXX for code of ethics violations.
Product: Debt collection

i have XXXX collection reports on my XXXX file from northwest financial that i do not claim to owe. The same XXXX collections are showing on XXXX as well. 

I sent Northwest Financial a certified return reciept letter stating a notice of dispute. This letter was recieved by Northwest Financial XX/XX/XXXX. I linked the return receipt below. It is now XX/XX/XXXX and i have not recieved any indication that i owe this debt from the collector. 

AGAIN NO RESPONSE WAS GIVEN TO ME. 

I know that under the fair debt collection practices, the creditor has 30 days to return the requested information for the dispute. 

Therefore, i put the company on notice that they now are responsible for damages to my person for the amount of XXXX per violation/invalid collection. 


This company can not prove i owe this debt therefore it should be discharged and removed from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 15 USC 1681 ( a ) ( XXXX ) ( A ), Can you reinvestigate the completeness and accuracy of the accounts listed below. These accounts are not accurate or correct. I would also like for the bureaus to provide the procedure used to verify these inaccurate items. 

XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX/XXXX  BANK XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX DEPT OF XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX DEPT OF XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  FINANCE Account Number : XXXX XXXX XXXX XXXX ( XXXX XXXX  CARD SVCS ) Account Number : XXXX XXXX  RESOURCE XXXX ( XXXX ) Account Number : XXXX XXXX  DATA SYSTEMS I ( XXXX XXXX XXXX ) Account Number : XXXX XXXX  DATA SYSTEMS I ( XXXX XXXX XXXX ) Account Number : XXXX XXXX & XXXX ( XXXX XXXX XXXX XXXX SO ) Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SO ) Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I have previously disputed XXXX XXXX bankruptcy discharged/ Reference # XXXXXXXX XXXX with you and in response you verified the item as accurate stating that you have verified the information with the court. I contacted the court, and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter ; therefore, your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.
Product: Debt collection

I told agency to stop contacting me regarding. 
They stated that they will take me to court and put me in jail. 
And also mentioned my house and vehicles and my credit card information. 
Now i am afraid that they know where i live and what vehicle i have
Product: Credit reporting or other personal consumer reports

I went to pull my credit reports at annualcreditreport.com and when I got to Experian to review my report due to several inaccuracies & suspicious activity on my other reports, Experian indicated that I am not able to view and check my report when I have repeatedly provided the correct address Ive had for the last several years, my XXXX & XXXX and that it is not available to view as I can not be identified? They didnt offer any challenge questions or anything to move this process along to accommodate me, the consumer. I have been checking my credit on annualcreditreport.com for years & I dont understand why I can not review any of my accounts all of a sudden on this report. I have not placed my report under dispute, I have always used the same information & This stops the process for me to be able to send the concerns/disputes to them in a timely manner for my very own dealings to apply or try to obtain credit for my personal use. Experian has gotten this wrong & I feel they are intentionally delaying the process of investigations and disputes for their own personal gain.
Product: Mortgage

In XXXX of XXXX, I met XXXX individuals from XXXX. They told me that they did n't think that I would qualify for a loan modification. I received letters from a foreclosure attorney in XXXX XXXX who was beginning the foreclosure. Shortly after that time, I received calls from the Loan Modification team at PHH. I found this a bit strange because I thought I was XXXX3 months away from being foreclosed upon. Now, some 5 months later, with me being charged some {$6000.00} per month - as I have been for at least 2 years, - this money being added to my loan balance. My fee 's, penalties, and other moneys outside of my original balance of {$230000.00} is now over {$230000.00},. Total owed is the addition of those XXXX numbers. 

So my starting balance before I was unable to pay this mortgage was {$230000.00}. 

Here 's my point, is this some sort of game to just keep inflating what I owe the bank? Or is this continued mortgage modification process now going into its 18 month, genuine. When this last modification program was resumed in XXXX of XXXX, I was speaking with a XXXX XXXX XXXX. XXXX XXXX asked me for nearly all of the documents that I have submitted ad infinatum over the past year and a half. Every document he asked for. 

And now, I find my self once again, with a different loan modification officer, XXXX XXXX, who is asking me essentially for the very same material. Bank Statements, Income Statements, Uniform Borrows Statements etc etc. I have submitted these statements I have lost track of how many times. at least over 15 months. 

So bottom line is this. I believe PHH Mortgage Company is, and has been for over a year, acting in bad faith.This is illegal. I believe they have been doing so because they know the worth of my property, and they are looking to get every last penny of what it 's worth.So bottom line ... they have been playing with me simple to inflate what I will eventually owe them. 

Had my property been foreclosed on, 8 months ago, I would be taking home over I might have been able to take home maybe {$50000.00}. Today, I will not be in the black, and indeed be forced into bankruptcy. Had I been foreclosed upon during the banks first attempt to foreclose 4 years ago, I would be coming out of that foreclosure with possibly as much as {$300000.00} plus. 

This whole system loan modification at PHH has been 1 ) an acting in bad faith, 2 ) totally incompetent and 3 ) a violation the law on several occasions. As far as I 'm concerned, I have lost over {$200000.00} + because of all the factors mentioned above. 

Please please please, tell me what I can do.
Product: Credit card

There were XXXX unauthorized transactions on my paypal Account, XXXX of which was refunded and the remaining XXXX paypal has refused to refund. They were not ebay purchases they were direct money sent on XXXX XXXX and XXXX XXXX. The sources seem to be XXXX and XXXX as XXXX of them is named XXXX XXXX and another is XXXX characters another is XXXX XXXX and the fourth which has already been refunded by the Scammer was XXXX XXXX. It appears to me that they sent out the first XXXX smaller withdrawls of {$100.00}, {$50.00}, and {$100.00} to see if they would go through. They did not, and the fourth charge of {$1400.00} the Scammers themselves withdrew after realizing I had no money in my back account.