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

XXXX XXXX is stating I signed up for a product. Which I did, but I never received he goods. 
It was some aligners that I never received. 
I have proved I never received the service because my teeth are still messed up. 
The other one is some account with att I have no knowledge of. I currently have att so therefor I dont know what the problem is. TransUnion had deleted this items in the past and now they are back in my report. 
XXXX, refuse to update it and believes the reporting agencies
Product: Money transfer, virtual currency, or money service

I had fraud on my account in the amount of XXXX that was transferred in the middle of the night when I was in bed and my phone was XXXX  in on my nightstand on XX/XX/20. I immediately called them and filed a claim and they refused to give me my money back and they suspended my acct while it was being investigated. I have since then asked them several times to close my account and they refuse to close it. They have asked me to email over my driver 's license to verify my identity which I did and now they are asking me to email over bank statements to verify I own those accounts. I feel like this is sensitive information they do not need to see especially when all I am asking is to close the account that is in my name. I have been getting the run around from them and I am tired of dealing with it. Venmo does nothing to help protect their customers from fraud and does absolutely nothing when attempting to close the account so it does not continue to happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 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. 
The following inquiries are unauthorized : On XXXX. XXXX, 2020, XXXXXXXX XXXX  XXXX add a hard inquiry on my credit reports. No contact information has been reported by this creditor. 
On XXXX. XXXX, 2020, XXXX, XXXX add a hard inquiry on my credit reports. No contact information has been reported by this creditor. 
As proof of my identity, I have included ID.
Product: Debt collection

Hi, I was checking my XXXX credit report tonight and noticed a collection account as shown as follows : MIDWEST RECOVERY SYSTEMS Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX Account Number : XXXX Original Creditor : XXXX XXXX XXXX Address Identification Number : XXXX Status : Collection account. {$1200.00} past due as of XXXX 2015. 

Date Opened : XXXX Date of Status : XXXX Reported Since : XXXX Last Reported Date : XXXX Type : Collection Terms : 1 Months Monthly Payment : {$0.00} Responsibility : Individual Credit Limit : {$760.00} High Balance : N/A Recent Balance : {$1200.00} Recent Payment : {$0.00} I would like to claim wisleblower status as I believe that this collection agency and/or collection company is possiblity making up fake collections in order to defraud me and possibly other individuals unknown to me at this time. I state that I do not owe XXXX, nor have i ever taken out a payday loan with XXXX due to no need for XXXX at this time. The weird thing is the credit limit is XXXX dollars which is above a payday loan and the last time i cashed a check at XXXX was months ago for like around XXXX dollars, I have a great record with that company XXXX in XXXX, FL. In closing, it seems to be some sort of debt collection companies creating false accounts or something to like bill myself and possibly other U.S. Citizen/Nationals. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX Dear Experian, On XX/XX/XXXX XXXX I submitted a request for investigation under FCRA 611 ( a ) to Experian regarding the following accounts on my credit report : XXXX XXXX XXXX Account Number XXXX, XXXX XXXX- Account Number XXXX, XXXX XXXXXXXX- Account Number XXXX In response, I received a letter stating that the information was " VERIFIED ''. However, I am requesting physical documentation to support how this information was verified, as Experian has been reporting unverifiable and inaccurate information on my credit report, which has damaged my credit score so bad that I cant even get a credit card or a loan in my name. 

Under federal law, information reporting must be 100 % verifiable and 100 % accurate. As such, I am requesting that Experian delete this erroneous information from my report. Please do not " update '' or " verify '' this information again without conducting a due diligence investigation. 
I am requesting that Experian provide me with written contract and physical documentation supporting the information being reported on my credit report via USPS mail, as screenshots and medical statements will not suffice. THIS DEBT IS NOT MINE, and I require verification with my actual signature on a contract.

I value my credit score, and I believe that it is being unjustly degraded as a result of this unfortunate error. I am not requesting a template response to this letter and require specific answers to the questions asked of Experian. Please note that I intend to pursue legal action if this matter is not resolved. 
I would like to remind you of Dixon-Rollins v. Experian Information Solutions , inc. ( 2010 ) and Miller v. Equifax Information Services LLC ( 2013 ), where consumers won their case against the bureaus due to their lack of reasonable investigation of the dispute. I trust that Experian will do the right thing and investigate this matter thoroughly. If you can not provide proof that the debt is valid, I request that you delete the information from my credit report. 
I expect a response within 15 days of receipt of this letter. Failure to do so will result in the permanent expunging of the item in question from my credit report. 
Best regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've asked the Credit Bureaus to do a verification of collections XXXX XXXX XXXX XXXX XXXX Account # XXXX on my Credit Report and they STATED that everything was accurate, I did do a thorough research myself and found improper inaccuracies on Credit Report even after they did an investigation. 
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX has violated my rights 15U.S.C 1681 Section 602 A. States I have 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

This account with XXXX XXXX {$2200.00} has absolutely NO MERIT and should not be on my credit report due to the nature that its fraudulent. identity theft investigators advised me to contact the federal trade commission to file a identity theft and fraud account report as a extra step of protection The only resolution is to delete the fraudulent accounts in question and no more. In accordance with the FCRA 2009 605 ( b ) ( 2 ) these accounts MUST be removed due to them being opened without my consent by someone who fraudulently obtained my information. This creditor in question has neglected my letters and not responded to my calls / emails. XXXX XXXX ( XXXX XXXX XXXX ) on my credit report is fraudulent and not mine, this account is charged off and is not mine, again THIS IS NOT MINE and I have let the FTC & CFPB know this. FCRA 603 ( q ) ( 4 ) The term identity theft report has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. " This is fraudulent and illegal to keep reporting, please cease and desist all reporting activities.
Product: Debt collection

They continue to state i owe them {$69.00} for a rental agreement that was paid off on XXXX XXXX which i have proof of payment. They will not remove it despite the multiple disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a victim of Identity theft. So one used my information to get a student loan. I have reported this to the credit Bureaus & the company that has the loan. I have also filed a police report case number XXXX. They haven't removed this from off of my report. I have sent in all the documentation that I have on this matter.
Product: Credit reporting or other personal consumer reports

According to the family educational rights and privacy act ( FERPA ) states this federal law, which was enacted in 1974, protects the privacy of student education records. FERPA applies to public private elementary secondary and post school. 20 USC- 1232g ( b ). Also according to the FCRA 15 USC 1681 ( a ) accuracy and fairness of credit reporting ; 15USC 1681 ( b ) reasonable procedures 15 USC 1681 ( c ) no adverse item besides the conviction of crimes should be on your report any item that is a derogatory mark is not allowed into consumer reports this is another violation. 15 USC 1681e- ( b ) accuracy reporting 5 USC 552a privacy act of 1974. So according to the laws these items shouldn't be on my credit report. All 3 credit bureaus are reporting this information on my credit report. As a consumer I have the right to privacy. Also as a consumer I have the right to opt out of these reporting agencies backed by 12 CFR 1016.7 states that a consumer may exercise the right to opt out at anytime. As a consumer I am opting out of these reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXXXXXXXXXX SS # XXXX Re : XXXX XXXX XXXX XXXX XXXX # XXXX Transunion To Whom It May Concern : I would like to dispute the validity of the above account XXXX XXXX XXXX XXXX XXXX. With a balance of XXXX. Past due I continue to dispute the validity of this account I request that the account be deleted from my credit report. Can you also verify and forward me the method of verification? Can you notify me of the outcome of this correspondence? Enclosed with this correspondence is a copy of my drivers license Thank you Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax 15 U.S.code1692 { XXXX } false and misleading representation, Equifax reporting on credit report falls under this code due to XXXX XXXX vs XXXX XXXX, NO CIV 03-0762 United states District court of Arizona Court rules that reporting on credit report indeed is considered collection activity in which you are reporting. you state you validated this alleged account stating there are payments made which is false and fraud, I demand removal of this alleged account or you show evidence where payments are made actual payment documents this alleged account is fraud remove at once. I am not a credit repair company just a concerned about my credit report
Product: Student loan

I started working non profit and have verified employments since XX/XX/XXXX. My agreement should be finished XX/XX/XXXX. 

Mohela and student XXXX XXXX stated they will not be able to tell me until XX/XX/XXXX. 

This is XXXX months past my ten year agreement.

The limited waiver passed by congress and senate is being ignored by Mohela and XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Last year, someone stole my unemployment check from my mailbox for {$210.00}, forged my signature and the people at pnc bank cashed it. I reported it to pnc, unemployment, and the police. I gave PNC Bank the proof of the theft, the police report number, and everything was notarized. This was well over a year ago and they failed to reach out to me and make it right. On the check, there was no written data ; so was the teller in on it? I have so many questions and no answers. Last month while reaching out to them they said someone will get back to me at the branch where it was cashed ( XXXX XXXX XXXX in XXXX Delaware ) and still waiting on a response after multiple attempts to reach them through phone and email. I need my money back. Why are they giving me a run around?? Why not just make things right? Attached is proof of me reaching out. That's just through email.
Product: Credit reporting or other personal consumer reports

I'm contacting you regarding fraudulent accounts on my consumer report linked to identity theft. I never authorized these accounts with a wet signature or any written consent. Despite previous communication with your organization, these inaccurate items remain on my report, causing significant emotional and financial distress by misrepresenting my credit history. These fraudulent entries have prevented me from achieving important financial goals like purchasing a home and supporting my family properly.
Product: Credit card or prepaid card

I got a pre approval from Bank of America for a Bank of America ( R ) Customized Cash Rewards credit card after submitting my application I was met with being denied. This to me the consumer is False and Misleading statements as I was baited into believing I was approved after applying And submitting my application I was denied. This left a inquiry on my credit report damaging my consumer reputation and I did not benefit from the transaction leaving me with nothing but damage and Bank of America gained a credit Application.
Product: Credit card

Rushcard XXXX has been doing a system update since Sunday. Customers were told that the update would be done by Monday XXXX but nothing has been done and no notification have been sent. The customer service number is out of service and the online access is down. I have not been able to speak to anyone at the company regarding this issue. This is a company wide issue and a lot of people are affected by this. we have not been able to access or money, transfer funds or use our debit card since Sunday XXXX/XXXX/2015. This is a major problem and it seems that the system has possibly been hacked or we are all victims of fraud/scamming.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent a dispute letter to XXXX, XXXX, and Experian on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting yout this CFPB Complaint today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove any items listed on an ID THEFT REPORT. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
XXXX 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 According to FCRA Section 605B ( a ), the Credit Reporting Agencies ( You ) shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt. Please comply with the law.
Product: Mortgage

NJ LENDERS has been requested to provide me a copy of my original XXXX purchase XXXX XXXX XXXX XXXX mortgage that NJ LENDERS claims to have paid off at the XXXX refinance. There is no record of satisfying the mortgage, no release of XXXX and no discharge. The attachment includes actual payment records made for the mortgage labeled " MORTGAGE PAYMENT CHECKPAYMT '' of my checking account. All the other payees were listed by name and with the front and back of the check shown on my statement. NONE were returned even though they were paid. In addition the notice of settlement filed by closing attorney XXXX " Bag of Donuts '' XXXX references a NON EXISTANT address of XXXX XXXX XXXX XXXX, N.J. The LOT & BLOCK were changed about the same time the sellers bought the property. The Affidavit of Title and IRS documents that were signed by the sellers list XXXX XXXX XXXX XXXX, N.J. as the property being sold. 

I have requested NJ LENDERS for information that they should have on hand if they actually paid of my original XXXX purchase XXXX XXXX XXXX XXXX  mortgage at the XXXX refinancing. The XXXX  information is also included. I will get this to a layer but have been unable to do son because my phone calls are being intercepted. Once the COVID issue allows the opening of businesses again I will make an appoint in person. For now I will keep trying on the phone but I keep getting stonewalled.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent your agency a dispute document requesting an investigation on inaccuracies appearing on my credit report I received your response and the following inaccuracies remain on my credit report. It is my right to have an accurate credit file and errors like this are detrimental to my financial well being. According to the fair credit reporting act section 607 I am entitled to a complete and accurate credit report the item listed below is not accurate nor correct therefore in violation of my rights under the fair credit reporting act therefore must be removed immediately. 
I do not have accounts or debt with the following creditor therefore I am requesting the original purchase agreement with my signature. Also provide documentation that show you are the legal owner of this alleged debt as well as all terms and conditions. If such can not be provided I request IMMEDIATE deletion off my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX  ) # XXXX Also, Upon research the following Debt Collectors are not licensed to even collection in my State which is XXXX  ( see attached ) furthermore is a complete violation of my rights and THE LAW. Prompting IMMEDIATELY REMOVAL from my credit profile. 
Once again I am notifying you that this item is not reported correct. Section 607 states you must ensure maximum accuracy of the information contained in my report. Please respond promptly. I prefer that we both avoid pursuit of my rights under 15 USC section 1681m and 1681o, which requires your compliance with the law. 

Thank You for your time and attention to this matter
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX 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

Remove fraudulent / unauthorized inquiry from XXXX XXXX XXXX XXXX on XX/XX/2023 or provide proof in writing within 30 days.
Product: Credit reporting or other personal consumer reports

listed below are account that have violated my federally protected consumer rights to privacy and confidentiality under 15 Usc1681 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 XXXXXXXX i looked at XXXX  credit report on XXXX XXXX and noticed some things are incomplete and inaccurate.and according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure minimum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) A
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX XXXX - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Mortgage

Good afternoon, my name is XXXX XXXX XXXX, I have lived in my property for over 10 years and have been having financial hardship due to loss of income. I recently submitted a request for a modification loan and have been told someone is reviewing my paperwork. I gave another call back this week and they stated that their attorneys are looking to foreclose on my home without evening completing my modification request. also my loan was transferred to this company and I was approved for a modification for XXXX they never honored my modification through XXXX XXXX before the took over the loan. They are the ones who made it impossible to keep up with my payments and they never called to tell me what the results were when i asked them to correct their mistake. i was already approved for a fixed loan for XXXX years through XXXX XXXX before the gave my loan to select portfolio can some one please help me stay in my home. I am back working now but still need my pymts adjusted like they were.