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

EXPERIAN is obligated by the FCRA to report accurate accounting. I, the consumer, have advised ALL the inquiries reported were fraud. Said company had four ( 4 ) days according to LAW to remove such items. I have filed a FTC fraud report in this regard. I, the consumer, is now requesting EXPERIAN to provide the documentation used to determine whether the inquiry was indeed authorized by the consumer. EXPERIAN has fifteen ( 15 ) days to provide me with the name of the person spoken to, documentation used, signed application with my wet ink signature. I am NOT asking for an e-oscar report and if EXPERIAN does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. EXPERIAN XXXX : XXXX. With an address of XXXX XXXX XXXX XXXX XXXX CA XXXX United States and headquartered at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Furthermore, I will be filing form 211 treasury omb forms to audit said accounts. EXPERIAN is securitizing consumers data yet refuses to provide me a copy of my CONSUMER FILE, NOT CONSUMER REPORT.
Product: Debt collection

I recently received an alert that Amsher placed a collection on my credit report. I have never done business with Amsher and the debt that they're attempting to collect is not owed.
Product: Credit reporting or other personal consumer reports

There has been debt reporting on my accounts after debt was sold to a collection agency, I've sent a letter to all three companies XXXX XXXX, equifax, and XXXX to remove these account. However the debt has not been verified although I have received an email stating that it has however that is not true. I have certified mail receipts for all three companies on the XXXX of XX/XX/year> and copies of the letters I've sent asking them to remove this information from my account as it is fraudulent and the debt is not mine. the amounts that have been reported include {$250.00}, {$740.00}, and {$140.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

( XXXX  XXXX ) I have sent a dispute to all 3 credit bureaus to delete this account due to it being in violation of metro 2 due to the account number containing a letter..this is a clear violation and they have yet to delete this account in fact i never even received a response to the dispute. i am attaching a copy for your review.

There are several violations ... this account is closed and all 3 bureaus are reporting terms they are all reporting diffrent days of last payment they are all reporting different dates of last acive 2 are reporting paid and one is reporting closed
Product: Credit card

I filed a complaint about my Verve credit card backed by continental finance on XX/XX/2016, complaint number XXXX. I filed the complaint because I had provided documentation supporting my fraud complaint to them directly. I reported my card stolen to them, provided the police report, and my letter of incarceration, as well as the affidavit of fraud that they requested I fill out and return. They had removed a good deal of the charges but were still trying to get me to pay {$230.00} before re-issuing me a card and stated that these were late fees. I called to check the status of my fraud complaint and they ( continental ) informed me that the account had been closed and sold into collections ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) I am beyond upset about this!!!! I feel like they are giving me the run around and sold the account to avoid resolution. I only held off on filing a complaint sooner because they acted as if they were handling this. I refuse to pay a dime, I wanted my card back!!! that had a XXXX balance at the time I XXXX ... .absolutely sick about this, hours and hours and hours spent on the phone for nothing Continental Finance XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This company calls & hangs up. When I called to address them calling & hanging up, the representative hung up on me.
Product: Debt collection

This company has been harassing me with threatening and demanding phone calls and Ive asked them to stop and they continue with the harassment. 
NATIONAL CREDIT ADJU Last reported XX/XX/XXXX {$430.00} Open balance XXXX XXXX XXXX XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( 1 yrs, 2 mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes this account information Collection account Original creditor name XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I have had an issue with Transunion for the past year I couldn't access my credit report due to TransUnion allowing another social security and birth date to added to my credit profile fraudulently as well as fraudulent account and infraction on my credit report i have been constantly having the issue of accuracy and correct information on my credit report with Transunion credit reporting i ask that this information be block removed under 15 U.S. Code 1681c2 ( a ) Block-Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these accounts numerous times through XXXX and XXXX as the negativity that has impacted my score has been false from the start. I have talked to each collection agency listed and have recorded conversations of them stating apologies for the errors and that they will be removed however ; they have only followed through with XXXX  and not XXXX. I have no negative items on my XXXX  but they have done nothing to XXXX  besides removal of a few accounts but, they have added accounts in their place, ones where insurance, XXXX, XXXX and my Supplemental insurance company has already paid these claims. I need help as I have disputed these numerous times. Below are the companies that are not in following through with what they have agreed to do. 

NEGATIVE INFORMATION > COLLECTION. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | XXXX XXXX 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: Student loan

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX : XXXX : Account XXXX We are in receipt of your letters of XX/XX/XXXX. On behalf of our daughter, XXXX, we dispute the claims made by XXXX and XXXX XXXX XXXX. 

We informed both XXXX and Nelnet previous to our XX/XX/XXXX payment of $ XXXX ( confirmation XXXX ) that XXXX has been living out of the country, has been unemployed and has executed a Power of Attorney so that we may pursue reformulation of her student loans that we have previously paid. Default was threatened at that time and I confirmed with both XXXX and Nelnet that said payment would stop such actions pending reformulation. 

If such is not the case, then XXXX and Nelnet may be guilty of deception. 

Sincerely, XXXX cc. XXXX XXXX XXXX XXXX Nelnet Consumer Financial Protection Bureau
Product: Credit reporting or other personal consumer reports

My Saks Fifth Avenue XXXX, previously managed by XXXX XXXX, transitioned to Comenity Bank. During this transition, my login credentials changed, and my autopay was removed without notice. As a result, I was unable to access my account and verify my payment status. Additionally, my mailing address was outdated in their system, so I did not receive statements or alerts.

Once I became aware of the issue, I paid off the account in full, and my balance is now settled. Despite this, Comenity refuses to remove the late payment, even though the delay was caused by their transition process, not negligence on my part.

I am requesting that the late payment be removed from my credit report as this was an error beyond my control, and my account is now in good standing. The bank decided not to correct this despite they DID have my autopay information but they did not activate it when transitioning to the new bank.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of certain information regarding the account XXXX XXXX XXXX XXXX XXXXXX/XX/year> as reported on my credit report. I have identified that these entries may not comply with the Fair Credit Reporting Act ( FCRA ) requirements, specifically Sections 605B, 615 ( f ), and 623 ( a ) ( 6 ). 
According to Section 605B of the FCRA, any information that is inaccurate or incomplete must be promptly corrected or deleted. I have reason to believe that the negative history reported for my student loans does not accurately reflect my payment history and should be investigated. 
Additionally, under Section 615 ( f ), I am entitled to request that the information related to these loans be verified or deleted if the creditor is unable to provide sufficient evidence of its accuracy. Furthermore, Section 623 ( a ) ( 6 ) requires that furnishers of information conduct a reasonable investigation when a dispute is raised. 
I kindly request that you investigate this matter and provide me with a written response, detailing your findings. Should you find that the information can not be verified, I expect it to be removed from my credit report in accordance with the FCRA. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a Gm XXXX that was recalled because of an EPA lawsuit. When we turned int the vehicle we were told by XXXX not to make anymore payments and that they would make the payment before the due date since they were paying off the loan. We got notice 30 days later that there was a 30 day late payment put on our credit reports. I 've tried to have it removed with the company and the credit reports but no one has removed it. XXXX refuses to fix their mistake.
Product: Debt collection

This is FRAUD and pure retaliation from XXXX XXXX. They falsified a pretend and made-up invoice and billed me {$6700.00}. There is ZERO merit in this nor any validity. Attached is XXXX XXXX report XXXX showing house was full of damages when moved in. XXXX  ignored this document. XXXX XXXX is also known as XXXX, who said, XX/XX/2018 that it was I who created images in the home when I did not, as per XX/XX/2018 documentation, which was submitted to court and XXXX  XXXX XXXX was DISMISSED and Judge told XXXX no other fees warranted. XXXX then submitted the FALSE bill to THUNDERBIRD COLLECTIONS. THIS IS FRAUD
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX is in direct violation of theThe Privacy act of XXXX and following Uniform Commercial Codes : 15 U.S. Code 6801 - Protection of nonpublic personal information U.S. Code Notes prev | next ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.
Product: Debt collection

I got a paper in the mail. I do not owe XXXX XXXX XXXX XXXX nothing!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Today I spoke with an agent at Experian regarding a dispute letter that I mailed ( certified ) and faxed, who acknowledged receipt of my letter and proof however the agent refused to help me stating that Experian can not delete the account from MY consumer report until XXXX XXXX gives them the proof to delete the account. The proof that I sent in contained a communication from XXXX XXXX XXXX stating that " XXXX XXXX is not currently handling the referenced account. Additionally, Experian is the only bureau furnishing this unauthorized account ( attached titled proof # 1 ) which clearly proves a discrepancies and the law states that all information listed on my credit report has to be accurate. I have attempted to resolve this issues numerous times. Experian is in direct violation of my consumer rights. I have filed several CFPB complaints regarding Experian but my consumer rights are not being protected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$130.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Source Receivable Management informed me that upon payment of the collection, the collection will be recalled by XXXX and the collection account will be removed from my credit within 30 days. Now they are telling me that this conversation never took place. They refused to transfer me to a supervisor as the account is no longer with them. Then why are they still reporting the collection if the account is no longer with them? 
Source Receivable is engaging in a very disturbing and misleading practice. They are informing clients that the collection will be removed from the credit and than failing to honor their word.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit reports, incorrect accounts are still presenting in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified accounts without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are needs to be corrected on my Credit Reports immediately : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Bank account or service

I called to get a auto loan payoff letter on XX/XX/2016. I was told on the phone that the letter had been ordered and that everything was taken care of. I was not offered the opportunity to fax or email the request for faster service. On XXXX I called to ask about the letter, but they said it would take several more days. I was told at that point I could fax a request in and they would turn around the request in two business days. I needed the letter that day in order to get the mortgage I had applied for. I was not offered any sort of opportunity to speak to anyone who could or would expedite the process, and when I asked about having called the previous week in order to request the letter and had not been given information that would have allowed the process to be more efficient at that time, I was told that it made no difference and there was nothing they could do. Key Bank cost my my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX # XXXX violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : XXXX & XXXX XXXX # XXXX 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 ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute unauthorized and fraudulent information appearing on my credit report and to request an immediate investigation under the Fair Credit Reporting Act ( FCRA ). As a victim of identity theft and the XXXX breach, my personal information has been compromised, including 25 critical findings tied to my identity within the breach.These accounts and/or inquiries were made without my knowledge or consent. Under the FCRA ( 605B ), I request these items be blocked from my credit report. Additionally, under 15 U.S. Code 1681c-1 ( protection of personally identifiable information ) and 15 U.S. Code 1681e ( b ) ( accuracy of information in consumer reports ), you are required to ensure the accuracy and privacy of the information you maintain.
Product: Credit reporting, credit repair services, or other personal consumer reports

My first letters to the credit bureaus regarding this account were in XX/XX/2022 and I have sent out letters each month since. This account is fraudulent and has been in dispute since I first seen it around XXXX XXXX  last year but according to the credit bureaus they have it listed as not in dispute and remains unverified in the last several months. How is this possible if I have sent repeated letters to each bureau disputing this as well as letter to the alleged creditor. These are all violations of my rights under Title 15USC1681 and I demand that CFPB investigate this. Each bureau had 30 days to verify the account and not only did they send me letters stating it was verified but yet on their own report it states that there has been no verification and it is not in dispute. I have copied the XXXX, FTC and the Attorney General for Florida.
Product: Credit reporting or other personal consumer reports

Excuse me, I would like to bring to your attention that I have concerns regarding the accuracy of the information on my credit report, which is impacting my consumer rights. I believe that I have the right to be treated fairly by those who control this information. I kindly request that you provide me with all available details on how the inaccuracies occurred and how you will rectify them to ensure compliance with the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and XXXX XXXX compliance standards. 
I understand the seriousness of this issue and how it could compromise the integrity of your data if these standards aren't followed. As a result, I urge you to take corrective measures as soon as possible to remove any false accounts from my credit report. I rely on factually accurate, verified, and compliant data in my credit report, and I can't afford to have anything less than 100 % accuracy. Thank you for your prompt attention to this matter.

Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX, XXXX XXXX, NY, XXXX Incorrect XXXX : - XXXX Listed below are the Accounts that are being challenged XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/year> XXXXXXXX XXXX  stated I owe XXXX then I contacted them due to false amount not being owed. Then they switched it to XXXX. I was released from the lease with no penalty at the time. I am a XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Now they are stating I never paid rent and I owe them XXXX when I do not owe that amount. They also emailed me and stated I was released with out penalty and they would remove this from my credit report.
Product: Debt collection

I have contacted Equifax so many times via phone online, and via first class mailings on many many occasions in regards to 1 account that were placed in my name that did not belong to me and i did not authorize or was not familiar with.I get the same results and i have had it, it makes it look very bad on my credit report, and reporting negatively. I am trying to build my credit up to obtain better things in life and it makes it difficult when they checking credit and i have negative accounts that do not belong to me reporting inaccurately.I have disputed and reached out to Equifax more then several times and they say the same thing over and over.The companies either need to send proof or validation or it needs to be removed.These account does not belong to me. I have called and they have told me that their handling it and they received proper paperwork and i should see an update and i never do.The last Rep talked to name was XXXX in the Customer Service, I have not had any luck with this. The following account that are reporting are : XXXX XXXX XXXX XXXX with a balance of {$730.00}