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

I have been monitoring and trying to remedy the affects of ID theft and recent data breach by Equifax and FEMA on my credit reports for the last couple of years, especially the last year. The three CRA continue to allow inquiries to my reports without valid need and sell my personal information for profit after requesting not to because of identity theft. I have completed numerous online disputes, sent multiple detailed certified letters to each credit reporting agency along with sufficient proof as requested. The CRA refused to remove one entry after multiple disputes until I sent in a court order of dismissal, even then it still appeared for several months. This is just one example. The CRA do not give me the information as to my dispute investigation, only refer you to the creditor to work out on your own, however this is the job they are paid to do. XXXX  and Equifax refuse to properly investigate/reinvestigate or remove fraudulent, outdated and erroneous information, even information that has already been removed from other CRA. I have provided detailed information to each CRA, have submitted consumer statements that are not listed on my reports along with submitting the copies of their reports with the highlighted errors. Each CRA has been in direct violation of the FCRA on multiple issues. I have been under tremendous stress and anguish over this and have spent hours and a lot of money as well as being denied credit, insurance and have been given extremely high interest rates because of this. My next step within the next thirty days will be to remedy in the state or federal court as XXXX, Equifax and XXXX  continue to parrot erroneous information by third party affiliates who pay them and fail to follow rules and laws or protect my private information..
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting 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 to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

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, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Both XXXX  and TransUnion have an account on my report for medical bills that were after my bankruptcy, I had Medicaid after my bankruptcy so I had no bills. I have disputed this with them multiple times, I even paid XXXX their {$1.00} so that I could have more detail and now my account says theirs a lock on it and I have to pay {$48.00} and I can even see my credit report, trans union says the medical bills are correct but I know there not as I had Medicaid and was never sent any bills for medical expenses.
Product: Credit reporting or other personal consumer reports

All statements with XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Nj XXXX. 

Where my landlord XXXX XXXX XXXX stole and used my XXXX XXXX credit card. Along with my NJ state drivers license XXXX XXXX XXXX I reported this to XXXX police department and FBI XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, Pa XXXX ( XXXX ) XXXX they dont investigate Credit card fraud.
Product: Credit card or prepaid card

Reached out to Chase to dispute a charge made on XX/XX/21 for {$280.00}. I havent received my product after months of false updates. I already reported the company to the FTC. 

I was told by a Chase CSR/Agent that due to the time frame of the purchase, theres nothing they can do and the most I can do is try contacting the seller. Ive contacted the seller several times and received no response since XXXX of this year. Was also told, I should ask the seller to provide me an expected delivery date and I should basically wait for it not to show before I can try to dispute the charge. I cant even get in contact with seller to even try to retrieve that information.
Product: Debt collection

Portfolio Recovery calls me several times a day from various unknown numbers. They are threatening legal action. I've told them I'm on social security and my income is below XXXX XXXX a month. I am XXXX and have a XXXX XXXX. The debt they are trying to collect is approximately XXXX XXXX XXXX, which is when I was forced to stop working. They use aggressive language and will not stop calling even though I've asked them to several times. They also called my son!
Product: Debt collection

XXXX/XXXX/2020 mailed validation letter to confirm what they say I owe that's on my credit report. I told them I did not agree with the total. 

Certified mail # XXXX XXXX XXXX XXXX XXXX Delivered on XXXX/XXXX/2020. 

XXXX XXXX XXXX : XXXX XX/XX/2020 sent letter to XXXX, XXXX, and XXXX.
Product: Money transfer, virtual currency, or money service

An aquaintence named XXXX XXXX had posted on XXXX  that he was having a moving sale and was selling a refridgerator. When I asked about the refridgerater on XX/XX/23 he messaged me from the same account. He said he could hold the fridge until Sat with a deposit of XXXX. I agreed and cashapped the money to what he said was his cashapp account. 

Later, I asked if he could deliver and he said yes, but there was a XXXX delivery fee. I agreed and sent XXXX. 

After a few hours, I start getting notifications that XXXX XXXXXXXX XXXX XXXX  acccount was hacked and other people had been scammed they same way by who ever was pretending to be him stating they were having a moving sale and he would hold and deliver the items for a deposit and delivery fee. 
I reported the account and XXXX  took it down. I contacted cashapp support who advised they can not help me with a fraudulent charge. I advised the person was hacked into someone elses XXXX  account and pretending to have a moving sale yet they say they can only ask the theif to send the money back!
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to inform you that I have already contacted TransUnion, XXXX, and XXXX regarding the charge-off accounts that are persistently appearing on my credit report. According to the 15 USC 1601 of the Fair Credit Reporting Act ( FCRA ), these accounts violate my rights. I kindly request your assistance in ensuring that these accounts are removed from my credit report to rectify the situation. Your attention to this matter is greatly appreciated. Thank you.
Product: Student loan

On XX/XX/2022, I received an email from MOHELA telling me to expect to receive a welcome letter by mail within XXXX business days. To the best of my knowledge, I still have not received this letter as of XX/XX/2022. As noted in the email, I attempted to contact Mohela by calling them during their Saturday business hours at approx. XXXX ET ( or XXXX CT ) on XX/XX/2022 to discuss not receiving the welcome letter. Unfortunately, upon making it through the many announcements and menus, the system automatically disconnected and I was unable to speak to a representative and still do not have information regarding my welcome letter.
Product: Credit reporting

I disputed an account with Equifax about an collection account. 
The dispute was with XXXX XXXX XXXX regarding a comcast cable bill. 
I have made several attempts to get debt validation from XXXX XXXX XXXX regarding this debt. They have not sent me any debt validation. Over the phone I was told by their representative they do not have the information and they need to get it from the original creditor. That was over 2 months ago. 
Equifax had noted the debt came back verified. I do not believe they received accurate information for this collection debt
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to conduct a proper investigation into my disputes and for accusing me of using an unauthorized third party to submit my requests. I mailed a dispute letter to Experian, disputing inaccurate personal information and accounts on my credit report. 
To ensure my identity was properly verified, I included the following documents with my dispute : A copy of my government-issued ID A copy of my Social Security card A recent bill showing my current address I mailed my initial dispute letter on XX/XX/scrub> 2024, via XXXX certified mail ( tracking number XXXX ). On XX/XX/year>2024, I received a response stating : " We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. '' This response is puzzling, as all prior communications were sent directly by me and included all required information. 
According to the Fair Credit Reporting Act ( FCRA ), Experian is required to conduct a reasonable reinvestigation of any disputed information in a consumer 's file. It appears that Experian has violated my consumer rights by failing to investigate my disputes, falsely accusing me of using an unauthorized third party, and not responding to my dispute.
Product: Debt collection

I hope this letter finds you well. I am writing to address and request the immediate correction/removal of late payments on my credit report. After reviewing my credit report, I noticed inaccuracies that are adversely affecting my credit standing. 

The late payments in question are associated with the following accounts : DISCOVER BANK XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or DISCOVER BANK customer service representative. 

I understand the importance of accurate credit reporting, and I am committed to ensuring the integrity of my credit history. I have thoroughly reviewed my financial records, and I am confident that these late payments are inaccurately reported. I kindly request that you investigate and correct these errors promptly. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that you conduct a thorough and reasonable investigation into these disputed entries within the legally mandated 30-day period. Please remove or correct any inaccurate information on my credit report and provide me with written confirmation of the changes made. 

I have enclosed copies of relevant supporting documentation, including bank statements or payment records, to substantiate my claim. I trust that these documents will assist you in expediting the resolution process. 

Your prompt attention to this matter is greatly appreciated. I kindly request that you notify me in writing once the investigation is complete and the necessary corrections have been made to my credit report. 

If there are any additional steps or information required from my end, please do not hesitate to contact me. Thank you for your prompt assistance in resolving this matter.
Product: Credit reporting or other personal consumer reports

I am asking Experian to reinvestigate this inaccurate ac

c HBoun t under 15 USCS 1681i ( A ) ( 7 ) discretion of reinvestigation procedures. I'm requesting that Experian show how this account is verified, and provide supportive documents, disclosures, contract agreements or terms addition agreements, that this alleged account is in fact accurate and that I am the legal owner of this said collection. 

XXXX XXXX XXXX XXXX  Fail to do so, this account must be deleted, if not Experian has violated my consumer rights under 15 USCS 1681s-2 ( A ) ( 1 ) ( B ) ( I ), further violate it under 15 USCS 1681 ( B ) reasonable procedures.

I request an urgent rectification be taken. I look forward to a resolution and subsequent correction of my consumer report.
Product: Mortgage

In XXXX, XXXX, I received an approval letter that stated my mortgage refinancing plan was approved.The next month Wells Fargo foreclosed on my house. After years of battling with them in the county courts, they completed the foreclosure in XXXX and I was forced to move.
Product: Credit reporting or other personal consumer reports

I cosigned loans for my granddaughter, and she has been in forbearance with XXXX XXXX XXXX since XXXX of XXXX, because she was struggling to find a job post-graduation. She was enrolled in their XXXX XXXX XXXX, and ended enrollment in XXXX of XXXX. She was then put on a month-to-month forbearance program, where she would have to call each month to get an extension. She called XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. In the beginning of XXXX I received notice from my credit company that there were default of payment 's sent to the credit bureau. She has been in forbearance the entire time and was not required to be making payments, per the rules of XXXXXXXX XXXX forbearance program. When she reached out to XXXX to understand why they reported to the bureau, they stated they " have no idea and it is not our problem to fix. '' They did offer a consolation prize for their mistake, and they put her on a new XXXX forbearance program, which she is currently still enrolled in. I am writing this complaint, as XXXX has been extremely aggressive and threatful to her during this entire process, and at times have even yelled at her that they will " take everything I own or my co-signer owns. '' We have been nothing but terrified of XXXX and it caused her to experience major anxiety and panic during every phone call she had with them. 
At the beginning of this month the loans were sold to XXXX XXXX. In speaking with them, they are continuing the forbearance period for her loans. They also stated that the treatment we got from XXXX is unprofessional, unjust, and unfair, and it was XXXXXXXX XXXX responsibility to remove it from mine and hers credit since she was in a lawful forbearance program and it was XXXX XXXX error. XXXX is just refusing to do so. XXXX advised her to reach out to a manager at XXXX, and when she reached out they stated it was " not our problem we sold your loan to a different company. '' She then called XXXX and let them know the unlawful treatment she received yet again, and they advised her to reach out to CFPB and submit a complaint. 
This is causing unnecessary stress for me right now as I am going through XXXX treatments. This has gravely impacted my credit score, aad going through treatment my cards are now being declined. I am in need of assistance in trying to remove the default notices on both of our credit reports. I do not understand how a loan company can get away with such maltreatment of their customers, and I am very hopeful someone can help from CFPB. I would appreciate if this could be done promptly, due to the financial impact it is having on me receiving my XXXX treatment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit reporting act XXXX account number XXXX has violated my rights. 15 U.S.C 1681 Section 602A states that I have the right to privacy. 15 U.S.C 1681 Section 604A section 2. A consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have exceptional payment history on all my accounts. During covid 19 various creditors closed my accounts with out my knowledge and issued charge backs on accounts with 0 balances and all accounts have exceptional payment history. This has caused my credit that I have worked so hard for to drop substantially. I have paid off every card infull and on time. XXXX XXXX has issued charge backs after I paid in full. Other creditors closed my account with notifying me and continually and fraudulently issued false late payments. This all happened during the pandemic and i am beyond frustrated because I have paid them all in full. Please help I will take this to the highest court I needed because this is un-American and more so very fraudulent practices. To prey on families that have paid and fulfilled with exceptional credit only to be penalized by false claims. Please advise. I will not allow my hard work and dedication to go down the tube for fraudulent businesses. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I kept receiving calls from a company stating that I needed to make a payment on an auto loan. I told them various times I didn't have a vehicle financed. I then decided I need to figure out what was going on. I pulled my credit report and I found a numerous of accounts open under my name that I have never opened before. Please remove these accounts off my report. 

XXXX XXXX XXXX {$1900.00} XXXX XXXX {$0.00} CHAPTER XXXX-BANKRUPTCY XXXX {$0.00} CHAPTER XXXX-BANKRUPTCY XXXX {$0.00} CHAPTER XXXX-BANKRUPTCY XXXX {$0.00} CHAPTER XXXX-BANKRUPTCY XXXX {$0.00} CHAPTER XXXX-BANKRUPTCY XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be that advised this statement and request submitted through the CFPB will serve as a formal complaint that the Experian Credit Bureau failed to properly conduct an investigation/dispute wherein the company, did not acknowledge my dispute, respond to my dispute, and failed to notify me of any results and/or updates regarding the disputed accounts within the federally controlled/allotted days of 30-45 days according to the Fair Credit Reporting Acts Guidelines of handling a dispute. My dispute was sent in XXXX XXXX XXXX sent certified mail with USPS Tracking # XXXX As per my civil rights, the items I felt are inaccurate. It has been well over 30 days and I have received no reply. I have included a copy of my original mailing and my mail receipt for your records as well as mine to which I have submitted this dispute. Please take immediate action to rectify these issues. 
I look forward to your timely response and to receiving an updated copy of my credit report as per my initial request where the items in question should be deleted. TIME IS OF THE ESSENCE.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have inaccurate and unauthorized credit application on my equifax report : 1- XXXX on XXXX XXXX 2- XXXX on XXXX XXXX 3- XXXX  on XXXX XXXX 4- XXXX on XXXX XXXX as well as on my XXXX   report : 1- XXXX on XXXX XXXX 2- XXXX on XXXX XXXX 3- XXXX on XXXX XXXX 4- XXXX  XXXX XXXX XX/XX/XXXX 5- XXXX XXXX XXXX XXXX XXXX 6- XXXX XXXX i worked out with XXXX and i informed with the inaccurate inquiries i fixed my XXXX report,
Product: Credit reporting or other personal consumer reports

I just reviewed my credit report and I noticed the following hard inquires on my report and I did not authorize any of these. I listed them below : XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX via XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

Security Credit Services located at XXXX XXXX XXXX , XXXX, MS XXXX Phone ( XXXX ) XXXX Email XXXX XXXX XXXX XXXX, XXXX, MS XXXX has not deleted the collection debt they said I owe, this was a result of someone opened a fraudulent line of credit. I reported to the 3 credit bureaus and they refuse to delete this causing me to not been able to refinance my home. The account is open and has not been deleted from my credit reports.

amount they said I owe is {$1200.00} Notes from credit bureaus ; " Account information disputed by consumer, meets FCRA requirements ''
Product: Credit card

I am a victim of credit fraud. My information was used to take out numerous credit cards. It has been reflected on my credit report and has affected my credit score.
Product: Credit reporting or other personal consumer reports

These accounts do not belong to me. 
I was added as an AUTHORIZED USER for XXXX XXXX Account number XXXX. I was in XXXX from XXXX. 

INQUIRIES 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

One main XXXX XXXX XXXX XXXX These were just a few I noticed I didn't apply for called company didn't remove
Product: Credit reporting, credit repair services, or other personal consumer reports

I've already filed a complaint with the consumer financial protection bureau and they sent my request to transunion. Transunion denied my request to remove the fraudulent inquiries effecting my credit. The inquiries are probably from transunion themselves when they fraudulently added mins information to people 's credit line when their servers failed. ( I have have tried countless times to add my last four numbers of my social security number to the next page and it doesn't allow me to do so )
Product: Vehicle loan or lease

Loan to Chrysler Capital was paid off in full {$31000.00} with checks ( {$30000.00} + {$1500.00} ) in USPS Tracking Number : XXXX - Your item was delivered at XXXXXX/XX/XXXX on XX/XX/XXXX in XXXX, TX XXXX to XX/XX/XXXX XXXX. The item was signed for by XXXX XXXX. 
on XX/XX/XXXX Chrysler still showed I owed {$1500.00} on the XXXX XXXX XXXX pickup truck. and have not released the Title to the new lienholder. 
My Check # XXXX for {$1500.00} has not cleared my bank to date XX/XX/XXXX, and Chrysler Capital is not planning to assist in locating the missing check, and offers no compensation to