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

I have contacted both XXXX XXXX XXXX AND EXPERIAN ( CREDIT BUREAU ) about two paid off auto loans not reporting on my credit report. The two accounts are reporting paid off on XXXX & XXXX but NOT EXPERIAN. XXXX told me that they sent my loan information to EXPERIAN but yet the account never posted to my credit it has been A YEAR OF CONTACTING BOTH COMPANIES BUT NO RESULTS! PLEASE HELP ME GET MY PAID OFF LOANS REPORTED TO MY EXPERIAN CREDIT REPORT!
Product: Debt collection

i was reviewing my credit report and found this item on my credit report, and have never been contacted by this company at all. I am a victim of id theft.
Product: Credit card

I want to report  XXXX  credit card companies that keep disputing me and reporting me to the credit bureaus and making my credit very very bad. I have a socre of less than  XXXX  when I should have a  XXXX  or higher. I swear to you and the government that I never was late on any bill in my life. My husband late  XXXX   XXXX   XXXX   XXXX  was  XXXX  of   XXXX   XXXX   and we pay our bills even after he  XXXX . I have a Problem with  XXXX  and  Citic be cause I file a FTC report with Federal mCommission which my grandchild did for me and I also file police report 2 times and sent to both companies and still they fight me and will not remove from  XXXX ,  XXXX , and  XXXX . I have the files where I sent information. They sent  thousand of pag es of statements to me but no signature where I started the accounts. I swear I did not do this then they say my children or son in law do this but then I asked them for proof that it was my family and they did not sent and told me it was proof from transfer to another fraudulent account that is also on my credit. Then they say that I have funds transferred to a bank account at  XXXX  also that I did not open up.  Pldease, I am  retired and on benefits from my deceased husband who died of   XXXX   XXXX   XXXX   and I can not afford an attorney to fight this. This has caused me so much stress over the years and I am sorry for the companies that have been wronged with credit use and loss of money but I did not do this!!! I will go as far as an attorney if you can find a legal aid for a retired person on low income because I am not liable and I do not like my name is ruined because of these things on my credit bureau. I have never used my credit that much in the last 20 years except  XXXX ,   XXXX   XXXX   XXXX   and I assure you, I was never late for those or  XXXX  and  XXXX . I never was late on any bills ever. I had  XXXX  card with my husband ove r 20 or 30 y ears ago and never was late.  I had Sears  and  XXXX   XXXX  cards and never was late either. Please investigate for me.    XXXX   sent over one hunder eds of papers with statements and none with my signature on it. Citi said I transferred money to a  XXXX  account but I did n't even know they have a bank account in my name. I have talked to all of my family members and they did not do this because they say family did it and if so, then so be it. Whoever is responsible should pay for it not me. I need help with this please.
Product: Credit reporting

Unable to access free annual reports for maybe XXXX consecutive years now. Information used to verify my identity to get the reports states SEVERAL possible accts I have never even thought to open. Loans I have n't applied for! 
Also I lost my ID card Last year and have since been told by a few eyewitnesses that a female I know had been using my identity in the XXXX XXXX area XXXX XXXX XXXX.
Product: Debt collection

I am the properly authorized consumer and I am submitting this dispute on my own without any third parties, with the intent to not be discriminated against for exercising my rights and applying the federal laws put in place to protect me the consumer. On XX/XX/22 a certified notice was sent to First Progress Card in reference of a billing error. First Progress Card failed to clarify the billing error, but instead used aggravated identity theft with extortionate means for the collection of an extension of credit. Please see attachment.
Product: Debt collection

XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AE XXXX ___________________________________ Scott and Associates XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX ) XXXX - XXXX RE : ACCOUNT XXXX File # : XXXX Dear XXXX XXXX, I am continually being called on the telephone by your firm over an alleged debt. Im sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ), and I am requesting validation of this debt. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. I request that you cease contacting me via telephone and all future correspondence by writing or email. To refresh your memory on what constitutes legal debt validation, I am providing you a list of the required documentation : Complete payment history, the requirement of which has been established via XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX An agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the original creditor. 

Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiffs debt, how amount sought was calculated, where in issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt. Intimate knowledge of the creation of the debt by you, the collection agency. 

As I am sure you are aware, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the courts ruled that reporting a collection account indeed is considered collection activity. 

While I preferred not to litigate, I will use the course as needed to enforce my rights under the FDCPA. 

I look forward to a speedy resolution of this matter. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

i received a bill from XXXX XXXX XXXX saying that I owe pay pal the amount of {$390.00} as of today 's date I have not received verification of this debt and they are attempting to collect and I have no idea when this debt was and if I truly owe this bill. This debt has to be more than 3 years old and has passed the statue of limitations on collecting as of today 's date I have not received a bill from pay pal to pay nor have they contacted me to do so.
Product: Debt collection

Optimum Outcomes, Inc. filed a collection on my credit report. In the past, my late fathers medical bills had been mixed with my bills because I cared for him and we shared the same doctors. I disputed the debt with the credit reporting agency. Their investigation came back verified. I contacted Optimum outcomes and the lady was rude and was not willing to communicate other than stating I owed the debt. I then wrote a request to Optimum Outcomes for proof of the debt. They responded with only a letter showing the same information that was on the credit report and stated this was their validation and they were only required to do this once. No proof of agreements between me and the original creditor, the creditor and collector, payment history, original agreement, itemized statement or anything else that would prove the debt. Only XXXX insulting letter for verification.
Product: Credit reporting or other personal consumer reports

I am requesting to unfreeze my credit report for my car loan application, which requires access to my credit information for background verification.
Product: Credit reporting or other personal consumer reports

Dear American Express Customer Service, I am writing to address a matter of profound concern regarding an unauthorized credit application submitted in my name. According to recent correspondence, I applied for the XXXX XXXX XXXX XXXX on XX/XX/, and subsequently received notice of the application 's decline. This letter serves as my second complaint following my initial report filed with the Consumer Financial Protection Bureau ( CFPB ). 

Upon thorough review, I wish to emphasize that I did not authorize the credit application in question. I am deeply committed to maintaining financial responsibility and ensuring the accuracy and integrity of my credit profile. In this instance, I have become a victim of fraudulent activity, as I did not submit the application, and this is a mistake that requires urgent rectification. 

The reason for my filing a report with the Consumer Financial Protection Bureau ( CFPB ) is to bring this matter to their attention. This marks my second CFPB report on this issue, and respectfully, I anticipate it will be the final one. 

I am reaching out to you as an initial step in resolving this matter. Recognizing that errors can occur, I believe that through collaborative efforts, we can promptly correct this discrepancy. I kindly request that you conduct a thorough investigation, considering the steps I have taken to dispute the unauthorized application. Under the Fair Credit Reporting Act ( FCRA ), I am protected against inaccuracies on my credit report, and I trust that American Express will adhere to the legal provisions in addressing this issue. 

Your prompt attention to this matter is crucial in preserving the accuracy of my credit history. I request the resolution to include the removal of the unauthorized hard inquiry on my credit report, as this was not initiated by me. 

I appreciate your understanding and cooperation in resolving this issue promptly. I look forward to a timely and positive resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX performed an unauthorized hard inquiry on my credit report.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I applied online for a Chase XXXX XXXX credit card, at the time I was purchasing a plane ticket on Southwest Airlines. The offer was XXXX bonus miles if I charged {$1000.00} on the credit card within the first 3 months of account opening. I charged {$1000.00} on the credit card in the first 3 months and they only credited XXXX points. I called Chase Bank and they refused to honor the XXXX bonus points.
Product: Debt collection

XX/XX/18 My payment was due Saturday, XX/XX/XXXX. I was unable to make my payment that day due to out of town camping. Sunday and Monday ( XXXX XXXX Holiday ) business was closed. A close friend of mine received a phone call XX/XX/18 from XXXX XXXX/Security Finace, stating I was behind on my loan giving out my information and details about my loan, technically after being only 1 day late! This is not the first time they have given out my loan information to a person over the phone. When I called, the lady was very rude and started making threats over a payment that was 1 business day late!
Product: Credit reporting or other personal consumer reports

FINAL NOTICE! As the final step in this dispute process, I am demanding the immediate resolution of the issues on my credit report. Your continued failure to address my disputes is a direct violation of federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out personally and so has the agency hired on my behalf to do so named XXXX we have reach out to all major Credit Agencies Equifax, and others I have submitted metro 2 letters of challenge and compliance with no response for 2 months now. I just sent out last week round 2 of the same letters and am waiting to hear back. Since they have had enough time more than 30 days since round 1 letters to respond. They haven't done so I am reaching out to CFPB for help in cleaning these issue up ASAP. 
I also submitted letters and proof to all above mentioned agencies to remove false reporting data from my accounts as the name and address are incorrect as is all the other reporting as I have never extended written consent to any reporting agency to report anything on my behalf. I have hired XXXX credit repair agency to act on my behalf to dispute fraud with said agencies and I have also myself send out letters requesting immediate removal of fraudulent reporting as I have NEVER gave permission to any company to report anything on my behalf except the above mentioned credit repair agency. I have not been able to reach anyone from the above mentioned credit agencies. I am frustrated and want my credit cleared ASAP.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and Social Security Number : XXXX, and Date of Birth : XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you shall 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 and XXXX and 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

This is I believe the second request to remove all non-account inquiries over 30 days old as I did not initiate these inquiries. This company is required by law, according to [ 15 U.S.C. Section 1681b ] Section 604 ( c ) to remove all inquiries that I did not initiate. What valid proof does the creditors/companies have for the inquiries on my credit report to be, according to them, " a factual record of file access '' when I have no account/contract with them? Non-account holding inquiries and unvalidated inquiries that remain on my credit report that they failed to with maximum accuracy to validate and verify shall be remedied by enforcing my rights under the FCRA. The following inquiries need to be removed from my credit report immediately. 

Creditor Name Date of Inquiry XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

these accounts that i am disputing are due to identity theft and fraud and need to be removed. I did not provide permission for you all to furnish anything. As A consumer i know my rights per 15 usc 1681 b.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the credit reporting act : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXk, XXXX XXXX XXXX, as violated my rights. 
15 U. S. C 1681 section 602 A. State that I have to write to privacy.

15 U. S. C. 1681 section 604A section 2 : It also state a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Department of Education has duplicated the same informationthrough several companies. Making it appear that I owe 3 differentcompanies the same amount of money ; and each of them arederogatory. Each of them are reporting similar information butdifferent payment histories, different start dates, different last activitydates. Upon information and belief this is done to make the additionalcompanies appear authentic. I have never had a contract with any ofthese companies and I am in fear that I will be forced to pay upwardsof {$45000.00} to clear up my name. This has caused me unimaginable ISSUE Problem with a credit reporting company 's investigation into anexisting problem HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THECOMPANY?

Yes TYPE OF ISSUE Their investigation did not fix an error on your report financial stress during this pandemic. I notified the three bureaus onXXXX XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX, XXXXDEPARTMENT OF EDUCATION All student loan repayments havebeen placed on hold since XX/XX/XXXX. They are falsely reporting ithas been in collections when they are legally prohibited fromcollecting. This account payment dates are inaccurate and differentat each of the bureaus. XXXX All three bureaus are reportingwhat could be a violation of a Nondisclosure Agreement ( SF-312 ). Thecontractual agreement between the U.S. Government and me is tonever to disclose information to an unauthorized person. I have neverauthorized or consented to disclosure of my personal information. This account payment dates are inaccurate and different at each ofthe bureaus. It should also be noted that the Consumer FinancialProtection Bureau has sued XXXX in XXXX for systematically andillegally failing borrowers at every stage of repayment. I will attach acopy of CFPBs press release. XXXX All three bureaus arereporting what could be a violation of a Nondisclosure Agreement ( SF-312 ). The contractual agreement between the U.S. Government and me is to never to disclose information to an unauthorized person. I have never authorized or consented to disclosure of my personal information. This account payment dates are inaccurate anddifferent at each of the bureaus. DEPTEDXXXX All three bureausare reporting what could be a violation of a NondisclosureAgreement ( SF-312 ). The contractual agreement between the U.S.Government and me is to never to disclose information to anunauthorized person. I have never authorized or consented todisclosure of my personal information. This account payment dates are inaccurate and different at each of the bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX - Account # XXXX, XXXX - Account # XXXX, has 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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
Product: Debt collection

Per FCRA 15 U. S. C. 1681, I have requested proof of debt, my signature on any documents stating I agreed to pay said alleged debt and records of a payment history for the alleged debt. This alleged debt states that the loan originated in XXXX. This alleged far exceeds the time frame for such alleged debt to remain on my credit file. 

I have asked that the alleged debts be removed from credit file. It appears on my credit file twice with different amounts but the same account numbers.