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

Upon looking at my credit report, I noticed unauthorized inquiries reporting. It looks like some applied in my name. I have written multiple letters to Equifax as well as called multiple times to correct this mistake. As of today, nothing has been done. The inquiries are still reporting. According to the FCRA, legally these unverified & unauthorized items MUST be removed! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I have already submitted a police report via mail. As well as already contacted the original creditors.
Product: Credit reporting, credit repair services, or other personal consumer reports

print iconPrint Your Report Potentially Negative show tooltip button XXXX XXXXUnder Dispute XXXX XXXXDispute XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute XXXX XXXXUnder Dispute XXXX XXXX XXXXDispute XXXX XXXXUnder Dispute XXXX XXXXL XXXX  XXXXDispute U.S. DEPARTMENT XXXXF EDUCATIONUnder Dispute U.S. DEPARTMENT OF EDUCATIONUnder Dispute XXXX XXXXUnder Dispute XXXXUnder Dispute
Product: Credit reporting 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. 
Account name : XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXXXXXX XXXX XXXX XXXX The inaccurate reporting of these accounts have violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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, credit repair services, or other personal consumer reports

XXXX XXXX Account Number : XXXX I sent police report. was ignored I sent affidavit document was ignored I did all the legal way. I sent all my documentation proofing that I 'm a victim. Nothing to even respond. I have all my certified mail copies and return label also and I did upload file came from XXXX XXXX which is totally not an application seriously. it does n't provide me account number or anything. Also when I called and ask Experian and XXXX customer service they told me we ca n't give you response and any documentation and this will stay on your report forever as long as they want and that 's totally wrong honestly and I 'm feeling now these companies they are violating my rights please help and no one above the law that 's what I believed forever. please give me a written documents that my signature on it or delete this. 

Please, you are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. 

In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or removed immediately.
Product: Credit reporting or other personal consumer reports

I am sending this complaint to formally dispute an inaccurate late payment reported on my credit report for my mortgage account with XXXX XXXX ( Account number : XXXX ), which was reported as a late payment.
Product: Debt collection

Your continued disregard for my requests violates the Fair Credit Reporting Act ( FCRA ), which mandates investigation of disputed information. This constitutes a clear violation, subjecting your company to legal consequences. Despite multiple requests to investigate and correct the information, including the following disputed accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX. I am writing in reference to the lien release document dated XX/XX/XXXX, concerning loan number XXXX. 

XXXX. This document states that my loan of {$10000.00}, originated on XX/XX/XXXX, was paid in full on XX/XX/XXXX. 

XXXX. The lien release is notarized by XXXX XXXX, adding legal verification to its contents. 

XXXX. I am concerned that my credit report does not accurately reflect the information contained in this official document. 

XXXX. I request that XXXX XXXX XXXX XXXX review their records and ensure that my credit report accurately shows this loan as paid in full as of XX/XX/XXXX. 

XXXX. XXXX XXXX XXXX has posted a personal loan to my credit for a duration of over 4 years erroneously, it is demanded this is removed. 

XXXX. Please provide written confirmation once you have completed all necessary corrections to ensure accuracy in credit reporting. 

XXXX. The lien release is a legal binding document, XXXX XXXX XXXX XXXX is in violation of the protections afforded under the FCRA.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. I filed a police report and also filed an identity theft report with the FTC through their website. Equifax keeps sending me a generic letter without actually checking my information. This has happened for several years with no recourse to them so they continue to do the same thing. There is an account from XXXX bank for a credit card ending in XXXX. They have continuously ignored my police report and FTC affidavit regarding this matter. Nothing has ever been researched or contacted the company. I would like this account ending in XXXX removed from my credit report as it has hindered me in getting a home loan for several years
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never received any DOCUMENTATION from Experian or XXXX XXXX XXXX. I have never entered into any legal contracts with this company. This is extortion this account is appearing 3 times and no documentations has been provided and this is the third complaint. No documentation was provided with XXXX XXXX or XXXX and the account were deleted in 30 days. I has a police report as well as file a complaint directly with the FTC. Under the provisions of the FCRA 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) this account is not accurate No Proof of Claim has ever been provided. The law is very clear as the Civil Liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I have no problem with filing a law suits, however I would prefer to have a deletion based on the facts, that stand before the current situation.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding an inaccurate credit reporting issue on my Home Equity Line of Credit ( HELOC ) account with XXXX Bank. This incident marks the first delayed payment in my XXXX credit history. 

I have been a customer of XXXX XXXXXXXX for over XXXX years, always ensuring timely payments, as my HELOC account is set up with automatic payments. However, while I was traveling outside the country, the automatic payment scheduled for XX/XX/2024, was returned due to insufficient funds in my XXXX XXXX  checking account. Unfortunately, I received no email or text communication notifying me of this issue. 

I became aware of the missed payment at the end of XXXX, when a friend who was checking my mail sent me a screenshot of a letter from XXXX XXXX the XXXX period had already passed. Despite this, I immediately logged into my account and made a payment of {$1500.00}. However, the payment was posted on XX/XX/2024, and was consequently reported as delayed to the credit bureaus. 

I also sent a formal request via postal mail to XXXX XXXX, asking for this delay to be waived and for the reporting to be corrected, but I have not received any response yet. 

Given the circumstances : I was traveling internationally and did not receive timely notification from XXXX XXXX  about the failed payment. 
I took immediate action to make the payment once I became aware, well within the XXXX mark. 
This is the first delayed payment in my entire XXXX credit history. 

I respectfully request that XXXXXXXX XXXX  correct this error and remove the late payment from my credit report to prevent further damage to my credit score. 

Thank you for your attention to this matter, and I look forward to your assistance in resolving this issue.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXXXX XXXXXX/XX/year> According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent dispute letters to experian, XXXX, and XXXX. The credit companies are not complying with their own policies in a timely manner.
Product: Checking or savings account

Please refer to CFPB Case # XXXX In short : BMO bought Bank of the West and XXXX screwed up the website when they took over in XXXX. I was trying to compile my XXXX tax info, but when I downloaded XXXX statement files, they were actually random statements from XXXX, not XXXX. I then tried to access the site again while traveling, but was blocked because BMO would not send me a code via email, as Bank of the West had always done. Thus I could not submit my tax info on time to my accountant, who charged me {$600.00} late fee, due to BMO 's incompetence and neglect of its customers.

In my previous complaint, I noted that my CPA would likely charge a late penalty, and I finally received ( and paid ) the invoice, which includes the late penalty. I attach the CPA 's invoice.

I request BMO reimburse me for the {$600.00} late fee.
Product: Debt collection

In late XXXX, my XXXX Visa card was compromised. In mid XXXX, I noticed 4 transactions for XXXX, totaling a bit more than {$4000.00} on the card. These were not purchases made by me. I contacted XXXX XXXX XXXXXXXX, who researched the issue, and, approximately 60 days later, issued me a credit for the fraudulent transactions. I considered the matter closed. In early XXXX, I began to receive phone calls from Cedars Business Services, a debt collection agency. They would call 3-4 times per day. I initially regarded the calls as " spam '' communications, but, after a discussion with one of their representatives, learned that XXXX was attempting to recover payment for one or more of the Fraudulent transactions from me. 

I attempted to tell XXXX that these transactions were fraudulent, but, they had no documentation that this was the case. 

I attempted to report the issue to the police, but, since I received refunds for the transactions, I was not regarded as the victim of a crime. 

I attempted to secure documentation of the fraud from XXXX, an onerous process that took several weeks, and finally resulted in some vague, general documentation that I had submitted a fraud claim. I provided this documentation to XXXX on XX/XX/XXXX, requesting that they " call off '' their debt collectors, and issue me a letter confirming that these transactions were fraudulent.

I am writing the CFPB for several reasons : 1. To raise the issue that identity theft is difficult for individual consumers to react and respond to in the absence of documentation that the theft has occurred.

2. To say that, from my experience, neither VISA, nor XXXX, has any clear policy or procedure to issue a simple notification that one has been the victim of fraud. 
3. That XXXX, the vendor in question, appears not to have any clear policy or procedure for dealing with victims of identify theft and/or fraud.

4. That the issuance of a clear, unambiguous statement that specific transactions have been determined to be fraudulent should be a right afforded to consumers.

5. That companies should have clear policies and procedures that permit the victims of fraud or identify theft to dispute charges.
Product: Mortgage

I applied to refinance in XXXX with paying {$500.00} application fee. It is almost 5 months but they have not processed my application.
Product: Student loan

To whom it may concern - I recertified my IDR on XX/XX/2024, via XXXX. It was received by mohela on XX/XX/2024. Approved on XX/XX/2024. 
My renewal date was XX/XX/2024 and papers should be in by XX/XX/2024. 
I noticed once my renewal was approved my renewal month on Mohela was changed from XXXX to XXXX. 
I called to ask, because my renewal month has always been XXXX. No one has been able to answer why the change, or change the month. Is there a reason? I didn't renew late or too early. Please help
Product: Credit reporting or other personal consumer reports

Back in XXXX I reached out to trans union about XXXX hard inquiries on my credit report that I didnt recognize nor authorize. Here are the companies and dates they were made. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX, XXXX BANK XXXX
Product: Debt collection

I am writing to formally file a complaint regarding an unauthorized debt that has been reported on my credit file without my permission, as well as the failure to correct and remove incorrect information despite my previous requests.

I recently reviewed my credit report and discovered that my collections and credit card debt is wrong. I did not authorize this debt, nor was I notified or provided any verification regarding its validity. Additionally, I have previously requested that this incorrect information be investigated and removed, yet it remains on my file, negatively affecting my credit score and financial standing. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report, and the reporting agency or creditor is required to investigate and correct any errors within 30 days. Since my concerns have not been addressed, I demand immediate action to : Provide proof that I authorized this debt, including any signed agreements or documentation. 
Remove any incorrect or unverified information from my credit file. 
Confirm in writing that the necessary corrections have been made. 
If this matter is not resolved promptly, I will have no choice but to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. Please respond within [ reasonable timeframe, e.g., 15 days ] to confirm the steps taken to address my concerns. 

I have attached copies of relevant documents to support my claim. Should you require any further information, please contact me at [ your contact details ]. I appreciate your immediate attention to this matter. 

Sincerely, XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and was shocked to discover identity theft. I found this account XXXX account number XXXX on my credit report that were not opened by me. Also three addresses that does not belong to me XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX  and XXXX XXXX XXXX. This has been troubling me greatly, especially as I am in the process of purchasing a home for my family. I kindly request the immediate removal of these fraudulent accounts from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  reports on my credit file And account is not mine
Product: Debt collection

XX/XX/XXXX I received a letter from Specified Credit Association , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX, Phone XXXX XXXX XXXX Referencing a balanced owed of : {$140.00} Ref : XXXX  XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I never signed up for a membership at XXXX XXXX. 

I went to XXXX XXXX and found out that the XXXX XXXX Staff allowed someone else to sign up for a membership in my name as a gift and sign my name for me. 

The contract on their computer shows someone else 's name for the back account information for payment and my first name signed with a finger signature pad - NOT MY SIGNATURE. 

I never signed a contract, I never signed up, I never stepped foot in the gym prior to trying to resolve this problem. 

The problem began when XXXX XXXX Committed Fraud by allowing their employee to willfully allow someone else to sign my name on the contract. As a result, their bullying collection agency calls and says " How can you work out without a contract '' ... These guys are on an autopilot scan. 

Someone else to signed my name to begin an illegal contract. 

If the person that signed me up was told " the new member needs to come in and sign '' and I went in and signed they would have a valid contract. 

When employee could have signed my name for all I know. 

Specified Credit Continues to call me like it is the first time they are trying to collect on this debt. 

I ask them to quite harassing me and they hang up me. 

Specified Credit Associations Inc. has called me : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Today, XX/XX/XXXX, I explained, again, I do not have a gym membership. 

How can I have a membership without a signed contract? 

I asked them to quite harassing me and they told me to " What my mouth '' and hung up on me.
Product: Credit card

My previous complaint to CFPB # XXXX XXXX reported that Company has responded. THAT IS INCORRECT. I HAVE NO RESPONSE. 
I HAVE BEEN SCAMMED BY AMERICAN EXPRESS FOR FEES AND OTHER DEDUCTIONS WHAN I DO NOT HAVE ANY CARD. I HAVE NOT RECEIVED OR ACTIVATED ANY SUCH CARD. ANY CHARGES THE COMPANY HAS MADE ARE IMPROPER AND A " SCAM ''.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed XXXX Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update or get rid of the following accounts from my file. 

XXXX XXXXXXXX Balance Owed : XXXX ; XXXX  XXXX Balance Owed : XXXX ; XXXX XXXX XXXX Balance Owed : XXXX
Product: Debt collection

I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC XXXX. XXXX XXXX XXXX {$1000.00} XXXXXXXX XXXX XXXX {$1200.00} XXXX. MIDLAND CREDIT MANAG {$1800.00}
Product: Credit card or prepaid card

On XX/XX/XXXX I tried to log in and make a payment on my credit card. I was given an error message when I attempted to log in. It stated that the website was currently unavailable and to try again after XXXX XXXX est. I was able to make a payment the following day and subsequently called to have the late fee removed and was told late fees are not removed. I know this is false because I have had a late fee removed in XXXX of XXXX. Generally you are allowed one every calendar year. Instead of attempting to refund the late fee, supervisor XXXX XXXX employee id # XXXX XXXX argued with me stating the website was never down and that customer service is XXXX XXXX which is false. I was unable to use the pay as guest feature because I do not have a physical card, therefore I can not enter a card number. I also receive XXXX statements which do not list your full card number. You also need to log in to view said statements. Again the site was down and would not allow me to log in. I would like the {$39.00} fee for my {$42.00} payment to be removed. My account is and has been in good standing.
Product: Credit reporting or other personal consumer reports

There are multiple accounts in my credit report that are under false names. Im assuming my information was leaked in the data breach and they used my social security number and personal information but have other information incorrect.