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

I have been disputing the same accounts on my Experian and XXXX reports for months and this is over XXXX CFPB complaint between both Companies. They are reporting inaccurate information on my report. XXXX has deleted these accounts months ago. Per 15 USC Code 1681 e ( b ) CRA are to ensure the maximum possible accuracy of the information on the consumer report. I was a victim of XXXX XXXX XXXX and I sent in my FTC Report to both Companies and will attach below. The accounts in question are to be deleted within 4 Buisness days which its been over a month so thats a violation of 15 USC 1681c-2 ( a ). XXXX and Experian are also violating other consumer laws for example 15 USC 1681 s-2 ( b ) ( 1 ) ( A ) and 1681 a-2 ( b ) where neither company looked beyond the information contained or consulted underlying documents to verify the inaccurate information. Neither CRA behaved reasonably nor did they acquire sufficient evidence to support any conclusions of my CFPB complaints. I have never received any documentation from neither company stating how the accounts were verified or results of a thorough investigation. I requested information on how accounts were being verified and received nothing via mail. THESE COMPANIES ARE VIOLATING MY RIGHTS AS A COMSUMER.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Credit Bureaus : I am requesting four inquiries are removed from my credit report : # 1 XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX # 2 XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX # 3 XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX # 4 XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX I am requesting my credit history with XXXX XXXX is updated on all bureaus. I am requesting a rapid rescore as my scores have been low for the past ten years.

Thank you.
Product: Debt collection

Several collections that I am not aware of on my transunion and Experian credit reports. 

Account numbers : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT, PURSUANT TO SECTION 605B YOU MUST REMOVE THE FRAUDULENT INQUIRIES. INQUIRIES THAT ARE FRAUDULENT ARE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
XXXX XXXX XXXX Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete 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 ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

TO CFPB- THIS IS LAW- THIS COMPANY HAVE TO ABIDE BY LAW AND YOU MUST SEE THAT THEY DO OR YOU WILL BE IN VIOLATION : Under the laws UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 

I demand proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. EFFECT OF ERRORS OR OMISSIONS.

9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL You are required to provide me with copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle. 

If no such proof is provided within 15 days from receipt PER LAW, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 9 collections accounts that were re-inserted on my credit report without me being notified within 5 days of them being reinserted. All on Equifax {$75.00} XXXX XXXX {$70.00} XXXX XXXX   {$53.00} XXXX XXXX {$88.00} XXXX XXXX {$39.00} XXXX XXXX {$33.00} XXXX {$33.00} XXXX {$42.00} XXXX {$53.00} XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 When I log into experian to unfreeze my security to make a purchase I get bombarded with purchase options. The link to unfreeze has been removed. I contacted chat support just 5 minutes ago and was told to go to experian.com/freeze. It redirects me after logon to the same pages that keep throwing their sales tactics in my face. They should not be permitted to block my ability to protect my security. Even their staff can not help me find the path to unfreeze. I can purchase credit freeze and that will give me the option. I can see that I am supposed to have the free ability to unfreeze my security, but there is no link to do so. I need to purchase contact lenses and can not do it because this fraudulent company only cares about stealing money through worthless purchases, which I am not going to do. I want the ability to control my security. They have no right to take that control from me. 


| Chat Support Remember : To protect the private nature of your personal information, please do not share social security numbers, credit card numbers, etc. via chat. 

Please wait while we transfer your chat to the next available agent.XXXX  is your new agent for the chat session. 
XXXX XXXX, who do I have the pleasure of chatting with today? 

When I log into experien I should be able to freeze or unfreeze my credit. You have hidden or removed that option under an bunch of XXXX sales. 
XXXX XXXX XXXX Thank you, XXXX. I am sorry but what did you purchase, please? 
XXXX XXXX  XXXX XXXX on your site. I don't want anything this ripoff company has to offer. 
XXXX XXXX  I want to unfreeze my credit and that option does not seem to be available unless I purchase something and that is illegal. 
XXXX XXXX XXXX I do not see a purchase that you have made on our website and I understand how you feel but like all companies, we are offering free services as well as paid, it is always your choice. 
XXXX XXXX XXXX where is the credit unlock?????? 
XXXX XXXX  XXXX Security Freeze is for free members and CreditLock is for paid members, you have a Security Freeze. I understand you would like to remove your Security Freeze. In order to complete this request, you will need to go online to www.experian.com/freeze. For security reasons, I am unable to complete this request via chat. You will also need to contact XXXX and XXXX, if you have set it up with them. They can be reached at : XXXX XXXX XXXX XXXX Please copy and paste the link above into a new browser or TAB and select Remove or Lift a Security Freeze. It is Free. 

XXXX XXXX Me I am logged into experian, but the only options I have are to purchase XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : 1. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
8. Identity Theft XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
9. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
10. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
11. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Student loan

I was promised a job upon Graduation. Did nothing to help me get a job, they told me that i would be paying loan back based on job in my field.
Product: Debt collection

XXXX, XXXX M SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TODAYS DATE : XX/XX/XXXX AMSHER COLLECTION SERV  XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious AMSHER COLLECTION SERV XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXXXXXX XXXX XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX M SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$620.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised so I disputed the many unauthorized accounts on my credit report. However, the 3 major credit bureaus response was account been verified. Now in this complaint I'm requesting the Method Of Verification, who verified it, what date, what time, inwhom did they talk to, and where's the physical documentation as stated in the FCRA, inwhich as a consumer and a victim of fraud I'm entitled to. The following accounts I'm requesting this information for are as following ( 1 ) XXXX XXXX, {$860.00}, ( 2 ) XXXX XXXX XXXX, {$1200.00}, ( 3 )  XXXX XXXX XXXX XXXX, {$1500.00}, ( 4 ) XXXX XXXX XXXX, {$6200.00}, ( 5 ) XXXX XXXX, {$740.00}, ( 6 ) XXXX XXXX {$740.00}, ( 7 ) XXXX XXXX XXXX, {$390.00}, ( 8 ) XXXX XXXX XXXX, {$0.00}, ( 9 ) XXXX XXXX  XXXX, {$0.00} ... .. Again, I'm requesting the Method Of Verification, and/ or block and remove all the above accounts.
Product: Credit reporting or other personal consumer reports

It is deeply disappointing that, after numerous disputes and the evidence Ive provided, you continue to report inaccurate information on my credit report. This repeated failure to address the errors violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 

I have made every effort to resolve this matter, yet the inaccuracies remain. I demand an immediate reinvestigation, a review of the attached documentation, and prompt action to correct or remove the false information to ensure my report is 100 % accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

ive had loan with XXXX later changed name to XXXX XXXX for almost 10 years in XXXX sold my loan to shellpoint morgage servicing. 3 months later approximately XX/XX/XXXX sent me letter havent paid my insurance on condo but i had whole time sent then state farm insurance with policy and all details then called state farm and they sebt copy of whole policy, about month later recuieved letter again never paid insurance, they said when callled never recieved and took XXXX ourt of escrow and owe another XXXX and XXXX im on XXXX and am double paying my insurance sent then through condo manager with details of company who to contact asnd manager at condo, they throught it away according to supervisor i talked to later, then said she needs to talk to condo manager with conference call she set up time at XXXX XXXX  to XXXX next day i called condo manager make sure there and oked but shellpoint supervisor hasnt called is 3rd day now and i cant ask manager to wait for calls never come they have told me on several occasions had info processing and dont worry everything straighted out never happened and about 20 or more times i left number on answering machine said would call back in order recieved didnt call back but one and didnt call back for conference are lying to me putting me heave in debt and i have all bills baid
Product: Credit card or prepaid card

This credit card company does not know how to protect its consumers. During follow up calls they said the fact that we still have the card makes us liable for the disputed charges. Neither me or ANY of my family members have gone to 2 of those places in NJ where the transactions took place. If there will be a PROPER investigation we are confident that it can be proved we were never on those places at all. The credit card co does not give us any other information whats their evidence why we are responsible. We dont even know if these purchases were done online or in-person. This has been reported to the XXXX police.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX someone hacked my email and chime account with XXXX dollars in it I called before this even happened and told several representatives it was not me making changes on my account they said they couldnt do anything about it and they can just send me XXXX to my sister account Im homeless and stranded as of right now with XXXX kids if you cant help me with anything within the next 2 hours I will be taking farther actions contact XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was shocked to see inaccurate accounts suddenly appearing on my credit report this morning, and I have no clue why theyre there. Ive always checked my report regularly, but this time, there were unexpected discrepancies. I even tried refreshing my browser, thinking it might be a glitch, but the inaccurate accounts remained. This issue is really unsettling, so Im requesting that the documents Ive sent be thoroughly reviewed to ensure I never have to worry about this again.
Product: Credit reporting or other personal consumer reports

These Inquiries listed are unauthorized and fraudulent, as I did not authorize these inquiries.
Product: Credit card or prepaid card

Credit Card ( Barclays ) informed us of suspicious fraudulent activity on the card via phone call in XX/XX/2020. We reviewed the statement and outlined the fraudulent charges and sent back to the Credit Card company as requested. A few months went and nothing happened, we contacted them again in XXXX we contacted them and they told us that the case was closed. We received no written notification of this or the investigation into the fraud. 

I have been a customer of Barclays for 17+ years. No incidents They also informed us that they had no record of the statement we provided with fraudulent charges identified. We saved a copy and resent it to them. Since then we have called the company several times and can not speak to them after waiting on the phone for 2+ hours. The company keeps informing us that it's our fault, their fraud department is too busy to speak with us and nothing happens. 

During this time they have charged me interest and penalties for not paying the fraudulent charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported Identity fraud with my local Police department last XXXX. I have supporting documents that prove my claim. I also filed a report with the FTC. I have documents that support my claim. App Folio was contacted by myself in XXXX of last year XXXX and XXXX of this year XXXX and asked by me to stop any and all sharing of the inaccurate information contained in my file. I was a victim of Identity fraud. To date this has not been done as I requested. They continue to provide this inaccurate, derogatory information to several companies. I am unable to obtain reasonable housing because of this. An apartment application costs me {$40.00}. I pay the {$40.00} only to find this information that is inaccurate and false presented to property management companies even though I specifically requested that the information not be shared until the inaccuracies are taken off my file and investigated. They continue to ignore my requests even as it costs me time, money, and a smear on my reputation and business. It is unacceptable and I request once again that they cease to report my file to anyone else. Me being a victim of identity fraud is not something that I should be punished for time and time again. This has been going on for more than a year now and high time it stops immediately.
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. 
Account number : # XXXX Has violated my rights 15 U.S.C 1681 Section 602 A. States I have right to privacy 15 U.S.C 1681 Section 604 A. It also states consumer reporting agency can not furnish account without any written instructions 15 U.S.C 1681.c ( 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 ) ( 1 ) A person shall not furnish any information relating to the consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Bank account or service

I w alerted that I was a victim of identity theft when my credit card limitwas decreased from {$30000.00} to {$2500.00}. The delinquent account is withDiscover. It has been three weeks and I have not gotten cooperationwith them to remove this account from my credit report. I still, after threeweeks have not received an affidavit to complete, they are still using thefraudulent information when I call to confirm my identity to check for pro-gress on the investigation and will not release any information to me. Iwas told by one person that the affidavit was mailed to the address thatwas used to open the account, which is in another state, and not to me. II feel that I am getting no respect, no cooperation, and no help with thismatter, when they are at fault for opening the account with inaccurateinformation. They told me that there is no documentation of when I have callecalled to make inquiries. DISCOVER is not taking any responsibility/accountability forthis. I feel as though I am being treated as the guilty party when I aminnocent and trying to clear my credit report, which has been stellar untilthis incident.