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

XXXX has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned 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 XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After having received my annual credit report, I found that Equifax charged me with 3 times as many hard inquiries than all other credit reporting agencies for the purchase of an automobile in XXXX. Although I did not authorize the auto dealership to make multiple inquiries, I understand that when multiple inquiries are made for the purchase of an auto, mortgage or student loan to lenders within a short period of time, typically, these are treated as a single inquiry. All other credit reporting agencies treated this occurrence as a single Hard inquiry.
Product: Credit reporting or other personal consumer reports

I an following up on with Transunion, XXXX, and XXXX to update my personal information on my credit report.
Product: Checking or savings account

On XX/XX/XXXX, I applied to open a new checking account with U.S. Bank. After sending over personal documents to an agent with U.S. Bank, I was able to open the account and make an initial deposit online by XX/XX/XXXX. A part of this process of trying their financial product was using promo code XXXX, which is an incentive of {$300.00} as a welcome bonus after receiving direct deposits from my employer. 

Unfortunately, after meeting the terms of the bonus offer and waiting the appropriate amount of time needed for processing ( 60 days ), I have not yet received my welcome bonus. I have called the financial institution ( on XX/XX/XXXX ) and they were unable to find anything to resolve this issue ( although I will be calling back next week ). I hope that U.S. Bank can be held accountable for this situation.
Product: Credit reporting

I have worked for the same company for 17 years. 
City for XXXX, XXXX XXXX. 
They are same Employer, City of XXXX IL.
Product: Credit reporting or other personal consumer reports

XXXX, Equifax and XXXX XXXX failed to fulfill its legal obligation under the FCRA to conduct a reasonable investigation of disputed information on my credit report leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau CFPB, has recently filed a lawsuit against XXXX and Equifax alleging systemic issues such as failure to forward consumer-provided evidence to furnishers accepting unreliable responses and failing to adequately notify consumers of dispute outcomes.These failures align with my experience, where XXXX, XXXX XXXX and Equifax has neither corrected or removed items despite the evidence I have provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as XXXX, Equifax and XXXX XXXX inactions violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$170.00} Original Creditor : XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

Im not sure why of how it came to this due to the fact that I called you back in XXXX or early XXXX to inquire as to why Wells Fargo did not take the money from my account. let me correct that last statement you did take it and then released it back to my account several times I know that it may have been less than the expected amount but you did take it and put it back. I did not receive any correspondence from Wells Fargo explaining the situation to me at that time, that's why I called Wells Fargo to find out what was going on and I was informed that my name was not on the mortgage I informed Wells Fargo that my wife had passed in XXXX of XXXX, from XXXX. I then told him that my name was on the deed and he confirmed that and told me it would have to they would automatically take the money from the account t be investigated why the money was not taken from my account and that it would take from 10 to 14 days to find out, I did receive a call right around the 14 days and was informed the it would take another 14 days to complete the investigation. After the conversation I finally received correspondence stating, NOTICE OF INTENTIONS TO FORECLOSE. To my surprise needless to say that I was disappointed do to the fact the money was in my account and before all this happened they would automatically take the money every two weeks with know problems or issues. I have been banking with Wells Fargo well over 25 years, and they have been our mortgage provider for over I want to say at least 10 years. And if you check my payment history it will clearly show the mortgage was always paid on time. Needless to say that I don't know about all the banking policy and practices but I do know that all of this could have been avoided if Wells Fargo cared about it customers. And to add more insult to this situation I receive a check in the amount of {$840.00} dated XX/XX/XXXX stating for misapplication reversal. And I currently have over {$6000.00} in my account today due to the fact I was still making the required deposits to my account. So do to some internal issues or changes its my fault that you have not taken the money from my account, so now I have to contact my township to make sure the taxes is paid. Therefore I am seeking a resolution to this problem and I will also be filing a complaint with the Consumer Financial Protection Bureau.
Product: Debt collection

On XX/XX/XXXX we notified radius collection Agency the debt from XXXX  was a result of internal fraud and disputed it along with a request for the itemized bill and validation via email and they acknowledged recording our request. They mailed a letter but didnt include the media or original contract to validate the debt. The debt has not been validated. A formal dispute has been filed with the XXXX  fraud department. We have a business account with XXXX and have been credited for the charges associated with this internal issue. 
Radius did not send the documents requested from XXXX. Radius instead reported it to the credit reporting agencies. On XX/XX/XXXX a representative asked us to pay over {$4000.00} to have it removed from our credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I filed for a copy of my free annual credit report, as allowed under the FCRA. Experian responded and said they couldn't identify me, and requested further information. On XX/XX/XXXX I mailed the requested information. Experian responded and said they could only partly identify me. they then requested THE SAME INFORMATION I already mailed them. I responded AGAIN with the same information requested. They responded again saying they couldn't identify me and requested the same information AGAIN. On XX/XX/XXXX, Experian received certified USPS letter # XXXX. This letter contained 1. A copy of my license 2. A copy of my Federally Issued Social Security Card 3. A Copy of a utility Bill 4. A copy of every address I have lived at since age XXXX, 5. My Date of Birth. 6. My Full Name. I have copy of tracking information and letter with all enclosed information to prove this. On XX/XX/XXXX, Experian responded by stating they still couldn't identify me and requested AGAIN the SAME INFORMATION the was already sent three previous times. 1. A copy of my license 2. A copy of my Federally Issued Social Security Card 3. A Copy of a utility Bill 4. A copy of every address I have lived at since age XXXX, 5. My Date of Birth. 6. My Full Name. While claiming not to be able to identify me and repeatedly requesting the same information, company haws repeatedly offer to sell me a copy of my credit file. If I cant ' be identified, how can I be sold a copy? Experian is attempting to extort me into buying a copy of my credit file.
Product: Credit card

I received a mail from CFPB that Elan Financial Services replied to state that my previous complaint ( complaint ID XXXX - XXXX ) lists someone the company does not recognize as their customer and they need to contact me first to release some information. 

Unfortunately, I have not received any phone calls from Elan Financial Services yet and when I tried to call, they never take my calls anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two loans that do not belong to me they are not mine I have not signed for these and i should not be paying for it my credit is going to waste because of this I have tried reaching out to the bureaus and the furnisher but they are not helping me. 

XXXX - Acct # XXXX Amt {$27000.00} XXXX - Acct # XXXX Amt {$17000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX Balance Owed : {$1400.00} XXXX XXXX Balance Owed : {$40.00} XXXX XXXXXXXX Balance Owed : {$740.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$760.00} XXXX XXXXXXXX Balance Owed : {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loan servicer Nelnet is incorrectly reporting information. Both on their website and to credit reporting agencies. 

My loans were discharged as I am XXXX XXXX XXXX veteran. As such the loans should be paid in full, closed. That's how they should appear and be reported. However, when I check the credit reporting agencies and when I get my mortgage verification document from Nelnet, they show as closed but still owning $ XXXX in loans. This is inaccurate, this is wrong, and I am being harmed from obtaining a mortgage. 

Please correct this.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$16000.00} XXXX
Product: Student loan

I want to file a formal complaint about how MOHELA is refusing to discharge my loans in a timely manor after being notified by XXXX and myself that my loans were discharged as I am a class action member of the Sweets V. Cardona settlement. I have provided MOHELA with information the XXXX Loan Servicer sent my Loan to you in error. I have provided MOHELA with the necessary information regarding my loans being discharged and I demand this be reflected with MOHELA and all loans from MOHELA be removed from my credit report. At this time MOHELA is well aware of the facts of my case as I've spoken to MOHELA and XXXX who sent the loans over in error. MOHELA is costing me thousands of dollars in interest and borrowing power by allowing loans to be on my credit report in error. Please remove these loans according to the information MOHELA can acquire from XXXX the loan servicer who has been notified by the Dept. of ED that my loans have been discharged. All relevant information has been uploaded to MOHELA. Once again MOHELA is violating my financial rights, and their obligation to have fair and accurate loan information be reflected on my credit report. Thank you for your time in this matter. Best, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : URGENT Dispute & Request for Fraudulent Account Removal To Whom It May Concern, I am writing to formally dispute an account on my credit report that was fraudulently opened in my name. The account in question is : Creditor : XXXX XXXX Date Opened : XX/XX/year> I previously disputed this fraudulent account with [ XXXX ] XXXX and it was removed from my credit report. However, it was reinserted without proper notification, which is a violation of the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 5 ) ( B ).

I have taken the following steps to resolve this issue : 1. Filed an FTC Identity Theft Report ( attached ).

2. Filed a police report regarding identity theft ( if applicable, attach ).

3. Filed a CFPB complaint, as this fraudulent account continues to appear on my report.

Additionally, the fraudulent account was linked to an address previously associated with other fraudulent accounts that have since been removed from my report. This further confirms that this account should not be considered valid.

I am requesting the following actions : 1. Immediate and permanent removal of the fraudulent Austin Capital account.

2. A detailed explanation of why the account was reinserted, as required under the FCRA.

3. A written confirmation that this account has been deleted and will not be reinserted.

If this matter is not resolved promptly, I am prepared to escalate my complaint and pursue legal action to enforce my rights under the FCRA.
Product: Debt collection

XXXX certified letters within a XXXX day period to Amsher Collection Services XXXX Inc. has failed to provide the following requested information to validate alleged debts:XXXX Signed credit applications between myself and the original creditorXXXX. Copies of all signed vouchers from the date accounts opened until defaultXXXX. Copies of all statements from the date accounts opened until defaultXXXX. Proof of the statue of limitationsXXXX. Proof of agreements that they were hired by the original creditor ( creditor as defined by the FDCPA ) orXXXX. A copy of the contracts Amsher Collection Services XXXX Inc. purchased the alleged debtsXXXX. If the alleged debts were purchased, provide a copy of agreements between Amsher Collection Services XXXX Inc. and myself, signed by me, stating that I have a contractual responsibility to Amsher Collection Services XXXX Inc. for the alleged debtsXXXX.Provide proof that Amsher Collection Services XXXX Inc. is bonded/Licensed for debt collecting in the state of AlabamaBy failing to provided all of the information that was requested on my behalf, the disputed claims are now considered invalid and all collection efforts must be stopped and the accounts must be deleted from Amsher Collection Services XXXX Inc. Amsher Collection Services XXXX Inc. can not validate their claims, therefore they can not, by law, collect on it, or sell it to another collection agency. Also, reporting debts to the credit reporting agencies that can not be validated is a violation of the FCRA XXXX Fair Credit Reporting Act XXXX, and carries a {$2500.00} fine. Please advise Amsher Collection Services XXXX Inc. of their infractions and that the alleged debts must be removed from their account immediately, and they also must be removed from all credit reporting agencies.Thank you.
Product: Checking or savings account

XXXX XXXX credit card, XXXX XXXX XXXX ) XXXX XXXX XXXX, Well 's Fargo Bank and XXXX XXXX XXXX XXXX have all neglected to follow the correct step 's and procedure 's to prevent and stop fraud. I have a security freeze and fraud alert on my credit report and not 1 bank take 's the necessary step 's to confirm my identity or to report suspicious activity that I spot.

My checking account at Well 's Fargo Bank should be reported for fradulent activity. Every department has lied to me about procedure 's that should be taken after a report/error is made and also about how transacation 's are posted and deducted from my account balance. My negative balane is incorrect as well as my entire account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian need to remove " ESCALTED REMOVAL / SUPRESSION REQUEST CONFIRMED BY THESE COMPANIES AND IMMDIETALY REMOVAL IS REQUESTED ''. 

Please see attached the screen shot of my account. 

Please remove the following hard inquires immediately from my credit account. Other bureaus have removed updated and these inquires are need to be removed from Experian. These inquiries have been escalated by : XXXX - XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX
Product: Debt collection

I am XXXX XXXX, and I'm submitting this complaint myself, and there is NO THIRD PARTY INVOLVED. 

I, XXXX XXXX, consumer, and natural person, have been a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) that you have the Authority to Decline or Rescind. I assure you the information that I am presenting to you was not blocked in error. No material misrepresentation of the fact has taken place. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized. 

XXXX XXXX # : XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, I received a threatening letter from Midland Credit Management ( XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, CA XXXX ) concerning an old fraudulent situation that was already addressed and resolved in XXXX of XXXX by the Account Protection Team of Comenity Bank after a complaint presented by me years earlier in regards on an inactive account that presented fraudulent activity ( letter with the resolution and apologies provided with this claim ). 
For security reasons, I come directly to you at the Consumer Financial Protection Bureau instead of engaging in any type of communication with the senders.
Product: Debt collection

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT On XXXX of 2022 I looked through my consumer report and noticed an alleged debt by the company XXXX XXXX. Pursuant to 15usc 1692a ( 5 ) the term debt means any obligation or alleged obligation of a consumer to pay money out of a transaction in which the money, property, insurance or services You can not obligate me to pay something that I am not the owner of. You have asked me to show proof that I am not the owner of the debt, but I can say this organization does not have proof that I am the owner of this debt. The proof of the person or organization that has ownership of this debt is the owner of the instrument of indebtedness, which is the contract with the consumers signature of his name. If you can not provide this contract, then I am not the owner of this debt. The organization who has this contract is now the debtor. The reason I asked for my signature is because this organization used my signature as a form of transaction to sell to other third-party XXXX XXXX to profit. This 3rd party debt collector left a receipt of this inquiry ( XXXX XXXX ) on my consumer report to destroy my credit. So, therefore, I am not the owner of this debt. If you can not send me the contract, then by law you have to remove this XXXX XXXX from my consumer report. Do not send me a bill, I am asking for a contract of this debt with my signature. Again, do not send me a bill. Please remove US DEPT OF ED/XXXX, US DEPT . OF EDUCATIO, and USDOE/XXXX  from my consumer report. Failure to comply would leave me no choice but to take legal action against this consumer reporting agency. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed inquiries that are fraudulent. 

XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX