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

I had my legal name change from XXXX XXXX XXXX to XXXX XXXX XXXX at the beginning of XX/XX/2023. I received a paper copy of my credit report from Experian with the name XXXX the first few days of XXXX. A few days later my credit score was gone. It didnt go down. Its gone. I tried contacting them and I either get hung up on by a rep or the phone tree. I have never had a call last longer than 5 minutes. They wont tell me anything going on. They also have no as retaliation reported that I dont live at my address even though I have lived here for almost a year now. I have provided every document they have requested and they still refuse to tell me anything. My bank has contacted them and they have told the bank that I have to contact them and that this is an issue with me but no one will tell me what the issue is and they claim its my bank. I just want my credit score back so I can get a credit card so I can get the surgery I have needed for months. I just want to be able to stay alive. That is it. I have no clue what is going on. I have been harassed by employees who have taken my phone number and called me to harass me while they are off the clock. I have been called slurs. I have tried filling complaints. I have asked for a supervisor to call me back daily for 7 months and have never once gotten a call back regarding any of the issues I have had for the last year. I dont know what to do. I will attach pictures of the report they sent me proving my name change and address and credit score before they messed my credit info up so bad I cant even make an account or request a report with another credit bureau as well as the screenshot of what it shows in my account currently
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 though your company claims to have verified these. 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 Cushman v XXXX, Stevenson v. TRW ( XXXX  ), and Richardson v. Fleet, 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 creditor/CA 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone initially started using first name and social to obtain medical treatment. In the late  XXXX  I had my identification including the social number and driver 's license information compromised. When I saw the damage, this fraudster did I almost passed out. Police did n't even want to help and directed me to government nonprofits to deal with the creditors, and credit bureaus initiated several disputes with  XXXX , Experian, and   XXXX   over the last year for erroneous accounts that are not mine. I '' ve followed every step they 've outlined and that your site has told me to do. Still having issues with some accounts because I guess they want to collect more money from these creditors because they get paid to report negative. If feel like this mistreatment is racially motivated bc of the climate, were in. It 's hurting my family . Below are some do cuments I sent to them on several occasions. It seems they keep accounts/collections on credit reports because the credit bureau will make more money the longer its there. For example, there was a fraudulent account reported from  XXXX   XXXX  which I disputed a few months back, and now it is the second report and for DOUBLE the amount! Instead of  XXXX   XXXX , it 's now  XXXX   XXXX   XXXX   Companies like are  XXXX  ne in the same, but neither one can h elp I think the credit reporting agencies are misleading millions of Americans and me. Thank you for helping  me BI tra vel to New York,  XXXX   XXXX , and  XXXX  at leas t five tim es per year, and rarely check my credit report. Essentially because of my business, I live o n the road. Recently  after pulling my credit, I noticed some fraudulent accounts I did not open. Saw an apartment and some collections and loans. Freaked out when I saw it so I looked and could n't figure out what to do I have been researching the last year to know how to fix th is. Hope thi s yields better success than just calling the collection agencies and bureaus.
Product: Debt collection

They've sent me a resolution agreement letter offering me to pay a lesser amount in order for them to stop harassing me ... ... .Here is the information of the offenders ; When you've fallen behind on payments and your debt is sent to a collections agency, you can end up with a Derogatory Mark on your credit report. This often causes a pretty big drop in your score. Learn more about accounts in collections. 
Between XX/XX/2018 and XX/XX/2018, a new account in collections was added to your report. The collection agency is DEBT REC SOL. The original creditor was XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The report included this language but XXXX is neglecting to process it to the letter of the law. Please see they are held accountable for as these are impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedyand the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there are a possibility these accounts belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. These account ( s ) are unknown to me. Also, the information you provided on these accounts are DELETED from other bureau and I have doubts in their accuracy and the reported payment history on these accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I dated the previous letter I sent to the XXXX and Equifax credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$11000.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, XXXX credit reporting agency , 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 Accounts : XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$10000.00}, XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$3100.00}, XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$2100.00}, XXXX XXXX Account # : XXXXXXXX date opened XX/XX/XXXX Bal. {$2100.00}, XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$1900.00} XXXX XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$1100.00}, XXXX XXXX  Account # XXXX date opened XX/XX/XXXX Bal. {$690.00}, XXXX XXXX XXXX  XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$570.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$490.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX XXXX {$310.00}, XXXX  XXXX  Account # XXXX date opened XX/XX/XXXX Bal. {$280.00}, XXXX Account # XXXX date opened XX/XX/XXXX bal. {$280.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$220.00}, XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$110.00} Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ) 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

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. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( 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 a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

My mother died in XX/XX/2011. She had two mortgages with Ocwen loan servicing. The interest rate is outrageous, 12.5%. I have tried to refinance the mortgages but I can not because I was told it is under an Estate name. I paid off one mortgage. Sent in all documentation, the will, and the estate paperwork. I have sent in the paperwork every time I try to speak with this company about payment, refinance, everything, and each time they pretend like I don't have authorization. I had authorization when they wanted proof of insurance. I had authorization when they want their money. 

The company has since had a name change to PHH mortgage and they are no better. They are practicing the same underhanded mess as Ocwen. Please help me get rid of these people. If you can not get rid of them, please help me make them play fair.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the fraudulent information on my credit report. Upon reviewing my report, I discovered accounts that does not belong to me and is a result of identity theft. These fraudulent accounts have already been removed from the records of other credit bureaus, indicating an inconsistency in your reporting. 

I contacted the bank associated with this account via phone call, and they have confirmed that the following accounts were fraudulent and have removed them from their records following the submission of the required FTC report. Despite this, the accounts remains on my credit report with your bureau. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Credit reporting

THIS COMPLAINTS INVOLVES MY CREDIT SCORE FROM TRANSUNION CREDIT AGENCY. EACH FRIDAY I CHECK MY CREDIT SCORE ON XXXX. ON XXXX XXXX, 2016 MY CREDIT SCORE REPORTED FROM TRANSUNION TO XXXX WAS XXXX. WHEN I CHECK MY SCORE THE FOLLOWING, XXXX XXXX, 2016, MY SCORE HAD FALLEN TO XXXX. 
I CONTACTED TRANSUNION AND THEY INFORMED ME MANY FACTORS PLAY A PART AS TO WHY MY SCORE MAY HAVE CHANGED. I INFORMED THEM THAT NONE OF THOSE FACTORS HAVE ANYTHING TO DO WITH MY SCORE, AS MY OUTSTANDING DEBT TO MY AVAILABLE DEBT RATIO, HAD ONLY CHANGED FROM 26 % TO 30 %. AND THAT SHOULD NOT HAVE AFFECTED MY SCORE SO DRASTICALY. THAY COULD NOT GIVE ME AN ANSWER AND WOULD NOT ALLOW ME TO OPEN A DISPUTE. ANY ASSISTANCE YOU MAY BE ABLE TO HELP ME RESOLVE THIS ISSUE IS GREATLY APPRECIATED. I HAVE WORKED VERY HARD TO GET MY SCORE AS HIGH AS POSSIBLE AND AT ONE POINT HAD 89 % OF MY AVAILABLE CREDIT OUTSTANDING AND HAD THE SAME SCORE AS I CURRENTLY HAVE. MY AVAILABLE CREDIT IS {$9100.00} AND MY CURRENT OUTSTANDING DEBT IS {$2500.00} MY EMAIL ADDRESS TO RESPOND TO THIS COMPLAINT IS REGARDS, XXXX
Product: Credit card or prepaid card

REFERENCE : Barclays Credit Card Case ID : XXXX In XXXX XXXX, I was sent a replacement blouse after contacting the merchant XXXX XXXX XXXX ) and returning the first blouse due to an incorrect size being sent to me. The second blouse was sent to me DEFECTIVE. The package was ripped open and the blouse was badly damaged inside the package. I again reached out to XXXX XXXX Customer Service on XX/XX/2021 and they supplied a return label and told me return the item for a full refund as the item was now sold out. I did this. I used their provided label and returned it via XXXX, tracking number XXXXXXXXXXX This information will all be shown on the screenshot from their website, which is attached. The package was RECEIVED by the merchant on XX/XX/2021. I have been waiting for a credit ever since. I made several calls to the merchant looking for my credit. What I was told every time was that they could not find the package to process the refund, so that was why it was pending. They would also tell me they were backed up processing returns. I filed a dispute with Barclays. The merchant then claimed to Barclays that this item was a final sale -- which is a bogus argument. First and foremost, they took the first blouse back as they had made an error and that is noted on the order page they sent to Barclays which I can also provide. Secondly, the replacement blouse does NOT say final sale, and the merchant provided the return label for me to return it. Lastly the blouse was DEFECTIVE. By sending me a DEFECTIVE blouse, they violated an implied warranty. Specifically, the implied warranty of merchantability and the implied warranty of fitness. Lastly, the merchant still has this blouse. They have never returned it to me. Barclays denied my case. I appealed it. I received a letter today stating that my appeal was denied because " Insufficient proof that the merchant has violated the invoice/contract terms and conditions ''. I have NO ITEM! Prior to returning with MERCHANTS PERMISSION AND LABEL AND PROMISE OF A REFUND I had been sent a badly damaged item which is NOT what I ordered. How is this not a violation of all Invoice contract terms and conditions? Please help me with this
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, from the U.S Department of education, 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 card or prepaid card

I received my credit card bill the other day ( around XX/XX/2018 ). It included an annual fee of {$95.00}. I called to object to the fee. Last year, the same thing happened, and a manager agreed to waive the fee if I spent X amount by a certain date. I did that last year to avoid the fee, but hadn't been billed in year 's past. This year, I called expecting the same result. Instead of agreeing to waive the fee, I was advised they wouldn't do that again this year. 

I left it at that and then spoke with my husband. We both agreed we rarely use this card. We no longer wanted it if we had to pay the fee. When I called and explained this to them, I expected them to do what another credit card company had agreed to do under these circumstances : Let the card lay dormant and not charge the fee. I'm keenly aware of the fact that closing out a card negatively impacts your credit score. Citi explained to me that they have no such practice. They could cancel this card and reissue me another. Again, this impacts my credit score.

This clearly represents a form of extortion on the part of Citi, so I feel a governing body should get involved. They should not be allowed to put consumers in this situation. The credits accumulated go towards everything to do with travel, mainly overseas. I don't do much traveling, and when I do, it's not with XXXX XXXX. We are XXXX XXXX who visit our children and grandkids in Texas via XXXX. 

I don't want their AAdvantage Platinum Select Card. However, more importantly, I don't want them to negatively impact my credit score. This shouldn't be allowed. They should let the card lay dormant and not bill me if I don't use it. This is an unfair business practice in my opinion. 

Should you need to reach me personally, I can be contacted at home at XXXX or on my cell at XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX, Il. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

US bankruptcy court in XXXX XXXX XXXX has wrongfully reported someone else bankruptcy on my credit report who has a similar name as mine. the inaccuracy is showing as a bankruptcy discharged in XX/XX/2011 on my credit and having a negative impact on my credit score. I have submitted documentation from the court to prove that it is not my bankruptcy and experian says that the people who reported the public record shows that it is accurate. which I'm sure the information is correct ... but its on my credit report not theirs. it needs to be removed off my credit report and added to theirs.
Product: Debt collection

received collection notice from Radius Global Solutions LLC. I contacted the original creditor in regards to this. This is an account from 9 years ago with XXXX XXXXXXXX XXXX. I spoke to XXXX at XXXX XXXX during the week of XX/XX/XXXX, XXXX after speaking with the representative at XXXX XXXX XXXX she VERIFIED that there was NO information and that there was no way that this could have been VALIDATED. she also stated that the collection company can not and should not have this due to the fact that there is NO BACK UP to support any collection efforts. In addition, this account is XXXX XXXX XXXX and according to PA Law. It is illegal for collection accounts beyond 7 years. I have repeatedly tried to resolve this issue with this collection company and they have ignored and have repeatedly claimed that this is valid with all XXXX credit bureau for over a year now. This is negatively impacted my credit and I will be filing a claim for damages if necessary to alleviate this issue that it has caused.