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

To your company I have sent in disputes for these account reporting on my consumer report. The accounts still have inaccuracies in the date of last activity. I have asked to have them deleted for violating the FCRA, BUT THIS DID NOT HAPPEN. ( I am now requesting THE METHOD OF VERIFICATION USED FOR EACH ACCOUNT LISTED IN THIS DISPUTE. ) IF YOU CAN NOT GIVE ME THE METHOD OF VERIFICATION WITHIN THE 15 DAYS ALLOWED, YOU WILL DELETE EACH ACCOUNT LISTED MANDATED UNDER THE FCRA IMMEDIATELY. YOU HAVE 15 DAYS TO DELETE THESE ACCOUNTS OR I WILL BE IMMEDIATELY SEEKING LEGAL REMEDY FOR DAMAGES UNDER THE FCRA. DELETE ( XXXXXXXX XXXX XXXXXXXX ) ( XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTo your company I have sent in disputes for these account reporting on my consumer report. The accounts still have inaccuracies in the payment history. I have asked to have them updated to paid as agreed, paid on time, never late in the payment history. THIS IS A VIOLATION OF THE FCRA. ( I am now requesting THE METHOD OF VERIFICATION USED FOR EACH ACCOUNT LISTED IN THIS DISPUTE. ) IF YOU CAN NOT GIVE ME THE METHOD OF VERIFICATION WITHIN THE 15 DAYS ALLOWED, YOU WILL UPDATE EACH DATE FOR EACH ACCOUNT IN THE PAYMENT HISTORY TO PAID AS AGREED, PAID ON TIME, NEVER LATE. YOU HAVE 15 DAYS TO UPDATE THESE ACCOUNTS OR I WILL BE IMMEDIATELY SEEKING LEGAL REMEDY FOR DAMAGES UNDER THE FCRA. UPDATE TO PAID AS AGREED, PAID ON TIME, NEVER LATE. ( DEPT OF ED ) ( DEPT OF ED )
Product: Consumer Loan

The company XXXX ( AKA Deliber Services ) is reporting to the credit agencys that both companies are servicing the loan. 

Making it appear that I have XXXX loans instead of XXXX. 

My account has been " sold '' between both companies since it was opened. 

The loan terms violated FL state statue in terms of the amount of interest charged during the loan terms. A complain was filed with the Office of the Attorney General. The State of Florida has also filed a Court case pending a decision in the district court of appeals. Case # is XXXX. 

The reporting of the negative information has greatly impacted my credit score and has prevented me from obtaining a mortgage for home. 

Dealing with CashCall/Delibert services in the past has been very difficult. They have employed aggressive and intimidating tracts to service the loan.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My information was leaked in a data breach through XXXX, I am a victim of identity theft therefore causing incorrect accounts and information to report onto my credit report. The information which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I attempted multiple times to have these accounts deleted from my credit report and had no success. 
Experian verified these accounts without proper investigation and identification validation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 XXXX XXXX XXXXXXXX XXXX XXXX XXXX Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX XXXX XXXX XXXX account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX XXXX Secured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
These accounts have resulted in several fraudulent accounts appearing on my consumer FICO credit report. All of the aforementioned accounts, and are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 21 federal student loans that are now consolidated. All 21 loans are listed twice on my credit reports with all 3 agencies. First time with the original servicer ( XXXX, XXXX, or XXXX XXXX ), second time with US DOE, and now as the consolidated loan with XXXX. This appears to lenders that I have more than 42 loans and that 42 were in default. My credit scores range from XXXX due to this inaccurate information. The loans have always been federal student loans and should not be listed multiple times on my credit reports regardless of whether I am in forbearance, default, paid in full, or paying as per contract status. Once a loan transfers from one servicer to the next, the previous servicer must contact the credit bureaus to remove erroneous data. I have attempted to dispute with all 3 credit reporting bureaus and with the student loan ombudsmen. nothing is being corrected. This has to stop immediately!
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 this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This account need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Open Date XX/XX/2021 Balance : {$370.00}
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made.

Enclosed is a copy of my identification to verify my identity.

I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Debt collection

XXXX XXXX is attempting to collect on a debt I do not owe. I did not know that they were trying to collect on this debt until I checked my credit report. This debt is not mine and I demand they provide proof with something baring my signature. I have not received any documentation on this debt. I did not receive my 30 day right to dispute, and it has already been added to my credit report. This is in clear VIOLATION and should not be on my credit report.
Product: Credit reporting or other personal consumer reports

Account name : XXXX XXXX XXXX Dispute of Information Pursuant to 15 U.S. Code 1640A I am writing to formally dispute certain information reported by your organization, as allowed under the provisions of 15 U.S. Code 1640A. I have recently reviewed my credit report and identified discrepancies that I believe require immediate attention and correction.

The inaccuracies I would like to dispute are as follows : [ I need the account name, address, account number & any other documents you can receive. ] I need the account name, address, account number & any other documents you can receive I request that you investigate these discrepancies and correct any errors in my credit report as mandated by the Fair Credit Reporting Act ( FCRA ). Under 15 U.S. Code 1640A, you are required to conduct a reasonable investigation within 30 days of receiving a dispute notice and provide me with the results of your investigation.

Additionally, I would like to request that you notify all credit reporting agencies that have received this erroneous information from your organization so that they can update my credit report accordingly. This step is crucial to ensure that my creditworthiness is accurately represented.

Please acknowledge the receipt of this dispute letter within 5 business days and provide me with a written confirmation of your investigation 's commencement. I can be reached at [ XXXX ] or [ XXXX ] to discuss any further details or provide additional information as needed. 

Failure to comply with the FCRA 's dispute resolution process may result in legal action, as provided for under 15 U.S. Code 1640A.

Thank you for your prompt attention to this matter. I expect a timely and thorough investigation into these discrepancies and the correction of my credit report in accordance with the law.
Product: Money transfer, virtual currency, or money service

I called chase ( I have phone logged and message on secure app ) informed them i was mislead for a product and it was never delivered to me they collected all of my information and documentation and 15 mins later mentioned XXXX only for close family and friends.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries on my credit reports on XX/XX/XXXX and XX/XX/XXXX that do not belong to me I have not approved nor inquired for these accounts. 

WF CRD SVC - Inquiry date : XX/XX/2021XX/XX/XXXX - Inquiry date : XX/XX/2021 XXXX XXXX - Inquiry date : XX/XX/2021 XXXXXX/XX/XXXX- Inquiry date : XX/XX/2021 2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these were CHARGE OFF and COLLECTION accounts on my credit report. This is disappointing because I have been paying Experian.com to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off and collection that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with these accounts listed below, so please help me remove these charge off and collection, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THIS FRAUDULENT ITEM : XXXX XXXX XXXX XXXX CA XXXXI never lived here before. Please delete. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA- This address is not mine. Please remove it asap. 

XXXX XXXX XXXX XXXX and XXXX XXXX XXXX Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau , and the XXXX XXXX XXXX . Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and current Utility Bill as verification of my ONLY address.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In XXXX I owed XXXX to XXXX XXXX XXXX, XXXX  then sold my debt to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX mass XXXX phone number XXXX. on XX/XX/XXXX I made a full payment of what I owed, this payment was made directly to XXXX as seen on documents attached. Once I made this payment I called credit collections services to update my account as paid so this would no longer show up on my credit report, I was told I had to send in proof from XXXX that this payment was made, I contacted XXXX to have them fax over the proof to XXXX this number was given to me by credit collections services. XXXX faxed over the paperwork, weeks go by, but this debit was still showing Up on my credit report, I called credit collections services, they claimed the fax was never sent, I called XXXX again and repeated the process, this whole process of calling credit collections services and XXXX was and has been repeated a total of 8 times now, from XXXX till now, this debt it still on my credit report, credit collections services are still claiming they have not received not one fax, they have claimed to reach out to XXXX   but claim XXXX has not responded. I have faxed over the paperwork myself but credit collections services claim they have not received anything from me. I have disputed this debit on credit karma and they denied my dispute because credit collections services are claiming I have not paid this debit. I have asked credit collections services to call XXXX them-self but they have not done so. I dont know what else to do to get this off my credit report. Credit collections services has also told me that even once they receive proof of payment made they will not back date to when they payment was made, which means it will show up on my credit report that I owed and did not pay off this debit for over a year even though it was only 6 months. I dont know what else to do.
Product: Credit reporting or other personal consumer reports

I sent out a letter on XXXX advising the company to verify the verified accounts that they had on my file and I advised the company they had 15 days to do so and they have failed to send any supporting documents
Product: Credit reporting, credit repair services, or other personal consumer reports

Cap One XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Capitol One there is a hard inquiry on my credit report, I have not applied for any type of credit card from them. I don't know who keeps trying to get credit under my name but it needs to stop. XX/XX/2016 when the pull occurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to get them all to delete my personal information. I don't want anything to do with for profit agencies that sell my information and are subject to massive security breaches. We should have the option to do business with such agencies and the right to consent to them possessing sensitive data.
Product: Credit reporting, credit repair services, or other personal consumer reports

These credit accounts are unauthorized and need to be removed from my credit report immediately.
Product: Credit card

In the XXXX quarter of XX/XX/XXXX, my credit score was impacted adversely due to a medical bill that was reporting adversely in error to the Credit Bureau. This bill was paid in full ; however, the medical provider posted the payment to the wrong account which resulted in the error. During this same time, I made a significant large payment to Citibank. Within days of making the large payment, Citibank reduced my Credit Line from what was over $ XXXX to my revolving balance amount. When I called about the reduction I was told it was due to my FICO. Between the medical bill and the CL reduction, my XXXX decreased over XXXX points. I researched the issue with the Credit Reporting Agencies and found the medical bill error. This was corrected on all XXXX Credit Reporting Agencies by XX/XX/XXXX. My FICO then increased over XXXX points. In XX/XX/XXXX, I had contacted Citibank about restoring the line back to the original limit since the reduction had effected my score as well. I was told that they could not give me a reason why and I would have to wait until I received a letter. I requested to escalate the issue and was told that no one could take my call. This is unacceptable and it is a bank Regulation to provide a reason for adverse action. I am currently making over $ XXXX a year with $ XXXX in income through a XXXX property.I have been actively paying down my accounts in the past year. I think that this treatment is unfair and breaking the Regulations set forth. I wish to have my credit line restored to the original limit with no intention to use, only to improve my credit score. I am in the process of buying a home and this issue is preventing me from obtain the best avaliable option. I have paid my account on time since opening the account over XXXX years ago and I have alway paid the fees associated. Please consider restoring the Credit Line and address the Regulation violation. Thank you!
Product: Payday loan, title loan, personal loan, or advance loan

I received the loan against my car in XX/XX/year>. Ive been paying {$280.00} or {$300.00} a month since then. I cant never get the loan paid down or off because the interest rate is unbearable. They have it at 93 % which is a set up and Id never be able to pay them off. My income recently changed and Im on XXXX. I loss income due to my daughters age. If I miss a payment or late on my payment they are ready to repo the car. I cant afford to keep paying and need a settlement. This type of loan interest is something Ive never heard of before in life. Its almost been 2 years and I still owe the same amount I started with on top of paying on time. Plus when I got the loan they said same day payment. I got the payment late too.
Product: Bank account or service

Scottrade : On page XXXX of the attached draft letter, my son warned your compliance and security department that you were storing security questions in plain text and allowing them to be transmitted via plain text as well. 

I am writing today, considering the recent Scottrade data breach to seek clarification of what items were encrypted and what items were stored in plain text. 

For example, in Scottrade 's notice to security breach victims, Scottrade advised clients to take appropriate security measures such as changing passwords, however, there is no recommendation on changing secondary security questions. 

Because the secondary security questions were stored in plain text, I assume they have been breached, thus, I am curious as to why Scottrade has failed to advise customers to change these questions as well as take additional action such as getting a new account number.