23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX To Whom It May Concern : I ( XXXX XXXX ) am writing this letter/email because a great injustice has occurred. I am a social servant. A law abiding citizen who has never been in trouble with the law. On the contrary, I am A XXXX XXXX with an XXXX who has serviced families on the front lines equipping families and individuals to live an optimal life. 
Ironically, I'm attempting to be an example by overcoming many of my own trauma 's one which is being a XXXX XXXX. I was perpetrated against in XX/XX/XXXX. I took my pain and decided to focus on something worthwhile. I decided to get out of that relationship and focus on me so I started to build my credit, complete a first home owners class and started saving for my own home. I had to rebuild myself. 
Things were going according to plan my credit scores began soar from XXXX 's mid XXXX 's. On XX/XX/XXXX I decided to help my scores by paying down my XXXX XXXX and filed a dispute so records would reflect accurately. On XX/XX/XXXX I decided to pay down my XXXX XXXX again and filed a dispute once again so that records would reflect accurately. With each dispute I feel as though I was penalized harshly for doing so. 1st dispute my score took a hit 50 points and 2nd dispute my score took a hit 45 points. ( my points don't even get hit that hard when I max out my credit card, the points taken from me were XXXX ). 
As of XX/XX/XXXX Myfico XXXX score is reflecting XXXX. All my hard work gone, chances of getting home slim to none with such a low score. I have maintained a Fico score of ranging from XXXX since XX/XX/XXXX. I take great pride in paying bills on time and increasing my credit score as I have dreams I'm attempting to pursue. 
Please Assist XXXX is no reason why my score is reflecting at XXXX. My credit report is in error please investigate and make right. I called Equifax and was told that they no longer have FICO scores but Advantage and I was told that they didn't report anything and not sure how or why my points dropped 45 points though My fico transcript reflect that it was in deed Equifax. I am in need of my XXXX points reversed back to me, please help.On XX/XX/XXXX I was disputing the First XXXX XXXX of {$200.00} because I had paid bill down to XXXX on XX/XX/XXXX, by the time dispute was complete XX/XX/XXXX I had made purchases on my card totaling {$100.00} over 10 days dispute was pending .This is in Error I never disputed the {$100.00}, please correct. Again I was Only disputing {$200.00}. I need Justice not a hand out. I work extremely hard and diligently at paying all my bills on time. I shouldn't be penalized for exercising my right to dispute inaccuracies on my credit report. Thank You for your time. Enclosed you will find documentation supporting my case. utilizing their supports. Thank you for assistance in addressing this matter. Sincerely, XXXX XXXX XXXX XXXX
Product: Mortgage

I am reaching out because I lost my home in XXXX as a result of a damaged agreement with my mortgage company. I was behind on some payments, and I entered into an agreement and forms were sent to me, but I was recently married the month prior, and the forms had my old last name on them. When I realized that I couldn't notarize the forms because of my name change, I contacted my mortgage company to ask for new forms with my new last name, and they held my forms until they were able to start foreclosure proceedings. I lost my home, as a result, and I am just now reaching out because I just heard that the practice the company used was illegal and I could've kept my home, creating a damaging and relentless snowball effect on my credit and the ability to secure a new home. 

My outstanding balance was : {$69000.00} My Origination Date was : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is now reporting my mortgage payment deliquent 30 days and trying to ruin my credit. We have never been 30 days late. The mortgage for XXXX and XXXX was paid totaling in amount of {$4500.00} on XX/XX/22 by XXXX XXXX XXXX  ohio hafs program. XXXX knows I was approved for XXXX assistance through the XXXX XXXX XXXX XXXX  Ohio program. The money was sent to pay my mortgage in a timely manner but XXXX XXXX has not even added the money to my account. Now they are putting deliquent on my husband and my credit report. I never get anywhere talking to XXXX. No one knows what's going on and they do nothing to help their clients.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of 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 receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as XXXX 's XXXX date breach. I submitted all the required documents per XXXX and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of 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 receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as XXXX 's XXXX date breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXDate Opened : XX/XX/year> Balance Owed : {$5300.00} Collection
Product: Debt collection

A collections showed up on my credit report for {$1600.00} from XXXX . Ive never had a XXXX account. Ive had the same cell service for 15 years and never change numbers. I called and they say they cant give me any information about the account because I dont have my pin. I let them know this was a fact fraudulent account, and I dont have a pin created, nor a way to access for one. They said to go to a store verify with my license and they could give me an account information. I did that all they could tell me was that there was an account opened up for two different phone lines in my name and no other account information unable to give me a date or location where in account was opened. I repeatedly told him this is not my account and ask for the fraud department, and they were unable to provide any info to me or the project apartment number or anything to me.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : XXXX XXXX XXXX Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize any and all of the listed credit inquiries below, I respectfully ask for all of them to be Deleted from all three of credit reporting agencies. 
XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation 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 Equifax, alleging systemic issues such as failing 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 Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

2nd attempt : Although I have tried multiple attempts to resolve this issue with Experian via telephone, they continuously refuse to adhere to the FCRA rules and regulations. Experian also refuses to provide me with a Method of Verification that they used to determine both the validity and accuracy of the item ( s ) that that is required by law, pursuant to 611. Procedure in case of disputed accuracy ( 15 U.S.C. 1681i ). Therefore, Experian are in violation for both their willful and negligent non-compliance according to 616. Civil liability for willful noncompliance ( 15 U.S.C. 1681n ) and 616. Civil liability for negligent noncompliance ( 15 U.S.C. 1681o ). These are some but not all of the violations that were committed by Experian ; yet, the remaining violations are listed in my attached documents. Furthermore, due to the severity of this violation I will also be filing complaints with the FTC, BBB and the Attorney General 's Office.
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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : Account name : XXXX Account XXXX : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX  Account number XXXX XXXX Account XXXX : XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit card

Account opened without my knowledge, I never applied for credit. Disputed amount {$130.00}.
Product: Vehicle loan or lease

I called and emailed this company several times to work out payment arrangement with no response or denial ir repossession threats I been XXXX  and XXXX XXXX XXXX just recently been XXXX XXXX XXXX and have trouble trying to catch all my bills up I made a {$250.00} payment to them on the XX/XX/24 I explained to them my situation the just took the payment and say ok that was it I have all the emails sent to them as proof
Product: Credit reporting or other personal consumer reports

This is my XXXX  request 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX Balance Owed : {$7600.00} XXXX XXXX XXXX XXXX Balance Owed : {$5500.00} XXXX XXXX XXXX Balance Owed : {$440.00}
Product: Debt collection

I received numerous calls from XXXX ( XXXX XXXX XXXX. I decided to call them back because it was frequent. Normally, robocalls are not repeated from the same numbers. 
- said they are from Credence Resource Management - he asked for my name - kept asking me to repeat myself. Couldnt hear me - Asked for my address and then my prior address - asked for my last 4 - told me it was an attempt to collect debt in XXXX. I told him I never had them. He told me it could be mistaken identity. 
- he wanted to ask more questions and I got suspicious - I asked him if the call was being recorded. He said yes. I told him he never mentioned that from the start. 
- I told him I think they are a fraudulent organization and hung up
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report  because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX  XXXX  XXXX  ACCOUNT NUMBER : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX Account # XXXX and # 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts on my credit reports that is a result of identity theft. I have disputed these fraudulent accounts with the credit buearus several times and they still wont resolve this issue
Product: Debt collection

I have initiated a previous dispute with CFPB concerning XXXX XXXX XXXX   placing a collection account on my XXXX and XXXX credit reports. I recently sent XXXX XXXX XXXX another letter asking for validation of the alleged debt amounting to {$360.00}. XXXX XXXX XXXX did not provide any documents or evidence to validate the account, but instead asked me to sign a consent to release information and reports that I have been identified as the consumer on the account. This company kept this account on my XXXX and XXXX credit reports despite providing proper validation of this debt, but instead of verifying ( identifying ) the debt. Again, XXXX XXXX XXXX did not provide any documents or evidence to validate the account, but instead kept the account on my credit reports AND asked me to sign a consent to release information. Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt, therefore I am requesting that you investigate this matter and delete this account from my XXXX and XXXX credit reports or provide me with PHYSICAL PROOF, such as a signed legal binding contract of the debt. I have attached XXXX XXXX XXXX XXXX response to my letter requesting validation of the debt, in which they requested I sign a consent to release information. Your immediate response will be greatly appreciated.
Product: Debt collection

Debt collectors working on behalf of Commenity Bank servicing my Victoria Secret Store Credit card would call daily to collect on the balance owed. I did not receive a statement prior to any of the calls and when called they failed to 1. Properly verify my identity. 2. Failed to abide by FDCPA guidelines advising they were calling to collect a debt and any information would be used for that purpose. 3. Always called from varying phone numbers or " unavailable '' numbers which I believe is also against TCPA guidance. 4. Never advised if the call was being recorded or not. 

Calls were received on the following dates : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  There are additional dates but the calls would show as " SPAM '' and did not show up on my phone log from my cell provider.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I discovered that my personal information had been part of a data breach. I decided to lock my credit file with the XXXX credit bureaus. I was able to do this for free with XXXX and XXXX. TransUnion demanded that I pay for their credit monitoring services. I complied even though I already pay for monitoring through XXXX. Once I signed up, I was barraged with e-mails daily seeking for me to purchase more services with them. What is worse is that every time I receive an e-mail from them that activity related to my personal information has been detected in the dark web, I am not able to access this information. Instead, I log in, and then I am directed to more products to purchase. XXXX, has never made me go through these hoops. They e-mail me, and I am able to see the information very easily. No ploys to direct me through a Byzantine and difficult website in order to coerce me into buying new products. I feel I have been scammed, when I am simply trying to protect myself. It is incredibly frustrating, and I feel the CFPB should be aware of their practices.
Product: Debt collection

Jefferson capital systems inaccurately reported on my credit profile that I owe {$800.00} on an account that doesnt belong to me Date : XX/XX/2022