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

I'm writing to communicate my profound concern in regards to a few questioned accounts that remain erroneously recorded on my credit report. In spite of various endeavors to address these mistakes and rehashed demands for an exhaustive examination, there has been no goal or remedial move made to date. 

These wrong records are seriously harming my credit document and fundamentally upsetting my capacity to have an ordinary existence. The negative repercussions of these errors have caused massive difficulties, and I'm left with no decision except for to argue for your nearby help with redressing what is going on. 

I benevolently demand that you direct a careful examination concerning the detailing of every one of these contested records. It is basic that the essential advances are taken to refresh and redress my credit report right away. With your assistance, I desire to reestablish the precision and honesty of my credit document so I might recapture command over my monetary prosperity. 

I genuinely encourage you to offer this matter your most extreme consideration and make a quick move. Your collaboration and backing in settling this issue quickly would be extremely valuable. 

Much obliged to you ahead of time for your comprehension and help.
Product: Credit reporting or other personal consumer reports

CONSUMER XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX to whom it XXXX concern at " XXXX XXXX XXXX XXXX XXXX XXXX  the above addressee... 
I received a copy of my credit report and have found the following items to be in error by the provisions of the Fair Credit Reporting Act I respectfully demand these items to be investigated and removed from my credit report it is my understand and belief that you will recheck these items with the " creditor/agency/corporation '' who posted them Please remove any information that the " creditor/agency/corporation '' can not verify it is to my knowledge that under XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that withing ( XXXX ) days you must complete this re-investigation of the receipt of this notice Please send me an update copy of my credit report to the above address Thank you for your time and help in this matter. 
RESERVATION OF RIGHTS I reserve my right not to be compelled to preform under any contract or commercial agreement that i did not enter into knowingly willingly voluntarily or intentionally and i furthermore do not accept the liability of the compelled benefit of any unrevealed contract or commercial agreement further more the following laws Experian as of XX/XX/year> is being sued due to not properly investigating accounts and improperly reinserting disputed invalid and unverified information on to consumer reports which I Am included and of these actions. 
in this dispute I Challenge Experian for violations in accordance with The CFPB Sues Experian for Sham investigations of Credit Report Errors XX/XX/year> Experian has not properly been investigating my accounts and reinserting them back onto my consumer report/profile XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX challenges the XXXX day response time XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Challenges investigation protocols XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Challenges reinsertion protocols
Product: Credit reporting or other personal consumer reports

I am writing to formally address an ongoing issue regarding fraudulent information on my credit report that I have repeatedly requested to be removed, despite filing an Identity Theft Report with the Federal Trade Commission ( FTC ). Despite following the necessary steps and providing the required documentation, the fraudulent entries remain on my report, causing significant harm to my credit score and financial well-being. 

On [ Insert Date ], I filed an Identity Theft Report with the FTC after discovering fraudulent accounts and activities listed on my XXXX credit report. This report clearly identifies the fraudulent entries, and under the provisions of the Fair Credit Reporting Act ( FCRA ), XXXX is legally obligated to investigate and remove any information resulting from identity theft. 

However, despite submitting the FTC Identity Theft Report and following up on my dispute, these fraudulent items have not been removed, and I continue to see them on my credit report. This ongoing issue has affected my credit score, financial standing, and peace of mind. 

I believe XXXX failure to act in accordance with the law constitutes violations of the following : FCRA Section 605A ( Identity Theft ) : Under 15 U.S.C. 1681c-2, XXXX is required to block any fraudulent information from my credit report within four business days after receiving the FTC Identity Theft Report.

FCRA Section 611 ( Disputes ) : As per 15 U.S.C. 1681i, XXXX must investigate and resolve disputes related to inaccuracies on my credit report within 30 days. The fraudulent information should have been removed as part of this process.

FCRA Section 623 ( Responsibilities of Furnishers ) : XXXX is also responsible for ensuring that inaccurate information from third-party furnishers is not reported. This has not been addressed despite my multiple attempts to resolve the issue. 

The failure to correct my credit report has caused several negative consequences, including damage to my credit score, emotional distress, and financial harm. I request that XXXX immediately remove the fraudulent information from my credit report in compliance with the FTC Identity Theft Report and the FCRA. Furthermore, I request written confirmation that the fraudulent entries have been removed and that the investigation has been completed in accordance with the legal requirements. 

If this matter is not resolved promptly, I will be forced to pursue further legal action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), or seeking legal remedies in court. 

I trust that you will address this issue swiftly and look forward to your prompt response and resolution. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt is not mine this company will not delete this debt off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have information that is inaccurate on my credit report. I sent them letters to dispute the inaccuracies and they have not responded in the time required under FCRA laws.
Product: Student loan

Hello, My name is XXXX and I am currently looking for help and to report some issues I am having with Navient. It's a bit convoluted, but I will try and explain it with an example. I have XXXX loans with Navient right now ( I had more that will need to be looked at, but they were consolidated. ) Out of those XXXX, XXXX are ... wonky. An example is loan XXXX. I took out {$6500.00} and according to their website on the day of disbursement, on the day of said disbursement the amount owed says {$18000.00}. Then, in XXXX, there is a " resale '' on all the loans in question for almost the exact amount of the difference between what I took out and these random numbers. Navient can't explain it. I have tried to get answers from them, but they can't explain it. I am concerned that I have been charged inflated interest since as early as XXXX on some of these loans. I have been recording calls via XXXX  and I have recordings, but right now I am looking for an attorney to help me figure this out, as I truly believe there is something wrong with all of my loans, and if there was a mistake it has inflated my debt to income ratio to at LEAST XXXX and perhaps charged me more interest than I was supposed to be charged. Hiring an attorney would be another serious financial issue. 
I have requested loan paperwork as well to see what the original loan terms are, and they won't email them to me since I live overseas. They will only send them via USPS. They have also changed my address multiple times over the last XXXX weeks, including to XXXX that I haven't lived at since XXXX. 

Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, we attempted to pay for groceries from XXXX. The check was declined by Certegy do to derogatory information. I made contact with Certegy to obtain my report. When I received the report it contained nothing. But they, Certegy or XXXX cant explain why our check was denied.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. Credit Bureaus must validate these items by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I pulled my XXXX credit report today XX/XX/2019 and I applied for American Express plum card on XX/XX/2019 and American Express pull my credit report twice with XXXX  and refuse to remove on of the inquiry and Ive been sending documents and they never responded or return my calls .... and Im asking them to remove the duplicate inquiry off my XXXX  report and its been few months and Ive havent heard from them the application number for the business plum card XXXX and I have the copy of my XXXX report and I also noticed that there was a inquiry back in XX/XX/2019 for a American Express green card and I never applied for it and I received a letter saying it will be removed off my XXXX  but its still remains
Product: Credit card or prepaid card

Can not get my edd money from Bank of America. Most teller machines and all XXXX XXXX county California bank branches closed on XXXX for no reason. Need my cash to pay rent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted several times to rectify my issue with XXXX  and Transunion regarding a collection account that is showing open from collection agency XXXX XXXX account # XXXX with a balanced owed of {$780.00} when in fact it has been paid. I tried contacting the collection agency but all I get is very rude and bad customer service to the point where it up with me hanging up on them. I submitted disputes with XXXX  and Transunion and after receiving their investigation report the problem was not resolved, I ended up calling both companies to speak with a representative and asked why the item was not updated correctly. I advised them that they are required to report accurate information and that if they did fix the problem that I would file a complaint. They stated that they are going off of what the collection agency is telling them and which is correct. I told them absolutely not and that they need to correct this immediately and it's just been very irritating going in circles. I am enclosing documentation to support my dispute.
Product: Credit reporting or other personal consumer reports

This is in regards to a XXXX  account. The exact account will be included in the attached documents. I have contacted the company directly, and they refused to remove or update any of the information. I then contacted each credit bureau and they also refused to take any action. I made a complaint to CFPB regarding the company, the answer that the CFPB gave was that they sent me a letter -the company simply refused to correct or delete any of the incorrect information. I proceeded to submit CFPB cases connected to the credit bureaus lack of action, and pointing out the issues, as well as the companies lack of action. I implore you to review the documents attached, as I have gone in to explicit detail regarding the lack of action in regards to my complaint and disputes. Fast forward nearly two years and the account continues to be inaccurately and unfairly reported to my credit report. I do not have knowledge of this account, first of all. Additionally, because the account is reported differently across all three bureaus the negative impact is varied. This continues to damage to my credit, causing me to suffer with paying higher than average interest rates on my housing, car, and insurance.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts and Addresses were opened fraudulently without my permission or authorization, I demand for them to be removed immediately by law- Credit Cards- XXXX. XXXX XXXX Account # XXXX XXXX XXXX XXXX, XXXX Amount- {$6000.00} XXXX. XXXX Account # - XXXX Open dateXXXX XX/XX/XXXX -Amount- {$2400.00} XXXX. XXXX XXXX Account # - XXXX Open dateXXXX XX/XX/XXXX, XXXX Amount- {$4300.00} XXXX. XXXX XXXX Account # - XXXX Open dateXXXX XX/XX/XXXX, XXXX Amount- $ {$7600.00} XXXX. XXXX XXXX Account # - XXXX Open Date- XX/XX/XXXX, XXXX Amount- {$1000.00} Inquires XXXX. XXXXXXXX XXXX- Inquiry date- XX/XX/XXXX XXXX XXXX- Inquiry Date- XX/XX/XXXX XXXX. XXXX - XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The account number XXXX XXXX Carmax Auto Finance This company took my car without notice. We went to complain because the license plate was being used by someone else. No information was ever sent about the sale of the unit. They didn't let us pick up anything at the time of pick-up. We even lost our work tools. They sold the car and didn't say anything. I've had this on my report for over 7 years. This balance is incorrect.This company took my car without notice. We went to complain because the license plate was being used by someone else. No information was ever sent about the sale of the unit. They didn't let us pick up anything at the time of pick-up. We even lost our work tools. They sold the car and didn't say anything. I've had this on my report for over 7 years. This balance is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

The CAINE WEINER ( Original Creditor : XXXX XXXX ) was never reported on the other credit bureaus which I why I am totally unsatisfied with the result of your investigation. This was all incorrect and not acceptable. I am asking for you to reinvestigate and remove this account accordingly if no valid proof will be presented.
Product: Credit card or prepaid card

SCAM WARNING FOR SENIOR CITIZENS. I received a suspicious phone call about a month ago from a Lowe 's representative inquiring about an online order than had been fulfilled by pickup but did not think anything about it until Monday, XX/XX/2022, when I received two emails from Lowe 's XXXX  AL with an order log of items I had purchased a year ago totaling {$640.00}. One item, a storm door, was listed twice at a price of {$240.00}. I immediately tried calling Lowe 's XXXX, AL and was transferred via Lowe 's customer service, but the phone only rang -- specifically 15 minutes -- with no answer. I then contacted the executive office and no luck. I emailed a message to executive office and received a phone call from them on the XXXX  of Tuesday, XX/XX/2022. I explained the situation and was assured the matter would be resolved. In fact, I demanded the matter be resolved immediately. About ten minutes after the call with corporate, I received a phone call from a local supervisor in XXXX, AL. I relayed the problem of the strange order with items from a year ago. He stated that not only did I receive these bogus orders/bills my Lowe 's credit card had been billed for these bogus items. I smell an inside SCAM which needs to be dealt with at XXXX, AL Lowe 's.
Product: Money transfer, virtual currency, or money service

CoinBase I tried to withdraw XXXX from coinbase to binance. It should be verified within 30 min. However, after several hours, current status in still in pending with 0 verification. I also tried to verify my identity numerous of time during the last several months, so I can withdraw the invested money. However, coinbase failed to verify the information despite all the information had been provided. Now, I would like to transfer everything out of coinbase and close my account. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX opened an account fraudulently under my maiden name in a different state than I live. Despite countless tries to get in touch with the company I have never been able to get in touch with anyone. I have already opened formal disputes with transunion and XXXX and I am awaiting the response, however both companies advised me to contact XXXX directly and I am unable to get in touch with them. From what I have read online this is a new company and they have a history of opening fraudulent accounts.
Product: Credit reporting or other personal consumer reports

My credit report contains unauthorized inquiries that violate 15 USC 1681c-2. These errors are impacting my credit, and I request immediate removal of all such inquiries. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

At XXXX, XX/XX/XXXX, Experian sent an email indicating that someone had changed the email address notification for my credit account. I did not make this change. When I discovered this email, I immediately attempted to login to my Experian account. I discovered that my username has also been changed to an email address that is not mine ( attached image ). Someone has fraudulently accessed my account, changed the email notification address and changed the username. I am unable to login to my account. 
Criminals have taken over my Experian account for the likely purpose of removing my alert/freeze so that my identity can be used to fraudulently secure credit. Fraudulent activity is in process at this moment in time. 
I sent an email back to Experian, indicating this change was fraud. I received an autoresponse that Experian would " aim to respond '' in 2 business days, starting on Monday ( today is Saturday ). There is no phone number on the email to report fraud. 
I searched experian.com and tried for over two hours to reach a human being that could freeze my account or do something to block potential fraud. I dialed three different phone numbers and each time received a robot voice response that was unable to help. Via the robot auto attendant, I attempted to freeze, create a fraud alert, report fraud, talk to a " specialist '', talk to an " agent '' but was unable to reach a human being. The robot said she was only able to transfer me in certain scenarios. Experian.com indicates hours of operation that include Saturday. I used the words " fraud '' and " report identity theft '' and was unable to reach help. The only option was to have her read instruction to use the Experian website that I could no longer log into or learn the mailing address to send a paper request to Experian via the USPS. 
Experian does not have a reasonable way to communicate fraud in action. This means fraud will most likely happen needlessly costing businesses, banks, credit card companies using my identity. This is going to create another mess for me to clean up- likely months filing/following disputes. I was part of a breach in XXXX and ID theft has been a recurring nightmare ever since. 
Experian needs to publish and respond to a communication method that can more timely stop fraud in motion. As a consumer, I am hostage to their lack of urgency and responsible for the damage it causes to my credit. 
Experian needs to create a more robust mechanism to block fraudulent changes to usernames. My unique Experian.com password is written down in a secure place and I have not logged into my own account for months. A criminal element somehow accessed my account and easily changed the username for a prior identity theft victim. There was no confirmation or 2 step authentication.

This is incredibly sloppy and irresponsible on the part of Experian. A better ( 2 factor authentication ) mechanism for change management is the least expensive ( preventative ) solution. At the least, Experian should respond to a consumer report of fraud/identity theft in motion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute to Experian on XX/XX/2018, and it was received on approximately XX/XX/2018. Today XX/XX/2018 I received the attached letter stating that Experian isn't going to be investigating my disputes because I didn't provide information to validate myself. My dispute included a notarized form stating that a notary public verified my ID. Experian is attempting shirk their responsibilities under the FCRA. I am not going to attach my ID for privacy reasons. Please see the attached dispute.
Product: Checking or savings account

Bank accounts opened in my name and using my information to open accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to place a security freeze on all my credit reports due to vast amount of identity theft and wifi spoofing. THis includes 25 phones that were port forwarded by criminal activity within XXXX XXXX XXXX, XXXX and XXXX. The WiFi spoofing started XX/XX/XXXX and data was stolen from my employer which then turned into a significant data breach. The credit agencies indicate that they have put a freeze on my report but when I check with them directly no freeze was initiated. I then reported to the FBI ( with 3 phone calls ) and at their local office they did not receive any such complaint. I am concerned my identity is being used in a malicious attack as at XXXX there was a purchase of the DNA sample and my prescription list provided to an unknown party. I would like the 3 credit agencies to place an immediate freeze on my account as my credit card accounts are being used activity and I have access to the cards. THe cards are being made.