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

On XXXX XXXX XXXX XXXX filed a Loss statement with the IRS, stating that they discharged my debt of {$11000.00}. and were taking a LOSS, thus REDUCING their tax burden for 2021. 

Conversely, I paid income tax on the GAIN of {$11000.00}. 

After they have done this, it is illegal for them to take any payments from the consumer. 

Thus, when I contacted them, they REFUSED to take payment. 

Thus, according to the Fair Credit Reporting Act, it is not legal for any of the three credit bureaus to report this account as having a balance. The debt has been DISCHARGED ; thus, it can not be paid, and it can not be reported. 

Both Equifax and XXXX are each reporting a balance of {$15000.00}. ( Principal of {$11000.00} plus interest )
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi there are a few credit inquiries I just noticed on my credit report that don't belong on my report they are fraud and I am a victim of identity theft so please remove they as I am including a copy of my police report. This has been an ongoing problem I am working with police so that I can get justice. Here is a list of what I want removed as it is fraud XX/XX/2016 XXXX/XXXX
Product: Mortgage

I am apply for a loan with Loan Depot through a company called XXXX. My financial situation is very complex and I have been asked for documents for the XXXX XXXX I own and I have emailed the LO and UW the documents and they are not willing to accpet emails or read the doucments I have set this.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$280.00} Open Date XXXX XXXX, XXXX XXXX, XXXX XXXX {$1800.00} Open Date XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent a letter on XX/XX/2021 and sent another letter on XX/XX/2021 in regards to the first letter where I received no results or any certified copy of proof of debt.
Product: Credit card or prepaid card

On XX/XX/2023 I purchased a year subscription on XXXX XXXX XXXX XXXX for {$32.00}. It was an AI app to use the premium features. After purchasing it kept asking to make another same payment. I thought my original payment never went through thats why I could not access the service. I checked the next day and I see the charge on my account so I again tried to log in and use the service and same thing it asked me to make a {$32.00} for the year subscription. I tried to contact the app customer service to resolve the issue but I never got a response. So I contacted the credit card company Capital One and reported the issue and asked to reverse the charge since I never used the app nor received any response from the app to refund my charge. I received the credit back on my card however, End of XXXX they reapplied the charge back to my account for a service I never received and the vendor will not respond. The case number filed with Capital One is XXXX. I do not know what to do since Capital One reapplied the fee and the vendor is none responsive and for a service I never received and have no access to. I followed the instructions on the dispute letter and never got a response from Capital One. I mailed the response per instruction, sometime in XXXX, I do not have a fax which was another option. I do not know why they make it so difficult.
Product: Credit reporting

I received an alert from XXXX indicating Clarity Services pulled a copy of my credit report on XXXX/XXXX/XXXX. I have not been pursing any type of financing and have no idea who these people are.I want this hard pull inquiry removed asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to find out how some of this information came to be on my credit report. It is a public record, that should be removed. Experian is whom I have repeated mailed letters to but nothing in regards to this has been done yet. 

Date : XX/XX/2021, XX/XX/2021, XX/XX/2021
Product: Money transfer, virtual currency, or money service

XXXX XX/XX/2013 received a call from a person who identified himself as a representative from Wells Fargo Bank Fraud Department. He then explained to me that my bank account had beed hacked and the only way to find these individuals that I will need to go to my local Wells Fargo Bank and request a wire transfer to 2 separate accounts, one for XXXX and the other for XXXX, and I did as instructed. The next money I was heading to the XXXX to see my wife and while on the plane I realized that I had made a big mistake. Because of a time difference of XXXX hours, I tried several times to contact my bank and after 3 days I finally got through and I explained to the bank manager that I was scammed. He then told me that he will initiate a " Will Call '' to contact the two banks XXXX XXXX XXXX and XXXX XXXX Bank to cancel but after several attempts the money had already been collected. I even tried contacting the two banks myself but they couldn't release information to me. I've reported this incident to my local police agency and FBI but to this day I'm at a loss... 

Request your assistance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I ask the company for validation not verification it seems to me they do not have the information I requested from them
Product: Debt collection

I never had XXXX XXXX or XXXX ; the creditor who claims I owe {$460.00} and have reported to my credit as a collection. I disputed with credit bureaus in XX/XX/2017 and the result came back verified as accurate. Please help remove these items from my credit report. I don't know how the result came back verified-accurate being that I have never had any service with the creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello CFPB, This is my second complaint against the credit reporting agency that keeps allowing collections to show on my credit report. The last two letters I 've sent the bureaus detailed what happened and included all of the necessary documents to handle the matter on their end. XXXX made multiple attempts to get this fraud case complete ad never with.
Product: Mortgage

I was impacted by 2 CA wildfire national disasters, one in XX/XX/XXXX & XX/XX/XXXX. I have been requesting disaster assistance but have not been told I can not apply for disaster assistance, but to apply for a modification. I was told that if I submit all the documents, my sale date would be postponed while my documents are reviewed. I submitted all te documents within the time frame-but the sale date has not been delayed & I have not been able to discuss my options with a representative. I am also concerned bc of a transfer date error by caliber, which caused delays in my obtaining assistance from the correct servicer, please see attached documents, since my loan was transferred during the disaster.
Product: Credit reporting or other personal consumer reports

Dear Equifax, I am writing to formally dispute an unauthorized credit inquiry that appears on my credit report. I have reviewed my credit file and have identified an inquiry that was made without my consent. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, a credit reporting agency is only authorized to include an inquiry on my credit report if I have granted permission for such an inquiry to be made. XXXX XXXX XXXX identified below, was not authorized by me and is therefore in violation of my rights under the FCRA. 

Details of the Unauthorized Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove this unauthorized inquiry from my credit report within four ( 4 ) business days, as required by the FCRA. If you fail to do so, I will have no choice but to escalate this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and/or seek legal remedies. 

Thank you for your immediate attention to this matter. I look forward to your prompt response and confirmation that the unauthorized inquiry has been removed from my credit file. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute incorrect information on my Experian credit report, which I initially brought to Experian 's attention on XX/XX/XXXX. Despite the considerable time that has passed, I have not received any response from Experian regarding this matter. I am providing the details of the inaccurate information and the required corrections as follows : Incorrect Account : XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$390.00} This account does not belong to me. Please remove it from my credit report. 

Incorrect Account : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Credit Limit XXXX {$0.00} This account is not mine. Please remove it from my credit report. 

Incorrect Account : COLLECTION Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$420.00} This account does not belong to me. Please remove it from my credit report.
Product: Checking or savings account

A total of XXXX $ was taken from my chime checking account and was transferred to an unknown account. I have made a dispute and was denied for no reason this was all the money in my account and I need to take this further to seek compensation.
Product: Credit reporting or other personal consumer reports

I am writing to contest the inclusion of a fraudulent account on my credit report, as provided by your bureau and I am disputing this fraudulent information. Upon a recent examination of my credit report, I uncovered unauthorized account that I firmly believe to be the result of identity theft. It is distressing to me, as the victim, that you appears to be non-compliant with established laws and regulations.I find it perplexing that while other bureaus have promptly addressed my requests, your bureau seems to disregard them. I am requesting written confirmation of the completion of your investigation and the removal of the fraudulent account from my credit report. Furthermore, I ask for an updated credit report reflecting the necessary corrections. 

XXXX BANK XXXX. XXXX
Product: Mortgage

Requested clarity regarding the process to remove PMI, it's been a few months and they did not provide clarity beyond " pay us a fee and we choose the assessor ''. As someone who as a mortgage with this company, I should have the right to fully understand the process to evaluate ( and subsequently remove ) PMI.
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 Bankruptcy, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX  XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX  XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX   Account XXXX XXXX, has violated my rights. 
XXXX Account XXXX XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX Account # 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: Credit reporting or other personal consumer reports

I am writing to address several concerns with the credit bureau, including incorrect account listings, unfamiliar collections, unauthorized inquiries, inaccurate credit reporting, and billing errors. I am requesting assistance in resolving these issues to protect my financial well-being.
Product: Debt collection

Have been receiving phone calls, followed by letters from ALDOUS & ASSOCIATES , PLLC XXXX XXXX XXXX XXXX, UT XXXX since 2021. It is for a gym that closed during pandemic, but this debt collector is claiming owed funds and sent a contract with forged signatures and initials, unknown bank account and incorrect birthday. Phone number XXXX on letter is not working. Have spoken with them on phone, returned emails with evidence, and sent copy of fraud investigation but still harassing as if nit received/do n't care
Product: Credit reporting or other personal consumer reports

Equifax continues to report an account listed as XXXXXXXX XXXX  incorrectly. There are several late payments that are not accurate. I have previously disputed these late payments and Equifax claimed to have verified this information I am requesting the method of verification in which it was verified. This is my final attempt at resolving this without legal action. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Credit reporting or other personal consumer reports

EXPERIAN HAS FALIED TO FULFILL ITS LEGAL OBLIGATION UNDER THE FAIR CREDIT REPORTING ACT [ FCRA ] TO CONDUCT A REASONABLE REINVESTIGATION OF DISPUTE INFORMATION ON MY CREDIT RPORT LEAVING INACCURATE INFORMATION OR UNVERIFIABLE ACCOUNTS UNRESOLVED THE CFPB HAS RECECNTLY FILED A LAWSUIT AGAINST EXPERIAN ALLEGING SYSTEMIC ISSUES SUCH AS FAILING TO FORWARD CONSUMER PROVIDEDEVIDENCE TO FURNISHERS ACCEPTING UNRELIALE RESPONSES AND FAILING TO ADEQUATLEY NOTIFY CONSUMER OF DISPUTE OUTCOMES THESE FAILURES ALIGN WITH MY EXPERIENCE WHERE EXPERIENCE WHERE EXPERIAN HAS NEITHER CORRECTED NOR REMOVED DISPUTED ITEMA DESPITE THE EVIDENCE I PROVIDED CAUSING HARM TO MY CREDIT STANDING I AM REQUESTING IMMEDIATE CORRECTIVE ACTION TO REMOVEOR AMEND THE DISPUTE ACCOUNTS AS EXPERIAMS INACTION VIOLATES FEDERAL LAW AND MT RIGHTSAS A CONSUMER
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. Thank you. 
XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

I will keep on refilling this to complaint to EQUIFAX about the unauthorized inquiries on my credit document that isn't genuinely agreeable, demonstrated legitimate, or reported as completely non-permissible and a result of Identity theft. My address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX, and I go by XXXX XXXX XXXX. My birthdate is XX/XX/year>. I have noticed likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. The FTC report numbers related to this complaint is XXXX. As a customer, I'm qualified for request or potentially constrain you to eliminate them when conceivable inside my government and state customer or potentially social equality. I am filing this consumer complaint and conducting a consumer check to ensure compliance with XXXX XXXX XXXX Section for the particular items you are reporting. XXXX that unambiguously obliges a depicted of the modus. This is a legitimate inquiry of information and declaring.
Product: Student loan

Approximately XXXXI received this loan through XXXX  XXXX back and returned it. Over the years I went to school and didn't realize this was a loan that was added into my other loans that I returned. I never went to the school. I filled for bankruptcy in hopes all my bills along with " it '' would go away shortly after bankruptcy was settled AES began contacting me again, Now attempting to purchase a home I was advised there was nothing I could do and to just pay it as I did. Now I am being told that this company XXXX XXXX XXXX has had several law suites. I have called and received no help or feedback. and I am looking to be relived of this debt I never used or went to school for. I can prove I never went to the school associated with this loan and attended school where I received financial aid over four years later. HELP
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 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 by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3000.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Balance : {$3000.00} XXXX XXXX Balance : {$100.00} XXXX XXXX Bankruptcy Date XXXX : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my updated report, the accounts listed below are still showing on my credit report. I have already sent out letters to Bureau for them to verify and investigate those accounts. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681iwithin the time declared by law and continued reporting of unconfirmedinformation which now, given all my attempts to address it directly with theBureau, as willful negligence and non-compliance with federal statutes. Pleaseremove the following accounts completely from my Credit Reports : XXXX XXXX XXXX ( Original Creditor : MEDICAL ) XXXX Balance : {$230.00} XXXXXXXX XXXX XXXX Balance : {$1600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XX/XX/XXXX I successfully established credit freezes with the XXXX and XXXX credit reporting agencies. I attempted to do the same thing with Equifax and after completing their online procedure I was told " We are having difficulty verifying your identity ''. I was given the option of waiting for a mailed response or calling and I chose the latter. The Equifax agent then requested my name, Social Security Number, mailing address, phone number, and date of birth. I was somewhat reluctant to comply with these requests but did give the information. That turned out to be insufficient. The agent then wanted to know if I had a mortgage. I do not. She then asked if I had had a mortgage and with which bank. I did and the balance is XXXX. Thereafter she asked for a complete list of all current credit cards and balances and monthly payments at which point I lost patience. She said it was simply company policy to demand all this. I fail to understand why I should have to give more information than I had already given to determine who I am and what was wrong with the credit freeze process for this single reporting agency. I was already extremely unhappy about sharing such a lengthy and complete list of detailed personal information with a stranger on the other end of a phone call. Amongst the disturbing questions asked was the following : " Our records indicate that you may have applied for an auto loan or lease in XX/XX/XXXX. With which of the following banks did you have such a loan? '' I had made no such application and had no such loan! 

I hope that the CFPB can help me obtain a credit freeze with this agency and determine what obstruction Equifax imagines stands in the way of this transaction.