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

I am writing to formally address the ongoing issues with my credit reports and request immediate intervention. My Social Security number was stolen during the XXXX  XXXX data breach, which I confirmed through their official website. Since then, I have repeatedly discovered incorrect names, Social Security numbers, addresses, and phone numbers on my credit reports, indicating fraudulent activity. 

I have made multiple attempts to work with the CFPB and the credit reporting agencies to resolve these discrepancies, yet the inaccurate information remains on my credit file. Despite submitting documentation proving my identity, the credit bureaus continue to report incorrect personal details and accounts that do not belong to me. The CFPB has previously responded by stating that the credit bureaus have verified my information ; however, their verification process has failed to remove fraudulent data that does not match my legal identification. 

This ongoing issue has significantly impacted my financial standing and caused undue hardship. I am once again requesting that the CFPB take direct action to ensure that these fraudulent accounts and false information are permanently removed from my credit reports. Additionally, I would like to understand why, after multiple disputes, these errors have not been corrected. 

I have attached supporting documentation, including my credit reports, identification, and previous correspondence with the CFPB and credit bureaus, for your review. I urge the CFPB to hold these agencies accountable and to assist me in restoring the accuracy of my credit file. 

Thank you for your immediate attention to this matter. Please provide me with an update on the necessary next steps to fully resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint ID XXXX Equifax closed my complaint stating that the items were verified. These alleged late payments do not belong to me and I am demanding a description of the procedures that were used to verify such alleged late payments pursuant to 15 USC 1681i ( A ) ( XXXX ) ( B ) ( XXXX ). Failure to provide me with such, these alleged late payments must be updated to paid as agreed on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX. The following personal information is incorrect Account XXXX : PREVIOUS ADDRESS : XX/XX/2022 XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXX of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXXXXXX XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report.
Product: Student loan

the interest rate on this loan is almost 9 %, I borrowed $ XXXX and now i owe $ XXXX. i pay XXXX in payments each year and it doesnt even cover the interest, the loan goes up every single year. 

they talked me into forebearance for so many years that the loan has tripled. this is just not right, this has to be criminal. i will be dead before i pay this back and now i have lost my job so i have to freeze the payments again, i will owe almost 250k by this time next year in interest on a XXXX loan!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint os regarding a letter I mailed to tram-union company on   XX/XX/XXXX   In the letter i disputed a very old account that contains concerning information which is not correct and is affecting my credit report and score.
I disputed the accuracy of   XXXX   XXXX    #  XXXX  This item is showing wring information and has negative items attached to it affecting me. This item was in violation of FDCPA laws back in  XXXX  and it reappeared on my credit report under  XXXX . I had settled this amount man many years prior and it was illegally re aged and reappeared under a different account on my credit report. I have never owed this company and when i wrote trans-union about its accuracy and why it is appearing on my credit report I did not hear back from them regarding it and I have been waiting for a long time for it to be deleted. This company has harassed me and I would like them to stop.
Product: Mortgage

I sent over divorce decree and death certificate XX/XX/XXXX and was expecting to receive new documents with my name only not sure why his name was listed the loan and home was purchased as separate property and in my name only.
Product: Credit reporting, credit repair services, or other personal consumer reports

I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you.

Inquiry XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My ex-live in girlfriend/office manager fraudulently opened accounts in my name. I submitted an Identity Theft Victim 's Complaint and Affidavit report with a demand for a copy of the application. I have been ignored.
Product: Student loan

I received a letter from XXXX XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX indicating that I was required to reapply for Income-Based Repayment. The letter stated " We must receive your application by XXXX/XXXX/XXXX. If we do not receive your application within 10 days of this date, payment will increase.... '' The letter does not specify whether the 10-day period includes weekends. 

I resubmitted my application for Income-Based Repayment on XXXX XXXX, XXXX, within 10 days of XXXX/XXXX/XXXX ( including a weekend period ). However, XXXX informed me by phone on XXXX/XXXX/XXXX that it would not honor the terms of its prior letter and was increasing my payment for XXXX XXXX. The company explained that it had received my application and recalculated my payments but that it would not apply the income-based repayment amount to the month of XXXX. It further informed me that the only method of relief from the substantially higher XXXX payment was to apply for a forbearance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian will not actually investigate the validity of an account that I have disputed from XXXX XXXX XXXX
Product: Checking or savings account

XX/XX/2020 I called to received statements from PNC, which I been an account holder for 4 yrs plus. Spoke to a very nice representative she verified my address never mention it would be a charge for them to send me out statements for {$210.00}. My account was in the negative at the time when I made this call, so I didn't have the XXXX for the representative to even charge my account, which made my account in the negative and also dealing with another dispute with PNC with another merchant taking money out of my account anyways. The representative should have seen that my account was in the negative and in escalation from a dispute and didn't have the money to charge for the statements. So she took money I never had and didn't make me aware of the amount of the fee. So basically she charge my account without making me aware and took money that was not even in my account to take. 
I called to speak to a supervisor, I spoke to XXXX XXXX he denied and stated that its in the paperwork when I open up my account that its a charge. Then I spoke with a manager XXXX XXXX, she stated she would have asked to see if it was a charge. PNC is not understanding to be able to charge someones account rather you are the bank or just the merchant you have to authorize the amount and also have the amount to charge I did'nt even have the money to take.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the repeated unsuccessful attempts to remove a charge-off account from my credit report. Despite my persistent efforts to address this issue, the charge-off entry remains unjustly impacting my creditworthiness and financial standing. 

I have made multiple attempts to dispute and remove the charge-off account from my credit report. Each time, I have provided extensive documentation and evidence to demonstrate that the charge-off status is inaccurate and should be rectified immediately. However, to my disappointment, my efforts have been met with continuous denials and refusals to remove the charge-off entry. 

The presence of this inaccurate charge-off account has had detrimental effects on my financial well-being. It has unfairly tarnished my credit history, making it difficult to obtain credit, secure loans, and access financial services. Furthermore, it has caused significant stress and frustration as I continue to navigate through the dispute process without resolution. 

I urge your agency to take immediate action to address this matter. Specifically, I request that : The charge-off account be thoroughly reviewed and promptly removed from my credit report. 
A comprehensive investigation be conducted into the handling of my dispute, including an examination of why the evidence provided was not considered in previous reviews. 
Clear and transparent communication be provided regarding the steps taken to address my complaint and the measures implemented to prevent similar inaccuracies from occurring in the future. 
I expect a prompt and satisfactory resolution to this matter within the exact time frame of the receipt of this letter. Failure to do so will leave me with no choice but to escalate this complaint to the appropriate regulatory authorities and pursue legal action to protect my rights as a consumer. With this, I am asking for your assisstance to remove this accounts in my credit file : XXXX XXXX XXXX XXXX Balance : {$3800.00} - Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was paid as Agreed and I never missed a payment. Please update it immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several accounts on my credit report are fragluent and should be removed immediately. I have completed several documents to provide support for my claim. I provided the FTC to show that these accounts don't belong to me and then I also completed CFPB that received no response. According to the law to protect consumers, after the investigation the documents are supposed to be provided to the consumer, me. The accounts in question are XXXX XXXX and XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. First off the results of the investigation were never shared with me. Secondly the production of a wet signature was provided. 

The claims that were not responded to with document are as follows : XXXX & XXXX American thrift & finance XXXX & XXXX XXXX XXXX XXXX XXXX - XXXX  XXXX XXXX XXXX Attached are documents to support my claim
Product: Credit reporting or other personal consumer reports

OnXX/XX/23 i requested that Equifax show proof of the information that was used to verify whether or not negative accounts on my report in question belong to myself. Equifax replied by sending my a letter stating they verified the information as being accurate. However, they never included the evidence that shows they verified the account. I then sent a follow up letter on XX/XX/ and just like the first letter it was just a repeat with no proof and nothing that i requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to Equifax, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 38 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Credit reporting or other personal consumer reports

Inaccurate Personal Information Reporting Violation of FCRA 1681e ( b ) I am submitting a complaint regarding inconsistencies in the personal information listed across credit bureaus. 
XXXX lists my address as XXXX XXXX AV, XXXX, MO XXXX. 
Experian an unknown address of XXXX XXXX XXXX XXXX XXXX, MO XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of inquiry issue by TransUnion credit bureau. Multiple attempts to contact the bureau regarding this situation were not helpful. The bureau did not help to take care of the negative inquiries that were reported to my credit card report. 
The inquiries I would kindly ask you to remove from my account are the following : XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX  Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX
Product: Mortgage

Loan restructured under XXXX in XXXX with XXXX XXXX  XXXX. 

In XXXX of XXXX, I was informed by XXXX XXXX XXXX that my loan was being transferred to Select Portfolio Services as of XXXX of XXXX. XXXX  XXXX XXXX advised me that the terms and restructuring of my loan would not change only the servicer as they will continue to be the loan originators. 

In XXXX of XXXX, I began making my monthly payments in the amount of {$1600.00} directly to Select Portfolio. 

After five months of consecutive payments, I received a notice in XXXX of XXXX that Select Portfolio was adding PMI to my mortgage payment. 

On XX/XX/XXXX, I emailed Select Portfolio at XXXX to advise them on my legal rights and let them know my loan does NOT require PMI in the State of Georgia or based on the loans balance. 

Select Portfolio to my request for the removal of the PMI with the threat and removal of my escrow account. 

On XX/XX/XXXX, I emailed Select Portfolio and requested that my loan be returned to the status at which it was acquired from XXXX XXXX XXXX. 

Select Portfolio moved forward with their threat by removing my escrow accounts, during the months of XXXX and XXXX and setting my new monthly payments to {$1900.00} in XX/XX/XXXX. This amount included a mortgage shortfall account being added to the account. 

During the months of XXXX and XXXX of XXXX, I paid the full amount of my mortgage to include escrow, with the payments each totaling $ XXXXWhen making the payments online, I designated the specific required dollar amount to be deposited into the escrow account. 

Select Portfolio did NOT deposit those funds for the Months of XXXX or XXXX of XXXX to the escrow account. This was done to give my account the appearance of having a escrow shortfall and to increase my monthly payments to {$1900.00} thus forcing me to possible refinance or foreclosure. 

In XX/XX/XXXX, I receive a statement from Select Portfolio with no reporting of the escrow payments made in XXXX and XXXX of XXXX. 

On XX/XX/XXXX, I reached out to XXXX  XXXX XXXX the loan originator to report Select Portfolio for misallocation of funds and fraud. XXXX XXXX  XXXX XXXX quickly responded my mailing out a copy of my note and a reporting of all transactions from XXXX. 

Select Portfolio responded by placing negative/false information on my XXXX credit report. 

My request is to have my monthly note returned to the amount of {$1600.00}, which is the acquisition amount from XXXX of XXXX. 

My request is to have my account audited and reviewed for any and all misallocation of funds, fraud and abuse by Select Portfolio Recovery.

My request is to have Select Portfolio Recovery brought up on charges of Tax Fraud and Regulatory abuse charges for the removal of my escrow account.
Product: Credit reporting or other personal consumer reports

I applied For a House to Rent & Was Denied I Checked my Credit report & Notice Fraudulent activities on my account. 
I Have XXXX Hard Inquiries that I never committed I Called XXXX XXXX to dispute all inquiries they encourage me to filed out this Form These are the XXXX inquiries Im disputing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Yes I contacted all companies as well they inform me they will look into it, I just Need these Inquiries removed off my Credit thanks
Product: Debt collection

XXXX XXXX made a mistake reporting my account to Amsher Collection Service. Me and a XXXX XXXX representative also spoke with the supervisor at Amsher and was told that she ( amsher representative ) would not resolve the issue. She stated that she will only update the account as paid/ resolved. I was never notified or contacted by the collection agency or XXXX XXXX about this collection. They took it upon themselves to report it without doing a proper investigation. All XXXX XXXX representatives stated that It was an error on XXXX XXXX XXXXs behalf and I was unaware of the discrepancy until I saw it on my report.
Product: Credit reporting or other personal consumer reports

Remove these inquiries, please. I am not familiar with them, and the company did so without asking me.
Product: Debt collection

I checked my credit report today and it showed this medical debt for an ambulance I took. I do not even remember using this ambulance and never received information about this debt it just suddenly appeared like a shadow on my report. The company never contacted me or spoke with me before putting it in collections it just arrived on my report like some shadow.
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill their 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 or removed the item despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed account as Equifax inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) Bureau 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, not later than XXXX business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( XXXX ) Appropriate proof of the identity of the consumer ; ( XXXX ) A copy of an identity theft report ; ( XXXX ) The identification of such information by the consumer ; and ( XXXX ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( XXXX ) which states ( XXXX ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$8300.00}, XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$0.00}, XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$1300.00}, XXXX XXXX XXXX XXXX DATE OPENED XXXX XXXX, XXXX BALANCE {$1100.00}, XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$680.00}, and XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX DATE OPENED XXXX XXXX, XXXX BALANCE {$0.00}. 

According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.