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

Dear Consumer Financial Protection Bureau ( CFPB ) Representative, I am writing to express my deep frustration and concern regarding the ongoing inaccuracies on my credit report managed by Experian and the negative impact it has had on both my credit score and my employment opportunities as a registered nurse. Despite my diligent efforts to address these inaccuracies, including working with a reputable credit repair company, I have encountered serious challenges with XXXX dispute process. When I submitted a dispute regarding the incorrect information, Experian stated that the information was verified. However, it is clear that no genuine verification took place. The company appears to rely on automated systems or technical scans, rather than conducting thorough investigations to confirm the accuracy of the data. This lack of proper verification is profoundly troubling. 

Moreover, Experian has claimed that my disputes did not originate from me, which is entirely false. This claim demonstrates a lack of accountability and transparency on XXXX part. By failing to appropriately address legitimate disputes, Experian is perpetuating inaccuracies that drastically lower my credit score and harm my financial standing. As a registered nurse, my credit score directly impacts my professional opportunities, as employers often conduct credit checks as part of the hiring process. These errors on my credit report, compounded by Experian 's failure to investigate thoroughly, are jeopardizing my career and financial future. 

I urge the CFPB to intervene and hold Experian accountable for ensuring that disputes are properly investigated, rather than relying on flawed automated processes. Consumers deserve a fair and transparent system to resolve inaccuracies in their credit reports without being dismissed or ignored. 

Thank you for your immediate attention to this matter. I look forward to your assistance in resolving this issue and ensuring that Experian meets its obligations to consumers.
Product: Debt collection

Ex girlfriend onle user of card and paid bill we broke up and she stopped paying. Did not have acces to account or way to pay ... Now in collections and damaging my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC VIOLATIONS CRA 2 SOCIAL SECURITY ALL MAJOR VIOLATIIONS
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day! I am submitting this complaint to the Experian, XXXX and XXXX Bureaus today to follow up my previous complaint I presented to them. I kindly remind the Credit Bureaus to please provide my request for inquiry removal with prompt cooperation and professionalism : EXPERIAN : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX EXPERIAN XXXX XXXX  XX/XX/XXXX EXPERIAN XXXX XXXX  XX/XX/XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 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
Product: Debt collection

Hello. The company Paychecks-Solutions have been very harassing to my employer. The first thing they did was contact my employer in XX/XX/XXXX with a fake garnishment asking them to withhold money from my check without going through the court system. I was able to reach out to them to setup a payment arrangement however after I was late on XXXX payment today, XX/XX/XXXX I was informed by my boss that they reached out to him on his mobile phone asking me to contact them. My boss was not listed as a reference and I have no idea why they are contacting him on his mobile number. The efforts of this company are very harassing and need to be addressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

BMW Finance has reported to all 3 bureaus a 30 day late payment. According to the FRCA, creditors can report a later after 30 days. They have acknowledged that the payment was received on the XXXX day in XX/XX/2023, yet refuse to update their incorrect reporting. I have disputed this with all 3 bureaus as well, however the outcome has not changed.
Product: Debt collection

According to the company we owe this amount of XXXX. However, we left the premises voluntary. We used the security to hold us for the last months rent. So therefore, this information is incorrect as a whole.
Product: Checking or savings account

I asked the fraud department at Simmons Bank XXXX XXXX Arkansas to dispute 2- {$300.00} transactions, withdrawals by XXXX which I did not authorize. I am being told because I entered my debit card into their app, I can not dispute the charges. I was in the office of XXXX, I believe XXXX, of the XXXX XXXX branch of Simmons Bank the afternoon of XX/XX/XXXX. At that time, only 1 transaction had occurred. In her office, I logged into the app and removed everything connecting XXXX to my checking account. There was no card information in the app when the second withdrawal was made from my account. The bank will not dispute this transaction either. 

In this app, every transaction receives specific authorization. I never gave XXXX blanket authority to access my account at will. I do NOT understand why my bank not only won't dispute the charges and recover my money, but they told me to close my account and I would not be allowed to open another at XXXX. This is what 36 years of business gets you at XXXX. 

I am the victim here! This {$600.00} is more than XXXX of my social security check. 

Do I have some avenue to dispute these transactions. I tried communicating with XXXX over and over. All they did was send me software instructions for making a transfer. 

Can you help me? I have about a XXXX dollars between me and the XXXX Wednesday of XXXX.
Product: Debt collection

Person called from XXXX and basically said I owed {$8000.00} from a Capital One Card ( that I never had ) dating back 5 years ago. 
Very persuasive and pushy.
Product: Credit reporting 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 XXXX  # 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 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: Debt collection

XXXX arrived at my home on XX/XX/2023 to serve me with papers for debt collection with NO prior communication from the debt collector by mail or phone. 
Summons came from XXXX XXXX XXXX, PC, XXXX XXXX XXXX, XXXX, CT XXXX on behalf of XXXX XXXX regarding a Breach of Contract for a credit card in the amount of {$9000.00} plus attorney fees. 
There is no history in my phone log from the number associated with the summons. 
There were no voicemails left by the party or any physical mail received in an attempt to collect a debt prior to the summons.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX, Equifax, XXXX Thank you for sending me your internal records of the debt ( XXXX XXXX ) ACCOUNT # XXXX. I was Provided FACTUAL EVIDENCE by XXXX XXXX XXXX, a contract with my alleged " signature ''. On the contract it has in RED STAMP that says " PAID '' with completion date XX/XX/XXXX. HOWEVER on the contract it states the FINAL PAYMENT was due on XX/XX/XXXX. How could this be a CHARGE OFF account if the payment was due only 20 days after the due date? which is PAID IN FULL. I also have circled the date on the contract that says this account was opened on XX/XX/XXXX HOWEVER all three reporting agencies have different dates that says this account was opened in XXXX and XXXX? With so many inconsistencies regarding the account in the ( DATE OF LAST ACTIVITY ), ( DATE OPENED ) ( CLOSED DATE ) ( DATE REPORTED ), ( DATE OPENED ), ( ACCOUNT STATUS ) ( LAST PAYMENT ) & ( CREDITOR REMARKS ) section. This can not be accurate. These accounts appear to be furnished by the same creditor so why is all the provided data different? PLEASE REMOVE THIS ACCOUNT IMMEDIATELY. i have attached my UTILITY BILL for address verification and SS # AND DRIVERS LICENSE best regard XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contact this bureau regarding fraudulent accounts that was open under my name with out my permission but as of now one is still left on my report : XXXX  credit card! This is a fraudulent account I have a ftc report with the federal trade commission and a police report to proof that these accounts are fraud see police report for more
Product: Mortgage

WORST CASE OF PHH MORTGAGE/OCWEN FRAUD The year XX/XX/XXXX was the 30th year of my 30 year mortgage. For many years prior, PHH/Ocwen did nothing but commit one fraudulent act after another against me. Fed up with their fraud, I was finally able to refinance my mortgage and get it out of the hands of PHH/Ocwen. 

In XX/XX/XXXX, I purchased my home for {$46000.00} and after nearly 30 years of mortgage payments my loan payoff was a staggering {$40000.00}! Nearly 30 years of payments and all I got credit for was {$5800.00}! After the refinance was completed, PHH/Ocwen sent me a check for {$5.00}! 

PHH/Ocwen committed such crimes as changing my loan type without my knowledge/consent, placing my payments in a suspense account rather than posting payments directly, failed to pay down principal, always claimed I owed more money ( never submitted me any proof ), placed me on several forbearance plans and even though I never missed a payment, the amount they claimed I owed always increased, and fees - all kinds of ridiculous fees that amounted into the thousands of dollars! When PHH/Ocwen fraudulently changed my loan type from a FHA, they began to charge fees. When my loan was a FHA, I was protected from fees. 

Several attempts for help was made, but PHH/Ocwen never responded to my attorney 's qualified written requests. Nor would they specifically address any questions pertaining to why my mortgage payments were being placed in a suspense account and other discrepancies. They would just send a letter claiming I was always behind in my payments. 

I have no idea where my 30 years of payments went or whose pocket ( s ) it went into. This company has no right to be in business. They are nothing but thieves! Hell won't be a surprise for them. 

( Documents are available for your review. )
Product: Money transfer, virtual currency, or money service

Was solicited as an employee of CashApp I was told I was being offered a line of credit and a {$90.00} deposit was needed to be sent to the user XXXX XXXX. 

They ran off with my money, this is a scam, and the number I was called on from a XXXX number is no longer in service. Cashapp has not responded to 5x emails.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my sixth endeavor 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1.My Full Legal Name : XXXX XXXX XXXX 2.My Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of the addresses please delete these outdated addresses and update with one above. 
I demand my social security and date of birth be removed from being displayed on credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX XXXX SSN : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Sincerely XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I received a text asking if I authorized a XXXX  transfer. I text back saying NO I didn't. Then a text saying a rep from Bank of America will be calling me. Phone rang it said b of a. The rep explain to me that a two transfers were about to happen one for a XXXX and one for XXXX and then explain to me the way to stop it reverse it. When in fact it sent it. I was scammed the whole entire thing was a scam. The rep on the phone told me the transfer was from someone named XXXX XXXX XXXX XXXX my Bank of America here in XXXX knows all the information they are not helping, they sent me a letter saying that the transfer was good and there's no more investigation, when in fact the whole thing was a scam. I never authorized money to be sent and I have the text to prove it they closed it said they're doing nothing about it and then I contacted XXXX I've also contacted XXXX. Now XXXX told me the same thing that there's nothing they can do once money is sent and I authorized it I didn't authorize this though that's the problem I didn't allow anybody to take money I didn't send money to anybody.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX/XXXX XXXX/XXXX {$300.00} XXXX  XXXX XXXX XXXX/XXXX XXXX/XXXX {$600.00} I have never argued over that supposed debt item because there is no debt item. I have lived up to my agreement and nothing is owed by me. 

MY PROOF of adherence to the terms of the original rental lease is as follows : As per the original lease with XXXX XXXX dated XX/XX/XXXX Monthly payments of {$850.00} were due on the XXXX ( XXXX ) of each month, and considered late on the XXXX ( XXXX ) of each month. 
First of all, the lease payments during my residency did not ever total a monthly amount of {$900.00} ( {$600.00} plus {$300.00} ). Again, as the original lease reads, the monthly rent was a flat {$850.00} ( see attached ) Section 9. TERMINATION OF TENANCY BY RESIDENT Upon the first anniversary of this Lease, the resident may, at any time, thereafter, terminate this agreement by giving the Landlord a written notice of its intention to terminate. The tenancy is then terminated within thirty ( 30 ) days or at the end of the next rental month following receipt of notice, whichever is greater. 

DOCUMENTS INCLUDED : Page one of the Original XXXX XXXX Lease XXXX - Rental termination letter for XXXX XXXX XXXX - Rental payment/final payment for XXXX XXXX XXXX Rental payment for new residency at XXXX XXXX XXXX Rental payment for second month of new residency at XXXX XXXX I, as of yet, have not seen any valid proof of verification of this supposed debt. Nothing of what I have asked for in multiple certified letters has been furnished to me in any way. What I have seen displayed is YOUR willful refusal to provide proper verification as required by law. 

Where is YOUR proof of ACTUAL VERIFICATION of this supposed debt Item? 

Where is YOUR proof of ACTUAL VERIFICATION giving you the right to post this as a negative item to my credit report? 

Where is YOUR documentation! 
Since you have proven that you can not supply that proof, you must remove it from my report!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I called them to inform them that there are multiple inquiries that I do or recognize and they refuse to remove them without a police report and a complaint through you all.
Product: Credit reporting, credit repair services, or other personal consumer reports

below in pictures you will see the hard inquiries that was put on my credit report. the only inquiries that should be on my credit report is from XXXX XXXX XXXX. also there is some collections and late pays that are on my credit. i pay my bills on time as you will see i have 100 % payment history. where the problem comes in is that my father has the same name as me unfortunlly and this has happened before. this is keeping me from getting a home loan and i have tried calling all these people trying to get it taken care of. all i want is for all the hard inquiries to be taken off and collections on the 2 midland funding accounts removed. there is also a XXXX XXXX on my credit on a auto that is also his doing. please i need some help with this please as im getting nowhere with anyone. below are the screen shots of the ones im needing help with. thanks and have a great day
Product: Credit reporting or other personal consumer reports

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the accounts and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items 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 of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an excellent credit rating 6 months ago... XXXX. ( I have been desperately trying to get to XXXX but unfortunately have only gotten to XXXX. ) My personal and financial information is very important to me and not taken lightly. I have taken great pride in establishing and maintaining my high XXXX XXXX and have NEVER been late on a mortgage payment, installment loan or credit card payment. So I don't need to emphasize how angry I was when I was informed that I was denied by XXXX loan companies for my XXXX loan for absolutely ridiculous reasons ... *Lack of recent installment loan information .. *Too few accounts currently paid as agreed .. *No recent revolving balances .. *Length of time accounts have been established XXXX of recent auto loan information. 

I opened my first checking account and my first credit card account ( XXXX ) when I was XXXX. I have had XXXX mortgages, approximately XXXX car loans, at least XXXX installment loans for various items ( snowmobiles, jet skis, ATV/UTV, golf cart, storage building, etc. ) and close to XXXX different credit cards for department stores. So at XXXX XXXX XXXX, that denial for my loan was absolutely absurd... especially with {$25000.00} down. 

I have contacted all XXXX major credit bureaus, the XXXX loan companies and also CFPB disputing the erroneous error that has occurred on my credit report. I told them the reason I believed this discrepancy has transpired and it was like talking to a wall! I was on the phone with XXXX and TransUnion yesterday for XXXX hours ... transferred 6 times ... requested to speak to a supervisor ( who wouldn't even give me her name ) and was told by another TransUnion representative that I should contact ALL the accounts that I have had in the past and have them document again my credit history. Is that about the most lunatic idea imaginable... especially since a lot of companies are no longer in business or outdated records. 

I legally changed my FIRST name 2 years ago ( 2020 ) ... which was my LAST name for 37 years ( XXXX ). I also remarried in 2020 and changed my last name. My question is ... why the credit bureaus can't just simply change my name on my credit reports to my legal name. The Social Security Administration didn't have an issue with changing the name on my social security card nor did the Driver 's XXXX XXXX with issuing me a new license and voters registration card with my legal name. 

Due to the XXXX epidemic and everyone working remotely... with very little work getting accomplished ( which I might add ) ... some companies have gotten too laxed and slipshod in managing their employees productivity ... and oblivious to the process that is required to provide efficient and effective work ethics.