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

I have sent multiple requests for Experian to remove the fraudulent addresses due to identity theft and they continue to deny my dispute AND CONTINUE TO VIOLATE THE LAW ILLEGALLY. I will be filing complaining with the CFPB until they remove addresses THAT WERE MADE DUE TO IDENTITY THEFT AND ARE tied to accounts that are not MINE due to identity theft. The addresses are below : XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ONLY XXXX ADDRESS SHOULD XXXX XXXX XXXX MY EXPERIAN CREDIT REPORT, AND THAT IS XXXX XXXX XXXX XXXX XXXX, TX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

First they put multiple first six numbers on the accounts XXXX .thats on my credit reports. same things on report, trying to get me to pay on bankruptcy bills. XXXX XXXX XXXX  had two but one was misspelled and dont excised. XXXX is one company XXXX. I want proof of the bills. Next is portfolio debt collection that phone number is XXXX they are the ones over XXXX XXXX XXXX. Im very XXXX and I never lived in the city where one bill is
Product: Credit reporting, credit repair services, or other personal consumer reports

Curious about my credit score, I obtained a copy of my credit report. Upon examination of the report, I noticed that there were some inaccurate items that should not be there. 

After sending certified, return receipt letters on XX/XX/18 ( which were received on XX/XX/18 ), reporting that there were inaccuracies on my credit report from XXXX XXXX XXXX XXXX, account # : XXXX, claiming that I owe {$1200.00}, I requested that I would like some type of verification bearing my signature to verify the debt. I never received any type of verification of any kind. All that was sent to me was a letter saying that the supposed debt had been verified and that it was accurate according to them. 

Waiting over 30 days ( which is how long that is legally allowed to verify any disputes ), I then sent another letter on XX/XX/18, which was received on XX/XX/18 ( again, certified with return receipt ), stating that I had still not received verification of any kind, let alone any type of verification that was bearing my signature, as I had requested. Upon checking my credit report, the non-verified, inaccurate item is still on my credit report, causing a negative effect on my credit score, as well as public humiliation throughout my local community. Since no verification of any kind has ever been sent to me or provided, I am seeking that this particular inaccurate claim is removed immediately. 

Not only has no information bearing my signature ever been provided when requested, but is also Violations of the Fair Credit Reporting Act - including but not limited to Section 611, such as : -FCRA, Section 611 ( a ) ( 1 ) ( A ) -FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) Depending upon how this matter is handled, I will also be detailing any potential issues via an online public press release, including any documentation of potential small claims action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never applied for credit and never submitted a auto loan application with XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX. XXXX XXXX, CA XXXX On XX/XX/2019 I reviewed my 3 bureau credit report when I was alerted from Experian credit monitoring service there was an inquiry on my credit report. 

Inquirer name : Experian Report : XXXX/XXXX OF XXXX XXXX On XX/XX/2019 I called and spoke to Sales Manager XXXX XXXX and he said he would look into it and have yet to hear back. I have also placed numerous calls and left voice messages requesting a call back and resolution. 

Experian states that Inquires are not disputable.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, I also have never ever file for a bankruptcy
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX Please remove this information on my credit report XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX XXXX remove this information on my credit report 3. XXXX  XXXX account # XXXX the balance was reported wrong, the correct amount is {$1700.00} and I have uploaded a screenshot and statement to confirm this. 

In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've had student loans in the past but they're reporting to my credit report and I know that they are invading my privacy per violation of the Educational And Privacy Act and The Family Educational Rights and Privacy Act of 1974 XXXX XXXX XXXX XXXX ( G ) XXXX XXXX XXXX XXXX XXXX XXXX ( A )
Product: Credit reporting, credit repair services, or other personal consumer reports

RGS is reporting a debt in the amount of {$1200.00} that I do not owe with XXXX XXXX. They have reaged this acct on my credit multiple times. In addition. I have NEVER received any notice from them before this was even placed on my credit. I have no contract with RGS and have been corresponding with XXXX every since I closed my service in regard to pymnt arrngmnt on bill and I was told by cox that as long as I keep in contact I should not have to worry about this being on my credit which I did stay in contact. I was being charged for equipment fees and had to have an equipment form filled out 3 times in order to find equipment and they just found out. In addition to an etf ... that was removed due to circumstances. So this should not even have been on my credit until everything was appropriately assessed and calculated which it was not. I would appreciate this being taken off of my credit immediately because the actions that were taken to be placed on my credit was erroneous and illegal. I recently spoke with both XXXX XXXX and XXXX sup from XXXX and these fees attached to my credit has been confirmed to be incorrect with them, and should not be on my credit.
Product: Checking or savings account

I opened a checking account with the fifth third bank using an offer code that was sent via mail. After I met the terms and conditions I called the bank because I did not see any credit mentioned in the offer. The bank mentioned that they are unable to see the offer in their system so unable to honor the offer. I gave them the offer code that was sent to me and they confirmed it is a valid offer code but still can not honor it because it is not applied in the system. 

They know that I used the link provided to me on the offer but I am not sure why the offer code is not reflected in the backend. 

I am extremely disappointed because I opened the account based on the offer that was sent via mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian portraying my identification is compromise I spoke with the representative to disputed the correct items
Product: Credit reporting or other personal consumer reports

Delete Hard Inquiries In accordance with the Fair Credit Reporting act, the list of accounts below has violated my der 15 USC 1681. federally protected consumer rights to privacy and confidentiality inger 15 USC 1681. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 ) ( a ) 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 no acurate delete the account below
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau Consumer Response Division XXXX XXXX XXXX XXXX Washington , DC XXXX Subject : Dispute of Closed Auto Loan Account Reporting by Santander Consumer USA on XXXX Credit Report Dear Consumer Financial Protection Bureau , I am writing to dispute the manner in which Santander Consumer USA has reported a closed auto loan account on my XXXX credit report. The account, opened on XX/XX/XXXX, with a remaining balance of {$0.00}, is incorrectly reported and negatively impacts my credit. 

The specific issues with Santander Consumer USA 's reporting are : 1. **Violation of 12 CFR 1006.34 ( b ) ( 5 ) ** : No validation information for the alleged debt has been provided, yet it remains listed on my credit report. 

2. **Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ** : I have not been given an opportunity to dispute the account, a right under the Fair Debt Collection Practices Act ( FDCPA ). 

3. **Misleading and Deceptive Practices** : The agency 's reporting methods may violate consumer protection laws through misleading and deceptive practices. 

4. **Violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) ** : The agency may have furnished information to consumer reporting agencies without providing required disclosures. 

Furthermore, per XXXX XXXX XXXX and the Fair Credit Reporting Act ( FCRA ), the reporting of closed accounts, especially those with a XXXX balance, should be accurate and non-misleading. The continued listing of this account as a collection is inaccurate and unjustified. 

In response to these issues, I am : - Disputing any and all debts related to this closed account. 
- Revoking all communication rights of Santander Consumer USA through email, text messages, or phone calls. 
- Requesting debt validation. 
- Requesting a copy of the purchase agreement between Santander Consumer USA and any involved collection agency. 
- Requesting proof that Santander Consumer USA and any involved collection agency are licensed and bonded as required. 

Additionally, I demand : - The immediate deletion of this closed account from my XXXX credit report. 
- A consequent increase in my credit score by XXXX in response to the removal of this erroneous entry. 

I urge the CFPB to investigate this matter and ensure all reporting is compliant with consumer protection laws. The incorrect reporting of this closed account has unfairly affected my credit score and financial health. 

Enclosed are relevant documents supporting my dispute. I seek correction of this error on my credit report and assurance of compliance with all applicable laws and regulations by Santander Consumer USA and involved collection agencies. 

Thank you for your prompt attention to this critical issue. 

Sincerely, XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am at my whits end. I honestly do n't know what else to do. I 'm trying to get some inaccuracies off my credit report but i keep running into dead ends with the credit bureaus EXPERIAN ... ... .. 

XXXX # XXXX I HAVE NEVER DONE BUSINESS WITH XXXX!!!!! I HAVE ALSO TRIED TO CONTACT THEM SEVERAL TIMES!!!! CLEARLY THIS COMPANY HAS MADE A MISTAKE AND THIS ACCOUNT SHOULD BE REMOVED IMMEDIATELY!!!! 
-XXXX XXXX # XXXX THIS COMPANY IS IN SEVERAL VIOLATIONS OF THE HIPPA LAW!!!!!!!!! THEY SENT ME SEVERAL DOCUMENTS THAT HAD ALL MY MEDICAL INFORMATION ON IT ... .DOWN TO THE PROCEDURES I HAD DONE. i ASKED THEM FOR A MEDICAL RELEASE FORM AND THEY FAILED TO SEND ME ONE!!!!! THIS COMPANY NEEDS TO SEND THIS ACCOUNT BACK TO THE ORIGINAL CREDITOR AND REMOVE THIS ACCOUNT FROM MY CREDIT REPORT ASAP!!!! 


( XXXX ) ) PUBLIC RECORD # XXXX FIRST OF ALL I HAVE NEVER IN MY LIFE FILED BANKRUPTCY!!!!! SOMEONE HAS MADE A MISTAKE AND IT IS CAUSING GREAT DAMAGE TO MY CREDIT REPORT!!!!! THIS IS VERY INACCURATE INFORMATION AND NEEDS TO BE REMOVED!!! HOW IN THE WORLD ARE YOU VERYFYING THIS ACCOUNT XXXX? WHO ARE YOU SPEAKING WITH? CAN I GET A NAME, DATE AND TIME SO I CAN PROCEED WITH THE STEPS I HAVE TO TAKE!! 
-XXXX XXXX XXXX I HAVE NEVER DONE BUSINESS WITH XXXX!!!!! I HAVE ALSO TRIED TO CONTACT THEM SEVERAL TIMES!!!! CLEARLY THIS COMPANY HAS MADE A MISTAKE AND THIS ACCOUNT SHOULD BE REMOVED IMMEDIATELY!!!! 
-XXXX # XXXX THIS ACCOUNT IS INACCURATE ... THE ACCOUNT NUMBER AND THE BALANCE OWED ... .PLEASE REMOVE!!!! 

( ( XXXX ) ) XXXX XXXX # XXXX THIS COMPANY HAS ALREADY HAD CHARGES BROUGHT UP AGAINST THEM FOR FAILING TO SEND REQUESTED DEBT VALIDATION!!!! I SENT THEM A LETTER FOR DEBT VALIDATION OVER 1 YEAR AGO ... .NO RESPONSE AND THE LETTERS KEEP COMING BACK ... HOW ARE YOU VERIFYING THIS?
Product: Credit reporting or other personal consumer reports

Repeated failures to meet established deadlines and timelines for updates and reporting on the bureau 's handling of this investigation, most recently the unmet XXXXday deadline stated in your previous memo.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX. I have never done business with XXXX XXXX XXXXXXXX neither am I liable. I do not have a signed contract nor any type of contract with XXXX XXXX XXXX. I have the right to demand and see the contract between XXXX XXXX XXXX and myself! Please send the proper validation
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX. XXXX, XXXX, XXXX XXXX XXXX, on XX/XX/XXXX, JPMCB - CARD SERVIC ( the report does not include information about the creditor ) and on XX/XX/XXXX, XXXX XXXX add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

- I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Product: Mortgage

Fay Servicing XXXX XXXX CA XXXX XXXX Fay Servicing claims they cant tell us anything about any generic part of the short sale process at all until we have an authorization on file. ( refusing to tell us what is needed for a short sale package until we are authorized on the file. ) It has taken 2 months for Fay Servicing to tell us which authorization they wanted. And now, they are trying to do a deed-in-lieu. A deed-in-lieu can not be done on this home and we have already told Fay Servicing this. Their previous servicer, XXXX, attempted a deed-in-lieu, forced the homeowner to leave the home, illegally, when they did not have the legal right to force an eviction, AND they could not do a deed-in-lieu because there is a 2nd XXXX. 

It is obvious this is nothing more than a con to scam the investor out of servicing fees.
Product: Debt collection

On XX/XX/XXXX : I sent a letter to First Financial Asset Management 35 days ago located at XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : ( XX/XX/XXXX ) Alleged Original Creditor : ( XXXX XXXX XXXX {$1000.00} Now under The Fair Credit Reporting Act ( FCRA ) 1682G ( B ) - Which states I have the right to request the proof of the Chain of Title of Ownership of any alleged debt reported on my credit reports. It also goes on to say that if the debt was aquired by a debt buyer ( First Financial Asset Management ) like a collection company then they have to be able to provide proof of Chain of Ownership from the Original Creditor all the way to the current owner. 

In my letter it also states that a billing statement, notice, or any unsigned document is not verification of the alleged debt. First Financial Asset Management has failed to provide me with the required documentation requested and has NOT complied with my requests.
Product: Credit card or prepaid card

My name is XXXX XXXX my account numbers ends in XXXX, my XXXX is XX/XX/XXXX. I have been heavily impacted by XXXX!!!! I continue to suffer from serious health issues from XXXX. This account and its servicing has been the worst!!! You claim you sent me a notice in XXXX regarding a fraud charge ; I did not response ( BECAUSE I NEVER RECEIVED ANY NOTICE!!! ) I tried logging in to my account on XX/XX/XXXX to make a payment. I could not log in as it said my account was CLOSED!!! There was NO way for me to make a payment!!!! I received nothing in my email or mail informing me on how to make a payment!!!! I then called in and could not get ahold of anyone!!!! Your automated system would not route me anywhere!!!! So I tried going back into my account to get a number to call and it let me log in!!! What is going on?!!!!! Your phone system does not allow me to talk to a rep!!! I have been heavily impacted by XXXX and CAN NOT AFFORD {$300.00} I HAVE DONE MY BEST AND I JUST CAN NOT DO IT ANYMORE. I need assistance. My account is said to be closed and I can not get anyone to speak with me! I am getting charged late fees and interest because of their madness. I need a reasonable settlement offer with a payment I can offered to settle the account.
Product: Credit reporting or other personal consumer reports

I'm sending this compliant to inform credit bureaus that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 

XXXX XXXX XXXX XXXX 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

I am XXXX XXXX, who is submitting this CFPB complaint, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts witherroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response fromthem until this date. 
XXXX XXXX XXXX Balance : {$0.00} XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days, This is totally Fraud.
Product: Student loan

I have been working with Premier Student Loan Center ( PSLC ) since XX/XX/XXXX. I just found out on XX/XX/XXXX that they have been taken to court, and are shut down. I was not informed about this by anyone. I figured it out when I called to make sure everything was ready for next years plan. I was surprised by an automated voice message telling me that in XXXX of XXXX they were taken to court and are being sued. I was directed to XXXX. I went to the website and was sick to my stomach because I just realized that this company was a huge scam, and I had been fooled. I immediately called my bank, and XXXX  XXXX XXXX. The person I talked to at XXXX  XXXX XXXX informed me of some of the things done to my account by PSLC, and she told me what to do next. I went and changed all my accounts and passwords, and I submitted a consumer complaint to the Federal Trade Commission ( Complaint Report # XXXX ). I will attach a copy of that to this complaint as well as a bunch of other emails proving my involvement with PSLC. PSLC changed names a few times, and I have proof of that in the emails too. I am just wondering what am I supposed to do now. Is there anything I can do? Can I get my money back? The first 5 months I paid {$190.00} to this company. Then {$30.00} per month after that, equaling {$1500.00} in total. This company made it sound like they were the ones who were going to pay my student loans off after the 10 years and they made it sound like the Public Service Program was their program. I was so concerned when they called I even asked them how I could be sure that they were not a scam and how I could trust that what they were saying was true. I don't even think that women I spoke with knew what the company was doing because she was so sincere in helping me. I just don't know how people can take advantage of others who don't understand. I feel completely manipulated. I have proof of every payment they took from my bank account debit card if I need to go back and get those I will. I am sending proof of the last payment they took from my account in an attachment. I have not heard anything back from the Federal Trade Commission, and when I called there I went through pushing numbers on an automated voice system that took me to the Consumer Financial Protection Bureau. I just want to know if I should keep trying to get my money back, or if I should stop putting so much effort into this because that is never going to happen. Please let me know where to go from here. I thank you for your time and energy. It is greatly appreciated. 

PS. There are company names, employee names, phone numbers, and addresses in attached email documents. If there is anything else that you need please let me know and I can get it to you. My email is XXXX. 

This complaint is about Premier Student Loan Center/XXXX XXXX XXXX/XXXX XXXX XXXX   www.premierstudentloancenter.com XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX