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

I submitted my FTC report, Identity theft report, a copy of my utility bill, and a copy of my ID to Experian and XXXX supporting my claims for the fraudulent account on my consumer report, XXXX XXXXXXXX XXXX, XXXX. Experian and XXXX both received my complaint on XX/XX/2022. I also asked the consumer reporting agencies to block and remove this account from my consumer report. XXXX has since removed this account from my report. Experian has not. According to 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of 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 have sent all of that and Experian has not removed this account from my consumer report as of XX/XX/2022. It's just showing account is under dispute. Remove this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my XXXX, Transunion, XXXX reports I found inaccurate and unauthorized inquiries. I have sent out dispute letters to aforementioned bureaus for them to investigate and have deleted. Please advise.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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, credit repair services, or other personal consumer reports

There are many many accounts on my credit report that are not mine I have not applied for these nor signed or used any of these I am not even finding any cards like these with me I have opened an FTC for these I have Mailed out letters since XX/XX/XXXX and nothing is being done I am getting frustrated and I need help to clean this off my credit ASAP!!! 
XXXX - Acct # XXXX Opened XX/XX/XXXX Amt {$4800.00} XXXX XXXX XXXX - Acct # XXXX Opened XX/XX/XXXX Amt {$14000.00} XXXX XXXX  XXXX XXXXXXXX XXXX - Acct # XXXX Opened XX/XX/XXXX Amt {$4800.00} XXXX XXXX - Acct # XXXX Opened XX/XX/XXXX Amt {$6700.00} XXXX XXXX XXXX -Acct # XXXX OPened XX/XX/XXXX Amt {$340.00} XXXX - Acct # XXXX Opened XX/XX/XXXX Amt {$0.00} XXXX - Acct # XXXX Opened XX/XX/XXXX Amt {$2300.00} XXXX XXXX XXXX XXXX Acct # XXXX Opened XX/XX/XXXX Amt {$2500.00} XXXX XXXX XXXX XXXX Acct # XXXX Opened XX/XX/XXXX Amt {$1100.00} XXXX XXXX XXXX XXXX Acct # XXXX Opened XX/XX/XXXX Amt {$2000.00} XXXX XXXX XXXX XXXX Acct # XXXX Opened XX/XX/XXXX Amt {$3400.00} XXXX XXXX XXXX XXXX Acct # XXXX Opened XX/XX/XXXX Amt {$3000.00}
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : XX/XX/XXXX SS # : XXXX To Whom It May Concern, I am a victim of identity theft FTC report number ( XXXX ) The information listed below, which appears on my credit report, is the result of Identity theft DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX ACCOUNT # XXXX DATE OPENED : XX/XX/XXXX XXXX  XXXX Space coast credit XXXX open XXXX XXXX requesting that these inquiries be removed from my credit report as per 605B15 U.S.C. 1681c-2 states if a breach is present accounts will be removed in 4 days it tied to identity theft. In support of my claim, I have filed a report with the Federal Trade Commission ( FTC ) regarding the identity theft and fraudulent activities. I have attached a copy of my FTC Identity Theft these items was already removed and thats against the law to put them back ATTACHMENTS
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$180000.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3000.00} -Charge off XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$420.00} - Collection XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I understand that a compliant was just filed on this exact company. Considering new information this matter needs to be settled immediately. By law EXPERIAN are required to investigate anything that is furnished on my consumer reports. FROM XX/XX/XXXX to XX/XX/XXXX EXPERIAN has concluded that this XXXX XXXX XXXX was Verified AND ACCURATE by third party credit reporting agent XXXX XXXX. I conducting as thrall investigation with XXXX XXXX, in which the company stated they have NO RECORD OF XXXX XXXX XXXX. OVER the YEARS EXPERIAN has failed to share what method was used to investigate this XXXX XXXX XXXXXXXX and how the company concluded that this PUBLIC RECORD is accurate account? I'm aware that EXPERIAN abusing the FCRA law has caused damage to my character and credit file by the company allowing unverified XXXX XXXX XXXX along with other fraudulent accounts to remain on credit. XXXX XXXX XXXX, chair of the House Select Subcommittee on the Coronavirus Crisis, asked the CFPB to investigate Experian, XXXX, and XXXX for allegedly failing to address consumer disputes during the pandemic. CFPB reported then that 4.1 % of complaints were resolved in XXXX, compared with nearly 25 % of complaints in XXXX, before the pandemic. The subcommittee found that Experian corrected 52 % of late payments, and other bad data each year from XXXX through XXXX. As a consumer how can I trust EXPERIAN to conduct a thrall investigation and delete negative items. 

Compliant XXXX COMPANY RESPONSE : Thank you for submitting your complaint on XX/XX/XXXX, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information you have supplied through the CFPB portal and directly to Experian. At your request to begin a reinvestigation, we are in the process of contacting the data furnisher ( s ) or public record vendor to verify the accuracy of the information with which you disagree. Please note that an investigation may take up to 30 days. Upon completion, the result summary will be provided directly to you for review. For additional assistance, you may call the toll-free telephone number provided on your personal credit report obtained directly from Experian, or write to Experian at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX For more information regarding your credit and frequently asked questions, you may visit : http : //www.experian.com/blogs/ask-experian. Please note that you may also submit your request or documents supporting your claim electronically at www.experian.com/upload. You may also visit Experians dispute center by visiting www.experian.com/dispute. Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with Experian.
Product: Student loan

I applied for loan forgiveness through the Department of Education under President Biden and XXXX XXXX 's loan forgiveness plan. 

I was approved for forgiveness and MOHELA is sending wrong balances and not correcting my account. MOHELA is not responding to my request for updates and written verification of the new loan balance, if any. I also requested that they update the correct information with all 3 credit bureaus, ( XXXX, XXXX XXXX, and XXXX ). 

As of this XXXX day of XXXX, 2024, my reports have not reflected the correct information nor have any records of my balance and account history been provided to me per my many requests. 

I feel that MOHELA is purposely delaying correct information from me and not submitting the correct information is hindering my ability to purchase a home and a vehicle. The neglect that MOHELA is providing is against the FRCA. They suppose to report any and all changes to the reporting bureaus that they submit our information to. The information must be accurate and up-to-date, Mohela have failed me in the process and thereby they have continued to report false and misleading information, hurting my credit score and denying me credit.
Product: Credit card or prepaid card

Capital One closed my account of several years, in good standing, in the middle of a pandemic. I have been unable to request the company with the company to attempt to restore it. Any loss of credit limit or average age of credit is detrimental to my score.
Product: Credit reporting or other personal consumer reports

While reviewing additional items on my credit report, i realized that I have been a victim of substantial identity theft, with multiples items on my credit
report that were open without my consent and knowledge. Under 15.US.Code1681, I'm entitled to an accurate credit report and these items are
negatively impacting my livelihood. Therefore, I'm requesting that the following accounts be removed from my credit report: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

 I have attached my identity theft report to validate my statement above
Product: Debt collection

This company repeatedly calls my job up to 5 times per day before the hours of XXXX and well after. They even call on weekends. They do not say anything, they hang up and/or not leave a message. This is harassment at my workplace.
Product: Debt collection

This company has contacted me after signing for and receiving a cease and desist notice. I do not want to nor have contracted with this company. Under false pretenses, this company makes it appear as if there is a debt owed to them. As a consumer and traveler, there is no debt owed from simply traveling on Gods land. 

On XX/XX/2022 there is a first notice from this company stating, I owed a debt, and on XX/XX/XXXX, there was a cease and desist notice sent certified with return receipt to this company. 

XX/XX/2022 another notice was sent to me, stating I still owe a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted information and spoke to managers @ XXXX and they continue to deny or ignore my requests. They have failed to provide me with proof that XXXX XXXX XXXX is the person that authorized the inquiries.
Product: Money transfer, virtual currency, or money service

Its been a no stop problem with Zelle I even recently had a problem where I cant add my phone number it says its active but its not
Product: Debt collection

I have been receiving non stop calls from a debt collector comenity bank. Since XX/XX/year> they have called me and left voice-mail over 45 times. They call as restricted and leave voice-mail. They call under different numbers and leave voice-mail. I have attached screenshots of the calls. They are from various numbers. Different names. Blocked calls. Calls i couldn't even call back. And they are all from Comenity Bank. Reason I know this is because they leave me voice-mail saying it is extremely important to call back before this ends up in legal actions.
Product: Credit card or prepaid card

I purchased a vehicle XX/XX/XXXX The next day I was supposed to pickup the vehicle I decided not to go further with the purchase and cancelled the transaction The dealership already refunded XXXX $ I used my credit card XXXX $ to make it XXXX $ I notified credit card company the following week of cancellation of purchase and let them know I wanted to dispute the charges I called the credit card company various times and they just strung me along and lied to me I went to the car dealership yesterday XX/XX/XXXX and they said that they never heard from the credit card company I asked credit card company what reason they denied my claim they did not have one I did everything they asked of me now I'm paying interest in this charge and it is messing up my credit as well
Product: Student loan

Navient-private loan ... My life was on the incline when i had all loans under XXXX XXXX. Now that Navient took over they are trying to make me suffer. Reason i state this is ( XXXX ) checks # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. XXXX, XXXX, XXXX, and XXXX. All check been cash from XXXX DE with any problems on my end. It would help ample if XXXX person would stop and see on XXXX XXXX, 2015 Account # XXXX needs a repayment plan option available ; ' which states i talking to someone else other then XXXX XXXX again. Recovery XXXX XXXX XXXX, XXXX XXXX XXXX, DE XXXX. This is the head line punch Navient send me a refund check with a check number XXXX. Attach a letter saying " we 'd like to thank you for your business with Nalvient, formerly XXXX XXXX. During a recent review it was identified that our practice of charging a minimum late fee, as well as our student loan billing statement disclosures relating to when late fees would be charged.. It seem to me and i NOT the one to judge but ... NAVIENT is all over the place. Then, second ( 2 ) XXXX XXXX, 2015 another letters " Your Delinquency May be Reported to the Consumer Reporting Agencies '' wait no one talks in there office. I guess no one send each other emails anymore or they are took busy on the net buying clothes and shoes. " Your payment for XXXX of the Navient education loans referenced at the end of this letter continues to be delinquent, and we urge XXXX to make XXXX missed payments today. ( AGAIN ) Please make a payment for the amount that is past due for your loan, to bring XXXX account current. '' Let 's back up XXXX bit how many piece of paper are the wasting to send me all these letters. NAVIENT let 's get this big company in order. Continue, ( third ) Unless XXXX pay, your delinquency may be reported to the consumer reporting agencies, which may or already did impact XXXX credit history and potentially make it difficult for everyone. '' This is what I don t understand about NAVIENT ... no way in any these letters say anything about a DOWN PAYMENT # XXXX. Fourth, ( 4 ) " we understand that unexpected circumstances can cause financial difficulty. if XXXX having trouble making XXXX monthly payment, please call us at ... We 're here to help if XXXX '' HELP what if XXXX telling me to do something and i been doing it way XXXX XXXX set me up to do. NAVIENT saying i am doing everything wrong, NAVIENT help me some I can help you by talking GOOD about your company. THEEND
Product: Credit reporting or other personal consumer reports

In XXXX, I visited the XXXX XXXX and spoke with the front desk, regarding canceling my membership, as I would be out of the country. I was assured that after I paid my XXXX membership fee, my account would be properly canceled and no further charges would be applied. I made the payment as requested. However, when I returned in XXXX, I discovered a charge on my credit card for XXXX, which I had not been informed about, and which was listed as unpaid. 
As this charge had gone over 30 days without being addressed, it caused a missed payment on my account. As a result, my credit limit was significantly reduced ( from {$12000.00} to {$500.00} ), and my credit score dropped from XXXX in XXXX to XXXX in XXXX, due to the over XXXX missed payment. 
I spoke with the new XXXX XXXX XXXX XXXX, and was informed that particular employee had been let go and that the XXXX charge had been rescinded. The XXXX wrote me an official letter outlining this situation, that I also submitted. I was credited with the charge on my card in XX/XX/year> ( XXXX - XXXX XXXX, - {$69.00}, XXXX XXXX XXXX - {$1.00}, Interest Ref Purchases $ XXXX, Late Charge Adjustment - {$28.00}, XXXX XXXX XXXX - {$0.00} ) and after submitting the letter my score has now gone up to XXXX. 
Despite me getting all of my money back for these unsubstantiated charges, I my credit card issuer ( XXXX  XXXX XXXX ) as well as the major credit bureaus ( XXXX, XXXX, and TransUnion ), and they have found my claim to be unsubstantiated, and my TransUnion score ( Linked to my XXXX XXXX XXXX credit card ) stands at XXXX, meaning my overall score is in that range too. 
Not only was this charge unwarranted, I had no way to access e-mail and make authenticated payments during the months of XXXX and XXXX, as I was on a ship going across the XXXX XXXX and I had no cell phone service. I have since received a letter from the XXXX of the vessel, confirming this, and plan to submit this as well. 
My training on this ship during this period was the reason I cancelled my XXXX XXXX membership. In 8 years I have never been late on a payment, and despite the actions I took to prevent this, the negligence of one employee has now greatly affected my credit and I have been jumping through hoops trying to get it back to where it should rightfully be ( where it was in XXXX, at XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act. 15 U.S.C. 1681 Section 609 ( a ) ( 1 ) ( A ). You are required by federal and state laws to verify thought the physical verification of the original signed consumer contract.Under FCRA, unverified accounts must be removed and if you unable to provide me with a copy of verifiable proof. 
XXXX XXXX XXXX Unverified Account XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Acoount XXXX XXXX XXXX I was Never Late these inquiries to avoid any confusion as I DID NOT initiate these inquiries or give any form of consent electronically, in person, or over the phone.XXXX XXXX XXXX on XXXX The XXXX XXXX on XXXX XXXX on XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX IN XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX of XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After reviewing my credit report, I have noticed hard inquiries I do not recognize. I have contacted all 3 CRAs and they refuse to dispute or investigate the inquiries. Attached is a FTC report indicating all of the unauthorized inquiries ( including in the personal statement section ) that should be removed from my credit profile. XXXX has removed all hard inquiries that does not belong to me. 

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries : Except as provided in the section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Product: Mortgage

On XX/XX/2021 The bank ( XXXX XXXX XXXXXX/XX/XXXX which I am refinancing with sent a email asking Mr. Cooper which holds my mortgage to sign the attached Letter of Direction from XXXX XXXX XXXX XXXX XXXX in order for me to move ahead with my refinance. They had a ABI on the mortgage which is A Beneficial Interest on the property stopping me to refinance with out them signing the Letter of Direction. 
After many phone calls and e-mails after 2 weeks they mailed me a Verification of Mortgage. I did not ask for that. I explained to several people that I spoke to that I would lose my new rate that I had locked in, they said they could not do anything it was in the hands of the research dept. which their was no phone number to. 
As it approached XX/XX/XXXX and losing my rate of 2.5 % XXXX XXXX XXXX XXXX said they could take care of it since Mr. Cooper was not. I now received a bill from the Land Trust company for {$540.00} which I never would of had if Mr. Cooper would have helped me. 
I spoke to and e-mailed : XXXX XXXX, XXXX XXXX Ph # XXXX