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

I am not liable for this debt of {$1000.00} with XXXX XXXX XXXX Account # XXXX I do not have a contract with XXXX XXXX XXXX, they did not provided me with the original contract with as I requested my wet signature and ID verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. The following items need immediate attention.I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed i had fraudulent account on my report. Please remove this account from my report it is hurting my ability to obtain credit. 

Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

When Working  w  ith The Collection Agency Professional Credit Services multiple calls was made to phone #    XXXX   XXXX   XXXX   XXXX   and  XXXX . I Was told on the   XXXX   XXXX   XXXX   by  XXXX  in the litigation Department that a refund of my garnishments was sent back on the    XXXX   XXXX   XXXX   either to  my home address or my employer. This was from a call initiated by me do to the attempt From PCS to garnish my wages for a second time. This was resolved by a copy of a document I had provided by the  XXXX   XXXX  stating they had paid for the balance owed the full debt, through financial assistance. After finally verifying the letter that was a receipt of the full balance being  XXXX ,  XXXX  then explained the garnishment amount was to be returned in full.   I had received the amount of {$440.00} already handed to me in form of a check issued on  XXXX / XXXX / XXXX  and was told that I would need to wait for  XXXX   XXXX   XXXX  to contact the client before I would receive the remaining {$830.00} and when  XXXX   Had  told me of the return of that {$830.00} on  XXXX   XXXX , I had went ahead and used my credit card to make purchases expecting the check to reach my employer or my mother 's by the time I would got paid on the  XXXX . I had already called my employer immediately following my first call with  XXXX  the week prior to the  XXXX  when  XXXX  informing me the check was sent out but yesterday on the    XXXX   XXXX   XXXX   I called the payroll department to follow up on the check to see if I should  use my Credit Card anymore and that 's when I was told that the check has not been sent out yet and that PCS is still deciding on how to send it out.   I have been working with PCS Sense  XXXX  when I first received the notice of the next round of garnishments which ended up happening fo r two p ay checks and PCS immediately returned the {$440.00} when I had sent the documents through email. But to find out that I was lied to several times through multiple calls along the lines of " You are not receiving the garnishments back '' from the first full round taken in  XXXX  too " The check was sent out '' and now the result of  XXXX  's lie is there are purchases on my credit card that will become a financial burden because I was lied to which is deceiving behavior.
Product: Payday loan, title loan, or personal loan

I have been a customer of Omni financial beginning XX/XX/2019. Since this time I have taken out 2 loans with their company and have made all payments on time. I am XXXX XXXX military and recently applied twice to have XXXX XXXX civil relief act ( SCRA ) benefits applied to past and present accounts in which my interest rates would be capped at 6 %. I provided all necessary documentation in my request including the state references that extend benefits to service members whose home of records fall within the key provision states. Certain states extend XXXX benefits to loans that were acquired during XXXX XXXX service, Ohio being a key provision state. I provided all necessary documentation with my request to Omni Financial specifically stating my request and was met denial from the XXXX compliance and risk XXXX, XXXX XXXX each time. My requests were very detailed in the explanation of the extended XXXX benefits provided by the key provision states and each time XXXX XXXX XXXX deliberately ignored any acknowledgement of those benefits. I am hoping to receive some assistance with my complaint regarding this matter. Thank you and have a great day.
Product: Credit reporting, credit repair services, or other personal consumer reports

On two separate occasions i have repeatedly asked the credit bureau to verify the accounts to be named and send me proof of validity. They have not and only sent back as it is mine. These accounts do no belong to me and belongs to someone with my same name. The accounts are : XXXX XXXX XXXX # XXXX and XXXX # XXXX. 
The above mentioned accounts were removed and then placed back on my account. PLEASE HELP!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account XXXX, account number 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. Also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Attn : XXXX XXXX XX/XX/year> To It May Concern, I am disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXX /ACCOUNT TYPE : CHARGE OFF XXXX XXXX XXXX # XXXX ACCOUNT TYPE : CHARGE OFF XXXX XXXX XXXX XXXX # XXXX ACCOUNT TYPE : CHARGE OFF Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title V Section 61 1, Subsection A-I ) , please provide names and business addresses or each individual with whom you verified the above, so that I may Follow up.

Please forward me an updated credit report after you have completed your Investigation and corrections Your cooperation prompt attention is greatly appreciated
Product: Student loan

Tuition Answer Loan # XXXX Tuition Answer Loan # XXXX I have two student loans, originally from Sallie Mae, now Navient. They refuse to release my co-signer after multiple attempts on my part to do what they said is required for that. Initially they told me that my loans could not have any payments that were later than 30 days for a two year period. Having done that, I asked for my co-signer to be released. They then told me that was wrong information and that the payments couldn't be later than 14 days late in a two year period. I went another two years with no payments being later than 14 days and was then told that they still would not release my co-signer. They blamed it on my credit, however would not give me a credit score or any info as to what constitutes " good '' enough credit. When I initially got the loans and he co-signed, they made it sound like it was an easy process to release the co-signer. They actually have no interest in ever releasing him. My son is my co-signer and it is preventing him from purchasing a home because of the debt-to-income ratio my loan is causing. 
This is not the only problem I have had with them. The interest rate on my loans has jumped up to 11.5 % after I consolidated, and that wasn't made clear. They also didn't tell me my options at different times about repayment plans and got me into forebearance instead which added tons to my loan. But, I am not contesting these issue at this time, I just need to have my son removed as co-signer on these loans. 
XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove an account that has been reporting for 7 years on my credit file it is a direct violation of my consumer rights. It is your obligation to report complete and accurate information. I feel I am being discriminated against with my prior complaints. I get automated responses and immediately close the prior cases. I forwarded these to consult. The account XXXX XXXX # XXXX I have attached a letter and the account that is currently reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having some issues. After a close investigation of my credit files, I state for the record that there have been unauthorized Credit Report Inquiries made on my Account by the entity XXXX XXXX on XX/XX/2020. I've never authorized XXXX XXXX to get access to my XXXX XXXX. 
Pursuant to USC Title 15 section 1681 n Civil Liability for Willful Noncompliance the parties are responsible for noncompliance with the FCRA. It states, a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against Experian regarding their handling of inaccurate information in my credit report. Specifically, I believe Experian has violated consumer protection laws by enabling debt collectors such as XXXX XXXX XXXX and XXXX XXXX to continue reporting on debts they have failed to properly verify and debt that include unfair, inaccurate and misleading information despite having filed multiple complaints with over the years. These credit reporting agencies have failed implementing protocols that protect consumers, and continue reporting on disputed debts without properly investigating disputes : This makes it easier for debt collectors to use unlawful tactics to target, abuse and damage consumers credit worthiness while knowingly violating consumer protection rights The following issues highlight my concerns : - 15 U.S.C. 1681i ( a ) ( 1 ) : This section requires consumer reporting agencies to conduct a reasonable investigation of any dispute concerning the completeness or accuracy of any item of information contained in a consumer 's file.

- 15 U.S.C. 1681i ( a ) ( 6 ) : This mandates that after a reinvestigation, if the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency must promptly delete the disputed information from the consumer 's file or modify it as appropriate.

- 15 U.S.C. 1681g : This requires consumer reporting agencies to provide the consumer with a notice of the results of the reinvestigation, including the specific reasons for the determination when the reinvestigation does not result in a change to the consumer 's file.

Unethical Acceptance of Furnisher data : Seems to rely solely on furnishers responses without verifying their accuracy, even when the information conflicts with the evidence provided. Also, failure to properly investigate Disputes : Inadequate investigations into disputes I filled as the inaccurate information remains on my report despite clear evidence provided These practices not only harm my financial standing but also undermine the protections afforded by the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws put in place to prevent these abuses by unethical and questionable debt collectors like XXXX XXXX XXXX, XXXX XXXX, XXXX among others. I request CFPB put a stop to these matters and hold these bad actors accountable for any violations of consumer rights.
Product: Credit reporting or other personal consumer reports

My loan was opened on XX/XX/XXXX accord to my report. Date of first delinquency would be 120 days later on XX/XX/XXXX. Closed on XX/XX/XXXX. I have tried to dispute this and they keep telling XXXX that its accurate. I have NEVER made a single payment to mohela. It has been over the 7 year requirement. They legally have to delete this. I did the XXXX XXXX XXXX and qualify for deferred payments for the first year through XXXX and I am currently paying XXXX a month on them. So the loan was transferred, but a transfer does not reset that clock. It already came off the other 2 credit bureaus. This is preventing me from accessing necessary credit that I DO qualify for. The green checks in the screenshot are not accurate, as i said, Never made the first or any payments.
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 XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXX XXXX XXXX  Date Opened XXXX XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charged off XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charged off XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$730.00} Collection Inquiries in Dispute : 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 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 Date Opened : XX/XX/XXXX Balance Owed XXXX {$390.00} Late/Open XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$37000.00} Late/Open XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$12000.00} Late/Open
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE ARE XXXX HARD INQUIRES ON MY REPORT THAT HAS COME FROM IDENTITY FRAUD AND I WANT TO HAVE THEM REMOVED. ( XX/XX/XXXX) XXXX ON XX/XX/2022 ( XX/XX/XXXX ) XXXX  ON XX/XX/2022 ( XX/XX/XXXX) XXXX XXXX ON XX/XX/2022 ( XX/XX/XXXX ) XXXX XXXX XXXX ON XX/XX/2022
Product: Debt collection

Received a letter from Receivables Performance Management ( RPM ) that I owe amount to XXXX company. I did have XXXX account 10 years ago and it was closed. Even my name on the letter is incorrect and incomplete. Total money extortion in my opinion.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I was scammed by receiving a fake check for XXXX USD and was tricked into transferring the funds to another account. I realized I was scammed almost immediately after sending them the money. It is important to mention that the checks funds were made available to me the next day I deposited it ( I have proof of that ) because it did not say processing anymore, it had a date posted. All this was at XXXX am and at XXXX am I called Bank of America and filed a claim with the number # XXXX. By XXXX am I was already at the XXXX, XXXX  police station and spoke to XXXX XXXX XXXX who gave me a case number XXXX. After that I physically went to Bank of America in XXXX XXXX, XXXX  and there I talked to XXXX XXXX ( i have videotapes of the conversation ) who told me that theres not much more I could do. I have been calling Bank of America to get updates. They told me that my claim was denied but as a courtesy they would try to contact the receiving bank and told me that it could take up to 45 days that was almost 3 months ago and they have not provided me a resolution. The last time I called for an update they told me to just wait for an e-mail which to this day, I have not received.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen and used to open fraudulent accounts that are now appearing on my credit report. I have notified law enforcement and requested that the credit bureaus remove the fraudulent information which they have yet to do. I am a victim and need this information removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had problems with all three credit bureaus. One of my credit accounts is not properly accounting my charges and the overcharges. They do not seem to have an accountant ( XXXX ) and their statements cant be verified or understood. XXXX XXXX claims that XXXX has verified my credit account and I have asked them about the verification. It appears that they do not have any verification but they claim that they do. Experian has gone on XXXX XXXX and tried to charge on one of my credit cards and I have been contacted. My bank card will not take any digital charges and so last week I was informed that Experian had charged {$25.00} on my bank card and it was declined. XXXX is less aggressive but these bureaus are not worthwhile and I do not want to use them. Experian just tried to scam me on XXXX XXXX. I am going to get a professional to remove them from my sites. I do not see that any credit bureau is keeping proper records. I need federal assistance with these bureaus with improper information.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report DPT EDXXXX XXXX Balance : {$28000.00} DEPT OF ED / XXXX XXXX Balance : {$28000.00} DEPT OF EDXXXX XXXX Balance : {$28000.00}
Product: Credit card

I am a CitiCard holder for twelve years. In twelve years I have never had a delinquency with them. On XXXX XXXX, 2016 I gave XXXX experienced some health issues. After coming home and getting settled in XXXX, I missed my Citicard payment. I called and called Citi to beg them to remove this one late marking off of my credit report. I spoke to account supervisors and asked that I speak to upper management, who they informed me are not accessible by phone. Given my hardship, I ask they please remove this XXXX mark and return my twelve year account to good status. 
Thank you
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 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 XXXXXX/XX/year>
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. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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: Mortgage

We sold our house and paid off a second loan to Wells Fargo and although our loan was current and previous statements from them stated a zero balance due after each payment, they took {$2500.00}. in excess of the payoff amount. I feel they saw all the money coming in from the sale and decided to grab some extra. They could not provide a detailed explaination for this other than " interest is paid forward '' I want them to refund my money and want to stop them from this behavior.