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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SSN : XXXX | XXXX : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX  XXXX This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. 
If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
Please provide me with a copy of an updated and corrected credit report showing these items removed. 
I demand the following accounts be properly verified or removed immediately. 
Name of Account : Account Number : Provide Physical Proof of Verification XXXX XXXX  XXXX unverified account XXXX  XXXX unverified account XXXX XXXX unverified account XXXX XXXX unverified account XXXX XXXX XXXX XXXX unverified account XXXX XXXX XXXX unverified account XXXX XXXX unverified account XXXX XXXX XXXX unverified account XXXX XXXX XXXX unverified account XXXX XXXX XXXX XXXX XXXX unverified account XXXX XXXX XXXX XXXX unverified account Please remove address that does not belong to me, I have never lived there : XXXX XXXX XXXX XXXX, XXXX  XXXX. 
Also remove any Fraud Alert from my credit profile. 

Thank You, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

Can not login to my Citi Bank Credit card account. I receive the following error Displayed on my PC screen ; An error occurred during a connection to online.citi.com. SSL received a record with an incorrect Message Authentication Code. ( Error code : ssl_error_bad_mac_read ) The page you are trying to view can not be shown because the authenticity of the received data could not be verified. 
Please contact the website owners to inform them of this problem.
Product: Credit reporting or other personal consumer reports

I reached out to the company to remove non-mailable addresses from my report but they didn't remove it. The only mailable address is XXXX XXXX XXXX, XXXX, GA XXXX. 

Per 15 USC 1681b- remove all addresses and phone numbers, and email-XXXX XXXX XXXX
Product: Bank account or service

I opened an account with PayPal thinking I could get started on doing business with them and I added money to my account using a mycash code, which I guess they do n't really like people using so much but if that was the case why have it as an option to add money? My account has had XXXX credit card chargebacks since XXXX XXXX and I have XXXX open disputes and claims even though the account has only been open for a about a little longer than a month. There is no reason for holding XXXX dollars that I recieved as a gift since XXXX XXXX, 2015. From the research I have done, there is no legal justification to hold my money for this amount of time either, regardless of what your terms of service say. PayPal has taken my money from me and is basically telling me because they feel as though I 'm s " risk '' they reserve the right to not do business with me and keep my money for 180 days! This is unfair and I have things to do and pay for. It 's wrong for a company like that to take people 's money like that and decide when it is okay for them to give it back. I 've uploaded all necessary documents they 've asked for and they said that it was all okay until I spoke to XXXX rude reps over the phone that basically said they needed my Ssn again after the tenth time of uploading it!! They keep asking me for documents that I 've already uploaded and are making excuses at this point! I will forward the complaints to your office as well. I am a reasonable person and all I am asking for is the release my funds now. Thank you for your attention and I am sorry we were not able to come to an amicable solution.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year>
Product: Mortgage

We have been trying to get a loan modification with our VA loan for over 8 months. 

Carrington just keeps sending letters asking for the same thing over and over and over again. We get letters that say our review is closed out and then another asking for documents.

We are also trying to work with Carrington through our housing counselor and mediation but no one from Carrington seems to care. 

It seems like a game they are playing with my family. 

We can afford to pay our mortgage. Our finances have really stabilized. 

We sent a lot of new documents today. 

Carrington already has from previous submissions since XX/XX/XXXX over 7 months : Numerous Letters of explanations for deposits, amounts & differing from statements VA award letter and proof XX/XX/XXXX, XX/XX/XXXX Child support order proof has been submitted XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Paystubs have been submitted XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Bank statements have been submitted on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Numerous closed review letters have been sent. Not one time has the beneficiary responded when questioned why the review keeps being closed out. 
Closed review XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXXXXXX XXXX XXXX XXXX XXXX and 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.
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. EXPERIAN, XXXX AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. 

Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Amount : {$5800.00} has violated my right. 

Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Amount : {$5100.00} has violated my right. 

Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Amount : {$2300.00} has violated my right. 

Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Amount : {$1800.00} has violated my right. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 604 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 then records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 168s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

ERC keeps calling my cellphone number to collect a debt for a XXXX XXXX. There is no XXXX XXXX at this number and there has NOT been a XXXX XXXX at this number for over 20 years as I have had this number for 21 years. Every time they call, I have notified them that they have the WRONG number, that there is no XXXX XXXX at this number, that I don't even know a XXXX XXXX, and ask them to stop calling. Yet, the repeatedly keep calling me over and over asking for XXXX XXXX. In addition, when they call they do not identify themselves or the company. There is no caller ID either. The repeat calls are annoying and getting ridiculous.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccurate information in my credit report. Despite my submissions Experian consistently responds within 24 hours stating the accounts are accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act, 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Experian actions may also contravene the CFPA,12 U.S.C . 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB recent administrative proceeding ( File No. XXXX ) against XXXX for similar violations XXXX I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts below : XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent Transunion a copy of a police report I had to file due to identity theft XX/XX/XXXX. I was currently living at XXXX XXXX XXXX, XXXX, XXXX  XXXX. In XXXX I moved to XXXX XXXX, XXXX. I have been having problems every since identity theft has taken place. My name is obviously getting mixed up with someone else. I have had it with these third party agencies reporting what they like with no documentation to validate erroneous accounts that are reporting. The burden of proof in court will be on the collection agency or the creditor not the consumer. I have requested multiple times signed credit agreements which I have yet to receive from no one. I will be moving forward with legal actions once this last dispute is submitted. No consumer should never have to go through this at no time in their life. Bankruptcies do not verify nor do they report to Transunion and third party companies do not have full social security numbers. Bankruptcy do not give information to no third party companies NEVER! XXXX XXXX is a third party agency and do not have full social security numbers. Transunion has not verified the bankruptcy because there is a FREEZE on XXXX XXXX file. I do have receipt of that too. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and this Bankruptcy whom all are not of mine. Remove immediately!
Product: Debt collection

I contacted them XX/XX/XXXX and XX/XX/XXXX to stop contacting me, family, and friends. They just left a voicemail on my moms phone
Product: Credit reporting or other personal consumer reports

I continue to get communication from a debt collector by the name of XXXX XXXX XXXX XXXX XXXX claiming I have an outstanding balance of {$7100.00} and that the creditor is XXXX XXXX It also states that in my credit report these loans were issued in XXXX  or XXXX and I was not even in school or the state, respectively. All of my student loans, outstanding or paid, are XXXX years old. Ive disputed these claims with the credit reporting agencies, tried to contact someone at the debt collectors phone number to find out which arvest bank the loans originated from. I reported the year as incorrect because I know I wouldnt have applied for, nor did I receive any, student loans or grants during the years in which they are claiming these accounts were opened. All of these debts no longer qualify for suit or reporting and reporting should cease, communications via any means should cease and the dates should be corrected
Product: Credit reporting or other personal consumer reports

XXXX XXXX, Social Security Number : XXXX, XXXX XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened at XXXX opened on XX/XX/XXXX under the account number XXXX, an a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$840.00}. and a personal credit card account XXXX XXXX XXXX opened on XX/XX/XXXX account number XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

My mortgage company ( Wells Fargo ) only uses one appraiser ( XXXX ) to establish the value of my home for the purposes of cancelling PMI. They do not allow the use of any other appraisal company. Wells Fargo contends that XXXX is an independent firm although they are both owned by the same parent company. XXXX ' evaluation of my property value was deliberately based on the lowest value comp in their appraisal and I believe is instructed to do so by Wells Fargo. This seems to be a common issue with Wels Fargo and XXXX. I draw your attention to a pending suit filed by the City of XXXX XXXX for this same reason. XXXX
Product: Credit card or prepaid card

Discover claims they notified me that they were closing my card because I didn't use it enough. They didn't. They also didn't send me any kind of electronic communication stating that they would be closing my account. 

By doing so, they caused a SEVERE drop in my credit score. I have had this card for YEARS and I have never had this issue. It is a backup emergency card that I use WHEN NEEDED. 

Apparently, Discover isn't interested in my business since I'm not in credit card debt and I know how to pay my balances in full. 

They're not making any money off me so they don't want me to have an account with them. PRETTY CONVENIENT! Oh wait, no ... not convenient at all. What good is a card if it can't be used in an emergency? 

STICK WITH YOUR LOCAL CREDIT UNION AND DON'T BOTHER DOING BUSINESS WITH THIS FRAUDULENT COMPANY.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received a letter from Equifax stating that the wrong addresses that is being reported on my credit file had been deleted but according to my credit file on XX/XX/XXXX, incorrect information is still being reported
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  Experian and  XXXX . I would like to see my credit updated correctly. Tax lien remove, no scores decline after sub mit Dispute and Inquiry sto p going into my credit report.
Product: Credit reporting or other personal consumer reports

I was in the home buying process and noticed inaccuracies on my credit report. A year ago I started challenging these inaccuracies. I am very concerned because all three credit reports are showing discrepancies. I have mad several attempts to request information from the 3 credit bureaus and heavenly received stall letters from each bureau. I recently sent notarized disputes to Equifax, XXXX, and XXXX to prove I am who I say I am and the inaccuracies are still reporting.I am a very concerned consumer and want only true information about me reporting. 
15 U.S.C 1681G LAW VIOLATION Every consumer reporting agency shall, upon request, and subject to section 1681h ( a ) ( 1 ) of this title, clearly and accurately disclose to the consumer :
Product: Checking or savings account

On XX/XX/21, XXXX dollars was stolen from my XXXX bank of America account from an ATM. Its an ATM that I have never been to and they can see that in the transaction history. You can see for the last year I have only used XXXX ATMs. I would like the money to be refunded to my account. Someone must have stolen my card and pin number. I have since cancelled that card and received a new XXXX but they will not refund the {$680.00}. I called bank of america to dispute the claim and they said they would look at it. I recently received a letter saying the dispute was unable to be taken care of.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2021
Product: Credit reporting

I have been a victim of multiple cases of identity theft within the last XXXX years. Most recently, i have been a victim of identity theft about XXXX times in the last XXXX months. I have purchased a protection program with Equifax and have set up Fraud Alerts with all XXXX major credit reporting agencies. Even though I have fraud alerts set up, the credit reporting agencies are still authorizing the opening of accounts without my verification. I have had accounts opened in my name with all XXXX credit reporting agencies. Each agency is failing to contact me to verify that I am opening these accounts. This issue has now negatively effected my credit score. I will be filing XXXX separate complaints for each of the XXXX credit reporting agencies. This complaint is specifically for Equifax, as I have purchased their product that charges me {$19.00} a month, but reap no benefits of the product except for receiving emails that accounts have been opened in my name.
Product: Student loan

I completed a rehabilitation program with Navient and had no contact with them until XXXX or XX/XX/XXXX. I asked for a hardship and explained to the rep that I was seeking employment that would help me pay my student loan back. When I called back in XX/XX/XXXX to inquire about the hardship deferment i was told that my account was to XXXX. I asked XXXX when the account was transferred and was told XX/XX/XXXX. At this point XXXX said I am in permanent default. 

Navient did not inform me that i did not have time to get a particular job. Nor that I was facing forever default. After the rehabilitation was over I was disregarded and moved on to another piles to be financial ruin. I had contact with Naivient while XXXX says that the account was with them. Please help!
Product: Payday loan, title loan, personal loan, or advance loan

OneMain Financial charged me extra fees for products and services outside of the loan scope.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account open XX/XX/XXXX with XXXX which is reporting late payments of 90 days past due or more, which is incorrect. I was in school from XX/XX/XXXX to XX/XX/XXXX and was in deferment until I started back school which was XX/XX/XXXX thru XX/XX/XXXX and XX/XX/XXXX thru XX/XX/XXXX. In between those times my account were in deferment status.