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

Our XX/XX/year>2023 statement from American Express reflected {$65000.00} and {$32000.00} both of which we reported to American Express as being fraudulent charges and were not ours. The {$65000.00} charge was removed but not the {$32000.00}. We have reported this to them as being fraudulent every month since XXXX of 2023 and they to bill us for this amount. They have ruined our credit report rating and continued charge interest every month for something that is not ours and we notified them of the fraud the same day we got the statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 States Im have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer repoting agency can not furnish account without my written instruction.

15 USC 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

My husband who is now deceased open a line of credit through Colony brands with my social security number. It took over a year and a XXXX  complaint for them to close the account and say I am not responsible. They will not give me any credit in my own name, nor will they even do anything to correct the issue with me. I have had no contact with them. They say they sent letters I got nothing. I think they owe me for allowing a credit line to be opened in my name with due diligence. All I ask is for a credit line opened in my own name. I tried to apply and get denied which is totally wrong
Product: Debt collection

I do not have any debt with this company. They are harassing me about a debt I know nothing about. I am receiving text messages from this company and I have not given them any information or permission to contact me. They are sending me text messages and calling me after I gave them a legal verbal notice to cease and desist any and all contact with me, they still call and harass me. I am attaching a copy of the text message the company harassed me through unauthorized text messages and they still harass me.
Product: Student loan

See XXXX for background. 

I ended up waiting 45 minutes to speak with the supervisor ( after 3 hours to get a single human ). They informed me that the interest would be lowered by .25 % the following business day and I need not worry. I told them the previous agent said it would take 30 days. They insisted that agent was wrong. I told her I was very nervous that she would be wrong after I spent nearly 4 hours on the phone to get to this point. She reassured me and I hung up. 

It has been 3 days and the rate has not dropped by the .25 %. 

Customer support supervisor deceives lenders to get them off the phone and back in the 4 hour queue to speak with a human.
Product: Mortgage

On XX/XX/XXXX my husband applied for a refinance. On XX/XX/2022 Quicken called and said that they needed my information on my bankruptcy. I am not on the mortgage nor am I on the application for the refinance. They also disclosed that they had his mortgage listed as an active bankruptcy, he hasn't declared bankruptcy. 
The last week of XXXX Quicken called to schedule the closing but then said they were checking the payoff to look for an email. 

On XX/XX/2022 a rep for Rocket/Quicken called and said they needed a release from the court in reference to my bankruptcy. I am not on the note, and I am not on the Deed of Trust. 

My husband sent them an email telling them he wasn't in bankruptcy. And that it was a violation of my privacy for them to be asking. They responded that they still wanted the information. 

My husband has a credit score of XXXX, he makes 100k a year and qualifies for the loan, I have the letter, on his own. I am not nor have I applied for a mortgage, I have never given permission to look at my credit information and they are holding my husbands refinance hostage until I comply. Which I won't, because it against federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not Authorize this account. someone has stolen my identity. 
This is a Fraud Account
Product: Credit reporting or other personal consumer reports

To whomever this may concern my name is XXXX and I've generated this statement. The accounts mentioned in this report should not be reported as they violate my rights as a federally protected consumer according to 15 US Code 1681-B. Also, FCRA Section 1681S-2 states, that a person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. I am a victim of identity theft and did not authorize these accounts to be reported on my accounts. I am demanding that the accounts listed in this report be removed immediately.
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 XXXX 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 correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
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 XXXX XXXX XXXX. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX  XXXX, Account name XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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

To Whom It May Concern : I have recently reviewed my credit reports and noticed you are claiming that a late payment has been made on my account. I do not remember ever being late with a payment on this account. DO NOT EMAIL ME. ONLY CONTACT ME VIA US MAIL. Please provide statements and records of all payments made and missed since I opened the account VIA US MAIL NOT EMAIL. 
In the absence of verifiable information about any late payments, please inform the credit reporting agencies that the account and all payments have been paid as agreed. 

Also, your record is incorrect in the timing of payments. I have asked you to remove any late payment notifications from your records and credit agencies since there is no plausible way that payments can be made through XXXX, paid in full, and then a late payments of 90 days show up in XXXX for the month of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XX/XX/XXXXXXXX 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

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX - XXXX XXXX XXXX - XXXX
Product: Student loan

When attending the XXXX XXXX XXXX XXXX XXXX. I was forced to take Private student loans. The financial aid office stating the federal student loans was not available to any students at this time and that I had to take the private. When taking the loan the financial aid office stated that I would be able to pay off my loans in about 10 years after starting repayment. When I tried to read the loan I was told that they have alot of people waiting and that I can get a copy. When I asked for a copy of the loan they said I can get it after I graduated. I could never get the copies. It has been over 10 years - I have borrowed XXXX paid over 40k and still owe XXXX. The lender is taking 99.9 percent of the money that I pay and applying it only to interest and never applying anything to the principle I have called several times to question this act and they said " if I don't like what I see I should just pay more " and that if I didn't pay they would garnish my income or take my cosigners house away. I have also ask for them to send validation documents of my loans to me and they do not. Out of fear of being attacked I constantly make payments that do nothing. 

This is a prime example of predatory lending practices. I should not have to pay back 100 's of thousands of dollars for a XXXX dollars loan.
Product: Consumer Loan

WELLS FARGO DEALER SERVICES, Are Report that i was late on a payment, I have never been late with a payment, the report me late one-time on my credit report. Never Never Late!!!!!
Product: Debt collection

goldman sachs opened XX/XX/2017 remarks charged off as bad debt balance {$10000.00}
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Dear XXXX XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
4. Proof that the original creditor securitized the debt. 
5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When reading up on the FCRA, I learned that if an account is reported on my credit report, everything within the reporting must be free from an error which is not the case. You have failed to conduct a reasonable investigation and now I'm requesting from you the information you affirm to have firsthand knowledge of this account reporting with 100 % accuracy. I simply request that you remove this account in its entirety from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've reviewed my credit report and noticed that Experian still have three ( 3 ) accounts open on my credit report that XXXX, and XXXX have closed. 2 out of 3 credit bureaus are showing accurate information while Experian is showing inaccurate information. According to the law I have rights to dispute inaccurate information. This in clear violation of 15 U.S. Code 1681 & 15 U.S. Code 1681c2 Accounts Listed : DEPT OF ED/XXXX  XXXX DEPT OF ED/XXXX  XXXX DEPT OF ED/XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX/XXXX XXXX  # XXXX is reporting a collection on my account that I never received any notice of. I currently have XXXX XXXX and I was never sent anything letting me know the account was going to go to collection, I only found out about it when I checked my credit. This is in violation of my 30 day right to dispute.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to express my deep concern and frustration upon discovering that XXXX and XXXX have reinserted previously deleted accounts on my credit file, mirroring the inaccuracies reported by Equifax. This situation is profoundly unfair and highlights a troubling tolerance for inaccuracies within their reporting system. 

I was taken aback to find out that the once-deleted accounts are now reappearing on my credit reports without any prior notification or explanation from these bureaus. This lack of transparency and failure to communicate with their verification process is not only unsettling but also puts me at a significant disadvantage as a consumer. 

I strongly believe that the continued inclusion of these reinserted accounts is unfair, biased, and perpetuates discrepancies on my credit report. I insist on being informed of these bureau 's verification process and the rationale behind reinserting previously deleted accounts. Transparency in these procedures is crucial to maintaining trust and ensuring the accuracy of consumer credit reports. 

I request the prompt deletion of these unfair and biased discrepancies from my credit report to restore accuracy and fairness to my credit profile. It is my right as a consumer to have accurate and reliable information reflected in my credit report, and I trust that you will take swift action to rectify this situation. 

I appreciate your immediate attention to this matter and expect a timely resolution.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I received notification that there had been a hard inquiry from XXXX XXXX XXXX I received an email regarding the denial on XX/XX/XXXX so no account was opened. However I would like to request that the inquiry from XX/XX/XXXX be removed as I did not make this request. I have contacted the financial institution to advise this was a fraudulent request on XX/XX/XXXX.
Product: Credit card or prepaid card

I had credit card fraud, for {$68.00}, I called cardholder services reliacard # asap. I was on hold for an hour. Finally spoke with someone, however, everytime I got a rep on phone, I was either hung up on by accident or disconnected. 5 hours on hold everytime I call! If course, they cant call you back, so you have to start all over again. Before they inactived my card I said let me go to atm & get the money out. I did, then went to food store & by the time I got home, another fraudulent charge occurred for {$110.00}. I called & they inactived my card & sent me another card. A week went by & I have utility bills that need to be paid. I had {$420.00} and I went to use it & was declined again! I check the app & now I was fraudulently charged now, {$100.00} 4 times!!!! I was wiped out!! Got new card & without any notification, it was inactived & without any notice or instructions sent, I was to send by fax only, Drivers license for ID, social security card & W-2 form. I had no money so I could use a fax machine at an office supply store. I had {$2.00} left on another card. I faxed 3 forms of ID. I was told it wasnt legible. It has been XXXX! I was robbed, fraudulently charged {$600.00} & I can't take out the money I have on my card! I'm stuck! I finally found a fax machine h sent 3 forms of ID & all the documents that was mailed to me in order to investigate these charges & get my money back! No notifications that they received my fax & everytime I call, I'm on hold for an hour. To then get no help & hung up on again! I haven't eaten in 2 days. I have no money!!! I lost my XXXX because of this Pandemic & this card is the unemployment $ being sent. It's only {$170.00} & I have no way to find out any information on the status of ANYTHING!! I have to call & wait an hour & pray XXXX dont get hung up on or disconnected. THIS MONEY IS TO HELP US & I WAS ROBBED & I FEEL LIKE IM BEING PUNISHED! I HAVE NO ANSWERS & I WANT TO TAKE OUT MY MONEY BECAUSE IM STUCK NOW! I HAVE NO FOOD. CAR INSURANCE WAS CANCELED BECAUSE I COULDN'T PAY THE BILL!!! HELP!! I AM GETTING NOWHERE CALLING RELIACARD CARDHOLDER SERVICES XXXX  XXXX XXXX FL XXXX
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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

Equifax and XXXX are incorrectly reporting a charged off account where I am shown as an Authorized User on XXXX partial account number XXXX. ( Please see pages 15 and 16 of the attached credit report. ) I have already called XXXX XXXX XXXX and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX, however Equifax and XXXX have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and notice some hard inquires that i don't recognize. 

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

The accounts below are reporting on my personal credit file with EXPERIAN. These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The data furnisher are not complying with federal law in regards to identity theft. Additionally, the data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the accounts removed from my file. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Equifax Dispute Department, I am writing to formally dispute four negative accounts currently listed on my Equifax credit report. These accounts are not mine and are the result of identity theft stemming from the well-documented Equifax data breach.

The data breach compromised my personal information, making me a victim of identity theft. As a result, four negative accounts have appeared on my credit report without my knowledge or authorization. These accounts are as follows : XXXX XXXX XXXX - {$1800.00} XXXX XXXX XXXX - {$890.00} XXXX XXXX XXXX - {$930.00} XXXX XXXX XXXX  - {$4300.00} Under the Fair Credit Reporting Act ( FCRA ), Equifax is legally obligated to ensure that the information it reports is accurate and verifiable. According to FCRA Section 611, I am requesting a thorough investigation into these accounts. Should the investigation find these accounts to be fraudulent, I demand their immediate removal from my credit report, along with any associated inquiries.

I expect a swift and thorough resolution of this dispute in compliance with all applicable laws. I request a written response detailing the results of your investigation, the actions taken, and confirmation of the removal of these fraudulent accounts.

Thank you for your prompt attention to this matter. 

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

I saw 3 " Hard Inquiries '' listed on my credit reports that I do not have any record or recollection of authorizing. They are all dated in XX/XX/2019. I would like them removed and the fraud, if found, investigated.
Product: Mortgage

After contacting Newrez through the consumer portal, Newrez reached out with instructions for removing PMI since I didnt qualify for the XXXX XXXX XXXX automatic removal. 

I paid {$150.00} on XX/XX/XXXX to schedule a XXXX  per the instructions. According to instructions I need to meet or exceed XXXX XXXX XXXX based off current value per the XXXX. 

On XXXX house was inspected and photographed. 

On XX/XX/XXXX I called mortgage company regarding the decision based of current value. House was valued at {$610000.00} and outstanding amount due was XXXX or XXXX XXXX XXXX with meets and exceeds the XXXX XXXX. Newrez refused to remove PMI despite satisfying their conditions. Customer service resubmitted to the paperwork to loan Servicing Department since they didnt not understand why my PMI removal was denied. 

On XX/XX/XXXX I followed up from the XX/XX/XXXX call and they denied the request again.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense XXXX  this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.