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

I am writing to formally lodge a complaint regarding the unresolved attempts I have made to remove fraudulent items from my credit report. I have diligently followed the necessary procedures, including filing disputes and providing supporting documentation, on multiple occasions, yet these fraudulent entries continue to tarnish my credit history.

To provide context, I first noticed the presence of fraudulent items on my credit report Since then, I have taken the following actions : I promptly contacted your agency and filed a dispute regarding the fraudulent items on. I provided all requested documentation, including a copy of the police report filed for the identity theft.

I followed up on the status of my dispute, and I was informed that the investigation was underway.

After receiving no resolution or update on my dispute, I filed a second dispute. I reiterated my concerns and provided any additional evidence requested.

Subsequently, I have made additional attempts to address this issue, including phone calls and emails to your agency 's customer service department, without any satisfactory resolution.

Despite these multiple attempts and the significant effort I have put forth to resolve this matter, the fraudulent items continue to adversely affect my creditworthiness. This situation has caused me undue stress and financial hardship.

I understand the importance of maintaining accurate credit reporting, and I believe that your agency has a responsibility to ensure the accuracy and integrity of the information in my credit file. As such, I respectfully request the following : A thorough and expedited investigation into the fraudulent items on my credit report.

Immediate removal of the fraudulent entries from my credit report, as they are negatively impacting my ability to secure credit and financial opportunities.

A detailed written response outlining the results of the investigation and the actions taken to correct my credit report.

Assurance that steps will be taken to prevent any recurrence of this issue in the future.

I expect a prompt and meaningful response to this formal complaint within the exact time frame from the date of this letter. If my concerns are not adequately addressed, I may be forced to seek legal remedies to rectify this situation. I am asking for your immediate attention to remove the following items : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 
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
Product: Student loan

I applied to XXXX XXXX, in XXXX, NC on XXXX 2013. I took XXXX XXXX classes, which is a 2 yr program. Every semester the school would do our loans and all we did was come in and sign the paperwork. The school notified the students that we no longer received our loans through Sallie Mae, and would not provide us with any more information. When I asked for all my paperwork explaining the fees for the loans, I was ignored. I further looked into the situation and found out that I was being charged ROOM and Board, Gas fees and additional fees that did not pertain to me. I have my own residence, supplied my own gas, etc, but the fees were being deducted from my loans regardless. I just do n't see why they were taking that money from me if non of those were provided to me. I would like some kind of explanation on why charge me for something that is NOT being provided to me.
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 XXXX XXXX  Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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: Credit reporting, credit repair services, or other personal consumer reports

Recently they are reporting I paid all last year late and I have XXXX payments over 30 days late. I disputed it with TransUnion and told them they need to correct it. They refuse to do anything stating I have to send them a full copy of my credit report before they will investigate. I have also paid the amount they claim is past due. The loan pulls 2 times a month and I was never 30 days late. It did not show any lates last month when I checked my credit report, so I do not know what changed. I asked to speak to a supervisor yet was told I could not be connected and had to wait at least XXXX hours for a call back.
Product: Debt collection

XXXX started new service with XXXX XXXX and XXXX ended service and returned equipment to XXXX store in XXXX XXXX XXXX Texas. 

XXXX  credit reporting bureaus contacted me to tell me an unpaid balance of XXXX was reported to Amsher Collection Agency XXXX called Amsher Collection at XXXX to dispute the charges and get details and paid the XXXX XXXX called XXXX to dispute collection item off my credit reports and to reimburse me for the XXXX I had paid the collection service. Dispute Number XXXX XXXX called XXXX to dispute collection over the phone. XXXX, dispute # XXXX XXXX filed online dispute with XXXX XXXX XXXX filed online dispute with XXXX XXXX dispute # XXXX XXXX dispute resolved with XXXX and XXXX per their investigation and found in my favor ; therefore negative reporting was taken off my credit report. 
XXXX called XXXX to get back the XXXX I paid that they had reported to collection. There was no balance on the XXXX account because I had followed their policy and procedure regarding customer XXXX back guarantee in the proper window of time. 
XXXX called Amsher Collection to get reimbursed for the XXXX and they told me XXXX would have to refund my money XXXX called XXXX to get refunded. They wouldn't reimburse me XXXX I am now filing a CFPB complaint to get my money back
Product: Student loan

struggling to repay loans due to financial hardship ... in addition loans are more than 20yrs old ... original loan originated in XXXX ... originally with XXXX  but I was told that I had to get a new servicer which is NELNET XXXX they offer me a 1 year forbearance but continue to add interest charges... I believe I am entitled to relief under new government plan... 

XX/XX/XXXX {$15000.00} XX/XX/XXXX {$15000.00} XX/XX/XXXX {$16000.00} XX/XX/XXXX {$16000.00} XX/XX/XXXX {$84000.00} XX/XX/XXXX {$12000.00} all payments were made ontime until covid moratorium XXXX destroyed my credit when moratorium was lifted loan now owned by NELNET. please help me
Product: Credit card or prepaid card

XX/XX/2021, I attempted to open credit card with PNC Branch ( XXXX XXXX ) having a personal checking, business checking and mortgage account opened on various dates. 

I was unable to open the card as it was declined on an income - debt ratio and credit score. In XX/XX/2021, I was approved for two other loans from XXXX  a DC lender and a XXXX XXXX XXXX draw loan on the business account XXXX with this checking account. 

Note : I was also informed that I had a low score which has not had an impact during the same time period XXXX - XX/XX/2021 : obtaining international/DC based clients, business rental lease, DC and a job with XXXX, XXXX. 

Based on the business checking account, I'd like to receive a competitive rate credit card for the business account without the harassment of a hard pull lowering the score when I am able to obtain the necessary assets and income which have satisfied federal requirements for loans.
Product: Credit reporting or other personal consumer reports

These are the unauthorized hard inquiries on my Trans Union credit report. I did not apply for these and I called Trans Union on XX/XX/XXXX to file a dispute, but they ignored my complaint and the hard inquiries remain. 
XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX These are the unauthorized hard inquiries on my XXXX credit report. I did not apply for these and I called XXXX on XX/XX/XXXX to file a dispute, but they ignored my complaint and the hard inquiries remain. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I own Bank Of America Credit card more than 3 Years. I own 3 Credit cards and I closed one card which I was not using for Years. I paid off all the balances and asked Customer care to make sure my Credit score is not impacted. They did acknowledge no impact and the call is recorded and I agree to close the card. All of a sudden my XXXX score has dropped from XXXX to XXXX. I always pay all my dues on time and never had any loan so far. 

I raised complaint with Bank of America and they acknowledged the mistake but I am not sure how I get my credit score back. 

Now, I am looking to buy my first home in US. But this sudden drop in my score is really hurting. Please help me and correct my credit score.
Product: Checking or savings account

Company knowingly approved transactions and disbursed money that was not reflected in account just to charge over draft fee
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Bankruptcy Reporting Under 15 U.S.C. 1681i To Whom I

t May Concern, I am writing to formally dispute the bankruptcy listed on my credit report with your agency. The information is inaccurate and/or unverifiable, as outlined under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ).

The bankruptcy I am disputing appears as follows : Bankruptcy Case XXXX Filing Date : XXXX XXXX, 2019 Court Name : XXXX XXXXXXXX XXXX XXXX XXXX After reviewing my records and verifying with the appropriate sources, I believe this information is either inaccurate or can not be verified. I am requesting that you conduct a thorough investigation of this item as required by law. Specifically : Confirm whether the bankruptcy court reported this information directly to your agency. 
Validate the accuracy and completeness of all associated details. 

Provide a detailed explanation of your findings or promptly delete this item if it can not be verified. 

Under 15 U.S.C. 1681i, you are required to complete this investigation Immediately of receipt of this letter. Please provide written confirmation of your investigation results and any changes made to my credit report upon completion. 

I have attached copies of relevant documents to assist your investigation ( e.g., my ID, court documents, credit report showing the disputed item ). 

Thank you for your prompt attention to this matter. I look forward to your response. 

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

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : US DEPT OF ED/XXXX  ACCOUNT NUMBER : XXXX
Product: Credit card

XXXX XXXX XXXX XXXX, and in XXXX I was charged a late for of XXXX dollars to my credit card with Chase Bank. I rely on notifications to give me reminder about payment dates. My notifications were being sent to the wrong number, which was corrected today. It was my first late payment. I called today when things life found some grounding, and after hearing that regulations have been put in place to protect consumer from high XXXX XXXX late fee charges to the threshold of XXXX dollars. I called to fix the issue and I was told that they could not waive or credit the XXXX dollars because it is an already implemented policy in the system. I believe that Chase to be in the best interest of their consumer and abide to regulations that is in place to protect them. I am still and XXXX  and dollars is significant to me. Therefore, I am taking the step to file a complaint, hoping for system regulation that takes in the best interest of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Also in Fisher v. Equifax Information Services LLC ( D. Ariz. 2018 ), you may be liable for false reporting. The referenced inquiries are falsely reporting and was not authorized by myself.

Under 15 U.S. Code 1681d - Disclosure of investigative consumer reports ; you are in violation. I have attached the definition so you can see the violation! ( a ) Disclosure of fact of preparation A person may not procure or cause to be prepared an investigative consumer report on any consumer unless ( 1 ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested, and ( B ) includes a statement informing the consumer of his right to request the additional disclosures provided for under subsection ( b ) of this section and the written summary of the rights of the consumer prepared pursuant to section 1681g ( c ) of this title ; and ( 2 ) the person certifies or has certified to the consumer reporting agency that ( A ) the person has made the disclosures to the consumer required by paragraph ( 1 ) ; and ( B ) the person will comply with subsection ( b ). 


An inquiry on my report from XX/XX/XXXX with XXXX XXXX and an inquiry on my report from XXXX XXXX XXXX has falsely inputted these inquiries on my report. I have no knowledge of these and do not claim these inquiries. I am informing you that these inquiries are not mine and were not authorized by me therefore this is false reporting and a violation! Please remove the inaccurate information as I know my rights!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a account named XXXX  under account number XXXX being reported by both XXXX and Equifax. Both accounts have been disputed by me to XXXX  and Equifax and said disputes were denied and all information in credit report was deemed correct and verified by both agencies.Both reports are being said to be tru and correct. Contrary, both reports differ in _______ different ways but yet both are considered verified and updated. Each report has different information reporting. Since this is the case, both reports can't be correct and verified as accurate. The errors showing on both reports are : One ( 1 ) - XXXX  report shows high balance as XXXX and Equifax shows high balance as XXXX. Two ( XXXX ) - XXXX  report shows date of last activity as XXXX and Equifax shows date of last activity as XXXX. XXXX ( XXXX ) - XXXX  report shows date of last payment as XXXX and Equifax report shows date of last payment as XXXX. XXXX ( XXXX ) - XXXX  report shows last payment made was on XXXX. Contrary, in or on same XXXX  report, in the 2 year pay history calendar, it shows last payment made was XXXX. Both can't be correct. XXXX ( XXXX ) - Equifax report shows last payment made was on XXXX. Contrary, in or on same Equifax report in XXXX history calendar, it shows account was 60 days late in XXXX. Both can't be correct either! XXXX ( XXXX ) - XXXX  report says XXXX was paid/ o.k.. Equifax report says XX/XX/ was 30 days late. Both can't be correct. XXXX ( XXXX ) - XXXX  report shows XX/XX/ as 30 days late and Equifax report shows XX/XX/ as 60 days late. Both can't be correct also! Both reports show XXXX errors that can't be verified by XXXX or Equifax as true or correct when both reports differ greatly and have such a high amount of errors for dispute.
Product: Credit reporting

The agency will not remove multiple collection accounts from a single medical facility. I do not have multiple accounts with the creditor, but the collection agent is reporting multiple statement items as separate accounts. It is a single hospital they claim I owe money to, on multiple accounts, yet I am the only person who has received treatment so I can not be listed multiple times to unfairly prejudice my credit report.
Product: Debt collection

The company has been contacted many times about these medical bills which are n't mines. I have reached out to the company many different times and advised of these not being my debts the have stated that this is my debt and they will not adjust it although they have sent me notification of the debts being adjusted on other accounts which I have disputed as not being mine. The accounts are XXXX for XXXX date of service XX/XX/XXXX ; XXXX DATE OF SERVICE XX/XX/XXXX FOR XXXX ; and account XXXX for XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and noticed there are some things reporting that I did not give consent to. I did not authorize nor benefit from the following inquiries. According to the fair credit reporting act the following inquiries must be blocked and removed : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation.