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

Credit Bureaus violated my rights under : 15 U.S.C 1681 section 602 A : I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish a account without my written instructions. Here are my certified mail tracking # XXXX and XXXX. 

I recently received a result from a dispute that was finalized weeks ago. Under FCRA 611 ( a ) referencing an erroneous or inaccurate item ( s ) on the credit report involving some type of transaction that I am not familiar with. I am saddened to learn that they somehow verified these disputed items, stating to leave it on my report. I am absolutely certain that these items that were disputed are incorrect and should be deleted, you have given me no choice but to exercise my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate the accounts in question and disputed. 

XXXX XXXX XXXX - Send complete method of verification XXXX XXXX XXXX XXXX - Send complete method of verification XXXX XXXX XXXX XXXX Send complete method of verification I am readily interested to learn how there investigator arrived at this erroneous conclusion. I demanded to see a complete list of all and any documents along correspondence from each person contacted. I asked them to include all names, addresses, and contact information of employees that they spoke to as part of this investigation including the date and time with phone number given, please. I have enclosed all previous letters that I sent to you previously but are once again enclosed along with this correspondence in order to help you process this request demanded. This verification is critical because my credit report and credit scores are very important and of value to me. I believe it is being unwarrantable, hurtful, and undeserving to a consumer like myself who truly cares about his credit. These unfortunate errors reporting need to be deleted in order for me to be competent and able to maintain great and attain credit. I am in the process of organizing and laying the groundwork for a possible legal case, so I need certain and specific answers related questions I have demanded within this letter based on your information supplied. I expect to receive a response from these XXXX companies within 15 days upon receipt of this letter, or you have a choice of deleting this from my credit report as I also expect to see the item permanently deleted from my credit report based on the unreliability of the information furnished. 

The below attachments represent the latest results of disputes from TransUnion and XXXX. 

Thank you for your prompt attention. I look forward to getting this predicament resolved as soon as possible.
Product: Credit reporting or other personal consumer reports

I just look at my credit report again and according to 15 USC 1681e ( b ) you are supposed to provide MAXIMUM accuracy of my credit report. 

THESE ARE THE ACCOUNTS XXXX  XXXX # XXXX XXXX  XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor 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 I just got my credit report on XX/XX/XXXX and noticed some Accounts on my credit report are incomplete and inaccurate which is a violation of 15 USC 1681e ( b ).

They also violated 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681 ( 5 ) ( A ) ( i ) & ( ii ). At this point I believe they are doing this on purpose. According to 15 USC 1681e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

They must be blind because everything is inconsistent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account has been settled with Capital One Auto Finance XXXX XXXX. I have the car title. Company reporting account closed on two of the reporting reporting agency 's and open on one. Reporting of account owingXXXX XXXX owing, reporting a balance of {$1400.00} on all of them. I submitted a complaint to the company and received a letter back XX/XX/XXXX stating reporting information accurately. I called this company on XX/XX/XXXX and they stated the account was closed and there was no active collection. My access to this account on there web site has been blocked. I filed a dispute with XXXX in XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX and they change a few thing to get accuracy closer however there reporting is not still accurate and complete. I would like reporting to reflect closed, paid and on time or account removed from all credit reporting agency '' s.
Product: Debt collection

Received a letter to collect on a debt for toll road charges and the letter sent does not have the 30 day validation disclosure, does not state the mini-Miranda disclosure.
Product: Credit reporting or other personal consumer reports

My Social Security number has been used by an ex-girlfriend who was apparently arrested for fraud. I have many fake aliases on my credit report, including addresses, phone numbers, and other issues. I have been unable to get these fictitious items removed from my credit report, especially the Experian report. I recently requested an FBI search on myself to see if anything else is showing up that should not be connected to my name. 

Warmly, XXXX
Product: Debt collection

DSG Collect called my cell phone number while I am at work to attempt to collect an alleged debt my wife owes.. The concern is that the collector dialed my cell phone and I do not recall ever authorizing this collector to dial my cell phone. Thereby, violating my rights under the FDCPA guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX shows as an account on XXXX and XXXX while showing an inquiry on Equifax. All are fraudulent because I've never applied for credit for this service or account.
Product: Mortgage

I have a SAM modification with servicer PHH - which was initially with OCWEN ( loan started on XX/XX/XXXX, modified in XXXX ). I am closing on my house in 5 days ( XX/XX/XXXX ). I have sent emails and had phone calls about the PAYOFF AMOUNT and have not received anything from them. I am expecting the worst from them regarding the sale of my house, timing and payoff amount quote - based on their past dealings ( OCWEN ) and the current state of communication from the PHH people I have spoken to on the phone, and emails sent. 

I do have my initial SAM agreement documents and know what the amount should be, based on the numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked again my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 card

I opened an XXXX  XXXX XXXX XXXX Credit Card from Bank of America in XX/XX/2024. The Bank of America application page does not mention that the annual fee of {$95.00} will be charged right after opening the credit card. I opened the credit card, assuming the yearly fee would be charged on the 1st anniversary since the date of the annual fee charge was specified on the application page. Also, by pressing the " terms and conditions '' link on the application page, there is no way to find that the annual fee is charged the first month after opening the credit card. The " Annual fee '' tab says {$95.00}, without referencing what would occur in the first year rather than the one year since opening the credit card ( as I thought ). I do believe that is utterly misleading advertising. I opened the credit card thoroughly convinced that the annual fee would have been charged one year after opening. I contacted Bank of America, and they refused to waive the fee for the first year. 

Californias False Advertising Law Californias False Advertising Law ( FAL ) prohibits any company or individual from making false statements or statements likely to mislead consumers about the nature of a product or service. The FAL often overlaps substantially with the UCL. 

Californias Consumers Legal Remedies Act Californias Consumers Legal Remedies Act ( CLRA ) prohibits unfair marketing practices, including misleading labels, vagueness, and outright deception. The CLRA doesnt prohibit all types of false advertising but only applies to a specific list of enumerated violations ( such as false designations of geographic origin ).
Product: Credit card or prepaid card

I called Bank Of America because I went to XXXX and they had told me the charge didn't go through and my charge still went through. I called / went to XXXX XXXX XXXX  and they couldn't help me. I called and filed a chargeback through Bank Of America over this situation and they got back to me with a denied chargeback. I then sent in much more documentation with a clear explanation of what happened and a signed letter in time for them to continue my dispute. It got denied a secondary time with Bank Of America after I sent them those documents because they claim I need a credit receipt. I spoke with XXXX   and they told me that it didn't matter if it was face to face or online, the merchant must say something like all sales are final. This merchant told me after the fact that all sales were final on alcohol and they couldn't take it back. This was never disclosed and the merchant failed to prove it was disclosed. As per XXXX   chargeback guidelines, " The merchant failed to disclose its refund policy at the time of the transaction and is unwilling to accept a return or cancellation of goods or services ''. Which this is true and Proof of an improperly disclosed in-store receipt. Bank Of America has the improperly disclosed receipt in their posession and it is clearly not signed either. All merchants make you sign for transactions over 100 dollars in person. The XXXX guideline also reads " Merchants that are unwilling to accept buyers remorse returns and cancellations or that want to have special terms including ( but not limited to ) restocking fees or in-store credits, must disclose these terms at the time of the transaction. The cardholder must be informed of the refund policy prior to completion of the transaction at the point of interaction. Failure to disclose a refund policy will result in the merchants requirement to accept the goods for return and issue a credit '' This is also true,
Product: Bank account or service

on XXXX/XXXX/2016 I made a deposit of {$400.00} and at the time my account was over drawn. The account was brought to current and check cleared my other account. I had a payment presented in the amount of {$180.00} and there was enough funds to cover however Bank of America returned my item unpaid, charged me a {$35.00} fee they placed a hold on my deposit. even though it cleared my bank the next day. on XXXX/XXXX/2016 there was an additional deposit made in the amount of {$500.00} in cash. there were some other presented and paid, the {$180.00} was presented again and yet again the payment was again returned and I was assested a fee again. Not only is this unethical to return a payment when the funds are there. I was charged {$70.00} in fees. I am requesting that the fees be remitted to me.
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 : Original Creditor : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : DEPTEDXXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : US DEPT ED ACCOUNT NUMBER : XXXX COLLECTION AGENCY : USDOE/XXXX ACCOUNT NUMBER : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21, I received email notification from XXXX XXXX about a " hard inquiry '' and new credit card that appeared on my credit report. I signed into my XXXX XXXX account and determined that my credit score had decreased by XXXX points and a credit card was obtained fraudulently. I filed a dispute with XXXX XXXX and contacted the bank, XXXX XXXX XXXX at XXXX at XXXX and spoke with XXXX XXXX XXXX informed me that there was one credit card with a limit of {$6500.00} and {$0.00} balance, as well as several deposit accounts listed under my name and last four digits of my social security number. XXXX emailed confirmation of my call along with instructions for further investigative requirements through the XXXX police department and Federal Trade Commission. I filed an online police report ( Tracking number XXXX ) and spoke with an officer in the Fraud Department at ( XXXX ) XXXX and was given a police report number, XXXX. 

I am filing a complaint to contest the fact that XXXX XXXX XXXX  allowed the fraudulent deposit accounts and credit card to be opened without proper identification and verification.
Product: Student loan

Aidvantage is my new loan servicer for a parent plus loan. Their IDR plan is {$150.00} a month higher than my previous loan provider XXXX. There's no way I can afford repayment amount. It was a struggle previously ( prior to the gov't paused ). And now with the skyrocketing cost of living and exhaustion of savings I just can't afford the amount they are asking. I see no way of navigating around this to make payments. 
I'm am XXXX with a chronic illness and have other household expenses ( i.e. mortgage, car loan, other debts etc ) that prevents me from paying the full amount. My income has decrease since I retired 4 years ago, however, its not reflected in payment amount. I feel like Aidvantage is extorting money from me. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and i noticed several accounts that are not mine. I have had my personal information stolen in the past but i never noticed anything until i checked my credit i will list the fraud account below 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 My name is XXXX XXXX XXXX XXXX XX/XX/1990 last XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

***Hello to whoever might read this, my name is XXXX XXXX XXXX I have been trying fix some of the incorrect informations in my credit report several times but it seems nothing has changed in my report. I figure out that some of the addresses and employment information are false and not belong to me or our business. I see that the inaccurate information might have a really high risk to effect our business and really hope that it would get fixed soon. There are addresses and employments information that need to be removed out of my credit report : EMPLOYMENT INFO XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES REPORTED XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XXXX XXXX, GA XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit reporting or other personal consumer reports

This complaint addresses fraudulent items on my credit report that are in violation of federal law. While I appreciate that some fraudulent entries have been removed, I noticed that several still remain on my updated report. Under the Fair Credit Reporting Act, 15 USC sections 1681, you are required to remove these items within the legally mandated time frame. The continued presence of these inaccurate items is negatively impacting my credit. Summary of the fraudulent items still showing on my report : XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX Balance Owed ; {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX FL XXXX ; XXXX  XX/XX/year> ; XXXX XXXX Balance : {$5300.00}.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX # XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 or other personal consumer reports

On XX/XX/year> I attempted to ask for a reinvestigation and validation of debt that DOES NOT JUST INCLUDE PHONE CONFIRMATION, BUT THAT REQUESTS PROVIDING DOCUMENTATION TO ME THE CONSUMER CONCERNING THE DEBT IN ORDER TO VALIDATE IT AS I AM ALLOWED BY LAW. 

EXPERIAN REFUSES AND REJECTED MY REQUEST FOR REINVESTIGATION OF THE DEBTS AND HAS NOT PROVIDED NOT ONE SINGLE VALIDATION OF THE DEBT INCLUDING, BUT NOT LIMITED TO, debt contract ; purchase agreement; assignment contract, date of last missed payment, XXXX, insurance claim, statue of limitations, etc. etc. 

I request the debt be removed if it is not validated. I also ask that Experian discontinue ignoring the law. Debts include XXXX XXXX XXXX  ; XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I mailed a certified letter about unauthorized multiple inquiries on XX/XX/XXXX to dispute information, regarding over 45 hard inquiries for XXXX 25 for Experian and 20 for XXXX that was placed on my credit reports. They received the letter on XX/XX/XXXX. They completed the request XX/XX/XXXX. The request I submitted was over 45 ( XXXX ), 25 ( Experian ), and 20 ( XXXX ) hard inquiries that were not factual and I received the same response, that inquires are factual and can not be disputed. But according to the FCRA rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do n't investigate and respond, the CRA must delete the disputed information from the files. The fact that I received a response in 7 days after they received my letter, one can assume that there was no investigation. A fraud alert was place on my credit file, I then called XXXX to see why the dispute was not investigated, they told that they dont investigate inquires, I said but I have a Fraud alert on my file, they told me that even if I am a victim of identity theft that they still can not remove inquires. I have not contact Experian or XXXX  fearing I will get the same response. I am submitting this complaint due to lack of investigation into my original dispute for hard inquiries being removed that does not belong to me. I did not sign for anything! This is unfair practices by a credit reporting agency with no concerns for the credit worthiness of a consumer.