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

Over the past two weeks, I have tried to log into my Experian account online to lift a credit freeze. I was unable to log in using the user id and password saved in my XXXX XXXX password XXXX. They sent me a passcode. It didn't work. They sent me repeated passcodes. They didn't work. I called them on multiple numbers at multiple times and got transferred all over the place. They all asked for multiple kinds of identification and security information which I gave them to their satisfaction, but they still couldn't get me into my web account online or unfreeze my credit. The last guy told me to mail in multiple forms of identification by paper mail. I did. I called today on multiple lines and finally got a human being. She was an answering service who asked me what I needed, then transferred me immediately. The person I got could not help me. She said she was the wrong person. She gave me two numbers to call for Experian. One was XXXX XXXX XXXX. I never got a human being. It hung up on me. I called the second number. That number was XXXX XXXX XXXX. That number was not even an Experian number. The recording that answered identified the number as belonging to XXXX XXXX. I hung up. Then I came to you and filled out this form.
Product: Credit reporting or other personal consumer reports

I did not authorize the credit inquiries from XXXX XXXX and XXXX
Product: Credit reporting or other personal consumer reports

SUNRISE CREDIT SERVI XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C 1681e ( b ) 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required.

This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the F.D.C.P.A. laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you.

Please provide me with the below mentioned items : *1099c Request * The amount you claim the Respondent owes you * An explanation showing me how you have computed the amount.

* Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX Balance : {$8000.00}
Product: Credit reporting or other personal consumer reports

XXXX, XXXX & Experian Date : XX/XX/XXXX I intend to challenge a dispute with a FTC report for the items listed below as Fraudulent. Please remove all from my credit report.

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.

Items listed above, have 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 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 ( AN ( 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. 

Remove Fraudulent Accounts Listed Below : Account Name : XXXX XXXX, Account # XXXX, Account Type : Revolving, Date Opened : XX/XX/XXXX, Balance : {$0.00}, Payment Status : Collection/Charge off Account Name : XXXX XXXX, Account XXXX XXXX, Account Type : Revolving, Date Opened : XX/XX/XXXX, Balance : {$710.00}, Payment Status : Collection/Charge off Account Name : XXXX, Account # XXXX, Account Type : Revolving, Date Opened : XX/XX/XXXX, Balance : {$200.00}, Payment Status : Collection/Charge off Account Name : XXXX XXXX, Account # XXXX, Date Opened XXXX XX/XX/XXXX, Balance : {$740.00} Account Name : XXXX XXXX XXXX, Account # XXXX, Account Type : Installment , Date Opened : XX/XX/XXXX, Balance : {$440.00}, Payment Status : /Charge off
Product: Credit reporting

I have submitted a dispute with all the XXXX bureau 's Just been informed as I was trying to buy a house that just recently this judgment was on my report. Judgment is from XXXX and I have a judgment that stands on my credit report that was not from me. the evidence given by ascend shows checks signed by me. The check signature on back is not my signature or known facility of business on check. the check is made out of XXXX XXXX XXXX, I do not use my middle name ever!. also documents state that I was sent many letters that I never received or seen a sheriff come to my house and serve any papers. At that time I worked XXXX hours a day. Working an going to school. From the attorney she stated I will be getting recurring interest since I called about the issue XXXX/XXXX/XXXX. She says the total is now XXXX so I am very confused how this judgment has changed so drastically in a matter of months. I need help figuring this out cause XXXX XXXX is not assisting besides pay the debt and I have numerous time said this debt is not mine. Even if it the judgment came off i was told that ascend will not remove it, so i am screwed no matter what.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit US BANKRUPTCY COURT- ; Case or ID # - XXXX, CCS Collection Service XXXX XXXX XXXX XXXX XXXX US Dept of Education has violated my rights 15 usc 1681 section 602 8 states I have the right to privacy.

604 a section 2. Also state a consumer reporting agency can not furnish your account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  date assigned XX/XX/XXXX {$1100.00} XXXX XXXX XXXX Account numbers XXXX XXXX XXXX XXXX XXXX  date assigned XX/XX/XXXX {$880.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX balance {$660.00} current balance {$700.00} Account numbers Equifax XXXX XXXX XXXX XXXX XXXX XXXX- {$8900.00} account no. XXXX XXXX XXXX {$1000.00} n accordance with the Fair Credit Reporting act XXXX Account # 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

This is the 5th time I open a case against Experian because they don't have my name correctly on my credit report and they also have an address there that I was never associated with. 
My name is : XXXX XXXX XXXX XXXX NOT XXXX XXXX XXXX My only address is : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX NOT XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Mortgage

Carrington Mortgage Services LLC sent a letter dtd XXXX XXXX 2015 advising that it did not receive our XXXX XXXX mortgage payment. I sent a fax that included printouts from my XXXX XXXX Bank account showing that the check was mailed for delivery by XXXX XXXX 2015 and cashed on XXXX XXXX 2015. Today I requested from XXXX XXXX Bank physical evidence that the check was cashed. I received a letter today from Carrington advising that they did not act on my fax of XXXX XXXX 2015 because I had not signed it. Never mind that it contained printouts from my bank account proving my identity and the error was theirs not mine. Today, I received a XXXX delinquency notice and a threat that I will be foreclosed and could lose our home if they do not have this supposedly missing payment by XXXX XXXX 2015. We recently went through a year of hell because XXXX sold our XXXX mortgage to those parasites at XXXX. Now XXXX sold my VA loan to this Carrington crowd which so far looks a lot like XXXX from where I 'm sitting.
Product: Student loan

To whom it may concern, The IRS have approved the 1099C for student loan XXXX on XX/XX/2023. Mailed to Nelnet XX/XX/2023. Received my copy of the Copy B For Cancellation of Debt. 
My account has not been corrected to XXXX Balance as of today XX/XX/2023.
Product: Credit reporting or other personal consumer reports

I have requested from : XXXX, Experian XXXX XXXX to removed accounts preventing me from getting housing in accordance of the fair credit reporting act. they did not respond accurately. the person and consumer XXXX XXXX XXXX, makes this complaint by the following laws : fair credit reporting act, 15 U.S.C. 1681 section 602 ( 4 ) ; consumers right to privacy.

fair credit reporting act, 15 U.S.C. 1681 section 603 ( a, b, c & d ) ; the individual making this complaint is a person and consumer seeking relief from information provided by credit reporting agencies.

fair credit reporting act, 15 U.S.C. 1681 section 604 ( ( a ) ( 2 ) ) ; in accordance with the written instructions of the consumer to whom it relates.

Please remove the following accounts from my credit report provided by the 3 credit reporting agencies ; in the open and closed status, current and in collections status and any comments left by any of these companies. I am a victim of consumer exploitation and XXXX thru the unemployed pandemic and these accounts are keeping me from getting housing and other prosperous necessities in regard to financial timing. my rights are being voilated. 

XXXX XXXX XXXX acct. ending in XXXX, credit card, legitimate. 
XXXX XXXX XXXX  acct, ending in XXXX, credit card, legitimate. 
XXXX XXXX acct. ending in XXXX, consumer dispute not resolved charges are not legitimate. 
XXXX XXXX XXXX  acct. ending in XXXX, unknown account. 
XXXX acct. ending in XXXX, consumer dispute not resolved account was current when closed. 
XXXXXXXXXXXX XXXX XXXX acct. ending in XXXX, unknown account. 
XXXXXXXX XXXX XXXX acct. ending in XXXX, unknown account. 
XXXX  acct. ending in XXXX, unknown account. 
XXXXXXXX XXXX XXXX  acct. ending in XXXX, consumer dispute not resolved, payment attempted but not accepted. 
XXXX XXXX XXXX  acct. ending in XXXX, credit card, legitimate. 
XXXX  acct. ending in XXXX, unknown account. 
XXXX XXXX XXXX  acct. ending in XXXX, unknown account. 
XXXX XXXXXXXX XXXX  acct. ending in XXXX never did business with this bank connected to credit repair agency. 
XXXX XXXX XXXX  ending in XXXX, unknown account.
Product: Checking or savings account

Urgent Request for Issuance of Account Balance Check and Complaint Against Inconsistent Service To Whom It May Concern at the Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against Chase Bank for its failure to issue a check for my account balance, amounting to {$110000.00}, despite repeated requests and following their given instructions. My efforts to resolve this issue through the bank 's channels have been met with inconsistency and lack of clear guidance, causing me undue stress and inconvenience. 

Here is the account info. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX account number XXXX Previously, I complied with Chase 's instructions by visiting a bank branch on XXXX XX/XX/2024, bringing two forms of identification to assist with the process as required. At the branch, a banker filled out a form titled " DECLARATION OF LOST CASHIER 'S CHECK ( Individual ) '' on my behalf. However, when it came to signing the document to proceed, I was informed that my account is under review and was advised to call XXXX for further assistance. 

Additionally, during my visit, I updated my account 's mailing address as per the bank 's request. Despite these efforts, the branch was unable to fulfill my request to issue the account balance check. Furthermore, I have lodged a complaint at the branch regarding the inconsistent instructions and lack of guidance provided to me as a customer. 

Attached to this complaint are copies of previous correspondence from Chase and photographs of the form filled out at the branch. These documents evidence my attempts to resolve this matter and the bank 's failure to provide satisfactory service. 

I urge the Consumer Financial Protection Bureau to intervene on my behalf to ensure that Chase Bank promptly issues the check for my account balance and addresses the inconsistencies in service that have been detrimental to my experience as a customer. 

Thank you for your attention to this matter. 

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

In accordance with the fair credit Reporting Act XXXX  # XXXX, has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 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 reporting or other personal consumer reports

( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify me of dispute outcomes. under the fair credit Act ( FCRA ) Experian has neither corrected nor removed disputed items despite the evidence i provided, causing ongoing harm to my credit standing. i am requesting immediate corrective action to remove the disputed accounts. as Experian inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Furnisher XXXX XXXX XXXX is reporting an old alleged debt that has been previously invalidated and removed from my credit. They claim to be the holders of 2 accounts ; Original Creditor " XXXX XXXX XXXX XXXX '' Amount Owed : {$2200.00} Account # : UNKNOWN Original Creditor is ; " XXXX XXXX XXXX  '' Amount Owed : {$9700.00} Account # : UNKNOWN both these accounts were never validated after a lawful request, Specifically, XXXX and TRANSUNION are violating my rights under the following FCRA laws ; 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 an account without my written instructions. 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. It is unlawful to reinsert accounts previously deemed invalid onto my credit report just because a new DEBT COLLECTOR/DEBT BUYER has acquired and is reporting the exact same debt. The CRA is required to reinvestigate and verify the information before reporting it. This repeated insertion of these invalid accounts are causing me financial as well as emotional damage as I have been denied a mortgage. I have been rendered XXXX  for the last 30 days because of this. ''
Product: Debt collection

Contract Callers , Inc. reported that I owe {$200.00} to XXXXI called them on about XX/XX/2021 and found out that the Person with the same name as I have, who actually owes the {$200.00}, is located in XXXX. I told them that I never lived in XXXX and that I have always lived in XXXX. 

They gave me the address of the person in XXXX which I can provide to you as well as providing you my address in XXXX. 

They said they would send a " protest form '' to me and I never received it. It has been almost two weeks, plenty if time for it to get to me. The number I called for Contract Callers , Inc is XXXX. 

They asked for my Social Security Number and I said I never give that information over the phone ( fearing Identity theft. ).
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am submitting documentation regarding my student loans ; I am a retired veteran with almost twenty-two years of XXXX XXXX service. My student loans were discharged XX/XX/XXXX of XXXX due to XXXX through XXXX, XXXX, The US Department of Education and XXXX   XXXX/XXXX. I am having issues with all US Department of Education loans starting with account number XXXX and XXXX  XXXX/XXXX loans starting with XXXX reporting inaccurately to XXXX, XXXX  and Transunion. 

I have disputed this several times with the credit agencies and provided all the necessary documents regarding the discharged accounts. I have also reached out to the loan servicers and the Department of Education to get this issue resolved, however as of XX/XX/XXXX of this year they are still reporting incorrectly. I have included a copy of all documents that were sent to the credit agencies and loan servicers as well as copies of my credit reports. As you will be able to compare on my XX/XX/XXXX and the most current credit reported dated yesterday XX/XX/XXXX. 

At this time, I am requesting that you review all the documents and assist in helping to resolve this issue in a timely matter as I am not able to move forward on purchasing a home that I have a contract on and a closing date of XX/XX/XXXX and until this has been resolved. The 120 late 's that are being reported have pulled my credit score down over 100 points and with these accounts still showing open, it looks like I still have a debt that I haven't paid. Thank you for your assistant in this matter and I also give my wife XXXX XXXX XXXX permission to speak to anyone on this matter if I am not available. 

Thank you, XXXX XXXX XXXX
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 federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

I have made several attempts with TransUnion to investigate these accounts the following accounts. ( XXXX - XXXX, XXXX XXXX XXXX, and XXXX XXXX ). However, they stated everything was complete and accurate. This is erroneous, because the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt reporting correctly. 

XXXX XXXX XXXX Shows the account was open XX/XX/XXXX, but TransUnion showXXXX. Also XXXX Shows date of last activity XX/XX/XXXX, but TransUnion shows XX/XX/XXXX XXXX XXXX - XXXX shows open date XX/XX/XXXX, but Transunion shows XX/XX/XXXX. Also Transunion shows last payment XX/XX/XXXX, but XXXX shows last payment made XX/XX/XXXX. 

XXXX XXXX shows the account was open XX/XX/XXXX, however Transunion reports the account was open XX/XX/XXXX. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also, they arent even in compliance with metro 2 credit reporting. Please review attached evidence to prove my case.
Product: Debt collection

In times past I sent documents to dispute this debt. I have never personally applied for this debt. I submitted dispute letters, I sent a letter to stop all calls which did happen. On today XX/XX/XXXX, I called and spoke with a representative which did let me know they received my disputes, but they were still going to seek compensation for the said debt. I then said so as a consumer I have rights, and no debt should be on my report according to 15USC1681b. I advised this is fraud. The rep said well we show payments being made, and you even asked for a deferment on the loan. I said it sounds as if you're pointing fingers. I said in fraud, people get things in ppl name all the time and may not have intention on just taking... they may start out good and something happens but then when they default the bad falls on the victim. She said well could you have forgotten since it's so long ago??????? 
This is Real Time RESolutions XXXX file number is Account number original XXXX which I have no clue... .this debt was open XXXX of XXXX. Owing over {$5000.00}.
Product: Checking or savings account

XXXX/XXXX/203 I filed a complaint XXXX ) about a card I never activated and funds leaving my acct via withdrawal, I call netspend.com and they gave me the run around and the reps were rude and non helping and aggressive, they locked my access to my account login and they refusing me my refunf
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit report and was disappointed because I saw that unauthorized inquiries are reporting on my report. I have no idea why this is happening to me so please check the documents I've sent.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX