23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have written directly to each of the credit-reporting agencies multiple times since XXXX XXXX when I realized there were problems with items they were reporting. All answered me but did not remove the inaccurate items and my credit score has been dramatically decreased ... from over XXXX to now under XXXX despite only XXXX even possible negative item which I have disputed with the company to no avail. 

*I have never had a bankruptcy or foreclosure. 
*I have no personal or business loans at all - no car loan, no student loan. 
*I have approximately {$31000.00} balance on a mortgage that has never missed a payment in 25+ years. 
*Of the credit that I have actively available, I use well less than XXXX, more like XXXX % in revolving credit on XXXX credit cards ( XXXX XXXX , XXXX XXXX ) that is paid every month without fail. 

**There was an XXXX XXXX XXXX that was resolved in my favor, which the credit bureaus are aware of, but somehow the " delinquency '' continues - is that right, even when the balance is XXXX? 
**There was a XXXX dispute from XX/XX/XXXX or XX/XX/XXXX where I tried to return a faulty cell phone and T-Mobile would neither allow me to return it for a new XXXX or fix the problem. So I cancelled the service. Only XX/XX/XXXX did that show up as a " collection '' item. 
**There is an XXXX XXXX item listed as delinquent on an old savings account that never had any credit associated with it. It dates from XX/XX/XXXX, it never existed, the XXXX branch is long gone from my neighborhood and yet they refuse to remove it. 

How can I have a credit score under XXXX based on XXXX " possible '' but strongly disputed problem valued at {$300.00}? It feels like I am being held hostage to some outrageous unknown extortionist. 

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

I sent in DISPUTE letters to the credit reporting agencies on XX/XX/2022, and a DEMAND TO COMPLY LETTER ( certified ) on the XXXX of XXXX, 2022. It is now XX/XX/2022 AND they have not complied with their own policies in a timely manner.
Product: Credit reporting or other personal consumer reports

Experian is reporting unmailable addresses on my credit report. The address is connected to an identity theft. The inaccurate information was removed from both The XXXX and XXXX. And according to title 15 it the credit reporting agency responsible to report accurate information across all agencies.
Product: Credit reporting or other personal consumer reports

On multiple occasions I have contacted the reporting agencies on account # XXXX reported by XXXX FORMERLY XXXX the account information is inaccurate and to be removed. Charge off debts are taxable income and can not be reported on any consumer profile. This is a violation of ( FCRA ) 15 USC 1681e ( b ). Also XXXX has been informed of XXXX out of any reporting to any agency. IRS publication proves Charge offs are taxable income and income can not reflect on a consumers profile I demand immediate deletion of this account reported by XXXX FORMERLY XXXX. I have also made a complaint on XXXX with the XXXX XXXX XXXX as well.
Product: Debt collection

On XX/XX/19, two days following the due day for my mortgage, I received a phone call from Caliber Home Loans regarding my mortgage. During this phone call, I was told by the agent that the phone call was being recorded and its purpose was an attempt to collect a debt. I was shocked that I received this notice two days following my due day, particularly in view of the fact for the past eighteen months my mortgage was paid on the XXXX and XXXX of the month I believe that the recent phone I received from Caliber Home Loans regarding my mortgage was inarguably a form of harassment. There was no need for Caliber Home Loans to contact me just a few days after my mortgage was due given the pattern how I have paid my mortgage during the past eighteen months or so. I believe that Caliber Home Loans used the fact that my mortgage was not paid on the XXXX as a form of harassment and intimidation given my ongoing efforts to obtain documents from Caliber Home Loans to corroborate the accuracy and veracity of the settlement statement.
Product: Credit card or prepaid card

In XX/XX/2019, I reported to JPMorganChase that one accounts had been fraudulently opened in my name on XX/XX/2019. JPMorganChase instructed me to complete an affidavit, file a police report, and inform a major credit agency that I had been a victim of identity theft. I completed all these steps and was assured by JPMorganChase that the matter would be resolved, and that I did not owe money to the bank. However, I continue to receive threatening notices from JPMorganChase that I owe them. Chase is dragging their feet to look into my issue. They are in violation of Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Product: Credit reporting, credit repair services, or other personal consumer reports

Company is in violation of 15 USC 1666b and 15 USC 1681b. they are reporting inaccurate information on my consumer report, one, without any written instructions from i, the consumer, second this inaccuracy is hindering my ability to obtain credit and its also defaming my character,. this is embarrassing and damaging my livelihood. Ive put the company on notice already and i would like them to properly do their job and stop violating consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back between XXXX and XX/XX/2015, I requested for a deferment on my student loans that had gone out of deferment. I was informed that all payments are deferred till the following year. Because I was told they were deferred, I never checked for any correspondence from XXXX. In XX/XX/2015, I noticed on my credit report that XXXX reported my account being late for more than 3 months. Because I was told by their agent that my loan was adjusted over the phone till the following year there was no obligation to make any payments and their reporting is inaccurate. I have disputed this several times and they have not done a proper investigation and accept responsibility because it was one of their agents that informed me that my payments  were deferred. I have asked for the phone conversation on that day and they couldn't produce it. This has a negative impact on my credit and I want them to do proper investigation on what happened on that day in XX/XX/2015 when i requested for the deferment. I have a 100 % track record of never being late with any of my creditors. This is the only account that has ever been late and that's out of the norm. This is a clear mistake on their end and they are refusing to take responsibility of their own mistake. I have filed a dispute with Transunion in the past and they have not done a proper investigation into this and still this has been on my account for almost 4 years now and I am 100 percent sure they are wrong on this one and my track record shows it and you can see i paid all my lenders 100 % on time for the past 14 years.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

new and updated information XXXX has failed to respond to my letter received by them on XX/XX/2022 within the FCRA required 30 days
Product: Credit reporting or other personal consumer reports

Incorrect hard inquiries were made on my account without authorization. Kindly delete them.
Product: Credit reporting, credit repair services, or other personal consumer reports

It says that the application was submitted on XX/XX/2019 however it was not me or my closest execs. Which are the only people who have my and the companys information. I dont know who filed the application but it was not me or my team I would like the hard inquiry removed from my report.
Product: Payday loan, title loan, personal loan, or advance loan

Asked American Express to lower my current personal loan interest rate with them in accordance with the Louisiana service member civil relief act. This law, enforces creditors and debtors to lower a currently XXXX XXXX XXXX service members interest rate to 6 % or lower, and to pay back the interest rate difference.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you taking the time to DELETE some of the information in my credit file ; however, there are still accounts that need to be DELETED. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian Credit Bureau to validate this account ( A ). I hope this disputed account is updated. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX, XXXX XXXXXXXX Open Date XX/XX/2013 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, I tried to turn on the electricity in my new apartment as I am moving tomorrow. I was informed I needed to call Experian that there is an issue with my social security number. I called Experian, they would not tell me what the issue is only that it would take 3 to 5 business days and they their database was wrong. They refused to escalate the issue. I explained that I have passed a credit check for credit cards, for the new apartment and I am now being denied simply electricity? I was on hold for 36 minutes waiting for a supervisor only to be told that a supervisor isnt available. I would get a call back within 24 hours.

Experian service and customer care is deplorable. Now I get to be homeless until they decide what cases need escalation or what cases dont? That is indecent and inhuman. Perhaps they need additional training and treat each case like it was their own mother 's case. 

I am disgusted!!
Product: Debt collection

I was just notified of a debt collection that is not mine. The debt collection agency name is TRANSWORLD SYSTEMS INC and the amount owed is {$37000.00}. According to my XXXX credit report, the collection account was opened on XX/XX/XXXX. The original creditor is listed as XXXX XXXX. This looks to be an apartment complex in XXXX XXXX, Georgia ( XXXX XXXX XXXXXXXX ). I have never lived in Georgia. I live in Washington , DC and can provide my apartment lease and utility bills upon request. I have lived in the same apartment in DC since XX/XX/XXXX. This is now the FOURTH APARTMENT that has been rented in GA using my identity since XXXX. I am truly astonished that my identity is continuously being stolen by someone in Georgia despite the security freeze and fraud alert on my credit. I previously submitted a CFPB complaint in XX/XX/XXXX for two other fraudulent accounts/ collections ( complaint no. XXXX ). The XXXX XXXX XXXX XXXX collection ( XXXX XXXX in GA ) was confirmed as fraud in XX/XX/XXXX ; I received an official fraud confirmation letter. The XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX XXXX, apartment in GA ) is still under review. I called XXXX today for an update as I completed and mailed XXXXXXXX XXXX Fraud Affidavit in XXXX and provided all requested supporting documentation ( current lease, 1.5 years of utility bills, copy of Driver 's License, etc ). XXXX received the packet in XXXX. It has been XXXX months and I have yet to hear back. I was provided an email address today and sent an email requesting a status update. My identity was first stolen in XXXX and used to rent an apartment in Georgia ( XXXX XXXX XXXX XXXX ). The debt was confirmed as fraud and cleared from my credit in XX/XX/XXXX ; I received an official fraud confirmation letter. Please let me know if any other information is needed. It is completely unacceptable that my identity is continuously being stolen and used to rent apartments/ open accounts in GA!!
Product: Debt collection

XXXX XXXX is billing me for the 3 transactions totaling XXXX because they did not bill the insurance ( XXXX XXXX ) when I updated them in XX/XX/XXXX. They billed a previous insurance carrier I had before that and at this point and even over a year ago would most likely deny it for timely filing but XXXX XXXX has not billed the current insurance ( at that time XXXX ) because I called and asked them. I updated XXXX XXXX in XXXX XXXX ( around XXXX ) when I had an XXXX at their Imaging Department. I had to provide a copy of my Driver 's License and a copy of my Insurance Card. XXXX XXXX Billing Department would not return my call. I called them throughout XXXX when I received these 3 bills and all the way up to XX/XX/XXXX when they still would not return my call. They had a Patient Representative call but this is a billing matter. I called her back and she would not return my call. I would like to report XXXX XXXX and North Idaho Credit Corporation for falsely creating an outstanding bill and utilizing unfair and unethical credit collection practices to keep tabs on me, purposely create hardships by reporting falsely to my credit report, trying to violate my privacy by accessing my EMR records ( the Patient Representative that called named XXXX at ( XXXX ) XXXX. The 3 bills that I am reporting XXXX XXXX and North Idaho Credit Corporation are Date of Service XXXX for XXXX with a XXXX  Interest that brings the balance to XXXX, Date of Service XXXX for XXXX with a XXXX Interest that brings the balance to XXXX, and Date of Service XXXX for XXXX with an Interest of XXXX that brings the balance to XXXX. Thank you for investigating.
Product: Debt collection

XX/XX/XXXX received a voicemail from a person named XXXX stating I was on his schedule to be served at my job. My husband received the exact voicemail on his phone. XX/XX/XXXX my employer received a call from the same man stating the same thing. He left a number to call and a case number. I call and talked to someone in loss litigation and was told it was a collection of a debt by Chase dates XX/XX/XXXX with the last payment on XX/XX/XXXX. I have researched and the statue of limitations to sue has expired. It is a time barred debt. They man I talked to said I would be served at my work place in 5 to 7 business days I asked to be served at my home. But according to my research their time has passed to seek legal action.
Product: Credit reporting or other personal consumer reports

The account in question violates my rights as a consumer and pursuant to the Fair Credit Reporting Act ( FCRA ) as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and non-verbal pursuant to 15 U.S. Code 6801 6805 effective immediately and indefinitely. In addition to said legal authority, this entity has failed to comply with 16 CFR 313.4 313.9 and is currently in violation of said legal authority. Ive attached a copy of the Privacy Act of 1974 to clarify any confusion as to my rights as a federally protected consumer concerning this matter. I am also prepared in addition to enforcement warranted by the CFPB, to file suit in the proper jurisdiction to enforce my rights where this complaint will serve as evidentiary documentation. My Account XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT XXXX 9 LATE PAYMENTS Balance details 100 % paid off Balance {$0.00} Balance updated XX/XX/XXXX Original balance {$7300.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Installment account Payment summary XXXX XXXX XXXX XXXX - XX/XX/XXXX - XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX XXXX - XXXX - PAYMENT HISTORY LEGEND Status 120 days past due Status updated XX/XX/XXXX Past due amount {$0.00} Original balance {$7300.00} Monthly payment - Additional info Responsibility Individual account Terms- Company sold - Original creditor - Comments Account closed due to transfer Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Phone number ( XXXX ) XXXX 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
PS!

THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has placed a fraud alert on my credit report. I contacted them, requesting removal because I am getting denied credit. They have not removed it. 
In addition, Transunion continues to add names and phones numbers which does not belong to me after I provided documentation to verify my identity, employment, and contact information. 

The XXXX XXXX XXXX has requested all loans on my credit that were with the XXXX XXXX XXXX XXXX be deleted from my credit, as my loans were all rehabilitated. Transunion has refused to remove one account claiming the XXXX XXXX XXXX XXXX did not request removal for that one account.
Product: Debt collection

Hi. I already submitted my complaint and in response the company appealed to false statement and lied about the whole issue. I have tried to reply to your office through the way was provided in your email, however up until this date I have received no response. This is continuation of my complaint ID # XXXX and wanted to make sure that you have all the facts in order to achieve proper results. People complaint to your office in order to bring issues that are effecting everybody and closing a complaint just because the respondent sent an answer is not appropriate at all. the following is my email to your office after the entity responded inaccurately to my complaint : Dear Madam or Sir : Thank you very much for your assistance in this matter. After reviewing the response of XXXX XXXX, I must say that this company has lied about every single thing that they claimed in their response. First of all the following are article numbers of certified mail that I sent to the company and clearly indicated what needs to be done : XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX. As you can see I have documented my communications with them. I am flabbergasted to see that they lie to even Federal Government. Just imagine what are the consumers going through. As I mentioned in California they must comply with Fair Debt Buying Practices Act and in this case they completely failed. You can ask them why they are lying about their claim if it is legitimate and based upon the law. This company has dark record and they have been sued many times. If you need further info please let me know that I can provide them to you ASAP. This company claims that they only received disputes from Credit Bureaus, well, there you go, I have provided proof that it is a total Lie.
Product: Credit card

I contacted with the Executive Office to report XXXX and this agent I spoke with which I forgot what her name is, but she is no help at all. These people turned against when XXXX sent me an pdf attachment of the agreement. I already read and learned my lessons not to damage my account. I blamed them, the customer protection service, and the entire Discover company for not approving my new application to get a new card.