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

I have contacted Experian multiple times and they continue to blatantly disregard my rights as a consumer by law. On XX/XX/XXXX, I mailed a dispute to Experian in regards to an account listed on my credit report as XXXX XXXX XXXX with an account number of # XXXX. I have no knowledge of this account and I have requested MULTIPLE times from Experian, to please send me documentation confirming that the account they are reporting under my social security number is accurate and belongs to me, however all I continue to receive are " Updated '' and " We verified this item belongs to you '' automated letters, and I am highly frustrated with this illegal reporting. I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey. I have been disputing this account for many months. I have also disputed this account due to inaccuracies that I have noticed with Experian and another bureau that this account is being reported to. Again, I have not received any verification of this account, and in addition to that, Experian was reporting an open date of XX/XX/XXXX for this account however XXXX was reporting that this account was not even placed for collection until XX/XX/XXXX. As you know, this is not allowed under my rights and also a clear indication that this information was NOT properly verified upon you receiving it. If this is the same account, how is the supposed verified information listed on my credit profiles different from one another? This is not possible and because of this inconsistency, please delete the following account from my credit profile immediately as I have REQUESTED MULTIPLE TIMES. I asked that this account be DELETED, not " updated '' or " verified. '' This is a blatant disregard of my rights as a consumer and this is my last step before contacting the XXXX XXXX XXXX, Federal Trade Commission, and my Attorney General. I sent a follow up dispute letter last month in XXXX and received the same response.
Product: Money transfer, virtual currency, or money service

I am a bmo account holder and i take XXXX payments from clients at work using email. a few months ago i noticed my email was compromised from XX/XX/XXXX XXXX thru XX/XX/XXXX XXXX on XX/XX/2022 i reached out to a client at from work because i didn't see his payment on my bmoharris account i then realized i have not gotten any payments from him since Hes came to get serviced by me. i opened my email then noticed a chase account had received up to XXXX payments dating back to XX/XX/2022 ..after a long call with chase representatives and transferring me to different departments with chase giving me the run around i finally was able to open a claim its been XXXX months and i try to reach out to them and leaving voicemails they haven't reached out.. approximately about XXXX dollars are owed. I am really frustrated I'm giving up but i also know theres more people going thru what i am going through. I would love to see a change with these banks as far as taking further action with their own clients.
Product: Debt collection

I have XXXX XXXX going back to XX/XX/XXXX. I went to XXXX XXXX XXXX in XXXX Texas to the XXXX room. I had my XXXX removed. I have told them to code the bill properly to the hospitals and the XXXX different collection agencies. I 'm not paying out of pocket for the rest of the treatments. I have insurance. Optmium Outcomes has repeatedly called me on my phone and ignored the stop all contact letter sent on XXXX XXXX, XX/XX/XXXX certified mail # XXXX. XXXX the bill correctly or XXXX. My insurance premiums are taken out of my check every month. This has been ongoing for 2 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Here the Steps 1. Sent numerous Disputes letters stating that this information False and inaccurate to no available the credit bureau ( Experian XXXX, XXXX each time came back verified .Ask for Methods of Verification- burden of proof And the name of the Person that provided the verification and they ignored each request they Start sending stall tactics letters.Experian are trying to stall me hoping that I will stop. 2.Filed a complaint CFPB complaint -came back verified no action taken by you guys. 3 .Filed a complaint with my State attorney General office. 4.Contacted the original collection agent to verify what they had in theirs files and that investigation was NEVER done. 5.Email Experians Ceo as last resort before I Sue them.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$1200.00} XXXX XXXX XXXXXXXX Balance {$1000.00} XXXX XXXX XXXXXXXX Balance {$510.00} XXXX XXXX XXXX Balance {$480.00} XXXX XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX Balance {$420.00} XXXX XXXX XXXXXXXX ( Original creditor : XXXX ) XXXX Balance {$4500.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX Balance {$410.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance {$830.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$480.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXXXXXXXXXX XXXX XXXX ) XXXX Balance {$79.00} XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$1200.00}
Product: Debt collection

I had several internet payday loans over the course of XXXX years. I have n't taken out any new loans in at least XXXX nearly XXXX years. In XX/XX/XXXX, I began getting bombarded with loan debt collection attempts, years after I was done with the loans I had had. I had calls from National Credit Adjusters, XXXX and XXXX, and XXXX. They called about a XXXX loan, a loan from XXXX XXXX, XXXX XXXX lending, among others. 
They all began the calls as pushy, trying to get me to resolve the issue right away, but I wanted to check on what they were calling about because some of the loans referenced had been paid off. In the case of XXXX loan, the lenders topped debiting from my account before the loan was over, I never stopped paying, they just would n't debit anymore. I got off the phone the first week the calls began, researching the legitimacy of the XXXX. I then stumbled on the fact that the loans I had, were all internet loans, and they were actually void in my state. The next time I got a barrage of calls, I answered or called them back, and as they were telling me that I was going to get taken to court, and I informed them most of the loans I had were paid back, but even if some were not paid in full I always paid every lender well over the principal balance, and the loans were void and unenforceable in my state. That sent the XXXX over the edge, and they would rush to tell me there was a chain of custody, and that the loans were completely legitimate, and were very ugly in how they addressed me. They were very irate and insisted they could take me to court no matter what, and that I would have to pay much more than I had even borrowed from the lenders, no even counting any of the payments I had made or the loans I had paid off.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not ask experian to put a fraud alert on my account. 
They did it without my consent They are requiring me to go out of my way to submit numerous documents to have it removed on a letter received XXXX. 
I DEMAND THAT THEY REMOVE THIS XXXX FRAUD ALERT IMMEDIATELY. THIS IS OUTRAGEOUS. I WILL BEGIN LEGAL ACTION. 
THIS WAS DONE FRAUDULENTLY. REMOVE THIS ACTION FROM MY REPORT. I DID NOT SUBMIT ANYTHING FOR YOUR FRAUDULENT ACTION AND I REFUSE TO SUBMIT 6 DOCUMENTS TO REMOVE IT.
Product: Debt collection

To Whom It May Concern, This letter serves as my formal response to your continued attempts to collect an alleged debt that I dispute. As previously requested, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am invoking my rights to request complete validation of this debt. To date, you have failed to provide sufficient evidence that substantiates the debt, its amount, and your legal right to collect it. 

This is my second formal demand for the following documentation : XXXX. Proof of the debts validity : This includes the original signed agreement or contract bearing my signature. 
XXXX. The full accounting of the alleged debt : Including all payments made, credits applied, and any fees or interest charged. 
XXXX. Proof of your authority to collect this debt : Including documentation of any assignment, sale, or transfer of this debt from the original creditor. 
XXXX. Identification of the original creditor : Including their name, contact information, and verification of the original debt. 

Until such validation is provided, any attempts to collect this debt, report it to credit bureaus, or contact me about this matter are in violation of my rights under the FDCPA. 

Additionally, under 15 U.S.C. 1692c ( c ), I am demanding that you immediately cease and desist all communication with me regarding this alleged debt. Any further communication, outside of the required provision of documentation, will be interpreted as harassment and a direct violation of federal law. I will not hesitate to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), my states Attorney General, and other appropriate regulatory bodies. 

Failure to comply with this notice will result in my pursuing all available legal remedies, including but not limited to filing a lawsuit for statutory and punitive damages, as well as attorneys fees and costs. 

Please note that this letter is a good faith effort to resolve this matter amicably. However, it should not be interpreted as acknowledgment of liability or as my consent to be contacted further. 

I look forward to receiving the requested documentation. If you can not provide sufficient validation within 30 days of receipt of this letter, I expect written confirmation that you are ceasing all collection efforts and that this debt will be removed from any credit reporting agencies. 

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

I was told by 4 different companies that the inquiry they were pulling would be a soft inquiry which were all done in this the last month yet each Company did a hard inquiry without my consent. There websites said that the inquiry would not affect my credit yet they are all on my credit report and have impacted my score substantially. I am furious and need this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

One account being reported as two collections. XXXX/XXXX   XXXX  and XXXX XXXX XXXX ...
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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 is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 
This creditor as violated my rights under 15 USC 1681 Section 602, states I have the right to privacy. 15 USC 1681 604A Section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666b a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purposes. 

This serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not. 

I also respectfully request to be provided proof of this alleged item, specifically proof that these payments were in fact late. By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAANL status ( Paid as agreed, never late ) and supply a corrected credit profile to any creditors who have request a copy of my report in the last six months.

I am also requesting the description of the procedure used to determine the accuracy and completeness of the information. I have read that this must be provided within 15 days of the completion of your reinvestigation. I also read that under federal law, you have 30 day to complete your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VAXXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX Balance Owed : {$540.00} XXXX XXXX XXXX XXXX XXXX , VA XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to conduct a proper investigation into my disputes and instead accusing me of using an unauthorized third party to submit my requests. On two separate occasions, I mailed dispute letters to Experian, disputing inaccurate accounts on my credit report. I made sure to include copies of my photo ID, social security card, and a recent bill with my current address to verify my identity. 
The first letter was mailed on XX/XX/year> ( XXXX certified mail tracking number XXXX ), and I received a response dated XX/XX/year> via email. 
The second letter was mailed on XX/XX/year> ( XXXX certified mail tracking number XXXX ), highlighting the same inaccurate items in my credit report. On XX/XX/year>, I dispatched another dispute letter to Experian, highlighting the same inaccurate items in my credit report. However, the response from Experian, dated XX/XX/year>, via email, appeared identical to their initial reply. 
In both responses, Experian stated : " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. '' According to the Fair Credit Reporting Act ( FCRA ), Experian is required to conduct a reasonable reinvestigation of any disputed information in a consumer 's file. It appears that Experian has violated my consumer rights by failing to investigate my disputes and falsely accusing me of using an unauthorized third party.
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 Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account XXXX : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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

On X/X/17 I mailed the company a letter stating the following : Upon review of my current credit reports, it showed a credit inquiry by your company that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I authorized it. I did not apply for credit with your company nor did I give you authorization to pull my credit report. 

The company responded that they were authorized to access my credit report resulting in a hard inquiry because they received a delinquent student loan account from their client, XXXX XXXX XXXX. Not only have I not heard of XXXX XXXX XXXX to confirm that they were ever an owner of my student loans, but Performant was unable to provide me with proof of me having an account with XXXX  that was subsequently transferred to them, naming them the legal owners of the account. Therefore, Performant is illegally accessing consumer 's accounts. This was an unauthorized inquiry, and it needs to be removed from my account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent disputes to the credit bureaus and they have failed to send me any kind of validation providing me with proof that the accounts actually belong to me. They have violated my right under the fcra to send me proof of all accounts listed on my credit report that were disputed. Instead they add comments to my report that the information meets fcra and when comment are added to my account they each drop my credit score as if they are punishing me for asking for them to send me proof of accounts disputing belonging to m e. Equafax just again dropp ed my credit score because I made on time payments and my balance decreased. I do n't know how this can be legal your credit score should go up when balances decrease not when go down.   I recently disputed late payments from my student loans due to the fact the company knew I was in deferment but claim I never sent paper in when I called to verify it was received over a year ago only to still have them reporting negative information of late payments. When payment history was disputed fed loan only agreed to remove two late payments and when this was updated my credit scores again decreased. Thanks for any help you can give. It is sad that these credit bureaus are getting away with false information and dropping someone 's credit score because they dispute negative information and for paying your bills on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a credit card approvals. The accounts listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX