23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had insurance with XXXX XXXX in 2021. I was involved in an accident in XX/XX/2021, and submitted a claim to XXXX XXXX. After having horrible issues with the claims process, I CANCELLED my policy with XXXX XXXX effective XX/XX/XXXX. I switched my insurance to XXXX XXXX. XXXX XXXX DOES NOT allow you to adjust your policy online. I called XXXX times and spoke to a person EACH time and cancelled my policy. Yet, XXXX XXXX continued to keep insurance on XXXX of my vehicles ( the one that was in an accident ), even though I cancelled it XXXX times. Now, Credit Collection Services is attempting to collect on this alleged, disputed account when I DO NOT OWE XXXX XXXX a dime. They have placed it on my credit report, which has dropped my score over 60 points, and I have PERFECT credit. I am in the middle of a refinance on my home, and this is preventing me from closing.
Product: Credit reporting or other personal consumer reports

I am writing once again to follow up on my previous disputes regarding the inaccuracies in my personal information appearing on my credit report. My initial dispute letter was sent on XX/XX/XXXX, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. Additionally, I sent a follow-up letter on XX/XX/XXXX, but I still have not received a response. To reiterate, my correct and up-to-date personal information is : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, NY XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX In my initial dispute, I provided supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to validate my identity and substantiate my claim. However, the inaccurate addresses remain on my credit report, which is unacceptable. 

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to investigate disputes and correct any inaccurate information within the mandated timeframe. Your continued failure to address this matter not only violates my rights but also raises concerns regarding compliance with federal law. 

I am formally requesting the following actions : Immediate removal of the erroneous addresses from my credit report. 
An updated credit report reflecting the corrected information. 
Written confirmation of the actions taken to resolve this dispute. 

If I do not receive a satisfactory response within 10 days of receipt of this letter, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action. 

XXXX XXXX  XXXX
Product: Debt collection

Afni, inc. has falsely reported information about me to the credit bureau, and it has negatively impacted me. I am in the process of buying a home and this is preventing me to move forward. The debt says it 's an XXXX & XXXX XXXX account, which I 've never had. I 've been a XXXX customer for over 10 years. I pay my bills, and everything on my report is positive except for this false collection. So that I could move forward with my home loan I even contacted Afni to pay the debt ( even though it 's not mine ) if they would remove it from my credit report. They declined. It makes absolutely no sense to ruin someone 's life for absolutely no reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXXEquifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX Balance : {$24000.00} ; XXXX XXXX XXXX XXXX Balance : {$25000.00} ; XXXX XXXX XXXX BAlance : {$0.00}
Product: Checking or savings account

I opened an account at bank of america, ove 20 years ago. I was told that no fees would be charged on my account as I have direct deposit. I just noticed that {$28.00} monthly fees have been assessed on my account erroneously. I attempted to speak with a supervisor and i was denied the opportunity to do so. I am requesting that Bank of America is contacted for an investigation
Product: Credit reporting or other personal consumer reports

Please delete all fraudulent accounts and hard inquiries off my credit file from Experian, XXXX, and XXXX immediately. 

XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. I have already contacted the XXXX XXXX XXXX and filed a complaint # XXXX. I kindly request that you block and eliminate all information from my credit report and provide me with an updated copy of it in accordance with FCRA 605B ( 15 U.S.C. & 1681 c-2 ), which mandates the removal of these accounts within XXXX Business Days of receipt, I urge you to block and remove all information related to Identity Theft. XXXX. XXXX XXXX  Account number : XXXX. Moreover, in accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I am demanding actual proof that the information was verified, rather than a computer-generated confirmation. Please provide the following : 1. The names and business addresses of each individual with whom you verified the information above, so that I can follow up. 2.The date on which you contacted the individual information furnishers. 3.The method of communication used to verify the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1692B Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; not state that such consumer owes any debt ; not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; not communicate by post card ; not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; and after the debt collector knows the consumer is represented by an attorney with regard to the subject debt and has knowledge of, or can readily ascertain, such attorneys name and address, not communicate with any person other than that attorney, unless the attorney fails to respond within a reasonable period of time to communication from the debt collector.
Product: Credit reporting or other personal consumer reports

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, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT PER THEIR WEBSITE! 

I have disputed these fraudulent inquiries multiple times with Transunion and they kept ignoring my request. So i'm filing a complaint against their company as they are not taking my credit seriously and this is affecting my credit worthiness. Again I recently reviewed my credit report and noticed several unauthorized inquiries. Please remove these immediately as they do not belong on my report, and they are affecting my quality of life. I am being denied because of these excessive UNAUTHORIZED inquiries and they need to be removed immediately.
Product: Student loan

I am a cosigner of my granddaughters student loan back in 2003 through XXXX XXXX. When payments were not made they sent me a letter and I made sure the accounts became current. XXXX XXXX split off or sold to Navient. I was not notified and had not heard anything for a long time. This past Monday I was paying a bill online and notice my FICO score went from XXXX to XXXX. I immediately printed my credit report and found to my surprise Navient reporting late payments. I called Navient customer service in XXXX and they looked and said they email notices. Number one they did not have my email on file so she changed it. I followed the instructions of disputing the drop in score and sent part of my credit report and a letter about them not notifying me about anything. I had intentions of giving them an opportunity before making a complaint but in my email of Monday when they added it they also sent another email and in the account they showed where they had sent emails. They did not have my email address until Monday so it seems they are trying to get out of admitting the problem. What I want is my credit as it was. I noticed online that Navient has many complaints against them.
Product: Checking or savings account

order placed with XXXXXXXX on XX/XX/2020. Merchandise was never received. contacted XXXX via chat XX/XX/2020 and advised Merchandise was never delivered nor signed for as stated adult signature REQUIRED. XXXX chat agent told me the driver just left it at my front door. I advised them nothing was left at my door as I have security cameras. then they advised me maybe it was misdelivered to a neighbor etc. and to check with them I declined. as that is not my responsibility and for my safety, I do not associate with any of my neighbors we do not get along. the agent said she completely understands that and asked if I would like a replacement or refund. I said a refund. they advised me they have issued me a full refund for the order. after not receiving a refund show up by XX/XX/2020 I decided to dispute the transaction with my financial institution ( Axos Bank ) Axos Advised me by email on XX/XX/2020 I will get a provisional credit for the full amount of the transaction and have use of the funds until the outcome of the investigation. within 1.5 hours of that email, I receive a second email stating they have concluded the investigation and the claim is being denied as they have found no error has occurred. I then miss a call from AxosBank within an hour of that email. I call them back and ask what is going on with the Account and transaction as I have noticed I am unable to login to online banking. I was advised by " XXXX '' that it is temporary and only will be for a few hours while they work on the disputed charge. witch sounded very sketcky with me but I said alright. However i told her the email i got said the case is close and has been denied. I requested a manager/supervisor to esclatete this case. nobody followed up with me I then sent them a email for request of the documents and how they concluded no error has occured. I got a call from axos and was advised there is no documents he called XXXX and somebody by the name of XXXX told him there is no error with the order. the product was delieverd to my house. the claim is denied. I asked for proof of any of this none was and will not be provided to me. he then told me they wiont have any documents unless they submit the chargeback to XXXX and they will not be doing that. he advised me I need to contact XXXX to correct the problem. They also at that same time ended the banking relationship with me. I have then contacted XXXX AGAIN via chat support. on XX/XX/2020 a XXXX XXXX told me XXXX did process the refund and I will be recieving it before XX/XX/2020 I am unable to verify the validity of this as AxosBank has restricted my online account access and is ignoring my requests to assist me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX SS XXXX My name is XXXX XXXX XXXX am filing a complaint on my own behalf I am not a 3rd party or an attorney. I have a few accounts that are showing me at 30-60 days late and at the time my income was affected by the Pandemic shut down. I am aware that the CARES ACT was allowing for consumer protection under the CARES act with creditor offering accomidations. I have on my XXXX XXXX XXXX XXXXXXXX XXXX # XXXX date XXXX, XXXX are showing late pays I have since paid my account off in full and I would like my account to reflect the current status. 
I have two addresses on my file that I never lived at these address, they belong to my EX-girlfriend I have nothing to do with any of these addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, OHXXXX  Please delete/remove them asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, this account is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 


Account name XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX, XXXX. ) Account number XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. 




Thank you for your time and help in this matter. 


XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB Representative, I am writing to formally dispute the negative items reported on my credit report by TRANSUNION and EXPERIAN.These items have repeatedly been marked as verified without any substantiating documentation being provided to me. Specifically, there are three Charge-Offs that I believe do not belong to me. Despite my many requests, the credit bureaus have not provided any proof that these accounts are indeed mine.

I urge the CFPB to intervene and ensure that these unverified negative items are removed from my credit report immediately, as they are affecting my credit standing. 

Thank you for your attention to this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The Credit Bureaus are in violation of section 15usc1681i ( a ) 6 ( b ) 3. This section ensures that consumers have the right to know who provided potentially inaccurate or unverifiable information so they can follow up directly or take further action if necessary. If a credit bureau fails to comply, It is violating the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a security freeze on my Experian account since XX/XX/2009. I have successfully lifted the freeze temporarily several times using my PIN. This is no longer working for me, even though I entered the information correctly, including my PIN. The only option to unfreeze my credit that was provided by Experian is to mail a letter and copies of documents containing my personal information to them through USPS. This is unacceptable, as it : -Requires additional expense ( especially since these documents should be sent via certified mail as they have sensitive data ) - so this is no longer a free service -Takes too much time - I need for my credit to be available today, not two weeks from now. 

There are no customer service options - if I could talk to a real person today, I'm sure he or she could unfreeze my report and all would be well. It's unacceptable that it is impossible to talk to someone about this and the only option is to mail documents through the mail.
Product: Debt collection

XXXX XXXX XXXX  charge off {$XXXX} and sold the debt to Resurgent Capital Services
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these amounts from my report, they are hurting my ability to obtain credit.
Product: Debt collection

I have no business relationship with PENN CREDIT CORPORATION. They opened an account in my name without my knowledge, authorization, and consent. I do not have a contract that i signed with them that makes me obligated to pay them anything. This is fraud, identity theft, and extortion. There is no agreement between myself and PENN CREDIT at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I recently was looking at my XXXX XXXX as it has been a while since I looked at my credit score. Due to this whole corona virus thing I was told by my family to make sure all my credit is accurate. On XX/XX/XXXX I noticed a handful of things inaccurate which I'll explain and show you pictures. On My file it shows a Company XXXX and says I owe them {$370.00} this 100 % fraud and never approved from me. There parent company I called and they had no idea what I was talking about. XXXX I called on XX/XX/XXXX and the customer service rep she had said she would remove the entire thing after speaking to her for 20 minutes. However she than said didn't have the authority and I said call each credit agency and dispute this since it is not mine and couldn't be validated. Next up Late Fee 's I admit I had made mistakes however last year In XXXX I spoke with XXXX XXXX which also goes by XXXX about car loan. They had said they would remove XX/XX/XXXX & XX/XX/XXXX late fee 's as a courtesy however today It is still on there. Another car loan XXXX XXXX XXXX  had also said they would give me a courtesy and remove a late fee from XX/XX/XXXX since I always pay on time. They were very understanding. However it was never updated to any credit branches. I also have a few hard inquiry pulls that I have no idea about and I believe them to all be fraud because I don't recall going to these banks or applying for anything with the following companies XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX and XX/XX/XXXX XXXX. These are all 100 % not authorized by me. I called a few of thing but there lines were over an hour long. One of the companies did tell me that all the companies would have my signature if I applied with anything with them. I know I didn't on those dates with those companies so I am looking for all that to be removed from my report and everything else mentioned. Thank you.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX/XXXX  # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX/XXXX  # XXXX Account Name : XXXX/XXXX/XXXX  # XXXX Account XXXX : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  # 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 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 XXXX 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 or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX account continue to report with lout authorization or consent for the account to even be opened. This account was open fraudulently during the COVID pandemic. The company offered not type of relief in the middle of a global pandemic, didnt offer deferment or any type of arrangements, not give relief based on the account being opened without consent.
Product: Debt collection

On XX/XX/year> and XX/XX/year> due to a data breach from XXXX and XXXX. I requested that National credit systems provide a contract showing proof of my wet signature bonding me to this contract per FCRA 609 ( a ) ( 1 ) or to be removed from my credit profile immediately. The request I submitted they stated the debt was identified as accurate with no proof.
Product: Debt collection

I sent a debt validation letter on XX/XX/2021 and this company has failed to validate the debt. Instead they sent a list of my medical records which I know is a direct violation of HIPAA regulations. I never signed a HIPAA form authorizing them to have access to this information. Please delete this information from my credit file and cease all collection activities immediately.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft and no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the listed account Bankruptcy XXXX  XXXX Date Filed/Reported : XX/XX/XXXX  Reference # : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax - I have sent over 4 dispute letters to Equifax all by certified mail and requested to remove unauthorized inquiries on my credit report and they have yet to remove it. There are also inquires that I DID NOT AUTHORIZE on my credit report and Equifax has FAILED to provide me any sort of documentation to prove that I indeed authorized it. The company has been in violation of the FCRA for over 90 days now and I would like some action taken to get this resolved. I will be sending a letter to the attorney general of XXXX  about this matter if it continues to not get resolved. I am starting with the CFPB to see if this will get resolved first. If it doesn't then I will take it as far as I have to until it is resolved. EQUIFAX is clearly breaking the law and don't give a XXXX! I am a retired XXXX XXXX Veteran and I feel extremely disrespected by Equifax. I have many veterans who feel the same way. If this doesn't get resolved ASAP then I will be contacting an attorney to move forward with a lawsuit. 

Dates:XX/XX/XXXX - XX/XX/2021 Actions Taken by Me : Sent 4 dispute letters to Equifax by Certified Mail.