23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

The company using stalling tactics, I've sent my dispute information including a photo copy of my I.D . and Social Security card and they sent me a letter saying they don't believe it's me ==== No laws are being broking if a consumer wants to use a third party to help dispute.
Product: Credit reporting or other personal consumer reports

Account information is fraud. I reported to company account was open in my name while under XXXX  after having XXXX  XXXX/1692d, provides that a debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. More specifically, 1692d prohibits [ c ] ausing a telephone to ring or engaging any person in telephone conversation repeatedly.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in removing the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The credit agencies XXXX, Equifax and XXXX are not authorize to use my identity to list the accounts, the accounts listed are an error. I do not lawfully owe the debt listed. Provide verification of claim against me ( a sworn affidavit ) and a copy of the signed contract signed by both parties binding parties to an agreement. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

BMO Harris Bank XXXX, WI XXXX reported {$4.00} late payment on my credit causing it to drop 100 points. BMO Harris was contacted via phone on XX/XX/2017 and could not give a detail of where this information came form. I was transferred to a Dispute department and they sent me a dispute form to fill out.
Product: Credit card

Referenced to Compliant id XXXX When Trying to make a payment online the company turned off the website to make payment. I did call and was told I could make a payment online even though I said the the online payment does not go through or down. The payment was not paid on the debt XX/XX/year> so added to the first complaint the company has sent a bill will late fees. I sent you the first complaint XX/XX/year> and was in good standing but now my credit is ruined.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please know that I was not late on XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX/XXXX   XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX I wonder why Equifax, XXXX  and XXXX report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me
Product: Credit reporting, credit repair services, or other personal consumer reports

My Experian credit score had fluctuated + / - XXXX points every 2 - 4 weeks since XX/XX/2022 in spite of having no negative score factors being reported, the Experian website showing all positive key factors ( exceptional or very good ), and all positive score indicators. 

IE : Credit utilization 0 %, no late or missed payments, one auto loan with no late or missed payments, not seeking new credit, long credit history, long revolving credit history, no public records, no new inquiries. 

I have called Experian several times due to the fact that nothing has changed on my report, no negative information, and the fact that they are reporting all positive factors -- and my score is still fluctuating every 2 weeks the exact same amount of points ( XXXX  points up and XXXX  points down ). They offer no explanation other than 'the information is coming from FICO '. 

I am concerned that they are either combining my report with a different person 's or trying to get me to sign up for their credit boost program.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items. 
2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : Cushman v. TransUnion Corp. ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 

Ramirez v. TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 


Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

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

I am having problems getting access to my report. I have tried every way and only received a message to call but keep receiving an email to purchase their paid membership.
Product: Debt collection

HOLLOWAY CREDIT SOLUTIONS CALLS CONSTANTLY FROM DIFFERENT NUMBERS PRETENDING TO BE SOMEONE ELSE AND HARASSING ME LEAVING RUDE VOICEMAILS RELENTLESSLY ALL TIMES OF DAY
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXE, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX 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
Product: Debt collection

They called and left a message on my cell phone for my husband, did not give name of company, just stated XXXX needed to call XXXX XXXX part of the legal division of firm, that it would be going out today. To call her at XXXX ext XXXX. And refer to document number XXXX. I called this number back and asked what the name was asset recovery associates.
Product: Checking or savings account

on XX/XX/XXXXan ATM withdrawal of {$300.00} on XX/XX/XXXX an ATM withdrawal of {$200.00} on XX/XX/XXXX, a charge of {$2900.00} at XXXX All charges on XX/XX/XXXX were done in XXXX XXXX, Florida. Chase texted me asking if they were fraud and I replied back as yes since I live in XXXX Oregon. I asked Chase to credit my charges which they did on XX/XX/XXXX. After Chase fraud dept looked at the case, they reversed the credit back to a charge on XX/XX/XXXX. Someone fraudulently changed my address on the chase website to a XXXX XXXX, Florida address. I am trying to prove to Chase that someone changed my identity online and through the USPS to a XXXX XXXX, Florida address.
Product: Mortgage

In XXXX we got a little behind on our mortgage payments with XXXX. We got caught back up but then they sold our mortgage to Carrington before we were able to apply for Mortgage assistance. We were transferred over to Carrington as of XX/XX/XXXX. I applied for mortgage assistance with Carrington in XXXX. I sent the required documentation via USPS on XX/XX/XXXX. I received a letter asking for additional documentation so I called and asked what they needed. I was told that my husband had not signed the signature page and that they needed more pay stubs from me. I get paid one time a month so I had only sent one stub. So, on XX/XX/XXXX I sent the completed packet once again with three months worth of paystubs via USPS. I also uploaded my paystubs to their website. I received a letter dated XX/XX/XXXX claiming they are cancelling my application because I failed to provide the required documentation. When I called them on XX/XX/XXXX, the date I received this letter to find out what was going on and why they had not applied the checks they have been cashing to my account I was rudely informed that I had not turned in the required documentation on time and that they will not apply the money to my account until they have full payment. When I questioned what documents they had not received they told me my paystubs were not sufficient and that I needed to send in a letter explaining that I only get paid once a month. I informed the woman that it is clearly stated on the pay stubs the dates I am paid for. Long story short, I ended up hanging up on the woman because she was not listening. I called out local HUD agency and she referred me to you. SImply, I would like to reduce my mortgage payment because I am currently unable to pay {$950.00} per month and still maintain the other bills I have. I have requested they simply lower our 6.75 % interest rate, but they will not do that. I would like to receive mortgage assistance because I do not want to lose my home. My husband and I both work hard and have jobs, we are not trying to get out of paying our bills, we just need a little help right now. I do have documentation but it is all paper copies. If you would like me to send in my paper documentation I can. Thank you.
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my cr

edit report. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collector
s. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.
Product: Credit reporting or other personal consumer reports

I opened a dispute with credit reporting agency regarding an incorrect reporting of late payment ( 30 days ) as submitted by a lender. The credit bureau did not provide proof of any such records of the investigation. There was no documentation to confirm - I know this because the lender has yet to complete their investigation into this same issue. The credit bureau provided no proof of the delinquency which is unlawful and unfair practice, does not protect the consumer at all!
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, TransUnion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, TransUnions actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of & thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, TransUnion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure TransUnion complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that Ive mark as inaccurate XX/XX/year>2024, XX/XX/XXXX ( Late payment )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a multiple request and asking, how they verified this account as accurate. I requested the company to provide me documents validating the debt as mine but they never sent me those documents. I am not familiar with the accounts that they are trying to collect. I don't remember having this account XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$560.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX. ) XXXX XXXX : {$390.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached. The loan from XXXX XXXX XXXX  is not a mortgage or heloc and is inaccurate. Please remove this from my report. The attached letter was sent in today 's mail via certified mail.
Product: Credit reporting or other personal consumer reports

I have disputed with all three credit bureaus, regarding the XXXX child support accounts reporting on my credit report. 
All companies have reported back stating that this account was verified and updated. 
This account was last reported in XX/XX/year> as closed and it is now seven years later and it is still reporting.
Product: Checking or savings account

I have inadvertently signed up for overdraft protection with a TD Bank. I had gotten a message or XXXX saying that my account was low and they were giving me the funds as a courtesy. After a month or so they hit me with over {$600.00} in overdraft fees I had been aware that this was happening I would've treated matters differently. They were able to refund me {$100.00}. But I believe that to be far too low of a refund. I have all the necessary documentation. I believe these practices to be predatory. Thank you for your time and trying to correct the matter
Product: Credit reporting

Look identity thief is the hardest thing to fix I will not pay for help to fix it this why I have had XXXX XXXX and XXXX I will not spend the rest of my years trying to correct this. It XXXX for someone to be low life and get stuff ber my name the only credit card I have is through my bank since XX/XX/XXXX. I 'm tired of all this because that 's how companies make money not from me, I live on XXXX a month I do n't even get bye there are XXXX items that should have been removed in XX/XX/XXXX went I sent first dispute to XXXX I will not continue to do it again they failed the first time. Funny my Senators replyed to amusing.
Product: Checking or savings account

I discovered multiple fraudulent charges on my account from XXXX, after doing my taxes. I thought the money leaving my account was for arrears in XXXX XXXXt payments. When I did my taxes and found out that the entirety of my return went to XXXX XXXX it prompted me to look through my account. This is when I discovered multiple fraudulent charges, from an array of different venders. I filed a claim with Wells Fargo, which they denied, and refused to let me appeal the decision. I contacted the cfpb and they let the appeal process happen. They then denied that as well, telling me I needed to show more proof the charges werent made by myself. I subsequently filed a police report after that, as I dont really understand what other proof I can provide for them other than me telling them what charges were not made, or authorized by me.
Product: Debt collection

My Daughter went to XXXX University and she needed a parent plus loan for student aid to help pay for school. I filled out the application once in her freshman year and and during the next 4 years never received the amount that was building up for the loan. She can never repay XXXX in student dept. The XXXX is the amount on the loan associated with the parent plus loan that I have with her. She also has a loan that is in her name only that she also has to pay for now, that loan is for XXXX. 
How can the school in good faith accumulate loans that they know the student can never repay, especially at 8 % federal loan rate. 
I need help to understand the proof the lender has that i agreed to pay all this money.
Product: Credit reporting or other personal consumer reports

This is my 2nd attempt to correct inaccurate information on my credit report. 
My name is XXXX XXXX I reside at XXXX XXXX XXXX XXXX XXXX, CA XXXX. 
This should be the only address showing on my credit report and all others should be deleted. 
Please see the attachment to show proof of the above claim.
Product: Student loan

I completed my XXXX in XX/XX/XXXX at New York University, with an outstanding loan of {$97000.00} ( approximately form what I can tell form my navient records ). As of XX/XX/XXXX, I began working for a XXXX XXXX until XX/XX/XXXX. From there I started work for yet another XXXX until today. When the PSLF program was announced, I was hopeful that after XXXX payments my loans would be forgiven. My loan service provider at the time was Sallie Mae ( now Navient ) told me I would be eligible and my previous years of non-profit work would retroactively count towards service as I had been in the Income Based repayment ( IBR ) program before. They informed me that I must submit an " Employment Certification for PSLF '' form from both XXXX which would help to retroactively count my years of public service and go towards my XXXX payments. Both XXXX complied and submitted forms to Sallie Mae ( hereby referred to as SM ) as of XX/XX/XXXX and XX/XX/XXXX respectively ( I have attached in this complaint ). SM also informed me that I would need to enter into a different consolidation program to have my loans qualify, which as of XX/XX/XXXX I thought they had helped me to enter into. It was not until XX/XX/XXXX that I received information that I was actually NOT in the PSLF program that I then spoke to DoE. I was informed that I never was entered into any program and that nothing counts retroactively. Additionally, I was informed that I had entered into the wrong consolidation program. Essentially, all payments made from XX/XX/XXXX - 'XX/XX/XXXX I was paying on interest and the loan amount continued to grow as I was in the IBR plan. I am ( I think ) now in the PSLF program ( for now ) but only since XX/XX/XXXX and have only started paying down the principal as of XX/XX/XXXX. I filed a complaint with my senator 's office in Rhode Island in XX/XX/XXXX, who conducted an investigation and found that while I may be upset with Navient for providing inaccurate & false info, the fact is, I should have filed with DoE, which I was not informed of by Navient and was told that I was following the appropriate course of action. I have dedicated my career and education to economic development in the developing world and thus have worked only for XXXX XXXX XXXX that do indeed comply with the criteria set forth by the PSLF program, but have been given years of misinformation by my loan providers which have likely cost me thousands in additional payments.
Product: Debt collection

I was a victim of identity theft or my identity was compromised the following accounts and debts showing on my account I did not own I have no knowledge of the debts I became aware of it on the date XX/XX/XXXX and I added fraud alert on my account on XX/XX/XXXX which I have on my following account and I am trying to resolve these two accounts and disputed with XXXX XXXX and which I don't know off these two accounts one with XXXX XXXX and XXXX with the XXXX XXXX  I already submitted a dispute on XX/XX/XXXX with credit bureau XXXX  and the dispute was not in my favor I have also added a security fraud alert with XXXX  I request for the removal of the debts and update my credit report.
Product: Credit card or prepaid card

I opened a Chase credit card XX/XX/XXXX with the promise of XXXX SW points. I was recently informed that my remaing XXXX points expired XX/XX/XXXX because I did not have any points earning activity in the past 24 months. However, I do not believe this should have occurred. All of my points came from my Chase credit card and I went back to the terms and conditions of this card. Here is what I was promised in those terms : TERMS AND CONDITIONS : Points do n't expire as long as you have flight or Partner earning activity every 24 months. No Blackout Dates and Unlimited Reward Seats apply to flights booked with points. I had a flight on XX/XX/XXXX. Therefore, I met the first par of the " either or '' requirement to prevent expiration of points. Southwest told me that I needed to have a flight that I paid for with cash, and since I used points to purchase my flight, it did n't count. The credit card terms and conditions do not specify that the flight could not be purchased with points, it merely states that I needed to have a flight. For this reason, my points should not have expired. I would like for Chase to reinstate all of the remaining points ( XXXX ) earned from the credit card as I met the terms of their agreement. If the terms require a southwest flight purchased without points, the Terms and Conditions should specify that. *I attached a copy of the email sent to me by Chase that confirms my points would not expire so long as I had a flight in the past 24 months.