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

When I reviewed my credit report, I discovered that these items were erroneous. The credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To : Credit Reporting Agencies Subject : Request for Deletion of Unverified XXXX XXXXXXXX XXXX Account Dear Credit Reporting Agencies , I am writing to formally request the removal of a XXXX XXXX XXXX  XXXXlosed account with a reported balance of {$0.00} from my credit file. I previously disputed this account with XXXX, and after their investigation, the account was deleted from my XXXX report on XX/XX/year>. 

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ), credit reporting agencies are required to ensure the maximum possible accuracy of the information they report. Since XXXX has completely deleted this account, it is evident that the account could not be verified. Therefore, you are legally obligated to remove it as well. 

Additionally, FCRA XXXX grants me the right to request proper verification of any account appearing on my credit report. If your agency can not verify this account within 30 days, as mandated by FCRA 611 ( a ) ( 5 ) ( A ), you must delete the unverifiable account from my report.

If this account is not removed within the legally required timeframe, I will take appropriate action under FCRA 616 and 617, which grant me the right to pursue legal remedies for willful or negligent noncompliance. Furthermore, I will escalate this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office. 

I expect written confirmation of the deletion within 30 days of your receipt of this dispute. This serves as my final request before pursuing further action. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I already have disputed this account multiple times for the last 5 months and there has been no any respinse after the account information submitted has met the FCRA requirements. The account informations reporting are all inaccurate and doesnt make sense at all. The last active sates and the opening dates of this account has been varying from one bureaus to another. Under 15 U.S. Code 1681 ( e ) ( B ), this is a violation of my rights as a consumer for non compliance. Please remove these account referenced to the files attached.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. 

Inquiries not tied-up to open accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year>
Product: Credit reporting or other personal consumer reports

According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I'm requesting a 1099-C ( Cancellation of Debt ) from the following charged off accounts listed below. SALLIE MAE XXXX After checking my most current report the updated information stated the account was purchased by Credit Corp Solutions on XX/XX/year>. this account can not be reported as a charge off on my credit report if the account was sold to another lender. Please send the 1099C
Product: Student loan

I submitted a PSLF application XX/XX/2022 and resubmitted XX/XX/2022 with all required signatures and documentation. I was told by Mohela customer service staff that I was required to consolidate all loans with Mohela to be eligible for the PSLF program. I consolidated my student loan balance and the Parent Plus loans I obtained for my children. Now that the loans are consolidated Mohela claims that I have only 6 qualifying payments though I have worked in eligible public service institutions for over 20 years and have made student loan payments that entire time. I understand that the Parent Plus loans would not have reached the eligibility milestone, but my own graduate school student loans most certainly qualify. I should be permitted to either un-consolidate or have a portion of the consolidated loans forgiven through the PSLF program. 

When I call customer service, I am given inaccurate and inconsistent information, and frequently the line is disconnected rather than transferred. When I do speak to a customer service representative, they are unable or unwilling to provide answers. Most recently I was told simply not to worry, and to wait until the federal lawsuit was completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score.
Product: Mortgage

In XXXX of XXXX I started to refinance our home, with a closing date of XX/XX/XXXX and today XX/XX/XXXX I have still not closed or heard from Round point. I have spent the last 2 weeks trying to call and email to get a status on the loan. I have tried my processor and her supervisor with no luck. I have been on the phone holding for 2 hours a day to be hung up on. No one answers emails or the telephone. 
I have saved every single email and my phone records. This company has no values or customer service skills.
Product: Debt collection

A man named XXXX with XXXX XXXXXXXX XXXX keeps calling my work looking for me even after I've paid the debt off. He is harassing my job and co-workers and IT had to look into how many times he was calling. Over the course of about a month XXXX called my work over 100 times. IT has had to step in to try and block his number but they are not able to block it on every phone so his phone calls are still getting through.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please review my reports. I noticed the creditors are not cooperating with my request I need to remove this inaccurate information from my credit.
Product: Credit card

I purchased a headlight for my XXXX through XXXX, and when I received the light, I tried to install it, but it didnt work, so I sent it back, and the person who I bought from was taking long in giving me my refund back, so I disputed it with my bank, which is Capitol One debit card. They refunded me my money after a few days of me filling out the claim, and all of a sudden they put my account negative {$500.00} because supposedly I didn't send enough proofs. I have sent them all the proofs. I have even the tracking number where it shows that the sender received the headlight. Its been over a month and a half and they havent resolved my issue. They took {$500.00} from my check that was deposit from my job.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this report today XX/XX/XXXX because I found five accounts and a few inquiries on my credit report that do not belong to me. My personal information was stolen on XX/XX/XXXX including my ID and Social Security Card, I have an open investigation for that incident. I never opened these accounts or made these inquires and I did not allow anyone to open them in my name. I do not have a written/verbal contract with any of these companies nor did I gain anything from them being open in my name such as money, goods, services, or any other benefits. I did not make any transactions such as payments or purchases with any of these accounts. I filed a police report and a complaint with the CFPB regarding these unauthorized accounts. I need these accounts blocked as they are results of identity theft and do not belong to me. All my statements in this narrative are true and correct without any omission of facts.
Product: Bank account or service

i am haveing promblem getting my tax refund, i ll file my taxes with XXXX, i did file XXXX because it was rejected, but they approve it on XXXX/XXXX/15 they sent it thru, now here where the promblem begin they sent my check to a banl in california, that bank sent my funds to Bank of America, i went in with information, Bank of America said even thou you have the doucument we cant do anything about it because it in another account, where they got these number from i dont no where, i never had a Bank of America, they said that the IRS is the only XXXX that can solve this promblem but in the meantime you have my fund in that account for 6 month, the IRS SAID THEY ARE NOT RESPONSIBLE, since it a XXXX party, XXXX said that seem like identity theft, i call the police department, they came and said thid ia not indentity theft, someone made a mistake and they need to correct it, so i really hope you guys can help me out
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX Headquarters XXXX XXXX XXXX, XXXX XXXX, CA XXXX Dear sir, I have often sent a concern on your website and emails ( XXXX, XXXX, XXXX, XXXX, and XXXX ). Especially, the last one XXXX was not necessary at all ; therefore, I arranged to be opted out by myside. The other 4 emails addresses sent me the emails of credit report issued by your company, Experian, every day. Thank you for your review of complaints to CFPB. I could understand on soft inquires and credit card provider, which I do not need and have not asked at all. What I want to ask this point after checking all emails from your company emails, I would like you to answer these questions. 

I have repeatedly asked why you added XXXX XXXX. I appreciate you removed the XXXX XXXX ; however, you have not answered the situation and reason why and how the XXXX XXXX  was added. I beseech you to answer this. 

The email of XXXX disputed something on the data of XXXX/XXXX  card , which I could not recognize easily what your company had changed. But I recognized this card balance is {$920.00}, which I believe myself it should not happen. I believe I have never purchased so much, since it is a store credit card, which the people says the rate is worse than the bank credit card. Anyway, would you explain me why you wrote {$920.00}, even though I pay off every month. 

In the same email, XXXX, your company said I submitted the request of dispute on XXXX XXXX. If my memory is right and have capacity to remember, I believe I filed the dispute to the XXXX XXXX  itself on some mysterious transaction, which still on dispute with XXXX XXXX. Therefore, why you mention you have started the dispute on this credit card. 

I sincerely request your answers on the above-mentioned questions and concern. 

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

The following XXXX and TransUnion credit reporting agency ( CRA ) is reporting inaccurate information on the listed account below. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) is not complying with federal law in regards to identity theft. Additionally, the credit reporting agency has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. 

( XXXX XXXX XXXX  XXXX )
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 FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and noticed inquiries that I did not authorize. I never gave XXXX XXXX to review my credit profile. 

Equifax : XXXX XXXX XX/XX/2023, XX/XX/2023, XXXXXXXX
Product: Money transfer, virtual currency, or money service

I would like to inform you of my frustration surrounding the Zelle dispute process, given the recent CFPB lawsuit filing regarding issues on this money-lending platform. Although I am a Zelle end user, I have frequently experienced problems with transaction postings and discrepancies in reporting money receipt. My concerns went unaddressed by my financial institution and Zelle, and my only response was that my claims could not be rectified. The CFPB filing suggests Zelle has not made adequate attempts to protect consumers, thereby leaving consumers susceptible to scams and allowing their platform to be exploited for malpurpose. The party in question must be held accountable in order to mitigate concerns and uphold consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I was mailed a Debt collection letter from XXXX XXXX XXXX about a debt that I have No Knowledge of. This company has failed to provide me the original APPLICATION that I signed with them. If they can not provide me the original application, then I ask that this debt be removed from my credit report immediately.I am deeply upset about the erroneous things I see on my credit report. The accounts are unverifiable, invalidated, inaccurate, and questionable. If everything is not reporting 100 % accurately it must be removed. I hope you find out whats going on to and who the inaccurate information belongs to. Can you all clear this up quick. it is my understanding that you will do an investigation immediately. A new credit report that reflect the updated changes should be sent. You must complete this investigation within 30 days of receipt of this letter. According to law unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed. This is false and misleading information.Thanks for your help with this matter.
Product: Debt collection

Midland credit Management Amount : {$830.00} Opened : XX/XX/2021 I have called to have this removed as this is identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 got my credit reports and transunion and XXXX had report accounts and address that did not belong to me so I disputed the accounts and addresses that did not belong to me and I did the dispute twice and they still have not removed the address or accounts the accounts are XXXX XXXX XXXX XXXX XXXX acct 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 XXXXXXXX I called all these creditors and was told that these accounts belong to a XXXX XXXX XXXX and NOT XXXX XXXX XXXX and that they need to remove the accounts asap also there two address that are not mine XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX also needs to be removed asap
Product: Debt collection

They are garnishing my wages and getting almost {$500.00} a month. 

My husband lost his job and we can not afford this. I have been trying to work with them to reduce the amount of the garnishment and am willing to pay them half directly, but they will not work with me. 

We will be forced to file for bankruptcy and then they will get nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. 
Please see this complaint is processed to the letter of the law. I have disputed this XXXX and it has not been corrected. The account is still reporting wrong on my credit report but it is already closed. 
The account has been closed however, the account payment status is late. The account payment status CAN NOT be late on an account that has already been closed. The account status is wrong and should be closed. Now, I want you to correct this misinformation on my file. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. 
XXXX XXXX Date Opened : XX/XX/2014 Balance : {$0.00}
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. Upon reviewing my updates, incorrect information was still found in my reports. The Equifax 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 still reporting on my Credit Reports and need to delete immediately XXXX XXXX XXXX XXXXXXXX {$57.00} XXXX {$0.00} XXXX {$770.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX {$190.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX {$120.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX {$120.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX {$210.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX {$720.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX {$780.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX  ) XXXX {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}
Product: Payday loan, title loan, or personal loan

I received an {$1800.00} loan from TitleMax XX/XX/XXXX. I made {$380.00} in payments every other week which were automatic withdrawals and a couple manual payments. Today, XX/XX/XXXX my loan is now owing {$1800.00}. How can it be you paid more than the amount borrowed and now owe more than you borrowed?
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC Violations XXXX XXXX XXXX {$20000.00} # XXXX XXXX XXXX {$350.00} # XXXX XXXX XXXX {$66.00} # XXXX XXXX XXXX {$79.00} # XXXX XXXX XXXX XXXX XXXX XXXX  {$230.00} # XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. {$780.00} # XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$120.00} # XXXX XXXX XXXX XXXX XXXX XXXX {$660.00} # XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

Recently checking my credit report i noticed that I've been a victim of identity theft and found numerous credit inquiries i have no knowledge of here are the inquiries that I've found : XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXXXXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX. Please remove these fruadulent inquiries from my credit report. i also attached my identity theft report as well.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX  # XXXX - DATE OPENED XX/XX/XXXX XXXX  # XXXX DATE OPENED XX/XX/XXXX XXXX  # XXXX - DATE OPENED XX/XX/XXXX Unauthorized Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX