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

Ive been a victim of identity theft since XXXX along with the XXXX data breach and an another breach leaking all my info including bank accts social and logins. Due to all of this i now have accounts on my report from discover, XXXX XXXX, XXXX XXXX, XXXX, XXXX, another discover, a utility, and 9 accounts opened but closed by creditor right away. I hsve over 160 inquiries, my name on my reports has 8 different spellings. XXXX XXXX sent multiple emails dated back to XXXX declining some transactions and alllwimg some. Ive attached photos. They then credited me back for all of it. Discover and all the accounts opened without my knowledge are not helping. Ive filed 2 police reports 2 ftc reports, closed my account with XXXX XXXX but all the accounts in both ftc identity theft reports are not mine. This is affecting my life. I have disputed them 3 times with proof. They even used my bank accounts to pay on open accounts. XXXX did conclude it was fraud and reimburse me but the creditors have sent some to charge off including late payments and none of this is mine.
Product: Mortgage

My current home loan is at 74.4 % LTV, I have requested that PHH Mortgage drop the PMI on my loan. This should have been done automatically when I hit 78 % or below. They are refusing to drop the PMI because I had one delinquent payment in the past year 5 months ago. The loan is current and has been current since. Requirements state that they have to drop PMI automatically once the loan is below 78 % and is current. PHH is refusing to comply with this requirement. I have requested this by phone and in writing, and they refuse to comply with my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the FCRA I, XXXX XXXX request that LexisNexis immediately notify XXXX, XXXX, & XXXX  of the folllowing : That the bankruptcy items XXXX & XXXX are deleted from my file. And to provide me with a copy of said communication. Under the FCRA and as per LexisNexis, XXXX XXXX has the right to : - Request that LexisNexis furnish notification of the deletion of disputed information or a dispute statement to any person specifically designated by him who has received a LexisNexis consumer report for employment purposes within the past two years, or received a LexisNexis consumer report for any other purpose in the past six months ( twelve months for residents of Colorado, Maryland, and New York ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize ANY of these inquiries on my credit report. 
Creditor : XX/XX/XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XX/XX/XXXXInquiry Date : XX/XX/XXXX Creditor : XX/XX/XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX Inquiry Date : XX/XX/XXXX Creditor : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX Inquiry Date XX/XX/XXXX Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : US SM BUS ADMIN ODA Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XX/XX/XXXX Inquiry Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

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 an account without my written instructions. 

Investigation Request Letter To whom it may concern, I have received a copy of my credit report, with the intention of trying to improve my credit and take care of my responsibility. I noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am saying that I am not 100 % sure if they are. I also read something called the fair credit reporting act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of. This is why I am writing to you all. 

Are you familiar with something called 15 U.S.C section 1681i ( a )? I heard that if you can not provide proof, these accounts must be deleted. I want these accounts deleted if they are not 100 % right and accurate. So, could you please check on these and get back to me? I saw on a Credit site and board where this lawyer said you have 30 days to complete this investigation. Please investigate all of my accounts and remove them if anything is missing or not correct. 

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 Inquiries XXXX  XXXX XXXX  XXXX XXXX
Product: Debt collection

Calling leaving messages asking can i pay this debt, i honestly thought my insurance covered this matter i was supposed to have insurance through the marketplace XXXX but they said my insurance did n't go through. I was paying my insurance but they said my information was n't complete.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Dispute of Inaccurate Credit Reporting by Experian under the Fair Credit Reporting Act ( 15 U.S. Code 1681 ) Dear CFPB Representative, I am writing to formally dispute the inaccurate and erroneous information reported by Experian on my credit report. This reporting violates 15 U.S. Code 1681 under the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies maintain accurate, complete, and verifiable information. 
Upon reviewing my credit report, I have identified the following inaccuracies : Collections : THE BUREAUS : amount {$300.00} XXXX XXXX XXXX  : amount {$410.00} Closed accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX Inaccuracies or fraudulent accounts : Property XXXX XXXX XXXX : amount {$20000.00} XXXX XXXX XXXX XXXX : amount {$14000.00} XXXX XXXX XXXX : amount {$9700.00} XXXX XXXX XXXX : amount {$8600.00} Despite my previous efforts to resolve these inaccuracies directly with Experian, they remain unresolved. These errors are negatively impacting my credit score and financial standing, and they must be corrected immediately.

Under the FCRA, Experian is legally required to : 1. Ensure accuracy in its reporting ( 15 U.S. Code 1681e ( b ) ).

2. Conduct a reasonable reinvestigation of disputed information ( 15 U.S. Code 1681i ). 
I respectfully request that the CFPB intervene and conduct a formal investigation into XXXX failure to comply with its statutory obligations. Furthermore, I request the immediate correction or removal of this incorrect information from my credit file. 
Enclosed Supporting Documents : A copy of my credit report, with the disputed items highlighted. 
Copies of all correspondence with Experian regarding this matter. 
Any supporting documentation proving the inaccuracy of the reported information. 
I kindly request a written response from both the CFPB and Experian detailing the results of the investigation and any corrective actions taken. If Experian fails to comply, I am prepared to escalate this matter further, including seeking legal remedies for damages caused by their reporting violations. 
Additionally, I am submitting this complaint through the CFPBs official complaint portal ( www.consumerfinance.gov/complaint ) for timely processing. 
Please confirm receipt of this dispute and advise me on the next steps in the resolution process. Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding inaccuracies on my credit report that I have previously disputed without resolution. Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), I am entitled to accurate reporting of my credit information. Furthermore : - The FCRA requires credit bureaus to investigate disputes within 30 days and provide corrections for errors.

- Lenders and servicers are obligated to provide accurate and truthful information to credit reporting agencies.

Specifically, I have identified the following issues related to my student loans : 1. Duplicate Accounts : - My credit report reflects duplicate entries of the same student loan account ( s ), which inaccurately inflates the total amount of debt reported. This duplication negatively impacts my creditworthiness and misrepresents my financial obligations.

2. Incorrect Payment History : - The payment history for my student loan account ( s ) is inaccurate. Despite having made on-time payments, my report reflects late payments or other discrepancies that are false. This is both misleading and damaging to my credit profile.

Actions Taken : I initially identified these errors months ago and promptly contacted all 3 credit bureaus and loan servicers to dispute the inaccuracies. I submitted all supporting documentation, including relevant documents, loan statements, payment receipts, and correspondence to substantiate my claims. Despite allowing the 30-day timeframe stipulated under the Fair Credit Reporting Act ( FCRA ) for resolution, the inaccuracies remain unresolved.

Impact : These errors have caused significant harm, including : - Inaccurate reporting of my credit obligations and payment reliability.

- Lowered credit score, resulting in difficulty obtaining loans, higher interest rates, etc I trust that the CFPB will assist in ensuring my rights are upheld and that these errors are promptly resolved.

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

Im writing to notify you I was a victim of identity theft and data breach that has impacted my credit and financial information. as such I request that you block and delete all accounts related to the following agencies from my credit report. 

1. XXXX XXXX. 
2. XXXX 3. XXXX 4. XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian is reporting XXXX XXXX but the illegally repossessed my car. They stole my property inside my car and didn't inform in writing of the auction. This is illegal in Michigan. Also, I told them I moved but they sued me at the wrong address wrong county.Please remove this immediately.
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. 

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 has violated my rights. Or 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 or other personal consumer reports

I was looking over my credit report and saw a hard inquiry from US Bank on XX/XX/year>. I called US Bank and provided them with this information. They looked me up by my social security number and I was told I never had any inquiries with them. I was instructed to fill out a fraud report by a transition representative because a hard inquiry is showing up from US Bank but US Bank has no history of me ever applying for anything.
Product: Debt collection

I received notification from XXXX XXXX of a Debt Collection on my report. I look into the claim and its ITEM IN DISPUTE : HWARFIELD XXXX XXXX XXXX XXXX XXXX XXXXXXXX DISPUTE REASON : Ownership I contacted HWarefield and told them this is fraudulent. They asked me to send my personal information information which i refused. This not my debt. I have never personally done business on any level with these people. 

I need this removed from my credit report as soon as possible Thank You
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, I notice XXXX XXXX XXXX, reported that a charged off / " Paid, Closed {$29000.00} written off, '' comment. Since I was not the rightful / legal owner of the XXXX XXXX XXXX. Due to XXXX XXXX XXXX dealership illegal activities during the sales transaction. I have requested on several occasions to remove this item from my credit report or place it in Dispute status, they refuse to response back. I am requesting that all negative responses be remove and updated immediately, including comments like these : " derogatory, Charged off as bad debt, etc. '' I am also requesting validation, made pursuant the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. along with the corresponding local laws. Please note that I am requesting " validation, '' that is competent evidence bearing my signature, showing that I have XXXX or even had XXXX some contractual obligation to pay. Please also be aware that the negative mark found on my credit reports from your company that you represent, for a debt that I do n't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, YOU MUST REQUEST THAT ALL CREDIT REPORTING AGENCIES DELETE THE ENTRY. Pending the outcome of my investigation of any evidence that you submit you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 5 business days of receipt of this message may result in legal action against your company at my local venue. I would be seeking a minimum of {$15.00}, XXXX in damages per violation for : Defamation, Negligent Enablement of Identity Fraud, and the list goes on. This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

Desired Resolution / Outcome Desired Outcome : Failure to respond within 5 business days of receipt of this message may result in legal action against your company at my local venue. I would be seeking a minimum of {$15000.00} in damages per violation for : Defamation, Negligent Enablement of Identity Fraud, and the list goes on. This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. Also, that all derogatory and negative marks / responses be remove and updated immediately.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I fully settled a debt with a collection agency related to a credit card account originally held with XXXX  XXXX XXXX. The collection agency assured me that, upon settlement, the charge-off status would be removed from my credit report. Despite this, the charge-off remains on my report, negatively affecting my credit profile. 

I disputed this with Experian, and while some information was updated, the charge-off status still appears inaccurately. The balance on the account should have been updated to {$0.00}, but it has not been corrected. This is a violation of FCRA XXXX ( b ), which mandates that credit reporting agencies maintain maximum accuracy in the information they provide. 

Additionally, the charge-off has been reported repeatedly across multiple months, from XX/XX/XXXX to XX/XX/XXXX, creating the false impression of an ongoing charge-off event. This practice, known as re-aging, inflates the negative impact on my credit history, violating the accuracy standards set by the FCRA. 

Furthermore, under FDCPA XXXX ( XXXX ), the collection agency 's failure to remove the charge-off despite promising to do so upon settlement constitutes a misrepresentation of the debt status. 

Requested Resolution : I request the complete removal of the charge-off from my credit report, as this information is inaccurate, misleading, and a violation of both the FCRA and FDCPA. The presence of this charge-off is unjustly affecting my XXXX XXXX, and I expect it to be corrected promptly.
Product: Mortgage

I provide my credit score that I got though my free XXXX credit score though Huntington bank. When I applied for a HELOC thought Huntington they told me my score was XXXX points lower then what my free score said. I was told that they used my XXXX score. This feels like a bait and switch and changed my interest rate by 3.5 %.
Product: Credit reporting or other personal consumer reports

Despite my previous attempts and your assurances, the fraudulent items have not yet been removed from my credit report. This continued presence of unauthorized charges is deeply concerning and detrimental to my financial well-being. 

I urge you to take immediate action to rectify this matter by promptly removing the fraudulent items from my credit file. These inaccuracies not only damage my credit history but also pose a significant risk to my financial stability and reputation. 

Furthermore, I request transparency regarding the progress of your investigation into these fraudulent entries and the measures being taken to prevent similar incidents in the future. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX MAIN XXXX, TX XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$21000.00} ; XXXX  XXXX Balance : {$1100.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/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 XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$20000.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance XXXX {$1100.00} ; XXXX XXXX  XXXX Balance : {$21000.00}.
Product: Student loan

Harassment ( multiple calls and emails nearly every day ), unwillingness to give me an affordable monthly payment ( $ XXXXa month is well over 50 % of my income ), I was told that if I payed less, they would n't accept it, Demanded that I pay XXXX of dollars before they would renegotiate my monthly payment.
Product: Credit reporting or other personal consumer reports

My son is a XXXX, and he was involved in a traffic accident where he was labeled as at fault. He was in his mothers vehicle, but was not listed as a driver. The insurance company assumed I was the driver because of our names are similar, and it has directly affected my way of life. I have been forced to deactivate my trucking company because of outrageous insurance quotes and I have been refused employment because of this.
Product: Debt collection

I owe a fiance company XXXX I paid what I owe left on the loan which was XXXX after garnishment they still havent recieved the money from my employer so they r still within money from my check every week I have to get this issue resolved by contact my employer and cant seem to get the issue fixed because they havent sent the money to the garnisher I have created a case with them on XX/XX/2021 and still has yet to be done about and it's still coming out of my pay check every week which is on Friday and it came out again on XX/XX/2021 that was the first time they took the money since I went and payed them the rest of what I owe them on which I paid it off XX/XX/2021 XX/XX/2021
Product: Debt collection

I was seen and treated at XXXX XXXX in XXXX XXXX from XX/XX/XXXX - XX/XX/XXXX. I had just turned XXXX XXXX XXXX and was in my first year of college during XXXX  when I suffered XXXX. My dad came to be with me, although he had to stay in his car and at a hotel because he could not physically be with me most of the time. He was able to sign paperwork as the financially responsible party and provide insurance information. 

XXXX XXXX billed our insurer ( XXXX XXXX of Illinois ). The claim was processed by them on XXXX We were billed for the amount not covered by insurance. That amount was paid to XXXX XXXX promptly and without issue. 

In XX/XX/XXXX, I received a letter from The Law Offices of Mitchell D. Bluhm & Associates , LLC, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX TX, XXXX, saying that they are attempting to collect an unpaid medical bill from XXXX XXXX XXXX, which bought a written-off account from XXXX XXXX XXXX XXXX XXXX IL XXXX based on medical care I received during the hospitalization referenced above. 

I was never billed for this care by XXXX  XXXX XXXX ( XXXX XXXX, XXXX  ), or by XXXX XXXX, XXXX. Not a single written bill was received, not a single phone call was received to tell me that I owed for this care. Despite the paperwork that my dad signed at the hospital and the insurance information he provided ( as shown by the hospital 's actions for the amount owed to them ), XXXX XXXX XXXXXXXX did not bill my insurance for their care. At least some portion of this bill would have been paid by my insurer. 

Now, over two years later, I am being asked to pay the entire amount for care that would have been covered by insurance if XXXX  XXXX XXXX XXXX, would have billed my insurer as I instructed them. My credit has been damaged by both a write-off and a collections action for an amount that would have been paid years ago if I had received one bill in the mail or a phone call notifying me of an amount due. There is no indication that my address or phone number weren't available to them, as I have received letters and phone calls from the firm attempting to collect the amount. 

This is an unacceptable course of action for a medical group, particularly given that I was ill, young ( had turned XXXX less than one month prior to this hospitalization ), away from home, and in the midst of the XXXX pandemic. 

At my authorization, my parents have spoken to representatives at Mitchell D. Bluhm & Associates, including " XXXX, '' to explain the issue and request itemization, which was received. This office has no interest in the circumstances of the bill. Our insurer has spoken with representatives at the office of XXXX  XXXX XXXX XXXX, who has referred them to the collections agents.