23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX has me at a score around XXXX. 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 us 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 XXXX 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.with no help.
Product: Credit reporting or other personal consumer reports

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a Power of Attorney to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX  My parent has the same name as me XXXX XXXX - Account XXXX Please ensure that all information is accurate XXXX XXXX XXXX  Account XXXXXXXX  I need to see all bank transactions that belong to this company that would prove my payments were not accepted on time or you need to remove these unverified late payment XXXX XXXX XXXX XXXX XXXX - Account XXXX
Product: Debt collection

I had a repossession in XXXX and now there is a debt collector is garnishing my bank account for a total amount of {$26000.00} for a XXXX XXXX XXXX. I contacted XXXX XXXX and they do not have anything of a debt from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have uploaded documents to Experian to demonstrate that I do not owe on a XXXX XXXX student loan. I have provided proof of earlier credit reports, as well as the statement from XXXX from XXXX years ago regarding this matter. Experian lists the wrong number for XXXX ; therefore, I can not contact them to have a discussion about this, and XXXX won't respond when you call numbers available to search on the Internet. I can not have been 60 days past due in XXXX when the debt was paid in full in XXXX. They are doing this to re-age a debt and keep it fraudulently listed on my credit. The financial services industry is in complete chaos, and I am getting ready to initiate a lawsuit against all parties responsible for this. I am tired of having my credit tarnished when I have specifically chosen not to have any credit at all since the XXXX of XXXX. I don't want to participate in this insanity. Please appropriately regulate these industries. They are colluding with the government to engage in the wholesale fleecing of the American public.
Product: Debt collection

Transworld System Inc placed this XXXX on my credit report with sending me a 5 day notice. I never had I opportunity to investigate what this debt is all about. Show proof you sent me notice however I know for a fact I never got anything in the mail. This collection must be deleted immediately. 

Account : Transworld System Inc XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and noticed that Experian was reporting  XXXX  tax liens. I then sent dispute letters to Experian to get verification of these tax liens that are showing on my credit report. I received letters back from Experian stating that these liens had been verified. I immediately placed a call to the courthouses and verified that they do not report to Credit Bureaus so I requested the method of verification since Under FCRA , sec 611 ( a ) ( 6 ) and ( 7 ) I have t he right to request the method of verification from the credit bureau. And if they can provide me with the information they need to remove this tax lien.     I have yet to receive this information
Product: Credit reporting or other personal consumer reports

After viewing my credit report I noticed there are inaccurate information being reported to each credit bureau. This inaccurate information is hurting my ability to obtain credit. 

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 This account has violated my rights. I have no knowledge, contract, or agreement with this company. I am not liable for this debt. 
This account is also listed twice on my report. This is unlawful and both XXXXXXXX XXXX accounts should be removed. 

XXXX XXXX XXXX XXXX After viewing my credit report I noticed there are inaccurate information being reported to each credit bureau XXXX This inaccurate information is hurting my ability to obtain credit. The payment status, opening date, last payment dates, past due balance, and last active date are all inaccurate. This account should be removed immediately. 
. 
XXXX XXXXXXXX : XXXX This account is being wrongfully listed as charge off. This account has been paid off and should not be listed as a charge off. This is hurting my ability to obtain credit and should be removed immediately. 

XXXX XXXX XXXX : XXXX I have no knowledge, contract, or agreement with this company. Therefore, I am not liable for the debt balance of {$1500.00} This account extremely limits my ability to obtain credit. Please delete. 

XXXX XXXX : XXXX I have no knowledge, contract, or agreement with this company. Therefore, I am not liable for this debt.This account extremely limits my ability to obtain credit. Please delete XXXX XXXX : XXXX This account is reporting misinformation. The open date is incorrect. The credit limit is not accurate across the reporting agencies. 
The last payment dates are completely inaccurate. Please remove from my credit report immediately. 


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 card or prepaid card

Chase Preferred Credit card XXXXmiles. Product was advertised : make XXXX in purchases and receive XXXX points. I spent more then XXXX. My credit card was immediately closed by the bank for the reason of a rapid increase in a revolving line. That made a statement of spending XXXX a false advertisement!!! 2nd reason was not enough information on a credit report. I have 8 years of excellent credit. So obviously it was used as an excuse. Prior to 8y ago I moved to the US from overseas. I'm U.S citizen and I see both reasons as a complete non-sense
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC 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, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please remove the accounts below from my file : XXXX CARD XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX  XXXX  XXXX, XXXX  XXXX  XXXX  XXXX, XXXX XXXX  & XXXX XXXX and XXXX  AND XXXX. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Product: Credit card

When I attempted to pay off my credit card balance to avoid accruing interest, the payments went straight to the flex pay balance. So now my credit card bill is at {$7700.00} and my flex balance is at {$6300.00}. When I attempt to pay my balance that is not including flex pay, the " Adjusted balance + flex payment '' is XXXX. And if I tried to pay the balance, it would just go straight to the flex balance.
Product: Money transfer, virtual currency, or money service

XXXX XXXX is blocking me from enabling external applications
Product: Student loan

As of XXXX 2017 I started getting calls from a " debt collector '' called XXXX XXXX XXXX XXXX. I looked them up and saw repeated reviews of them being a scam and being very abusive. Since XX/XX/XXXX I must have blocked about 10 phone numbers because they would call me over 10 times a day. I got another phone with a new number. I can still check my old phone messages and still see that they are continuing to harass me. They are not my original creditor. My original creditor said they could not work with me on my monthly payments which would be over {$650.00} a month. I am stuck. After taxes, rent, healthcare, chip support, and utility bills I only have {$10.00} to live on while supporting my wife and XXXX XXXX. This XXXX XXXX XXXX is being abusive and like stalkers. They have sent me a letter threatening to sue me and garnish up to 15 % of my wages. I do n't know if they are legit and I do n't want to give them any info whatsoever until I know and from what I have found out they are scammers.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to file a formal complaint against EXPERIAN for their failure to remove fraudulent accounts from my credit report as required by law. 
I recently disputed several accounts on my credit report under the claim of identity theft, pursuant to 15 U.S.C. 1681c-2. I submitted a Police Report and an FTC identity theft report ( FTC Report Number : XXXX ) as evidence. The credit bureau acknowledged my dispute but has not complied with the requirements set forth by the Fair Credit Reporting Act ( FCRA ). 
Despite my initial request for the blocking of these fraudulent items, the following account remain on my credit report : 1. XXXX XXXX XXXX - ACCOUNT NUMBERXXXX DateOpened:XX/XX/XXXX Date Report : XX/XX/XXXX.

15 U.S.C. 1681i ( 7 ) - Description of Investigation : Pursuant to the FCRA, credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. To date, I have not received this required information.

15 U.S.C. 609 ( a ) ( 1 ) ( a ) - Verification Requirement : Per the FCRA, you are required by federal law to verify all accounts and public information through physical verification of the original signed consumer contract and/or judgment ( s ). Without such verification, there is a risk that erroneous or fraudulent information could be included in credit reports. Given the lack of adequate verification, I request the removal of this unauthorized public record information.

Accuracy Compliance : Additionally, under 15 U.S. Code 1681e ( b ), you are required to follow reasonable procedures to ensure maximum possible accuracy of the information in my credit report. If the information can not be verified, per 15 U.S. Code 1681i ( a ) ( 5 ), I request that you delete any unverifiable information.

Failure to Investigate Accurately ( 15 U.S. Code 1681i ) : After submitting a dispute regarding inaccuracies on my credit report, I did not receive a thorough investigation within the mandated 30-day timeframe. The results of the investigation did not adequately address my concerns.

According to 15 U.S.C. 1681c-2, credit reporting agencies are required to block disputed information identified as resulting from identity theft within four business days of receiving a valid identity theft report. Additionally, under 15 U.S.C. 609 ( a ) ( 2 ) and 1681i ( 7 ), any unverifiable or inaccurate information must be removed from my credit report.

Inadequate Compliance Procedures ( 15 U.S. Code 1681e ( b ) ) : The bureau has not demonstrated that it has implemented reasonable procedures to ensure the accuracy and completeness of the information provided on my report. I am requesting detailed information on the procedures used during the investigation.

I demand that the CFPB investigate this matter and take appropriate action to ensure that these fraudulent accounts are deleted from my credit report. I expect a prompt resolution to this issue and would appreciate any guidance you can provide regarding my rights in this matter.

Thank you for your attention to this urgent issue. 
Sincerely, XXXX XXXX
Product: Mortgage

I XXXX XXXX XXXX XXXX XXXX widow who lost her 35 years marriage partner with XXXX in XXXX, who been financially broken since the loss of my husband my life partner who basically handled all of our finances for 35 years and our mortgage payments asking this lender ( Rushmore Loan Management ) to stop denying me assistance and helping the investor to force a sale of my home. This is the only home left in my name since my husband death and it's been a year and I keep trying to reason with them people to modify my loan but they keep stating I have too much obligation, but I don't have anymore because all of my other homes were basically are gone and I no longer have any obligation beside my home that I live in now and it's the only home I got to shelter in, they keep want to forclosure on me and I dont understand why, I kindly seek modification to start making my mortgage payments, I have the income and I have 2 solid contributors who support me financially and emotionally ( my nephew and my sister In law ) whom been my back for the past couple of years and my sister in law now lives with me and as family will pay off this loan. Please grant me the assistance and STOP THE SALE IMMEDIATLEY scheduled for XX/XX/XXXX please. these people are pure evil, they even forced me to file BK to stop the last sale date which was scheduled XX/XX/XXXX and they made me file BK just to stop a sale, is this justice? they committed so much fraud and unethical practice and pretend they practiced ethics! please I have lots of proof of illegal practice if you can just let me send you all the proof to sanction them and stop them from practicing in state of California. Attached is screen shot from Rushmore portal dated XX/XX/XXXX showing active modification but on the XXXX XXXX they said incomplete file and sale scheduled for XX/XX/XXXX can't be canceled but on XX/XX/XXXX they have the loan in active modification and they had all documents and file complete on XX/XX/XXXX I have email with XXXX XXXX stating they received documents but XXXX has not yet reviewed the documents received so why did they not cancel XX/XX/XXXX sale? why did they make and force me into BK filing to save my home? what kind of people dose this to a XXXX XXXX XXXX widow? I can not believe why CFPB not doing anything to help us from these corrupt servicers. as of today, they have everything so why they delaying the review? thank you and God bless. 
Sincerely, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Account charged o XXXX Potentially negative Date opened XX/XX/XXXX Balance {$98.00} Status Closed. {$55.00} past due as of XX/XX/XXXX. 
XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$1100.00} w FCRA violations : payments never late XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Transferred, clo
Product: Consumer Loan

Safco hired an attorney ( XXXX ) to collect a debt on my auto loan. I won a settlement agreement against Safco and the attorney due to illegal collection tactics.By Florida law Safco is not suppose to still be reporting late fees and payments to all three credit agencies. This has caused me to be declined for any new loans.This company is still reporting past due payment even though my car was issued an illegal mechanics lien which I had no control over. XXXX made repairs to my vehicle without anything from me in writing authorizing him to do so. Safco was contacted about this and did nothing to resolve the matter. My car was sold to someone else so why am I still responsible for this debt? Why did Safco issue the mechanic the title to my car.I wasnt issued any documentation from XXXX or Safco about my car.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no acknowledgement about all these inquiries except for my XXXX I just purchased in XXXX, also the six credit cards I have in my possession. I have a XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I have to many inquiries on my credit. Can I please get some type of assistance? This is with all three-credit bureaus XXXX, XXXX, and Experian. I am trying to correct this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT AND DUPLICATE!!!!!!!!!!!! 





In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally profected consumer rights to privacy and confidentiality under 15 USC 1681. I told the credit bureau Experian, and XXXX to reinvestigate these accounts : XXXX XXXX  XXXX Account number XXXX XXXX. XXXXXXXX XXXX XXXXXXXX Account number XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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.