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

My original disputes were opened on XX/XX/year>. Experian had until XX/XX/XXXX th, XXXX to investigate, they did not investigate. Evidence of this is in the credit report I printed off XXXX XXXX. The address for the alleged student loan debt has the wrong address. The address was not changed until my second dispute in XXXX, XXXX. These loans have been sold, and are no longer valid. The dept of Education has had plenty of correspondence with me, yet they have not responded to a physical letter. The other credit reporting agencies had the correct address, yet Experian didn't. Despite this, they will not remove the department of education student loans, that are no longer owed. Experian has a slew of violations against me. They were told that XXXX addresses are invalid and outdated, which I have a right to have deleted as well as they have an obligation to delete them. They haven't, they State it remains as history. In Colorado, we have the right to have it deleted. I requested the information that I started earlier, which they have not provided, they said it was frivolous and they aren't going to comply. I was denied credit as a result of a report sold by Experian. Experian is supposed to be fair and equitable yet they aren't. They haven't provided any method of verification, no investigative report, for XXXX I have disputed. They should have either changed the address by XXXX XXXX, or delete it due to their lack of investigation for the alleged student loans. They should have provided method of verification for XXXX XXXX  XXXX  and investigative report also, yet i have disputed 3 times, yet they haven't provided any of the information. The website is very difficult to navigate and to read, I have asked Experian 4 times now to send this information in writing. They failed to do provide in writing, they failed to provide via email, they failed to provide in their website.
Product: Credit reporting or other personal consumer reports

I noticed an unauthorized inquiry from Net Credit bank on XX/XX/XXXX I called both Transunion and XXXX XXXX. I submitted my police report and ID. I called XXXX weeks later and XXXX XXXX is telling me it should be removed they let Transunion know but Transunion says they never got a letter from them.
Product: Mortgage

Ocwen Loan Servicing dishonest employee XXXX XXXX DOES NOT properly investigate consumer complaints, her position is to deny any wrong doing to cover up the pretender lender loan servicer 's abusive loan servicing practices. We will address this issue in court with evidence. On XX/XX/XXXX, dishonest opposing counsel XXXX XXXX responded to my ( " CFPB '' ) consumer complaint honoring my request for Ocwen Loan Servicing and its dishonest employee XXXX XXXX to CEASE AND DESIST ALL COMMUNICATION WITH ME. On XX/XX/XXXX, Defendant troubled Ocwen Loan Servicing and defendant dishonest employee XXXX XXXX are guilty of violating my CEASE AND DESIST ALL COMMUNICATION DEMAND. Dishonest employee XXXX XXXX violated my CEASE AND DESIST DEMAND by directly communicating with me in writing failing to properly direct my consumer complaint to its dishonest opposing counsel so he can directly communicate with my attorney of record. On XX/XX/XXXX, dishonest opposing counsel responded to my ( " CFPB '' ) consumer complaint denying any such CEASE AND DESIST ORDER, once again, attempting to shift the blame on the plaintiff. We will address opposing counsel and XXXX XXXX troubles in court.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus XX/XX/XXXX to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT, and I'm including these again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I already made this complaint, but did not know to create an account to follow up on it. So here it is again : On XX/XX/XXXX, I left the Finest XXXX XXXX resort after a prepaid weekend in XXXX, XXXX. I flew home and on my next credit card statement, there was a charge from XXXX XXXX XXXXXXXX for {$1700.00}. This was not my charge or the travel agent ( Classic Vacations ) I used. It is also not the hotel I stayed in. I immediately called Capital One and reported the fraud. They initially removed the charge and replaced my card. A week later I got a letter from Capitol One stating there was insufficient evidence of fraud because : " Information we discovered leads us to believe you or another account user benefitted from the transactions ''. 

I immediately called them again and was told that since my physical card had been used ( the chip was used ) it was my charge. I tried to enlist their help investigating the merchant, but they refused. I can find no information on the merchant anywhere. The only possible time my card could have been compromised was when I took a cab at the airport and gave them the card to charge. They attempted to run it and told me it wasn't working so I paid cash. There are no other charges on the card from those dates. The credit card company refuses to change their ruling or assist me further.
Product: Credit reporting or other personal consumer reports

Over an extended period, I have diligently contested the inaccuracies present within the information provided to XXXX, XXXX, and TransUnion. Despite my persistent efforts to rectify these discrepancies, I regret to inform you that the issue remains unresolved up to the current date. 

XXXX Under 15 USC 1666 Billing Error XXXX  Account Number : XXXX Please ensure that all information is accurate. 

XXXX XXXX. Under 15 USC 1666 Billing Error XXXX  Account Number : XXXX Please ensure that all information is accurate 2. Under 15 USC 1666 Billing Error XXXX  XXXX Account Number : XXXX Please supply information on how you have verified this item. 

TransUnion 1. Under 15 USC 1666 Billing Error XXXX  Account Number : XXXX Please ensure that all information is accurate 2. Under 15 USC 1666 Billing Error XXXX  XXXX Account Number : XXXX Please supply information on how you have verified this item.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters out over 30 days ago certified mail, I have not been notified, as a regular human being I feel like these clowns are taking advantage of normal people like myself
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX Subject : Dispute of Unauthorized Hard Inquiries on My Credit Report To Whom It May Concern, I am writing to dispute several unauthorized hard inquiries on my credit report, as per my rights outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b. This section of the FCRA stipulates conditions under which consumer reporting agencies may furnish consumer reports, and I believe these hard inquiries were not conducted with my explicit permission. 

The following are the unauthorized inquiries appearing on my credit report : XXXX XXXX XXXX  ( Bank ) - Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) - Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  ( Finance ) - Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) - Date : XX/XX/XXXXXXXX XXXX XXXXXXXX ( Finance ) - Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) - Date : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX ( Finance ) - Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Finance ) - Date : XX/XX/XXXXXXXX XXXX ( Bank ) - Date : XX/XX/XXXXXXXX XXXX XXXX ( Bank ) XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX ( Bank ) - Date : XX/XX/XXXX I did not provide consent or initiate requests with the aforementioned entities to access or inquire about my credit report. As per the FCRA 15 U.S.C. 1681b ( f ), it is illegal to obtain someones credit report unless the request is made with the consumer 's consent or under a valid purpose as outlined under the FCRA. I neither initiated nor provided such consent.

Furthermore, I'd like to highlight 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable investigation upon receipt of a dispute. I hereby request a thorough investigation into these inquiries. 

If these inquiries are verified as unauthorized, the FCRA mandates their immediate removal. Please ensure these entries are expunged from my credit report. 

Enclosed, please find copies of documents that validate my identity and address. I am formally requesting all proofs or permissible purposes these entities might claim to have had, if any, to perform these hard inquiries. 

I expect this issue to be resolved promptly. Non-compliance or any delay might compel me to take legal actions to ensure my rights, as provided by the FCRA, are fully upheld. 

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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : INQUIRY : XXXX XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ACCOUNTS : XXXX XXXXXXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX and I am writing to you in reference to Experian reporting the wrong and undeliverable address on my credit report. I have sent several disputes and tried to remove these addresses several times. Please help me resolve this issue. The only address that MUST BE REPORTED IS MY CURRENT ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, FL XXXX. I will attach my utility bill. I need you to remove the following addresses on my credit report : XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX- the address is not deliverable and must be removed from my report XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX- this address is not deliverable and must be removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL, XXXX - this address is not correct and undeliverable please remove this from my report. 
I will attach a copy of my Experian report from XX/XX/2022.
Product: Payday loan, title loan, personal loan, or advance loan

i got a loan from explore credit and they charge high interest so high it is illegal for {$1000.00} loan they want {$7500.00} back
Product: Debt collection

I just received a notice from Harvard Collection Services LLC dated XX/XX/XXXX addressed to XXXX XXXX XXXX XXXX XXXX XXXX There is no such person by that name, but I am XXXX XXXX  so I will assume this is intended for me. 

This is an attempt to collect a very old FAKE debt from XXXX XXXX XXXX, which has never been substantiated by XXXX XXXX and was dismissed in my XXXX small claims case against them way back in XXXX. 

Ever since, XXXX XXXX has ignored the court 's ruling and continues to disparage and harass me by repeatedly sending a series of their collection agency goons after me every few months, each reflecting a slightly different amount to make it seem like it's something new or different. Harvard Collection Services LLC is the latest company they've suckered into chasing this fake debt.

Another problem for Harvard Collection Services is, this fake debt was already falsely reported to the credit bureaus by XXXX XXXX XXXX last year and I'm still fighting to get it removed. Therefore Harvard Collection Services claim is redundant. 

Note previous complaints filed on this matter XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously sent two update letters to all three credit bureaus to update my personal information, which is XXXX XXXX, and Equifax. I've sent them two different letters on different occasions asking them to remove old, outdated information in terms of addresses, phone numbers, and employment, and some of the information that is on my credit report are addresses that I never lived at, so now I'm filing a complaint against all three of the credit bureaus because they have failed to remove old, outdated information and these credit bureaus are also in violation of the privacy laws because they only supposed to keep my payment history along with one address, employer and phone number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX/XXXX XXXX ... XXXX XXXX XXXX ... XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute item do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$3700.00}, XXXXXXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance : {$3100.00}, and XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXXXXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report Despite my submissions Experian 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 Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ) 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX paid and closed
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The ACCOUNTS I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ACCOUNTS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I beleive I have been falsely denied a discover it credit card with a minimal {$500.00} credit line on XXXX XXXX, 2018
Product: Credit reporting, credit repair services, or other personal consumer reports

Any derogatory markings from One Main inclusive of charge off needs to be removed. Due to failure to report for court proceedingsit was dismissed. Deceptive practices were then utilized a 2nd time to have me subpoenaed and further confirmed as dismissed. I do not owe this debt and it needs to be removed expeditiously. If supporting documentation is needed such as court documentation can be provided.
Product: Credit reporting or other personal consumer reports

I ask theme to pay to delete before I pay the debt but dont want to provide it to me. I pay the debt, iknow I have the rights to dispute this account.
Product: Debt collection

This company Collection Consultants of California has been harassing us over a year by phone calls saying we owe a hospital bill that we know anything about. They keep calling and adding interest on to the bill. We beg them to please sent us an itemized statement of what this is. We never received a bill. We always pay our bills on time and this company has attacked our credit rating. It is wrong to attack out rating when they will not supply us with the information. I do n't know anyone who would just write a check to any company who claims you owe {$10000.00} with out any proof of what it is you owe. So I am filing this complaint with you. I went on our credit report and disputed this debt with XXXX 
I just got back in town after being gone for 3 weeks moving my daughter across country to college. In my mail is a bill from Collection Consultants of California for {$10000.00}. The assigned amount from the hospital is {$8500.00} plus XXXX in interest to this company CCOC who claims we owe this. In this envelope is an itemized statement from the hospital from XXXX of XXXX with my name on it but the wrong address. So someone at the hospital had been sending this bill to the wrong people then they send it to the collection company and they start harassing us and not sending us the itemized statement that we requested a year and a half ago. This whole time this company CCOC has had our correct address and can clearly see the bill from the hospital was incorrect but yet they refused to send us the itemized statement so that they could continue to charge us interest and ruin our credit rating. This is horrible to do to people we had incredible credit score and this is the only company that has messed up our credit score and harassed us and is charging us interest on something we new nothing about cause it was sent to the wrong address because the hospital put in the wrong zip code. CCOC had our correct address and could of fixed the problem over a year and a half ago. illegal and dishonest!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6800.00}, {$1800.00}, {$33000.00}, {$12000.00}, {$16000.00}, {$12000.00}, {$1000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXXand the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, XXXX XXXX, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6800.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$33000.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 


-- PERSONAL ACCOUNT 5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 6. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account.

7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

Dear CFPB Representative, I sm writing to clarify that I did not request any information regarding the student loan in question, as I do not own this loan. I would appreciate your assistance in resolving this matter
Product: Credit reporting or other personal consumer reports

I tried calling Experian because I am trying to to seek clarification regarding the removal of late payments from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, from my credit report but did not get the option to talk to a live agent. The options I received when I called were " f you are calling regarding a security freeze, press XXXX or for a fraud alert, press XXXX.