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

I opened several dispute with experian requested validation of the accuracy of verified account. 
Please note this my XXXX dispute on these accounts, as I requested prior to provide me with the process you utilized to valid and verify these accounts, I have not yet received this informations from experian.I received a notification from experian today XX/XX/year> for disputes for account with XXXX XXXX XXXX, the notification stated that dispute opened on XX/XX/year> has been updated. The website did not showed any result nor any changes on my report. I proceed to call experian at XXXX for about XXXX minutes. I spoke with a lady who informed me the result of the dispute come back VERIFIED over the phone. I proceed to ask about the verification process and I was told to contact the creditor. 
EXPERIAN need to complete a fair and accurate investigation. According to the FCRA and FTC, I am entitled to a fair and accurate investigation and credit report. 
EXPERIAN failed several times TO PROVIDE. 
1. What certified documents were reviewed to conclude your investigation?

2. Please provide me a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation, as required by FCRA : a. Who did you speak with?

b. What was the date?

c. How long was the conversation?

d. What was their position?

c. What number did you call?

f. What is the name of your employee that spoke directly to the creditor?

g. What is the position of your employce that spoke to the creditor?

Enclosed with your response to the above questions, I respectfully request a notarized affidavit confirming the information that is provided is true and correct as per my civil rights granted under several federal laws.

This information should not come as a form letter response.

My initial disputes was detailed and directly related to the account in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, My name is XXXX XXXX, and I am writing to demand the removal of an inaccurate collection account from my credit report and compensation for my time and effort in disputing it. The account in question is from Sequium Asset Solutions and it is showing on my credit report without my consent.

I have no contract with Sequium Asset Solutions and have given no consent for them to use my name, likeness, or credit data. Furthermore, this collection account violates the Fair Credit Reporting Act ( FCRA ) as per Section 607 ( a ) ( 1 ) and ( 2 ) of the FCRA which requires credit reporting agencies like XXXX to ensure that the information they report is accurate, complete and up-to-date. Also, Section 615 ( a ) ( 1 ) states that no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. Additionally, this violates Section 621 of the FCRA which states that any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}, as the court may allow. Furthermore, this violates 15 U.S.C 1681 et seq, particularly 15 U.S.C. 1681i and 15 U.S.C 1681j which states that credit reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates and any person who fails to comply with any requirement imposed under this title shall be liable to the United States for a civil penalty.

Furthermore, this collection account was fraudulently bought and sold, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Rosenthal Fair Debt Collection Practices Act ( RFDCPA ), which prohibit the sale or purchase of a debt that the seller or purchaser knows or should know is not legitimate. This also violates the prohibition of any form of deception or fraud under the federal laws such as 18 U.S.C. 1341 ( Mail Fraud ) and 18 U.S.C. 1343 ( Wire Fraud ) I demand that you immediately investigate this matter and take necessary action to remove the illegal collection account from my credit report and also compensate me for my time and effort in disputing it. 

Thank you for your prompt attention to this matter. 

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

To Whom It May Concern, It occurred to my attention that I have four inaccurate hard inquiries incurred on my account without my knowledge or consent or by error in the last year. These inquiries have affected my credit standing despite its clean history. These are the following inquiries that I don't recognize and which I hope you could kindly help fix and remove from my credit reporting : XX/XX/XXXX: an inquiry from XXXX XXXX. I don't recognize this inquiry nor have I applied to any credit of such type this year.

XX/XX/XXXX : an inquiry by XXXX XXXX. I don't recognize this inquiry nor have I applied to any service of such type this year.

XX/XX/XXXX: an inquiry by XXXX. I don't recognize this inquiry nor have I applied to any credit of such type this year.

XX/XX/XXXX : XXXX XXXX XXXX. This was a collection inquiry that was resolved and removed per complaint no. XXXX submitted on XX/XX/XXXX to CFPB after finding that it was filed on my behalf upon incorrect information.

The only inquiry I recognize from the last two years is my application to XXXX XXXX load on XX/XX/XXXX.

I kindly ask you to investigate these inquiries, report them to the bureaus and do all necessary actions to remove them from my record as I have no knowledge or consent on their submittals.

Thank you for your consideration.

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

I am victim of identity theft. I have received a letter from XXXX that stated those accounts were not mine and those accounts was supposed to be deleted from Equifax credit report and equifax has failed to deleted those fraudulent accounts. Also those names and addresses are not mine and those inquires are fraudulent need to be removed from my Equifax report
Product: Debt collection

XX/XX/XXXX I sent a letter form to JVS Group requesting information about a debt that was on my credit report for {$350.00} from XXXX XXXX XXXX I was not aware of and explained how I was involved with this agency. I requested information regarding the alleged charges, who authorized them to collect, amount allegedly owed by me and proof of my agreement to pay this bill due. I ask for the debt to be validated with a copy of an agreement showing my signature where I agreed to pay this bill. I did not receive the requested information in their response I received on XX/XX/XXXX to this date of writing. However I did receive a very rude and obnoxious letter from them telling me not to send them my form letter again! and will honor my request for information which they did NOT do. I have not received the information that I requested from them within the 30 days required by law. I will attach the letter I received from this company along with this complaint. I requested what is within my legal rights and per the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ). The notice states that validation of the account is required. What I received was a single sheet of paper ( attached ) with notations showing an amount, date, and my name. This is NOT validation that I owe a debt. Attached is the original form letter I sent requesting information also as I am not a lawyer and wanted the letter to be as correct in what I was requesting. All I got back was their FORM letter saying they are sending me the requested information, and did not.
Product: Credit reporting or other personal consumer reports

Notice to agent is notice principal notice to principal is notice to agent : Furnishing credit report to person without permissible is in violation of XXXX usc XXXX ( b ) ( c ). 
XXXX usc XXXX states that a consumer report does not include information solely as to transactions or experiences between and the person making the report is excluded .XXXX usc XXXX ( XXXX ) that permissible purpose must be given .XXXX usc XXXX that such report must be fair and accurate, I have noticed some inaccuracies on my report; such payments, closed accounts, balances
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the below creditors, and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since they do not have my authorization, written or verbal I ask that you DELETE these inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

According to Section 604 of the Fair Credit Reporting Act Permissible Purpose of Consumer Reports 15 U.S. Code 1681b in general. Subject to subsection ( e ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Inquiry on XX/XX/2021 XXXX  XXXX XXXX XXXX XXXX GA XXXX Inquiry on XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX Inquiry on XX/XX/2021 XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with XXXX XXXX XXXX and financed with XXXX XXXX. The agreement was o payments o interest until XX/XX/XXXX they charged ne 38 every month and additional they report the account past due on my credit report. I submit a dispute and they corrected the credit report as outstanding for the month of XX/XX/XXXX. On XX/XX/XXXX they reported 30 days past due again and I made. I wanted synchrony bank to correct my credit report and eliminate the 38 charges for late payment. That constitute a deceptive and abusive action from XXXX XXXX. They also decrease approved credit limit.
Product: Credit reporting or other personal consumer reports

RE : Social Security Number : XXXX To Whom It XXXX Concern : This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  please delete these outdated addresses and update the address with this one XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer, and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

I was gifted a {$200.00} card in XX/XX/. I attempted to use it for the first time on XX/XX/2023 and there was no balance. The money was stolen from the card. 

Blackhawk Network refused to remedy the problem because I did not notify them in 60 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this 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 transunion 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 XXXX 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 XXXX 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 XXXXXXXX  n they record the calls n admitted they had my police report XXXX 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Credit card

JPMCB CARD was applied for XXXX and XXXX inside not authorize this according to the bank it was denied but they refused to remove the inquiry off my credit report said I had to file a complaint and dispute it with credit bureau
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX 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, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax, alleging systematic issues such as failing to forward consumer - provided evidence to furnishers, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate action to remove or amend the disputed accounts. As Equifaxs inactions has violated federal law and my rights as a consumer.
Product: Money transfer, virtual currency, or money service

On multiple occasions I would send or have Zelle sent to me and it would not be processed in a timely matter along with some transactions were cancelled. This is very frustrating because the money was needed at that moment.
Product: Student loan

Navient is harassing me, calling dozens of times a day and calling family members as well as people unrelated to me that i have not spoken to in years.
Product: Mortgage

Complaint : Mortgage Servicers I find it necessary to file this dispute with your agency to protect my home mortgage from further abusive financial practices. 

My Chapter XXXX Bankruptcy Case was discharged, effective XXXX XXXX. In XXXX XXXX, under the plan, I made my final payment to the Bankruptcy Trustee, to pay the mortgage and after that paid the creditors mortgage service company. 

I paid the Creditor {$3100.00} ( Without Notice of Mortgage Change ) in XXXX. I paid {$1600.00} in XXXX upon recognizing a notice of mortgage change was not filed and that the service mortgage company was backdating payments. According to their records, I owed {$26.00}, XXXX to the Creditor. 

A review of my loan account showed that effective XXXX XXXX, the service mortgage company adjusted the monthly mortgage payment from {$1600.00} to {$3100.00}. I was nine months past due on payments of {$3100.00}. The service mortgage company applied my XXXX XXXX payment retroactively to XXXX XXXX. From what I could determine, the service mortgage company collected {$9300.00}, or roughly {$4400.00} over the mortgage payment of {$4900.00} authorized by the Bankruptcy plans. 

When I initially complained, the service mortgage company refused to listen and insisted on collecting the full amount, {$26000.00} in past due claims including {$2000.00} in miscellaneous fees. While demanding payment from me, the service mortgage company filed a Response to The Notice of Final Cure in Bankruptcy Court certifying that my loan account was current. 

When presented with filing, the service mortgage company removed a substantial portion of the claim and filed a Notice of Mortgage Change, effective XXXX XXXX, XXXX, of {$3100.00}. The service mortgage company 's transaction history indicates receipt of {$3100.00} payment on XXXX XXXX, XXXX. Additionally, service mortgage company transferred the loan to a new mortgage servicer with instruction to me to make all future payments to the new servicers effective XXXX XXXX. 

I paid the new servicer {$3100.00} on XXXX XXXX, XXXX, for the mortgage payment due XXXX XXXX. After that, I received notice from new servicer about an outstanding claim from the old service mortgage company for the XXXX XXXX payment. I filed a dispute with new service mortgage company in response. The new servicer applied my payment to the old servicer 's claim and demanded XXXX and XXXX XXXX payments. The new servicer advised me that the answer to my dispute could take up to 45 days. 

When making the XXXX payment, I spoke to new servicer 's agent, who acknowledged receipt of my dispute, confirmed mailing address and indicated that a late payment fee did not apply to this payment
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX ) XXXX Balance : {$950.00} ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Would not answer phone would not pick up. Request my pin number 2 times now and they keep assuring they will send it to me. they should not be allowed to stay in busness if they are unwilling to speak to consumers. 

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

I am interested in processing disputes on my credit report with transunion to delete an remove the data that is inaccurate an invalid on my credit report asap. this information has been reported to all credit bureaus. please review the files to delete the proper information asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

Radius Global Solutions accessed my credit file on XX/XX/2021. I do not have any collections with this company thus they are illegally pulling my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have subscribed to TransUnion credit monitoring for many years now and they provide dismal, substandard service. Today I successfully logged in and attempted to refresh my credit report as it was already two weeks old. After clicking on " submit '' the system just continued spinning for over 1/2 hour and ultimately did not update my report. I contacted TransUnion support online and they were unable to help. I tried using multiple browsers on multiple computers and all failed. 

I then called TransUnion support by phone. I answered all the security questions 100 % accurately, but their phone hung up. I called again and answered every security question with 100 % accuracy and when I reached the representative they said my account was suspended because I did not answer the phone prompt security questions correctly. They gave me a special password and said they unlocked my account, but their special password does not work and the account still remains locked/ frozen. 

I am XXXX XXXX XXXX XXXXXXXX and do not have time to call and wait for these incompetent people to do their job and fix their incompetency. 

They need to fix my account right away and since I am unable to use it, refund all or a portion of this months charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I sent a letter to address errors and unfamiliar entries on my credit report. However, I have not received a response despite waiting over 30 days. This lack of action has left me feeling disregarded and taken advantage of. I want to remind you that under Section 611 ( a ) of consumer law, any unresolved dispute must be removed from my credit report after 30 days. Therefore, I respectfully request that these accounts be promptly deleted from my credit report as required by law. 

I must also express my concern regarding the XXXX data breach, which has left my personal information vulnerable to misuse. As a result, I expect all necessary measures to be taken to ensure my information is kept secure and protected. 

Should my request to delete these accounts from my credit report not be honored, I will have no choice but to pursue legal action due to the undue stress caused by this situation. I hope we can resolve this matter satisfactorily and restore my confidence in your ability to handle my credit report with care and accuracy. 

Attached are XXXX of my most recent credit reports ; please use this to verify.
Product: Checking or savings account

Some Wells Fargo deposit accounts were hit with extra overdraft, withdrawal, and monthly fees. At other times, the bank unjustifiably froze customer accounts for weeks on the pretense of preventing fraudulent deposits.