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

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report.
Product: Debt collection

I had a personal loan from Wells Fargo I was behind and they took away all my savings without notice and Im still undergoing financial hardships I want my money back plus interest and emotional distress they caused me by then my son was in high school about to go to college and wellsfargo action brought me marital problems and family dispute because I was out of money in could not provide effectively as a Husband and a father, because they charged my account the cost of my credit went up I am now paying too much for my mortgage which I have with them Im demanding {$250000.00} for compensation
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied from getting a credit card with XXXX XXXX today XX/XX/20 because apparently there are accounts reflecting badly on my credit history ; I was not aware of these accounts and the reason for that is because none of those accounts are mine. The accounts are from these companies. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. I did not open any of these accounts and I did not give anyone permission to open them in my name. I am not affiliated to any of the companies I listed nor do I have any written/verbal contract with any of them. I did not benefit anything from these unauthorized accounts and I did not take part in any purchases or payments made towards these accounts. I have already filed a police report regarding these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference,
Product: Student loan

My student loans shouldve been discharged in bankruptcy through Navient years ago. I have been paying every since. I am still paying for a loan that was taken out in XXXX. A new court ruling has stated that anyone who had private Naveitn student loans and filed bankruptcy shouldve had their loans discharged but they illegal made us continue to pay and they should be discharged. I tried to obtain a lawyer and they refused to write them off. Now I am dealing with a debt solutions company because the payments were so high I couldnt afford to pay my other bills. I have two loans with Navient. At the begining of XX/XX/XXXX its stated that these loans will in the near future will be fully discharged.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2021 Ive been trying to get a hold of the credit bureau to remove fraudulent items I have also filed a police report as well as the FTC report and filled out identity theft affidavit which is notarized as well still to this day XXXX have not yet to receive any results from this.
Product: Debt collection

I never received anything in the mail saying that I needed to pay. I saw it on my XXXX XXXX  but never received an official letter. I don't mind paying, I just need a letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX # 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fact that all three credit bureaus do not collect all data real time and allow third parties to access and use their information right or wrong presentls a fraudulent reporting environment that they seem to have no desire to correct. Here is the facts as defined by XXXX and extracted from their site. What You Need to Know This credit score is a XXXX XXXX based on XXXX data. Third parties use many different types of credit scores and are likely to use a different type of credit score to assess your creditworthiness. '' It is almost identical to other disclaimers by the other two major credit reporting agencies. The fact that this has been reported numerous times and ignored by the CFPB. Is by opinion and example a potential collusion to defraud people through presentation of varied calculating practice and different reporting data. To boot the information is access and maintained by NON CITIZENS WITH OFF SHORE ACCESS
Product: Credit card or prepaid card

I often use XXXX XXXX  so I dont really use my card that much but on XXXX I notices charges not made by me through my email I called them to open up a whole new account and dispute the charges some of the charges are in a whole different jurisdiction than me and places I never shopped at. The following charges left my card in over drawn fee : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX They replaced the overdrawn fees but denied my claim with no explanation why. I was wrongfully investigated. I was told by lady I would be credited for the purchases but never did so I called to find out that my claim was denied. Im a XXXX women whos family have passed from covid Im the only person in my little family left and I cant afford to be stolen from please help me.
Product: Debt collection

Today I received a call from XXXX ( XXXX XXXX XXXX. They claim to be a debt collector called XXXX  XXXX. They knew my name and last four of ssn and claimed to have an account stating I owe around {$600.00} to XXXX. When pressed for more info about their company ( why when I XXXX your company name and number does it not come up as anything? ) I was told let me put you on hold and ask how I answer that without getting in trouble. Ive called Walmart and they said I do not have an account with them but one that was opened in XXXX and closed in XXXX did exist. I disputed this as fraud. Well I verbally said so but they took no action to help me. In the past ten years I have worked hard to clear all my debts in collections and 6-7 years ago when I was paying them all off I NEVER saw one for Walmart in my credit report. Its not there today either. Its says I have XXXX in collections. I have no knowledge ever of a Walmart card being opened in my name. Im afraid this may be fraud and I dont know what to do. Whether or not this debt is legitimate is tbd. I believe its fraud but this number seems fishy. It seems like a scam. They dont even say the company name when they answer the phone. You have to ask for it. They also called my brother and dad for sure and who knows who else
Product: Debt collection

Being harassed for other people 's debts even after I informed OneMain Financial that they are calling the wrong person. Asked them to remove my phone number from their computer several months ago and they are still calling me asking for someone else and saying they are trying to collect money owed. Giving me a run around about removing my phone number from their computer Robo dialer months after was told it was to be removed.
Product: Debt collection

In 2016, the night before I XXXX from college, the right side of my XXXX became very swollen. My family had concerns that I might be having a XXXX so I was rushed to the XXXX. Turns I had an XXXX XXXX XXXX  in my XXXX. I was prescribed medicine to resolve the XXXX and in a couple days all swelling was gone. 

2 years later, when checking my credit score on XXXX, I noticed a late payment in collections. I further investigated and turns out this mark on my credit was from the XXXX. Subsequently, within days of my discovery I was then contacted by a collection agency advising me I had a late bill due. I immediately paid the bill in full. I would have paid the bill if notified but I received no notification of a bill from the XXXX and I wouldnt have, unless I checked my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XXXX I reviewed my credit report and I see that my name is misspelled XXXX XXXX XXXX is the correct spelling in my name ( XXXX XXXX is not my name, please delete ) I have to start a reinvestigation on my file I see addresses and phone numbers that are not mine. I do not live at the following addresses please delete : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following phone numbers are not mine please delete : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX. 
I do not know how this works, but I need it done or somehow corrected. 
I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRAsection 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. 
XXXX XXXX # XXXX account is reporting 30,60 DAYS LATE sinceXX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.
Product: Credit reporting or other personal consumer reports

Based on, 15 U.S. Code 168c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identity theft, no later than 4 business days after the date of receipt.

You have 30 days and if the accounts arent removed you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file for the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of the verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have a mortgage that originated on XX/XX/2019. Since that time I was NEVER late with any payments. However I had late fee of {$25.00} posted to my account. I called company several times and the answer was we can not do anything about it. I also called mortgage company that initiated my mortgage XXXX XXXX, and they tried to reach out to Mr. Cooper also multiple times, with no result.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccuracies related to the balance and payments on my account number XXXX, under the account name XXXX XXXX 
The reported information does not match the actual transactions and contains significant errors. Under 15 U.S.C. XXXX ( b ), credit reports are required to be completely accurate, which is not the case here. 
The previous review was not properly conducted and inaccuracies remain ( Report # XXXX. Dated XX/XX/year>, and CFPB Complaint # XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. 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, not later than 4 business days after the date of receipt by such agency of ( 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 following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX, XXXX, XXXX 3. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX 5. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX
Product: Debt collection

I have been contacted by several phone numbers that come up in google scam complaints as XXXX XXXX they call me excessively with recorded messages for months that I have fraud charges against me and will be receiving a subpoena. I phoned back with an attorney and all they would tell us is that it 's a XXXX XXXX from like 2010 (? ) for like XXXX. I have never had a XXXX XXXX and have never received any notice about this in the mail. They told my lawyer they would see me in court yet I still have never gotten any subpoena and they continue to call from various phone numbers with recorded messages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX XXXX Account XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX Account XXXX FDCPA Section XXXX Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX Account XXXX FDCPA Section XXXX Violation Misleading False Reporting - DELETE! 

XXXX XXXX, XXXX Account XXXX FDCPA Section XXXX Violation Misleading False Reporting - DELETE! 

XXXX XXXX, XXXX Account XXXX FDCPA Section XXXX Violation Misleading False Reporting - DELETE! 

XXXXXXXX XXXX XXXX Account XXXX FDCPA Section XXXX Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX  Account XXXX FDCPA Section XXXX Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXXXXXX Account XXXX FDCPA XXXX XXXX Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX Account XXXX FDCPA Section XXXX Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX  Account XXXX FDCPA Section XXXX Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX Account XXXX FDCPA Section XXXX Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX Account XXXX FDCPA Section XXXX Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX Account XXXX FDCPA Section XXXX Violation Misleading False Reporting - DELETE! 

XXXX XXXX Account XXXX FDCPA Section XXXX Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX XXXX Account XXXX Please send me the docs that prove that I was ever late. If you can't prove that you had proof, you need to remove these late remarks. 

XXXXXXXX XXXX XXXX XXXX Account XXXX Please send me the docs that prove that I was ever late. If you can't prove that you had proof, you need to remove these late remarks. 

XXXX XXXX XXXX Account XXXX Please send me the docs that prove that I was ever late. If you can't prove that you had proof, you need to remove these late remarks. 

XXXX XXXX XXXX XXXX Account XXXX Please send me the docs that prove that I was ever late. If you can't prove that you had proof, you need to remove these late remarks. 

XXXX XXXX XXXX XXXX Account XXXX Please send me the docs that prove that I was ever late. If you can't prove that you had proof, you need to remove these late remarks. 

XXXX XXXXXXXX XXXX XXXX  Account XXXX Please send me the docs that prove that I was ever late. If you can't prove that you had proof, you need to remove these late remarks.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian for their repeated failure to update and correct inaccuracies in my personal information, despite my numerous attempts to address these issues. Experian continues to report variations of my name and addresses on my credit report, which I have repeatedly requested to be corrected.

I have submitted the necessary documentation multiple times, both via USPS mail and through Experians online upload portal as instructed. However, these inaccuracies remain unresolved, and Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ).

Under the FCRA ( 15 U.S.C. 1681c ), credit reporting agencies are required to maintain accurate consumer information. Section 1681i mandates that when a consumer disputes information, the credit reporting agency must promptly investigate and correct any inaccuracies. Experian 's continued failure to address my dispute violates these provisions and undermines the integrity of my credit file.

The inaccurate variations of my personal information can have serious consequences, including potential misrepresentation of my identity, delayed credit decisions, and undue harm to my creditworthiness. Experian 's inaction has caused unnecessary stress and inconvenience.

I am requesting the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and require Experian to : Remove Incorrect Variations of My Name and Address : Ensure that only accurate and verified personal information is included on my credit report.

Provide Confirmation of Updates : Send me an updated credit report reflecting the corrected personal information.

Ensure Compliance with the FCRA : Implement stronger procedures to promptly and accurately address consumer disputes related to personal information.

Experian 's repeated failure to correct these errors is unacceptable and violates federal consumer protection laws. I trust that the CFPB will take the necessary action to ensure Experian complies with its obligations under the FCRA.

Thank you for your time and attention to this matter.