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

On XX/XX/year>, I discovered that there was a freeze issued on all 3 credit reports because I applied for a credit card after getting out of the XXXX. After contacting all 3 credit bureau 's, it was told to me that the info on my reports is totally different from mine and to submit drivers license, birth certificate, bill of some kind with my name etc, and copy of social security card. I submitted documents to all XXXX credit bureau 's and XXXX was the only credit agency that corrected the info and resolved the issue instantly after proving my identity. I have been repeatedly trying to solve this issue with XXXX and Experian since XXXX because they refuse to resolve this matter by keeping the freeze on my credit file after submitting all required documentation proving my identity so that I can start building my credit. I never wanted to build a credit file until now because I lived in XXXX housing, bought my cars with cash and never wanted a credit card until now. I submitted my documents 3 times this year only to be told this last time, XXXX XXXX, that documentation was not received. I know that they received these documents because I paid to mail priority mail with signature proving that mail was delivered after confirming correct mailing address. I also wanted to mention that on XX/XX/year>, I spoke to XXXX with XXXX XXXX XXXX  ( badge # XXXX  ) and explained to her that I was recording our conversation as well And i wanted to confirm that XXXX received my documents on XX/XX/XXXX by mail since I was not able to submit anything on their website because they blocked me from submitting anything online. Her exact response ( which I have recorded ) was that " the block on website will never come off until this issue is resolved and she could see that their were documents received on XXXX of this year but could not understand why nothing was done ''. I also want to mention that every time I called into confirm that docs were received and if anything else was needed, XXXX put a mandate on their system that I needed to do an authentication check in order to inquire about my case with them. So I had to take a picture of my driver 's license ( front and back ) as well as take a selfie proving my identity. I did this at least 4 times this month in XXXX. Again, I do not know why XXXX and Experian refuse to resolve this issue with clearing my credit file and undoing the freeze. I have been denied credit, employment, etc due to their negligence of resolving this matter and I am determined to extra lengths to resolve this.
Product: Debt collection

I get calls repeatedly from this phone number,  XXXX , which comes up on caller ID as " robo caller ''. No one ever leaves a message and they call repeatedly all throughout the day. When I do answer the phone, there is absolutely silence.   The last time they called me was today,  XXXX , at   XXXX   XXXX   But they have called many times before this and I just did n't document it. I had no idea whose number it was because they never leave a message and there is silence when I do actually answer.     I Googled the number and found a " complaint '' website where many people complained about this same situation. It turns out it is Chase Bank.   Some people are saying it 's a scam to get your CC number. Others are saying it really is Chase Bank. I do have a Chase CC but I am not behind in my payments at all. I just want them to stop calling but when I call that number back to try to speak to someone, it says it 's not a working number.
Product: Debt collection

I called Midland Credit Management Inc in XXXX XXXX, phone number XXXX. A representative picked up the phone and asked for the social connected to the account, my fianc provided it and then they went into their disclosure. Once completed they only said the amount of the debt owed, no verification was ever given and so he suggested that it was inaccurate, and the lady said that was not the case and said that they would settle for half the amount, but it was a one time deal only valid on that phone call. He said that the amount was not correct, which the original amount was closer to {$100.00} and they wanted to charge {$480.00}. He asked to speak with a manager and they said that they would check to see if she was available, and came back saying she was on break and was the only manager in the office at the time, and that she couldn't call back as it was only an inbound center. Once we did a bit more digging, we called back and spoke to the manager, XXXX I believe her name was, she was rather hostile in asking what we wanted to do, whether that be accept their settlement or pay the full amount. He asked if it was verified debt and/or reviewed by an attorney for accuracy to which she said it was not. She claimed that they had sent notice of the debt months ago and continued sending letters to an address never associated with her, that being XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, which leads us to believe that the amount they are associating with her being the {$480.00} is someone else 's debt they are attempting to settle with someone else. They also said that they had not charged any late fees or interest to her account, which I found odd. The fact that she was not aware of this original transfer of debt to the collections agency due to this error, they invalidated her ability to dispute the amount within the allotted time frame of 30 days. They were very unprofessional in their behavior and attitude towards us, and did not seem to care that they messed up and said if we feel it wasn't valid that we could get an attorney involved and that we wouldn't be able to settle the debt for anything less than the full amount.
Product: Credit card or prepaid card

Pay for discover identity theft protection had a issue with identity theft and compromised bank account. They havent taken any steps to remove the charges just keep billing your he account that was removed and compromised. Have called several times all the gave me was a reference number that means nothing.
Product: Debt collection

I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against AMSHER for reporting credit information to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting incorrectly that I am 120 days past due on the DPT ED/XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 6 - 17 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due
Product: Credit reporting

Equifax, XXXX and XXXX have not changed my credit score in over 12 years. 
I have documentation to prove that my credit score remains the same and they never change it. 
I have had several items removed from my credit and they have never changed the score.
Product: Debt collection

I received a letter in the mail XX/XX/21 from sunrise credit systems, inc about a letter to attempt to collect a debt, the company have threaten to take action to the National credit bureaus. I checked my XXXX  report and it has been reporting since XXXX. I never gave them consent to take action or to discuss any debt, I dont know who this company is, this has caused me anguish and this is identity theft. Sunrise credit is in a total of 9 consumer violations. I sent in an affidavit of truth and a federal consumer violation invoice certified copy, return receipt.
Product: Credit reporting or other personal consumer reports

I have 2 items on my credit report and they are XXXX XXXX XXXX Loan and Thrift Investment Auto Loan. Both of these loans have been paid in full and accounts have been closed. I have disputed this multiple times with Experian and they refuse to remove it from my report. Its not fair to me and nothing old should be on my credit if the account is paid in full and closer as it is negatively affecting my credit report.
Product: Checking or savings account

Received offer XXXX 2022 for a {$450.00} bonus for opening a new savings account after keeping $ XXXX in for 3 months. I did this, but it has now been over six months with no bonus deposited. I've called and chatted with customer service four times now, and they could provide me no information other than opening a " case. '' At first they told me it would be 5 days, then another week, then another week, etc. It is still " pending '' over a month later. There is no reason for me to believe this will ever get resolved despite their written offer in 2022 with the account.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This false information consists of an unauthorized inquiry with XXXX. According to the Fair Credit Reporting Act ( FCRA ), specifically **15 U.S.C. 1681s-2 ( a ) **, any information reported must be accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act convergent accounts listed below has violated my civil rights : XXXX XXXX XXXX : opened XX/XX/XXXX XXXX XXXX XXXX : Opened XX/XX/XXXX XXXX XXXX XXXX : Opened : XX/XX/XXXX Dept of ED/ XXXX Opened : XX/XX/XXXX -XXXX- XXXX-XXXX -XXXX- XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - 15 U.S.C 1681section 602 A. States that I have the right to privacy. 15 U.S.C 1681section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

We refinanced our home in XXXX. 

We had sufficient homeowner 's insurance at that time ; however, the lender wanted us to have different homeowner 's insurance because the premiums were less. This was the only way for us to refinance. 

I contacted our insurance agent and asked them to cancel our policy with the carrier. When I called XXXX weeks later, I found out that the policy had not been cancelled, but the premium had been paid. I told the insurance agent that it needed to be cancelled. I never received any renewal notices and never heard anything additional from my insurance agent, insurance carrier, or my mortgage company. 

Fast forward to XX/XX/XXXX, I started receiving notices from my mortgage company that I was behind on my payments. I made a call and finally found out that the mortgage company had paid both premiums- the insurance that I originally had and the insurance that was force placed upon me during the refinance. The mortgage company is demanding that I pay them back the premium for the policy that I originally had and tried to cancel - {$6100.00}. 

Since XXXX in the State of Alabama, a dwelling can not have two different homeowner 's insurance policies in place. I've tried to explain this to my mortgage company and they are insisting that I pay for XXXX and XXXX - the years that they paid the premiums. They never contacted me about paying two homeowner 's insurance policies, never cancelled the one that was force placed upon me, and never made any contact about this issue. 

I've made every payment of my mortgage for XXXX, never been late and yet, because I haven't been paying the full amount to pay them back for the insurance premiums, they have stacked late fees and penalties against me ... my credit is completely ruined. 

I shouldn't have to pay back premiums for which I tried to cancel and my mortgage company willingly and knowingly paid which was illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items 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 items immediately. 

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

My name is XXXX XXXX and this is not a third party filing this complaint. I am writing to express my concerns regarding the investigation practices of the three major credit bureaus : XXXX, XXXX, and Equifax. Many consumers, including myself, have experienced significant difficulties when dealing with inaccuracies in our credit reports and the subsequent investigations launched by these bureaus. 

Despite the Fair Credit Reporting Act requiring that these agencies conduct fair and thorough investigations into disputes, the reality has often been different. There are numerous reports from consumers suggesting that the investigation process is neither thorough nor transparent. Many disputes receive cursory reviews, with inadequate attention given to supporting evidence provided by consumers. The practices employed by these credit bureaus can have serious repercussions on consumers access to credit, employment opportunities, and overall financial health. As such, I urge the CFPB to investigate these practices and ensure that the rights of consumers are upheld. It is vital that these agencies adhere to regulations and provide consumers with the protection they deserve.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Liability for Negligence Under 15 U.S.C. 1681o Dear Experian, I am writing to formally dispute any alleged liability for negligence under 15 U.S.C. 1681o regarding XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX. I believe that any claim of negligence in these matters is unfounded and unsupported by the facts or applicable law. 

To clarify : 1. Violation of My Rights Any attempt to hold me liable without substantiating evidence may constitute negligent noncompliance under 15 U.S.C. 1681o, which requires that information affecting my legal standing be handled with due diligence and accuracy.

2. Failure to Provide 100 % Accurate Information The information used to assert liability against me contains errors, inconsistencies, or lacks complete supporting documentation. Any determination of liability must be based on verifiable and fully accurate records, which have not been provided.

3. Request for Documentation If there is any evidence suggesting liability, I formally request that you provide all supporting documentation, including any reports, records, or statements used to reach this conclusion.

Pursuant to my rights under federal law, I request that you immediately : Immediately cease any further action that assumes liability on my part.

Correct any records reflecting an erroneous determination of negligence.

Provide written confirmation that my dispute has been reviewed and resolved appropriately Failure to comply with these requests may result in further legal action to enforce my rights under the Fair Credit Reporting Act. Please respond to this dispute in writing within 30 Days from the date of this letter.

I appreciate your prompt attention to this matter. Please direct all correspondence to my contact information above. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I was one day late for my payment, I paid in full the next day. I was charged {$170.00} on XX/XX/XXXX for this. I understand I was late and I accept that. However, XX/XX/XXXX I was charged another {$170.00}. I paid on XX/XX/XXXX the day it was due, and there was no balance. I have never had a balance on this card except for the one day I was late. When I called and asked why I got charged another {$170.00} when I paid on time and in full. The customer service person didn't even know they had to go ask someone. I was told I am charged two months in a row interest for the one day late payment. Why? No balance was carried forward. Of course they will not take it off.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal and urgent demand for the immediate blocking and permanent removal of fraudulent items that are currently being reported on my credit file. The following fraudulent items were illegally placed on my report as a result of identity theft : These items are unlawful and have caused significant and measurable harm to my financial life, obstructing my ability to obtain basic needs such as housing, credit, and other essential services. You are required by law to act swiftly and in full compliance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ).

Your Legal Obligation Under Section 605B, once you are notified of identity theft and provided with supporting documentation, you are legally bound to block the fraudulent items from my credit report without any further investigation. You have no discretionary power to delay or dispute this process, and any failure to comply constitutes a willful violation of federal law. 

I am providing the following documentation, which unequivocally establishes my identity theft claim : FTC Identity Theft Report Social Security Government-issued identification Proof of address You are now legally obligated to remove these items from my credit file immediately upon receipt of this letter and the accompanying evidence. Failure to act within the legally mandated time frame of XXXX business days will result in formal complaints filed against you with the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ), as well as potential legal action to enforce my rights under the Fair Credit Reporting Act. 

Furthermore, should you continue to report these fraudulent items, you will be liable for statutory damages, as well as any actual damages I have suffered as a result of your non-compliance, including but not limited to attorneys fees and punitive damages for willful violations.

Immediate Action Required I expect immediate confirmation that you have fully complied with your obligations under the FCRA. This includes the permanent blocking and removal of the fraudulent information from my credit file. This matter must be resolved within five business days of your receipt of this letter, or I will proceed with legal and regulatory actions as stated above. 

Thank you for your prompt attention to this urgent legal matter. 
Sincerely, 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 dispute the following information in my file. I recently received a copy of my credit report and I notice there is an unauthorized credit inquiry made by the company listed at the end of this document. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the fair credit reporting act XXXX as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in the unauthorized credit inquiry. As part of your investigation, please send the names, business addresses and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I request a copy of any documents authorizing credit inquiry and signed on my behalf so that I may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind to forward to me documents that you have had the unauthorized inquiry removed. If you find that I am in error, please send proof of this. According to the provisions of XXXX ( 15 us S 1681j ), there should be no charge for this report. 
Thank you. 

XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX : XX/XX/XXXX XXXX XXXX  XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX  XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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

california check cash amount XXXX opened XXXX XX/XX/year> this was paid been disputing for 5 years
Product: Checking or savings account

On XX/XX/16 my checking account was hit for {$180.00} and {$26.00}. Did not make these charges and never received any merchandise.
Product: Student loan

I have worked in public service since XXXX and have been paying on my student loans for the same length of time. In XXXX I contacted Great Lakes ( my student loan servicer at the time ) and let them know I was interested in being on a payment plan that would allow me to qualify for the Public Service Loan Forgiveness ( PSLF ) program. They put me on a plan and I continued paying monthly for years. While researching sometime in XXXX, I became confused at what payment plans qualify for PSLF because my current plan didn't appear to be listed on the websites I was reading. I contacted Great Lakes to inquire about this and they changed my payment plan at that time. Now that my student loans have been transferred to XXXX XXXX, they inform me that for the three years of payments from roughly XXXX - XXXX, the payments do not count towards PSLF because I was on the wrong payment plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting the following alleged medical debts that have not been validated and updated with the company name or contact information. I do not know 1 ) if this is my debt - 2 ) if it is my debt Who I owe and where to pay! I have already disputed with Equifax multiple times over 4 - 6 months and still I do not have further information about the alleged debt listed below. 

I have a right to an accurate credit file and these type of inaccuracies are unacceptable! 

Account XXXX. XXXX XXXX {$510.00}