23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am challenging the following items with Equifax since they are stalling the investigation and are being ridiculous ... 

1. XXXX XXXX / XXXX - How is the dispute not specific? THIS IS NOT MINE! REMOVE IMMEDIATELY! 

2. XXXX XXXX / XXXX ( Same as above???? ) REMOVE IMMEDIATELY as it's a duplicate item that does not belong to me 3. XXXX / XXXX - This is NOT MY ACCOUNt. NO PROOF no documentation and no statement? PLEASE REMOVE IMMEDIATELY 4. XXXX  / XXXX - Same as above - duplicate INACCURATE Account that DOES NOT BELONG TO ME! Have it removed immediately! 

5. XXXX XXXX / # XXXX - NEVER GOT ANYTHING IN REGARDS TO THIS. DOES NOT BELONG TO ME and it was NEVER VERIFIED via legal and proper signed documentation! Remove immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Number : XXXX Account : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX I am writing because I noticed some inaccuracies on my credit report that is damaging my score and needs to be updated immediately. This bank is reporting XX/XX/XXXX and XX/XX/XXXX as late payments however, according to the fair crediting act, US code 1681s- 2, reporting information during covid19 pandemic the covered term period began XX/XX/XXXX through the ending on the later of 120 days after XX/XX/XXXX. This closed collection account is also reporting an incorrect monthly payment of XXXX and the status of the account says 'current '. Due to the multiple errors this account is reporting, please remove this account from my report indefinitely.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX 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 fraudulent, inaccurate, and false information consists of a These fraudulent accounts consist of personal credit card account opened atXXXX XXXX opened on XXXX in the amount of {$540.00}, XXXX XXXX opened on XXXX in the amount of {$3500.00}, XXXX XXXX opened onXXXX under account XXXX in the amount of {$1000.00}, XXXX XXXX opened on XXXX in the amount of XXXXXXXX XXXX XXXX opened XXXX in theamount of {$4000.00}. A car loan at XXXX XXXX opened XXXX XXXX in the amount of XXXX. A loan at XXXX opened XXXX in the amount of XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing in my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the fraudulent items. I do not recognize the accounts, collections, or hard inquiries as reported. The accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Payday loan, title loan, or personal loan

I am trapped in my pay day loan. I called to let them know that I had lost my job and that I am looking for another job. But to my surprise, I see charges and interests that keep increasing. I called to negotiate to find an option that could stop this, but unfortunately they are not ready to help me. This is why, I come to you who have this great responsibility in order to help me to regularize this situation which becomes stressful and embarrassing. Thank you
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I have received the dispute results that your company has sent me, however, they have failed to make ANY corrections whatsoever NOTHING WAS CORRECTED XXXX, ZILCH, XXXX. So, Im just so freaking frustrated and ticked off and hurt right now. Because while I understand that it may not necessarily be your fault, the fact of the matter is that this agency is still reporting and selling inaccurate information about me even though there are credit reporting laws which are supposed to ensure they report only accurate credit information. Your agency has blatantly ignored my dispute and have responded to me with these accounts being updated or remaining. Nonetheless, I have found XXXX updates and have contacted creditors who have confessed to having no record of a dispute about me from your agency. This makes me absolutely sick to my stomach as Im sure it would the same for you if you were in my shoes! Regardless of what, Im writing to let you know that Ive been advised by legal counsel that Im entitled to recover money damages because of this. 

Every last one of these accounts are reporting information which varies from bureau to bureau so that in and of itself proves that these accounts are reporting inaccurately AND ALSO for some of them - I'm not even sure what they are so by the provisions of 15 USC, section 168li of the Fair Credit Reporting Act, I demand a re-investigation and deletion of these accounts and if you or your agency refuses to do so, I demand the names and addresses of the Resident Agent or Corporate Officers of this agency who are going to accept the responsibility of your actions in this matter. Unless immediately notified otherwise, Im going to assume that 30 days constitutes more than enough Reasonable Time for the re-investigation and correction of my credit report ( specifically these accounts listed below ). 

Here are the accounts in error : XXXX XXXX XXXX XXXX XXXX  Delete this erroneous account IMMEDIATELY! 

Also, pursuant to 15 USC, section 168li ( d ), please notify me in writing when these accounts have been removed or corrected. 

Thank you so very much for your help and support.
Product: Credit card

I received a call from a company saying they were with Chase Creditcard Services. they said someone had tried to use my card but did not have my mothers maiden name. We had a bad connection so i asked for a number to call back. they gave me the number, a case number, and a person to talk to. when i called back their was it was the right number but that person did not work there and case number did not exist. they recommended i report the fraud. The person that called had my SSN, date of birth, and an old address, but my chase account has my correct address. i would like a person to call me to discuss. 

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

I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after I sent the letters last XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please correct or discard these items immediately : XXXX XXXX XXXX Balance : {$4100.00} ; XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXX Balance : {$110.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have an inaccurate account on my credit report and need it remove I provided photo on the inaccurate 's.
Product: Student loan

I applied for loan consolidation and an income-driven payment plan ( XXXX  ) on XXXX XXXX. I complained to MOHELA on XX/XX/year> about being taken off of the XXXX payment plan. I was told I would be placed on a 60 day administrative forbearance while they processed the correction/income-driven payment plan application. On XX/XX/year> I received a billing statement for a standard repayment plan due XX/XX/year>. I called yesterday, XX/XX/year>. I was placed on hold several times and the call lasted over an hour without resolution. I was directed to studentaid.gov where I read to the agent from the website, If the borrowers application is not processed within 60 days, the borrower will be moved into a general forbearance that does not count toward PSLF or IDR until their application is processed. Interest will not accrue in this general forbearance. I asked if I would be placed an interest-free general forbearance because my IDR application had not been processed within 60 days. I was told NO. I was told I could only be placed in another processing forbearance, that would generate interest, with the XXXX  that I could ONLY be placed in this processing forbearance IF I called AFTER XX/XX/year>, when my current processing forbearance expires but BEFORE XX/XX/year>, when my current payment is due. This is contrary to the guidance I reviewed on XXXX, as well as extremely inconvenient to require me to make an additional ( the third! ) hour long phone call ONLY on XX/XX/year>, otherwise I will be assessed late fees and penalties for MOHELAs own inability to place me in a general forbearance as required.
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within XXXX  days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.
Product: Credit reporting or other personal consumer reports

MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX MIDLAND CREDIT MANAGEMENT IS ILLEGALLY ATTEMPTING TO COLLECT DEBT WITHOUT A LICENSE TO COLLECT IN THE STATE OF GEORGIA ON ACCOUNT : ( XXXX XXXX ACCOUNT : XXXX ) NOTICE TO CEASE AND DESIST You are hereby notified to immediately cease communications and reporting on my credit report concerning the collections and the alleged debt associated with the account referenced above. This letter serves as a written request pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). 
I dispute the validity of the debt that you claim I owe and request that you provide verification of the debt, including the original creditor 's name and address, the amount owed, wet ink signature, My fingerprints, Original contract, and proof that you are licensed to collect debts in my state ( if you are a debt collector ). Until such time as you provide verification of the debt, I am exercising my right to cease and desist all collection activities. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law. 
Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. It is alleged debt until it can be proven. With no supporting evidence it must come off the report. 


Furthermore, I am requesting that all communication regarding this debt be conducted in writing only. Please do not contact me by phone, email, or any other means except in writing. Any further attempts to collect this debt without providing verification or in violation of the FDCPA will result in legal action being taken against your agency. 
IF YOU OR ANY OTHER AGENT OF YOUR COMPANY ATTEMPTS TO CONTACT ME OR CONTINUE REPORTING THE ALLEGED DEBT, A FORMAL COMPLAINT WILL BE FILED WITH THE FEDERAL TRADE COMMISSION. 
Please move forward with the above request. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) In closing, please acknowledge receipt of this letter and confirm that you have ceased all collection and reporting activities on this debt. Failure to comply with this request will result in further legal action. 


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

My first letter to XXXX, Experian, and XXXX was dated XX/XX/2021, and my second letter was dated XX/XX/2021. As of today, I still haven't received any response to either letter. 

XX/XX/XXXX, the letter was about the inquiries, and XX/XX/XXXX, the letter was about verifying the bankruptcies on my credit file. Nothing has been addressed by any of the companies.
Product: Checking or savings account

Suntrust Claim Number : XXXX My husband 's wallet was stolen on XX/XX/XXXX. Fraudulent debit card charges in the amount of {$1200.00} and {$61.00} were made at a XXXX and money was withdrawn from an ATM in the amount of {$500.00}. A check was also deposited into our joint account in the amount of {$500.00} from XXXX XXXX of XXXX XXXX   that was denied. We filed a claim with Suntrust on XX/XX/XXXX. Suntrust denied the return of this money stating that these transactions were not done in error on XX/XX/XXXX. The total amount lost was {$1700.00}. Suntrust Fraud team reported under their Regulation E that they didn't have to return the money based on their investigation. I'm asking for help in this situation. My husband wasn't in any of these locations during the times of these transactions. We'll submit the police report number and the findings from Suntrust. We'd like Suntrust to confirm camera footage at their ATM and XXXX to verify who made these fraudulent transactions. This money taken was our XX/XX/XXXX mortgage payment. We really need this money back.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report. Thank you. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Timeline of Events On XX/XX/XXXX, {$14000.00} was withdrawn from my USBank Checking account ( ending in XXXX ) and electronically sent to an XXXX checking account ( ending in XXXX ). I filed two separate Claim Form for ACH Entries and Electronic Checks to USBank, dated XX/XX/XXXX, and XX/XX/XXXX. A reply letter from USBank, XX/XX/XXXX, stated that I did authorize the XXXX transaction, and my claim was denied. I called the USBank and XXXX Bank. 
XXXX XXXX did acknowledge the fraudulent transfer of money from my USBank checking account and placed the account ending XXXX into a frozen state. XXXXXXXX XXXX stated several times that they would transfer the money back to USBank, but USBank had to contact them and request that the money be transferred back to me. XXXX XXXX stated they have not heard from USBank ; the last conversation with XXXXXXXX XXXX  was XX/XX/XXXX. 
As a result of the fraudulent transaction steps, I had to take. Freeze all three credit reports ( XXXX, XXXX, and XXXX ), E-Verify, self-lock my social security number, and file with the FBIs Identity Theft Program, reference number XXXX. 
On XX/XX/XXXX, my last call to USBank, I was told basically that there is nothing more they could do, read a disclaimer, and hung up on me. When I called XXXXXXXX XXXX  on XX/XX/XXXX, they stated they had not heard from USBank. 
I notified the XXXX XXXX XXXX XXXX XXXX  ) of this. 
I started the process with the XXXX  on XX/XX/XXXX, with the XXXX XXXX XXXX XXXX XXXXXXXX. I heard back on XX/XX/XXXX, from XXXX and USBank, they stated that I did authorize this transaction, and there is nothing else that can be done. 
I attempted again on XX/XX/XXXX, and was denied again. 
I contacted the XXXX XXXX XXXX branch in an attempt to work with XXXX XXXX to return my money to my USBank checking account on XX/XX/XXXX. They stated that USBank must request the funds from XXXX XXXX and place the money back into my USBank account. 
I attempted a final attempt with the XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, and have not heard back from them. 
XXXXXXXX XXXX reference number XXXX and customer ID number XXXX. 
XXXX XXXX case number XXXX. 
XXXX XXXX XXXX case number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Experian responded to the dispute on there web page as up dated but there was no date showing an investigation. Experian has been sent 3 times the document from XXXX XXXX to remove this account from trade line and they refuse I request that an investigation in to the dispute by you it seems they refuse to delete this account enclosed is there up date and you will see what im talking about. both XXXX stated they do not own account therefore can not report on it, XXXX XXXX states remove account. experian please explain your action to CFPB and remove account
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe the reporting credit bureaus are in violation XXXX Experian And XXXX XXXX stated I have a verified bankruptcy on file, The US Bankruptcy Court States they do not report to reporting agencies : -XXXX  XXXX Bankruptcy Case Number : XXXX -XXXX XXXX Bankruptcy Case Number : XXXX This Is A Violation In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 the reporting agencies has violated my rights 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 b
Product: Mortgage

Back in XXXX and XX/XX/2018 we contacted The Money Source due to the company never applying our mortgage payment to our account. We have letters and cashed cashiers checks with dates stating they had and received the payments. The payments were never applied to our account causing in missed payments and missed payments on our credit reports. Each payment that was made with a cashiers check seemed to have an issue with the payment process. We contacted The Money Source and still have not received an email or call back regarding this issue. We were told that the issue was being looked into, but still have not heard a thing since.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} INQUIRIES : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Payday loan

did n't know that payday loans were prohibited in the state of GA and company did n't make me aware
Product: Mortgage

The law firm handling my mortgage has not had anyone in the office for me to talk to leasing up to this date. I have had to leave the state of XXXX  to take care of my parents. I am owed 7months worth of payments by a renter, whom then trashed the house then up and left. I did evict.
Product: Debt collection

I have a balance ( for what feels like forever ) with Discover card. I agreed on a monthly payment plan. Without my authorization Discover fraudulently took funds from mother 's account. I'm not sure how they got my mother 's information other than once she allowed me to use it to hold a hotel reservation which I ultimately used my Discover card to pay the hotel bill. My mother is XXXX years old an can not afford to have had this money taken from her. It got by both of us because we were grieving the XXXX of my father and my husband had just suffered a massive XXXX. My father paid all of their bills so it was much later that my mother realized this money was coming out of her account without our authorization. On XX/XX/XXXX I spoke with a Discover card representative, XXXX. I explained that they were drawing money from my mothers account without permission. I asked her to produce paperwork showing that I gave them permission to access my mother 's account. She told me that they don't keep those records but that she would refer me to the fraud department. After not hearing back from anyone from the fraud department I called Discover again onXX/XX/XXXX, spoke with XXXX, was told again that they would refer my complaint/request to the fraud department and again I never heard from anyone, but they continued to bill me every month. Subsequently I had to make another payment arrangement because the {$14000.00} balance had not really decreased in three years because of the incredibly high interest rate I was paying. I have a payment arrangement letter dated XX/XX/XXXX informing me that my direct pay would begin on XX/XX/XXXX. This letter does not show my account number but this is when they retrieved archived information and automatically took the money from my mother 's account. I did not realize this was happening. I just received a monthly email notification that the payment had been made. During that time I was transitioning from having my XXXX husband pay the bills to me assuming responsibility for the bills. However, I also have the letter dated XX/XX/XXXX enrolling me into a new direct pay agreement showing the ( my ) account number that I gave to them. They fraudulently stole money, approximately $ 7,000+ from my mother. I believe that their unwillingness to assist me in addressing this matter is an indicator of guilt. My mother is on a tight fixed income and can not now afford to make repairs in her home because this money was taken from her illegally and she doesn't have extra money.