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

To whom it may concern : This document is my request for any information on my delinquency or derogatory behavior. I would like this information to be reported accurately and completely in accordance with all established laws and standards. I want any potential negative information to be confirmed. I want to know the absolute truth and facts about it, even if it is certified. You need to have a process for reporting which follows the Metro 2 data field formatted reporting standard. I don't think your report is accurate because of the claims in this complaint. I don't think your report is accurate.I challenge you to make a document that shows all of the evidence for each claim. The document should be verified as correct, complete, and true. You should be aware that, according to the XXXX XXXX : " ANY DEVIATION OF THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA ''. The report you sent me does not seem to be accurate. I am not sure if the reporting process was done correctly or if the format is correct. Because of this, I can not say that your claims are accurate. Even if the collection rights are still valid, which is not clear, your claims would not meet the minimum requirements for a legal and ethical report.The below-noted claims are disputed and have not been confirmed as facts.I am requesting that you remove any false accounts from my credit report. I only want factually accurate, verified, and compliant data documented on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

All my accounts are current yet my credit score reported XXXX   is XXXX Equifax is XXXX. My score is is usually mid XXXX as it were XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter previously ( XX/XX/2021 ), asking to reinvestigate the accounts being reported to my file but the bureaus never responded back. It has been over 60 days since then and I have not any response yet. I think I am being taken for granted, being taken advantage of and being ignored of my disputes. 

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. 

I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Payday loan, title loan, or personal loan

Local XXXX XXXXs sent me a check and on XX/XX/XXXX I cashed it as soon as I cashed it the branch manager they're called me I was out work so it went to voicemail then called my husband right after then called my family relatives spoke with one of my relatives and told them I cashed 1 of their checks and should they be worried. Then continued to verify all my information with my relative wondering if the number I provided was correct even know it was the same number in the system for several years. I do not speak what this relative I was very embarrassed finding out that local financial told them that I cashed a check and wanted to know if they should be worried. I spoke with XXXX upper management and he did research and told me he sorry for the inconvenience and it won't happen again I was expecting more to take place on this. Then the branch manager called me today telling me I need to come in there and make a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS complaint that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The 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 : XXXX XXXX XXXXXXXX Balance : {$22000.00} ; XXXX Inquiry Date XX/XX/2022
Product: Student loan

I was told at Lincoln XXXX XXXX technology in XXXX Colorado was one of the schools that was in a fraud case they need to expunge people students loan I dont know how true this is
Product: Debt collection

I am writing to formally dispute the debt referenced by account number XXXX recently received communications rregarding this debt, and I am requesting validation and assignment of the debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ).

To assist in my review of this debt, please provide the following information : 1. Verification of the Debt : The original amount of the debt, the current amount, and a detailed account of any interest, fees, or charges that have been added.

2. Assignment of Debt : Documentation evidencing that the debt has been legally assigned or sold to your company, including the date of the assignment and the terms of the assignment or sale. 

3. Original Creditor Information : The name and address of the original creditor, as well as any account numbers associated with the debt when it was held by the original creditor.

4. Payment History : A detailed account of the payments made on the debt, including the dates and amounts of these payments.

5. Contract or Agreement : A copy of the original contract or agreement that created the debt, bearing my signature.

I kindly request that you cease all collection activities, including phone calls and written communications, until you have provided me with the aforementioned documentation. Failure to provide this information within 30 days of receipt of this letter will result in my considering the debt invalid and may prompt further action on my part to dispute this debt with the relevant credit reporting agencies.

Thank you for your prompt attention to this matter. I look forward to receiving the requested documentation to resolve this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my credit report and noticed it contained a lot of errors pertaining to my Personal Information. I am requesting that you promptly update and delete the following unknown accounts : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX. Please see the attached copy of my Driving Licenses and Social Security Card for your reference. For the record I have lived in the same residence for over 3 years. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is inaccurate. I am  requesting the verification of the metioned accounts above, of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. Please delete/remove the following unverified accounts :
Product: Student loan

I never took out this loan. I have been paying on it for years believing it was part of the federal loan, the digital master promissory note is dated two months before filled out by hand federal promissory note, and has vastly different references and other information. I was misled and defrauded by both Navient and Corinthian colleges at this point. Attached is a copy of the unsigned promissory note and the signed federal note. If you review the two one is signed and dated XX/XX/06 and is in pen and the other the one completed by someone other than me and is dated XX/XX/06 and is typed. Further more the private loan is two months before the federal loans, this doesnt make sense because I never even stepped foot on a XXXX college campus until XXXX. 
I have tried speaking with Navient but they refuse to acknowledge any misconduct or fraud. I receive several harassing phone calls from them weekly. I need this to stop.
Product: Debt collection

I noticed a debt collection on my credit report in the amount of {$730.00} that I was never notified of this debt or nor was it ever validated or given the opportunity to validate it.
Product: Debt collection

People are calling my family threatening to have me arrested saying they have to get ahold of me for a court summons They leave this phone number XXXX and a case number. They call my family everyday and have even threatened to throw them in jail if they do n't find me. XXXX family member received XXXX calls in one day. The loan was over 3 years ago. I 'm now on XXXX and ca n't afford anything right now.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX  TransUnion
Product: Credit card

Chase credit card account # XXXX XXXX XXXX XXXX. I had overpaid more then once and they sent me a letter in XXXX of 2023 saying they were going to give my over payment to a government agency. I contacted them and i never got my money but they did charge my a late charge. They did used one of the overpayment check {$79.00} on XX/XX/2023 toward my balance, but there are 3 more overpayment checks chase has. Chase did try to send checks for the overpayment years ago but i never cashed them. i would have to look for the checks. I told them to use the money on my monthly credit charge and they didn't use the money they had of mine and they charge me a late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

While showing that my mortgage is an individual account, the remarks " In chapter XXXX bankruptcy ''. 

I am not, nor have I ever been, in bankruptcy. I contacted opened a dispute with Transunion. The dispute shows that the lender, XXXX XXXX XXXX, confirmed that the information is correct. Please note, it is not. That is supported by NO other creditor marking any late payment or bankruptcy. There WAS NONE.
Product: Checking or savings account

They hit me recently for a {$35.00} overdraft fee for XXXX and I was getting to that
Product: Credit reporting or other personal consumer reports

XXXX, Experian, XXXX and XXXX XXXX XXXX is in Direct Violation of The Fair Credit Reporting Act. XXXX XXXX XXXX, account XXXX, has violated several of my rights. 15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act, and please Dont respond with validated because I'm not asking for anything to be validated or verified.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information - Failure to Investigate in Violation of FCRA 605B And 611 Dear Experian, This letter serves as a formal dispute regarding inaccurate and unverifiable information on my credit report. Despite multiple attempts to address this matter, Experian has failed to conduct proper investigations and continues to report inaccurate information, in violation of the Fair Credit Reporting Act ( FCRA ) and as supported by the Consumer Financial Protection Bureau ( CFPB ) lawsuit against Experian for sham investigations. 
The disputed accounts ) include : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under FCRA 605B [ 15 U.S.C. 1681c-2 ], I am entitled to have fraudulent or unverifiable information blocked from my credit report upon providing proper notice. Additionally, the CFPB has documented Experian 's systemic failures to investigate disputes properly, including : Conducting sham investigations.

Failing to provide consumers with accurate or consistent investigation results.

Improperly reinserting deleted information.

I have attached supporting documentation to substantiate my claim, including [ list supporting documents, e.g., police report, identity theft affidavit, account statements, previous dispute correspondence, etc. 

DEMAND FOR RESOLUTION
Product: Debt collection

I received a letter from convergent outsourcing solutions about a bill I owed to dish network. This was not on my credit report either. I called and settled the debt for half of what was owed since they couldn't verify why an extra XXXX dollars was added to the debt with them before the deadline they provided. I had noticed my account showed I hadn't paid so I called back and they said they had been having problems processing payments. Was instructed to go to XXXX XXXX  website while on phone and pay there which I did and I specifically made clear that this wouldn't go on report since I have paid. It is now on my credit report currently and they company keeps calling me about this debt and once I'm on the phone they realize I had settled and say they will let a supervisor know and everything is taken care of. I'm getting harassed by phone calls for a debt that is paid and they are fraudulently report this on my credit and nobody I've talked to there seems to care. They just keep saying they let their supervisor know and nothing is getting done.
Product: Debt collection

I received a bill 3 years after a XXXX was performed, which I paid out of pocket for from XXXX XXXX XXXX XXXX XXXX XXXX. The date of XXXX was XX/XX/XXXX and I received a bill for the first time in the beginning of XXXX. I went back and forth with them, but they kept telling me to call my insurance, except my insurance kept saying to call them. Now, it is impossible to get anyone to answer the phone in the billing department of XXXX XXXX to even dispute this issue. THis is showing up on my credit now and causing a derogatory remark which is hurting my credit. I have left numerous messages and called dozens of times without a return call. I started to research and found that this is something they do a lot via XXXX and everyone is saying the same thing via XXXX reviews. This is not acceptable. This company is banking on it not being possible to reconcile 3 years prior and forcing people to pay money that they didn't owe because they don't want a ding on their credit. This is WRONG.
Product: Credit reporting or other personal consumer reports

XXXX XXXX ACCOUNT # : XXXX PXXXX XXXX XXXX  IS IN VIOALATION OF INVADING MY PRIVACY, THEY HAVE MY INFORMATION AND I NEVER DID BUSINESS NOR SIGN A CONTRACT WITH THEM. 

AND CREDIT REPORT IS IN FULL VIOLATION 1. ACCOUNT ACTING AS A CHARGE OFF & COLLECTIONS AT SAME TIME 2. WRONG DATE OPEN & NO CLOSED DATE 3. PAYMENT HISTORY, ACTIVITY STILL OCCURING EACH MONTH AFTER ACCOUNT CLOSED
Product: Credit reporting or other personal consumer reports

Your Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX Equifax Dispute Department Equifax Information Services LLC XXXX XXXX XXXXXXXX XXXX XXXX XXXX Dispute of Unauthorized Hard Inquiries on Credit Report Dear Equifax Dispute Team, I am writing to formally dispute unauthorized hard inquiries on my Equifax credit report. After a thorough review of my report, I identified several hard inquiries that I did not authorize, as listed below : Disputed Hard Inquiries 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 XXXXXX/XX/XXXX I did not authorize these hard inquiries, nor did I initiate any actions that would have resulted in their placement on my report.

Legal Basis for Dispute Under 15 U.S. Code 1681b ( c ), only permissible purposes may warrant hard inquiries on a consumer report. These inquiries do not align with my credit application history, nor did I grant any creditor the necessary authorization. Additionally, 15 U.S. Code 1681c-2 states that a consumer reporting agency must block the reporting of any information resulting from identity theft or unauthorized actions within 4 business days of receiving notice. 
Pursuant to the Fair Credit Reporting Act ( FCRA ) : I have a right to privacy and confidentiality under 15 U.S. Code 1681 ( Section 602 A ), and these unauthorized hard inquiries are a violation of that right. Under 15 U.S. Code 1681i, I have the right to dispute inaccurate or
unauthorized entries, and the reporting agency must investigate and correct any errors.

Requested Action Please remove the listed inquiries from my credit report within 4 business days of receiving this notice. Failure to resolve this matter may lead to further claims for statutory damages for unauthorized entries on my report, as these hard inquiries impact my credit score and financial standing without my consent. 
Thank you for your prompt attention to this matter. I look forward to confirmation of receipt of this dispute and the resolution of my credit report. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried to write a check for groceries at XXXX XXXX for {$68.00}. The transaction was denied by Certergy Check Services ; a check verification service, without cause. On multiple attempts to find out why, the agents of Certegry, via phone provide no useful help or information. The date of the incident was XX/XX/2019. The location was XXXX XXXX XXXX, XXXX Colorado. I have shopped at this store for 10 tears and other branch stores for 40 years and have never had a problem. I have no history for financial problems and the account is valid and at least 20 years of active use with a positive balance and overwrite protection that has never been used.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theft and harrassment and stolen vehicle suspect also stole my drivers licence and cellphone and adding fraudlent charges to credit report, suspect stole the vehicle that was in my name from another victim XXXX XXXX XXXX at XXXX XXXX XXXX
Product: Credit card

My Apple credit card was charged in XXXX XXXX XXXX in the amount of {$550.00}. I did not recognize this purchase as my phone was lost at the time so someone may have used my Apple pay or easily accessed my card info. I made a dispute and after 3 months they decline the dispute with no evidence as to why they couldnt refund me. I opened another dispute in XXXX and they are requesting evidence from me, when they didnt even send any evidence. I have spoken with multiple agents and called and no one has helped me with this process. It has been very difficult. I have heard many similar stories with this card from other people.
Product: Credit reporting or other personal consumer reports

I am currently reviewing my Equifax Credit report and there is an address reporting on my credit report that is not mine. 
Below is the address that I would like to have permanently deleted : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraudulent accounts on my credit report, which I reported to XXXX XXXX  XXXX, yet XXXX XXXX XXXX is not removing this fraudulent account. BANK XXXX XXXX has no right to refuse to remove these fraudulent accounts because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet XXXX XXXX  has refused to do this. The followings are the fraudulent account : XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$3100.00} and XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$4600.00} that were opened at an address which I have never lived at and it has nothing to do with me. 
The fraud address is the following : XXXX XXXX XXXX UXXXX XXXX XXXX XXXX XXXX CA XXXX.
Product: Vehicle loan or lease

DriveTime from XXXX, Florida ripped me off. My car is {$8000.00}. I literally bought this car 3 weeks ago. Why does my loan say I'll pay {$25000.00} at the end of my loan. My interest was 25 percent. Like they say, " Never let a crisis go to waste. '' I am on XXXX and they refuse to assist neither did the loan company XXXX wanted to assist or change the terms. They made is so that I could not trade in my car because I had alot of negative equity. If I wanted to trade in my car at another dealership, I had to put {$10000.00} dollars down. My car was only worth {$3000.00} as a trade in. Don't go here. Drive Time XXXX used this crisis to prey on people like me. Beware.
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report and found that theyre are several inaccurate data points within my personal identification that you are reporting. 
My only name is XXXX XXXX XXXX And my only address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX Please delete and other names and addresses that you are reporting
Product: Credit reporting or other personal consumer reports

Experian did not properly investigate disputes and failed to remove errors on my credit report which threatened my access to credit. I was denied approval from XXXX, XXXX and XXXX due to inaccurate and incorrect information. Experian has failed to properly address my disputes and does not accurately convey all relevant information and has used faulty intake procedures. 
The Fair Credit Reporting Act requires that consumer reporting agencies such as Experian take proper steps to ensure consumers reports are accurate and to formely conduct investigations of information. Experian has failed to prevent or greatly reduce inaccurate information on my credit report which has caused harm to my credit report.
Product: Debt collection

They are trying to collect a medical debt that is invalid. I had 2 insurances at this time. They have very little info on original creditor, and the info they do have is very incorrect.
Product: Money transfer, virtual currency, or money service

On XX/XX/2024 I initiated a wire transfer from Ally Bank to another bank account which is also in my name. The money transfer form promised same day delivery. I placed my wire transfer request at XXXX XXXX, many hours before the XXXX XXXX  cut off time, and the wire transfer stayed in " review '' all day. I am transferring money out to purchase a vehicle and I may lose the vehicle if the wire transfer does not come very soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a dispute with XXXX about 5 Dept. of Education/Nelnet accounts that are showing on my report. The amounts of the 5 accounts are {$2200.00}, {$3500.00}, {$3700.00}, {$4500.00} and {$5100.00}. I requested for them to send me a signed contract ( proof ) of these and was only told they have been verified but nothing was sent to me in my file to show me a signed contract. On XX/XX/XXXX I submitted another dispute with XXXX about 5 US Dept. of  Ed/XXXX/XXXX accounts that are also showing on my report. These amounts are {$4500.00}, {$3500.00}, {$5800.00}, {$7500.00} and {$3600.00}. I requested the same for these accounts, a signed contract ( proof ) and was told the same, they have been verified but NO proof was sent to me in my file. All 10 of my disputes were updated on XX/XX/XXXX. These also show on my XXXX  and XXXX   report as well.