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

Experian and XXXX do not allow for convenient uploading of documents to dispute errors. On multiple occasions, I've tried to upload documentation to their dispute portal to prove that there is an error on my credit report, but the system never works. The documentation can't be uploaded and, you get an error message. The error message recommends and option to file without documentation, which you can't actually provide. Then 30 days later, and as a result of not being able to upload the documentation, they side with the company showing the incorrect information. How am I to prove that the information is in correct, if I can't attach/include the documentation that would show the incorrect amount? 

The onwnus is on the customer to prove the company is incorrect. But the customer can't prove it easily and the company is not going to be truthful. Ever. You are wasing the customers time and extending the impact the incorrect information has on a persons credit report and rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello there, So on XX/XX/2023, I received notification from my bank and XXXX XXXX app stating you had a single hard inquiry on your XXXX credit report, and while I opened my credit report, I saw there was one hard inquiry from COMENITYCAPITAL/SEPH on XX/XX/2023. When I XXXX it, I found this is the Sephora credit card, but I never applied for this card and have not even applied for any other credit card or loan since last 6 months. 
So please dispute it and suggest to me what to do about this theft of my personal information. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law : XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXX XXXX Balance XXXX : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
Product: Credit reporting or other personal consumer reports

XXXX verify is using my copyrighted intellectual property to furnish information to XXXX without my expressed or written consent. Provide me with evidence that proves you can furnish this information about me. How was this alleged eviction verified? Resident verify does not have permission to obtain my consumer report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
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. 

Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX  XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Unauthorized inquiries : XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had a late payment on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report the complaint on the following date : XX/XX/year>2024. I am now requesting you investigate and provide verifiable proof- with records- showing that I had late payments. If this information can not be verified, I demand these payments be updated to 'paid on time ' immediately. Thank you for your understanding and prompt action.
Product: Debt collection

90 % of my debt was debt thats not even mine as its been sold after creditors were charged off without even letting me know even when Ive been in the middle of making payments
Product: Credit reporting or other personal consumer reports

Subject : Urgent : Address Dispute and Breach of Personal Information Dear Equifax Dispute Resolution Team, I hope this message finds you well. My name is [ Your Full Name ], and I am reaching out to address a critical matter regarding my personal information that has been breached, compromised, and fraudulently used by a former employee. 

In support of my dispute submission, I have attached the necessary documents through the Equifax web citrix, as per the outlined procedures. Regrettably, I must express my deep dissatisfaction with the lack of fairness and attention my case has received from Equifax. 

The specific concern at hand pertains to the inclusion of an address that is inaccurately listed in my file. This address, a po box , is not only outdated but also fails to reflect my current residence. It is crucial to emphasize that I neither receive mail at this po box nor is it representative of my current address, which I have owned for over 23 years. 

Equifax 's failure to promptly rectify this discrepancy has not only compromised my standing as a consumer but also as a creditor to my estate. Given the urgency of the matter and Equifax 's apparent negligence, I am left with no recourse but to consider legal action if the inaccurate address is not promptly deleted and amended to reflect my accurate and physical residence. 

I trust that Equifax will address this matter with the urgency and seriousness it deserves to avoid further legal implications. 

Thank you for your immediate attention to this pressing issue.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for the violation of my rights under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ). Despite providing Experian with all necessary documentation, including the FTC identity theft affidavit, Police report, proof of identification, and proof of residency, Experian has failed to comply with the statutory mandate to block fraudulent information from my credit report within the stipulated timeline. 

Once again, I am attaching all of the required documentation to this dispute to show that Experian has everything they need, as per the law, to block these fraudulent accounts. 

The specific issues I am facing involve the presence of multiple fraudulent accounts that are causing significant distress and financial disruption. Despite my status as a victim of identity theft and having reported the incident to both the Federal Trade Commission ( FTC ) and the XXXX Police Department, Experian has not taken the necessary steps to block these accounts from my credit report. 

Furthermore, I have requested Experian to block all addresses not belonging to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, from my credit report. I have also requested the removal of all aliases not limited to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and the elimination of employment information not associated with XXXX XXXX. Experian 's failure to adhere to these directives exacerbates the inaccuracies and financial impact caused by the identity theft. 

I have previously communicated these concerns directly to Experian, as detailed in the attached correspondence. Despite these efforts, the issue remains unresolved. 

I am seeking the intervention of the Consumer Financial Protection Bureau to ensure that Experian complies with the law and takes immediate action to rectify these issues by blocking the fraudulent accounts, removing unauthorized addresses and aliases, and eliminating incorrect employment information from my credit report. 

I appreciate your prompt attention to this matter and request assistance in resolving this issue in accordance with the FCRA and consumer protection laws. 

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

Firstly, I want to stress the vital importance of adhering to FCRA Section 602 ( 15 USC 1681 section 602a ), which underscores the duty of consumer reporting agencies to maintain fairness, impartiality, and an unwavering commitment to safeguarding consumer privacy. Additionally, I firmly assert my rights guaranteed under 15 USC 6801, which ensure that my personal information is protected by financial institutions acting as suppliers of data to credit agencies. I have expressed directly to these companies that I would not like my non-public information shared.

My primary concern revolves around the sharing of my information without explicit written consent. FCRA Section 604a ( 2 ) explicitly dictates that consumer reporting agencies are only authorized to provide reports upon receiving written instructions from the consumer. I do not believe I have given any consent to share my personal information and I hereby retract any implicit or verbal consent previously extended to entities like XXXX, Experian, XXXX or other information furnishers to credit agencies. 

The reporting of adverse items without proper authorization is deeply troubling. According to 15 USC 1681C ( a ) ( 5 ), it's explicitly prohibited to report adverse information without explicit permission. It seems this regulation might have been violated, necessitating immediate attention and corrective action. Evidence of multiple items that are marked derogatory.

Moreover, the breaches of reporting laws outlined in 15 U.S. Code 1681s2 ( A ) ( 1 ) and 15 U.S. Code 1681e cast significant doubts on reporting agencies ability to uphold reasonable procedures. These infractions severely undermine the trust and confidence that should be placed in the accuracy and integrity of reported information.

Lastly, I formally exercise my right to opt out of your reporting services here with CFPB as witness, as provided by 12 CFR 1016.7. It's imperative that my opt-out request is promptly acknowledged and actioned upon with the immediate removal and deletion of all stored data involving XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2020, I contacted Conn Home Plus to see what options for payments to get had available to assist customers during the COVID 19 pandemic. They offered to refinance my account if I was to  make a payment of {$160.00} by XXXX XXXX and going forward my payments would drop from XXXX to {$130.00} per month. The payment was made and the contract was signed and dated on XX/XX/2020. All through XXXX, XXXX, XXXX, XXXX and now XXXX I have received harassing phone calls and now a letter from and Attorneys office about the old account. I have contacted Conn on  multiple occasions asking them what is going on and why are they sending harassing emails and calls. Each time I mentioned that I had refinanced the loan and waiting on the new account as I told them was supposed to be to me since XX/XX/2020 they would give me an explanation that due to COVID 19 they were behind and it could take 90 days but the contract had been signed and payment has been made so everything things is ok. I had no worries. On XXXX XXXX I received a letter from an Attorneys office about the old Debt to Conns wrong amount and all. I have been harassed for months and no resolve. Ive forwarded the contract signed by my self and Conn to the attorney XXXX XXXX in WI. The amount owed isnt correct because payments have been made to Conn Appliances, INC. I have my phone records with the dates and times and duration of the calls with Conn regarding the new account and the harassment.
Product: Debt collection

I was told documents were verified. Ive asked several times see to proof of my sign signature on documents.
Product: Debt collection

I XXXX XXXX XXXX have no other recourse but to file a complaint with the Consumer Financial Protection Bureau, because XXXX XXXX   refuses to protect my rights under the Fair and Accurate Credit Transactions Act. I was a victim of identity theft by my ex-wife during divorce proceedings, and XXXX XXXX  as well as their respective lawyers trying to collect this debt are aware of all of the facts. If XXXX XXXX  ever decided to take legal action on this indebtedness, they will find the case thrown out of court with prejudice. Accordingly, the only thing that XXXX XXXX  can do is damage my personal credit rating to partake in this fraud. I believe that any continuance on collections must cease and desist immediately, and that any reference to this account on each credit bureau should be deleted permanently. Identity theft has been proved and the attached documentation shows my position to be honest, along with a final divorce decree by the judge in said case docketed as XXXX, XXXX XXXX, XXXX  of Massachusetts, Probate and Family Court Department. XXXX XXXX  continuing with a negative reporting of the XXXX XXXX credit card on all respective bureaus is a violation of their subscriber agreement whereas honesty and integrity must be maintained and consumers rights under the Fair Credit Reporting Act, the Fair and Accurate Credit Transactions Act and the Fair Debt Collection Practices Act must be strictly adhered to. My complaint is solid and based upon a true definition of identity theft. My name must be cleared across the board on this matter. 

XXXX XXXX XXXX
Product: Debt collection

I DO NOT RECOGNIZE THIS DEBT. I HAVE ASKED THE COMPANY TO PROVIDE ME PROOF OF THIS DEBT BUT THEY ARE NOT ABLE TO PROVIDE ME ANY DOCUMENTS WITH MY SIGNATURE AGREEING THE THIS UNKNOWN DEBT. PLEASE REMOVE!
Product: Credit reporting, credit repair services, or other personal consumer reports

Enhanced Recovery Co L XXXX XXXX XXXX XXXX FL. XXXX Collection opened XX/XX/2020 {$1200.00} Enhanced Recovery is not a license business in the State of Oklahoma, therefore, they can not lawfully report to the credit bureau, XXXX
Product: Checking or savings account

Been verified took {$1.00} from my account I immediately phoned my bank CHASE to let them know the transaction was not accurate, my bank was able to retrieve the XXXX back fast forward 3 days later the same merchant has taken XXXX from my account I filed a claim but the money could not be replaced because the merchant says I have a service with them which I do not. 
I don't understand why my bank CHASE would allow this merchant to go into my account twice after I called about this merchant the first time. Chase banks does not protect your money and to wait on hold to speak to nonchalant workers for a half hour at a time has been a complete waste of time and headache. Been verified is a scam well doing research on the company they have free trails so how was my card charged twice?! I have never agreed on there website for any monthly subscription besides what monthly subscription charges you 3 days later. This whole situation doesn't make any sense.
Product: Bank account or service

I was giving a check from my brother in law. He wanted me to deposit the check into my account. Since i know he does n't have any deposit account. Before I cash the check, i went to the person that wrote the check and make sure it was n't a fake check. Everything was good. I deposit the check into the ATM. My brother in-law sign the check, since its under his name. I did n't. A few days later i notice my account has been closed. First they accused me of FRAUD. When its not true. The check is 100 % legal. After a few days of investigation. They say they closed it due to me not signing the check as well. The owner of the check went to chase branch to face them that its okay for me to cash the check. I was n't aware i had to sign the check as well. I thought im already giving permission by depositing the check into my account. I very honorable lady. I asked them if they could give me the check back and i will sign it. I was n't aware of the signature. Im sorry of my .mistake but i did n't know i had to sign the check as well. Please help me. Im searching on possible ways to resolve this problem. im not a delinquent. That 's why im doing everything i have to do to clear my name.
Product: Credit reporting

I am being denied credit because of some information that is no longer correct. 
Case or ID # XXXX Chapter XXXX was discharged on XXXX XXXX 2015. This is still showing up as being filed and needs to be listed as discharged. This is causing issues on my end. Please correct this asap. Thank you .... 
DOCKET # XXXX -- this needs to be removed. it is more than 8 years old ... deleteDOCKET # XXXX -- Needs to be deleted ... I am no longer liable for this account. 
XXXX # XXXX NEW INFORMATION -- this needs to be removed. I am no longer liable for this account. 
XXXX # XXXX NEW INFORMATION -- this needs to be removed. I am no longer liable for this account. 
XXXX # XXXX NEW INFORMATION -- this needs to be removed. I am no longer liable for this account. 
XXXX # XXXX NEW INFORMATION -- this needs to be removed. I am no longer liable for this account. 
XXXX # XXXX NEW INFORMATION -- this needs to be removed. I am no longer liable for this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request 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 : 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
Product: Student loan

Nelnet student loans servicer is reporting my loans increases interest while in deferment in red to appear as a negative then right under them in red they are reporting my student loans in blue to look as if I have loans than what is actually. 

They did this just in XXXX or XXXX. When I filed a complaint they removed all of my loans in red. Now they have replaced them in XXXX, XXXX. 
I have had these loans since XXXX and XXXX had they reported my loans in red for each time interest is applied to my balances while in deferment until XXXX and XXXX. 

I believe Nelnet is purposely placing the list of my outstanding loans in red and blue to make my creditworthiness damaging and make me look like I have 100 loans when thats not true.
Product: Credit reporting, credit repair services, or other personal consumer reports

After submitting letters by certified mail to " XXXX XXXX  '' the collection company that it is reporting me and also to the 3 credit Bureaus XXXX, XXXX and Equifax. The information in my credit report still showing discrepancy. On XX/XX/XXXX it was showing as the account was closed and then in XXXX it was active again. Also, the balance showing in that account keeps changing constantly. Up to this day the company " XXXX XXXX '' as been able to provide proof that this account belongs to me, and it hasn't been verified with the credit Bureaus. Please investigate this matter and correct the disputed item as soonest possible.
Product: Credit reporting

XXXXRe : Equifax Credit Report of XXXX XXXX XXXX, XXXXI need your help to increase my credit score to where it rightfully should be so that I can qualify for better interest-rate terms. Currently, the credit reporting agencies are inaccurately reporting on my mortgage debt. I believe this adversely affects XXXX consumers ' credit scores ; and by design or not, greatly benefits the financial industry by their being able to justify charging consumers higher interest rates on consumer debt. 
Since XX/XX/XXXX I paid my mortgage on time. But the credit reporting agencies do not reflect reality. In fact, there is no history of me even having a mortgage prior to XX/XX/XXXX. This is inaccurate by omission. 
Paying one 's mortgage on-time for 15+ years is one of the best things to do to increase one 's credit score to qualify for record-low interest rates. 
My Equifax credit report does not show or give me credit for 15-plus years of paying my mortgage on time. Instead the only mention of my mortgage is a two-month period from one mortgage-service company in XX/XX/XXXX. And another 2-year period of on-time payments from another mortgage service company from XX/XX/XXXX-XX/XX/XXXX. That 's it. 
To remedy this error that has already cost me tens of thousands of dollars in higher interest rates and will continue to cost me in higher interest rates until this is corrected, I want the credit reporting agencies to report that I have paid my mortgage on time since XX/XX/XXXX. 
Thank you so much.