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

I am writing to express my extreme frustration and disappointment with the repeated unsuccessful attempts to remove fraudulent items from my credit report. Despite numerous efforts on my part to rectify this matter, the fraudulent entries persist, causing significant distress and harm to my financial well-being. This complaint serves as a formal notification of the ongoing issue and my expectation for an immediate and effective resolution. 

I discovered unauthorized and fraudulent items listed on my credit report, which have had a detrimental impact on my credit score and financial standing. Upon discovering these discrepancies, I promptly took action to dispute the fraudulent entries by following the established procedures outlined by 3 Credit Bureaus Despite submitting all necessary documentation, including police reports, affidavits, and supporting evidence, the fraudulent items remain on my credit report. I have contacted your customer service department on numerous occasions, spending considerable time and effort to resolve this matter, yet to no avail. 

The persistence of these fraudulent items not only damages my creditworthiness but also undermines my trust in the integrity of the credit reporting system. As a victim of identity theft, I am entitled to prompt and thorough resolution of this matter to mitigate the adverse effects on my financial stability and reputation. 

I demand immediate action to address the following : The immediate removal of all fraudulent items from my credit report. 
Written confirmation of the removal, along with updated credit reports reflecting the correction. 
Compensation for any damages incurred as a result of the fraudulent entries, including but not limited to, financial losses, increased interest rates, and emotional distress. 
Failure to resolve this matter promptly will leave me with no choice but to escalate this complaint to the relevant regulatory authorities and pursue legal action to seek redress for the damages suffered. 

I urge you to take this complaint seriously and prioritize the resolution of this matter without further delay. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$400.00} XXXX  XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$400.00} XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My mortgage terms require monthly payments as of the first of the month, but allows a grace period without penalty through the XXXX of the month. For 12 years I have generally made payments no later than the XXXX of the month. In the last 3 months, CitiMortgage has used auto dialers which call between XXXX times a day leaving empty voicemails every time starting on the XXXX of the month until 2 days after my payment has posted. The calls start at XXXX and continue until XXXX
Product: Credit reporting

the credit Bureau ( s ) are reporting a charge off account that is not mines. They are violating the Fair Debt Collection Act.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting 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 Balance Owed : {$3400.00} XXXX XXXX XXXXXXXX Balance Owed : {$2600.00} XXXX XXXX Balance Owed : {$400.00} XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$3100.00}
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 looked at my credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate and according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( I ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuses to correct my Name on my credit report. I have sent a copy of my driver license, proof of resident, and my social security card to prove my name and that I am not a man. Equifax claims they never received my documents. Equifax has my name as XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have sent this complaint multiple times already that I have been a victim of identity theft but no one seems to care, that I want to dispute specific records in my file that do not belong to me, or that I have signed any agreement. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. I have once again attached my FTC complaint and Police Report which I have filed on my local police department to prove to yout that I am a victim of identity theft. Please remove the account : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I came across a job positing for the XXXX XXXX position with CitiXXXX  Per indeeds instructions I am to send my resume via this email XXXX. I attached my resume which included my name, email, phone, city and zip code. I later received a reply email from another person. The email came from from ( Hr Manager ) XXXX stating Dear Applicant, We received your application for our open job position, and we feel your background would be a good match with our company. We are in the middle of processing applications and currently have seven other applications along with yours that we are considering, so you can think of yourself on the shortlist to be hired. 

Please note that our company requires all potential employees to have a credit score on file for your interview. We ask for this because you will have access to company credit cards for business expenses. We request that each potential employee complete this as this ensures that our future employee is credible, trustworthy, and can be an asset to the company. 

Please also note that because of the new economy, we take into consideration that there may be some blemishes on a large portion of applicant scores. Rest assured that your credit scores themselves aren't significant, but our company still requires the report. 

Please complete and print your credit score by clicking : XXXXs ( Paid ) Or XXXX  ( Free {$1.00} XXXX ) You will need to bring a copy with you to your interview. This credit score costs you and is entirely secure from the most trusted credit score website online. You have to chose any one from this 2 option. We not accept any other reports.

Please complete this first step ASAP as we only have 48 hours to set up interviews. When you have completed the credit score, reply to this email, and we will set a time for virtual interview. 

I look forward to meeting you. 

Thank you XXXXXXXX XXXX XXXX XXXXXXXX The job is now nowhere to be found on indeed to report this to them or even not showing up in my applied jobs section is strange. After some further research online there are similarities to other email examples that indicate this is a scam.
Product: Debt collection

I have previously let the company and credit reporting agencies know that this account was the result of identity theft. I submitted supporting documentation to them both. I also blocked payments from my accounts of unauthorized charges. I still keep getting the same response they havent even tried to discuss this with me. The jus keep sending collections letters to my house and put this account on my credit damaging it.
Product: Credit reporting or other personal consumer reports

There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is inaccurately reporting public records on my file and they stated there method of verification is through court records..
Product: Student loan

I 'm a co-borrower to 4 student loans for my daughter. The interest on the loans keep going up, therefore, my payments continue going up. I pay over {$800.00} each month. The balance is over {$100000.00} and it does n't appear to get any smaller. I have called them in different occasions and they state there is nothing they can do, and that the interest will keep going up. Currently the two largest loans are at over 7 % interest rate. A smaller one is at over 4 %, and I paid in full the fourth loan I had over 9 % interest rate. They told me to put my loans on automatic payments and that it would keep the interest rate low. I did that but the interest rate keeps climbing. I have been paying these loans for about 8 years and the balance is pretty much still the same. Please help
Product: Credit reporting

I apllied for a XXXX Credit Card and Equifax, minused my Equifax score by XXXX points. My score went from XXXX to XXXX in 24 hours. This is not fair. I was only applying for a credit card to have revoling credit on my credit report in order to purchase a home thru FHA. They have ruined my chances of purchasing a home by minusing my score by XXXX points in XXXX hours. I called and wrote Equifax on many occasions due to they will not take old credit history from 15 years ago off of my credit. I called and they told me every time I do a credit dispute it stays on for 10 more years. I am sick of Equifax. They have ruined my credit for long enough. I need all of those old accounts off of my credit. And my points put back on my credit score. They should not be taking XXXX points for an inquiry on your credit for a credit card
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Please help! I feel like my consumer rights have been violated and I have incurred damages as a result. This is my last effort to get help before seeking the advice of an attorney and suing in court. 

I am a XXXX and attempting to purchase a home. I had a student loan charge off several years ago ; that I am working on settling. The mortgage company and several of my creditors have denied me loans/credit because they are stating that according to XXXX ( XXXX and XXXX have it correct ) they are reporting that the charged off account has a monthly payment of {$41000.00} per month x 235 months and thus puts my monthly debt to income ration off. However, the entire balance was {$41000.00} and the monthly payment was {$220.00}. 

I disputed this with XXXX now 4 times and have spent hours on the phone with no resolution. XXXX tells me that they are not reporting {$41000.00} per month. However, when they sent me the investigation results it clearly shows the terms they are reporting. Please see attached. 

I contacted Wells Fargo the owner of the account and was advised that they are not reporting a monthly payment of {$41000.00}. I don't know what else to do! I am unable to purchase a home or get lines of credit due to this error. 

Please see the attached document from XXXX and advise me on my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I am a XXXX University XXXX XXXX XXXX ( XXXX ) alumni and was there from XXXX-XXXX. I am having what I think amounts to a financial crisis and could use your assistance. 

I received all federal loans for my XXXX education, as recommended by XXXX, never with any private loans. 

In XXXX-XXXX, I received federal student loans through the FFEL program. In XXXX and XXXX I received " direct '' federal students loans. 

My plan since graduation from XXXX in XXXX has been public service loan forgiveness. Everything has been by the book. I have been in income based repayment since then, working at qualified employers ( I have submitted several certification of employment forms to the PSLF folks and have been on track ), and never missed a payment. Thus I was expecting my current ~ {$280000.00} in XXXX   school debt to be forgiven in approximately XXXX. 

I was on the phone with PSLF folks earlier today, just checking in that all was on track, and was told that the FFEL loans from XXXX and XXXX did not qualify for PSLF. This is ~ {$140000.00}. I was told that I could consolidate the FFEL loans to direct loans, but that I would then have to make 120 monthly payments all over. This would mean the last 7 years of IBR payments ( with interest accruing ) were a complete waist and I would have to start over. Thus {$140000.00} in loans I thought were going away in XXXX would be growing and not eligible for PSLF until XXXX at the earliest. This is a huge deal financially. 

I feel I have been completely XXXX financially. At no point was I made aware that FFEL loans were ineligible, not from XXXX, Navient ( my current loan servicer for the FFEL loans ) ; not until I called 7 years later and checked. If I had known to consolidate to direct loans in XXXX I would have done so, but now I have been making payments on the FFEL loans that are ineligible for PSLF. 7 years lost, which is probably multiple {$10000.00} 's.
Product: Checking or savings account

Long term customer of Chase Bank, private client services, have multiple businesses accounts with Chase as well. Out of the blue my personal checking and savings account, even my wifes checking that Im on too all closed ( restricted ) with no explanation why. My business accounts remain intact ( for now ).
Product: Credit card or prepaid card

Previously filed dispute with chase credit card while I was incarcerated. Requested application with signature that opened this credit card account. Chase sent back an document that was not an application with my authentic signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to DISPUTE a false item on my credit report and the company has completely ignored multiple attempts. I fought with the Transunion web site on XX/XX/XXXX, the same date that I easily ordered my credit reports and disputed something that did not belong on my credit reports from the other two companies. The Transunion web site was a nightmare to use and took two hours to finally navigate to send in the dispute. When the other two companies cleared the item off my reports within 30 days as required by law, Transunion would not even acknowledge that I had disputed something. Their web site is utterly broken. When I contacted them online, they told me I could buy a copy of the credit report that I already had. Their web site constantly points to their dispute web site, which then just says it 's offline since XXXX. When I called to file a dispute, their phone system hung up on me before I could even connect to a person. When I reported this previously through CFPB, I got the same useless response from them about ordering a credit report. I already have my credit report. I want to not be held XXXX by this company refusing to allow me to file a DISPUTE for something that does not belong on my credit report for the past four months so that I can actually use my credit report to get credit for something. My next step will be to sue them for so much that I wo n't need credit anymore.
Product: Credit reporting or other personal consumer reports

I am disputing the inaccurate credit reporting by Mobiloans LLC on my account # XXXX. On XX/XX/2024, I sent Mobiloans  a detailed letter identifying multiple violations of the Fair Credit Reporting Act ( FCRA ) in how they have reported this account, including : Including ambiguous " Payment after charge-off '' remarks that do not clearly explain my payment obligations, violating FCRA 623 ( a ) ( 5 ) ( C ).

Charging off the account prematurely after only 6 months, despite no delinquencies on my credit report, raising questions about the validity of the default status under FCRA 623 ( a ) ( 5 ) ( A ).

Reporting a balance of {$1800.00} that exceeds my {$1500.00} credit limit, without any explanation if I had agreed to over-limit balances, in violation of FCRA 623 ( a ) ( 1 ) ( A ) accuracy requirements. 
I requested that Mobiloans remove this account from my credit report within 30 days, as the information can not be verified as accurate. Their response on XX/XX/2024 failed to address my specified disputes, simply stating that I provided " inadequate information '' and that my claims were " baseless. '' They refused to remove the account. 

In follow-up correspondence, I provided detailed citations to the specific FCRA provisions being violated. Mobiloans again dismissed my disputes as " frivolous '' without conducting the thorough investigation required by FCRA 623 ( a ) ( 8 ) ( E ) ( i ). 

Mobiloans ' continued refusal to correct blatantly inaccurate credit reporting, and their failure to properly investigate legitimate disputes, represents clear, willful noncompliance with the FCRA. Therefore, I am forced to escalate this matter by filing complaints with the CFPB, FTC, XXXX, and state attorney generals. Mobiloans must be held accountable for these FCRA violations that are damaging my credit profile. I demand that this account be promptly deleted in its entirety.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX  # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.