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

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately : USBK Court XXXX Illinois Docket # XXXX USBK XXXX XXXX Illinois Docket # XXXX
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 :XX/XX/XXXX Credit Limit {$29000.00}, showing 87 % credit usage, opened XX/XX/year>. This Account should reflect on my Business Credit Report not my Personal Credit Report. 15U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish an 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

I have unauthorized Accounts and inquiries showing on my credit report. According to the Fair Credit Report Act ( FCRA ), I expect these inquiries to be removed within 4 business days. 

Account : XXXX XXXX Inquiries : XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

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

a. Account Name : XXXX XXXX XXXX Account # XXXX b. Account Name : XXXX XXXX  Account # XXXX c. Account Name : XXXX XXXX - XXXX Account # XXXX This above referenced accounts are in violation of Fair Credit Reporting Act supported by the following : 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. Code 1681s2 ( a ) ( 1 ) ( B ) ( ii ) A person shall not furnish information relating to a consumer to any consumer reporting agency if the information is, in fact, inaccurate.
Product: Other financial service

I hired the company The Student Loan Help Center back at XX/XX/XXXX and started paying them for services to get my defaulted student loans in the forgiveness plan to get my XXXX loans out of default for a fee of {$1500.00}, stop the wage garnishments after 5 months, and consolidate my loans after all is said and done to restart a income based repayment in 10 months time. Since that time, I have paid about {$1100.00}, only talked to my case manager XXXX 3-4 times total, and never actually provided me with a service yet. Half of my interactions with her she came off as rude, like I was wasting get time by asking get about my account and told me in XX/XX/XXXX to not even call back until she called me about the process of my forgiveness because the process took a long time. She only attempted to get a hold of one if my loan companies that controlled XXXX of my loans and never contacted the other company that had the remaining XXXX loans. I finally heard from the help center for the first time since XX/XX/XXXX on XX/XX/XXXX about a payment, but since I had them on the phone, I got transferred to my case manager to get an update and she said they were having problems contacting the XXXX loan company. I started to doubt them, so I called that one loan company and got someone on the phone within minutes. They said the help center got in contact with them in XX/XX/XXXX, sent the power of attorney paper to them in XX/XX/XXXX, and that loan company had been attempting to reach my case manager since then, but they could never get in contact with anyone from the help center and gave up on XX/XX/XXXX. I tried to contact them on XX/XX/XXXX to confront them about why I they had still not started the 10 month loan forgiveness process, why they lied to me that the one loan company was not responding to them, and to try to cancel my service with them since they had not provided me with the services they claimed they would and I was told by my case manager that they will not let me cancel or provide me with any refund at all. She then got very motivated to try to help resolve my account right then, but I told her I just would like to cancel and try to go through my loan companies directly because I needed relief now and I could n't wait for them to actually provide me with the services I have been paying them for since XX/XX/XXXX. She tried to claim that I was refusing her assistance at that point and stated I was breaking their contact that I signed and if I do n't proceed with them that the rest of my service fee of about {$400.00} would eventually be sent to collections. This company makes you feel trapped and that their services are the only solution for your problems, but the actually do n't want you to know they are charging you way too much for a service that is actually free and not as hard as they make it appear to be.
Product: Debt collection

I have been receiving continuous calls from Ashmer Collection Services ( or similar debt collection company ), even after I explicitly requested they stop contacting me. On [ insert date ( s ) of communication ], I informed them that I did not want to receive any further calls. In addition, I requested that they provide me with a detailed breakdown of the debt, including all charges and a document bearing my signature, which they failed to provide. Instead of complying with my request, they continued to contact me. 

Despite this, they did not send me the requested documentation and continued to harass me with phone calls. I have made several attempts to resolve this issue, including asking for written confirmation of the debt and proper documentation. However, their actions have caused unnecessary stress and are in violation of my rights.
Product: Debt collection

They called my fathers phone number. He could n't understand the first person so he said okay. They transferred him to someone else. The person got on the phone and clearly without verifying any information of who they were speaking with blurred out my name and stated that I owed a debt and that they were gon na take it to court. I myself as a debt collector know this is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres a fraudulent credit inquiry on my credit report that needs to be removed Inquiry : XXXX XXXX
Product: Debt collection

I received an attempt for collections from XXXX  XXXX XXXX, XXXX. Attempting to collect {$340.00} from account number XXXX date stated owed is as of XX/XX/year>. This account number is nowhere to be found on my credit reports and is over XXXX XXXX XXXX past the statute of limitations for collections. I do not know where this is coming from nor do I acknowledge it is mine. I do not want this company to contact me in any way. I am a California resident and I understand my rights.
Product: Vehicle loan or lease

Hi, I am dealing with a credit issue due to a late payment on my vehicle. I was under the assumption that I signed up for Autopay online, but received a letter in the mail that it never went through. I also was a bit annoyed as autopay was not an option. Im hoping to see if this late payment can be removed as it took my credit from about XXXX to XXXX. I am on time with all other credits/mortgage/etc, and was only when using Chrysler Capital that I ran into problems.
Product: Mortgage

I have been paying on this mortgage for over XXXX years and owe more than the original purchase price. I was told that I refinanced XXXX years ago but I do not remember. 
I would like to fully examine the history of my payments so that I may understand why after XXXX years, and steady payments until I lost my job, this mortgage never goes down. 
I have now been offered by SPS to participate in a 3 month trial period to become eligible for assistance. The trial payment is about XXXX % of my monthly income. How is this helpful? With almost nothing left to live on, this only sets me up to lose my home. 
Further, a balloon mortgage has been offered to me as part of this program. I do not want and will not sign the papers. 
It all seems like a scam to me and a set up for me to lose my home. I will have to move out and rent it to keep it. SPS has not been helpful and has only offered because I complained. I would really like to be helped, and have my mortgage reflect the years I have paid. It 's as if I 've been a renter all these years. 
The way people are treated by mortgagers when they lose jobs or have their income reduces is criminal.
Product: Debt collection

XX/XX/XXXX {$7400.00} fraud remove i been asking to get this remove for a XXXX XX/XX/XXXX {$2600.00} fraud remove i been asking to get this remove over a yr XX/XX/XXXX {$6300.00} fraud remove i been asking to get this remove over a yr XX/XX/XXXX Paid, Closed. {$1.00}, XXXX written off fraud Paid, Closed remove XX/XX/XXXX remove fraud XX/XX/XXXX removed fraud XX/XX/XXXX {$7.00} XX/XX/XXXX {$10.00} XX/XX/XXXX {$8.00}
Product: Mortgage

have not received the mortgage statement to pay my mortgage, my payment is due on the first and my late fee is on the XXXX of the month. My wife has tried calling them but no answer so we can pay my mortgage. I need them to send me the statement so i can pay and i do not want late fees. 

Rushmore is a XXXX servicer that has repeatedly refused requests to send me what is required by law, A monthly statement. 

They claim to have mailed it on XXXX. XXXX here we are a month later and USmail does not take a month to deliver
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has the same entry listed twice for a debt in 2015 with XXXX XXXX XXXX XXXX, I have tried several times to get the duplicate removed, and also for them to supply the correct dates on this account. For some reason the date is never correct and the account is showing up twice on my report. 

XXXX  account has also been changed to the current date. I have been trying to get these companies to supply the correct information since XXXX of last year and who ever is supplying the information continues to change it to fraudulent status 's and doubling the entries. This is harassment. 

As you can see from the attached letter the company XXXX XXXX XXXX XXXX never supplied this information to either company. 

Either remove the entries or get the dates correct this is harassment.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to urgently request your assistance in addressing a critical issue regarding inaccurate information on my credit report provided by XXXX, a violation of the Fair Credit Reporting Act ( FCRA ), specifically sections 1681e and 1681i of Title 15 of the United States Code ( 15 U.S.C. 1681e, 1681i ). 

XXXX has furnished incorrect and misleading information regarding XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO, XXXX, on my consumer credit report. This erroneous information is damaging to my creditworthiness and financial reputation, thus contravening my rights under the FCRA. 

As per the provisions outlined in the FCRA, credit reporting agencies are mandated to promptly remove inaccurate information from consumer credit reports upon notification of such inaccuracies. Therefore, I respectfully request that you intervene and instruct XXXX to remove the inaccurate information pertaining to Medical Collections from my credit report immediately, in accordance with the guidelines set forth in sections 1681e and 1681i of Title 15 of the United States Code. 

Your prompt attention to this matter is greatly appreciated. 

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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$940.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00} XXXXXXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1400.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$710.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX  Balance : {$800.00} XXXX XXXX Balance : {$0.00} 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 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX : {$19000.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$5500.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$240000.00}
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Inquiry date XX/XX/2022, XXXX Inquiry date XX/XX/2022, XXXX XXXX Inquiry date XX/XX/2022 & XXXX Inquiry date XX/XX/2022.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several fraudulent accounts reported under my credit profile. I am submitting this request in accordance with the Fair Credit Reporting Act ( FCRA ) and would like these accounts removed promptly. As a survivor of human trafficking, my identity and personal information were compromised, leading to the unauthorized opening and reporting of the following accounts XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX Account XXXX : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX US DEPT ED - Account Number : XXXX These accounts were opened or reported without my knowledge or consent, violating my rights under the FCRA . Specifically : 15 U.S.C. 1681 Section 602 ( a ) This ensures my right to privacy and accurate reporting.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) Consumer reporting agencies can not furnish accounts without my explicit consent.

To support my dispute, I have attached the following documents : A personal statement detailing my trafficking situation. Additional records, where applicable, to verify my identity and substantiate my claim. I request your immediate review and removal of these accounts from my credit profile. Please confirm receipt of this dispute and inform me of any additional steps or documentation required. Thank you for your prompt attention to this matt
er.
Product: Credit card or prepaid card

On Saturday XX/XX/XXXX I made a purchase at the XXXX in XXXX, SC. On Monday XX/XX/XXXX I checked our credit card statement online and discovered there were multiple unauthorized charges from XXXX online. We believe that someone either skimmed our information or someone at XXXX XXXX took the information from our purchase. We contacted our credit card provider and informed them of the fraud. They took all the information and suggested we file police reports. We filed police reports in XXXX, SC which is where we live. We also filed reports in XXXX, SC and XXXX XXXX, SC whoever Id where the merchandise was picked up at The XXXX in those XXXX towns. At first Bank of America removed the charges from our statement however after about 6 weeks they put them back on our statement. They also sent a letter stating our claim of fraud had been denied and we were responsible for the amounts. There are open police investigations in XXXX and XXXX XXXX. The email address used in the fraud with XXXX is not my address. I do not order merchandise online and pick at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th Complaint that I was the victim of identity theft. I called XXXX and Experian after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were Names : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX. Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying Identity IQ to get a report every month and I have been disputing fraud accounts on my credit report all this time. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Company Has Inaccurate Reporting Of Payment History. I've Tried Numerous Times To Dispute This False Information But They've Never Removed It. With XXXX And Experian It Is Not Showing My Last Payment With The Bank " XXXX ''. My Last Payment Was In XXXX Of The Year XXXX. Please Either Alter And Correct This False Information On XXXX And Experian, Or Delete The Account From Reporting On My Credit Report. 


False Information ( s ) Is Being Reported On My Credit File, Please Either Alter The Information And Make It Up To Date, Or Permanently Remove This Item From Further Reporting Incorrect Information ( s ) From My Credit Report. It Will Be Greatly Appreciated.
Product: Credit reporting or other personal consumer reports

FRAUD ACCOUNT BEING LISTED ON MY CONSUMER REPORT ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, FL XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account.
Product: Credit reporting or other personal consumer reports

Recently checking my credit report I noticed that I've been a victim of identity theft and found numerous credit inquiries I have no knowledge of here are the inquiries that I've found. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove these fraudulent inquiries from my credit report. I also attached my identity theft report as well.