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

For the last XXXX time to Experian I sent 2 letter to remove all inaccurate names and addresses or job from my credit report Even I sent those 2 letter to Experian they didnt remove the inaccurate name or addresses from my credit report I told Experian I only want my current name on my credit report I told Experian several times to remove all inaccurate names and addresses from my credit report or inaccurate job history I want only one name XXXX XXXX XXXX address My current address XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX And also I dont work on XXXX XXXX But Experian ignored my legal dispute 2 times and violated the law I will have this last complain as prove for the judge Now that I see that Experian is doing negligence and not even investigating All the proves I sent to Experian such a ID and proof of address and oven like that Experian denied my right for fair credit report and affected my life negatively for their negligence on my credit report This is an extreme abuse by Experian and also unlawful Experian thinks is over the United States law Or over the fair credit act I did 2 legal disputes to Experian and they didnt even sent me credit report Or inform me about the disputes This a ruthless organization That dont comply with the law
Product: Credit reporting, credit repair services, or other personal consumer reports

Investigation Request Letter To Whom It XXXX Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by the law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 

Are you familiar with something called 15 U.S.C Sec.1681i ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you pease check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

I DEMAND THE FOLLOWING ACCOUNTS TO BE VERIFIED OR REMOVED IMMEDIATELY. 

Name of account Account number XXXX XXXX XXXX XXXX Name of account Account number XXXX XXXX XXXX XXXX Name of Account Account number XXXX XXXX XXXXXXXX XXXX Cancel contracts. Please provide the original contract or delete. 

I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 



In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights 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
Product: Credit reporting

EXPERIAN has failed to provide me with a copy of any original documentation for example, a consumer contract a with my wet-ink signature on as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. 

Please be advised that EXPERIAN HAS NOT under Section 611 ( 5 ) ( A ) of the FCRA - EXPERIAN are required to " ... promptly DELETE all information which can not be verified. '' Under The FCRA in Section 609 ( c ) ( 2 ) ( E ) it states : " A consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or can not be verified. '' Copies of copies are not a form of Validation, and by Law are not considered proof. Under the Fair Credit Reporting Act, unverified, invalid accounts must be removed. EXPERIAN is unable to provide me with a copy of the verifiable/validated proof that you have on file, within 30 calendar days from receipt of this notice, by law you have to immediately remove the aforementioned item in dispute from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 XX/XX/2019XX/XX/2019 I have these hard inquiries when I called and said they were not taking it off I did t apply for these at all
Product: Credit reporting or other personal consumer reports

In my case, on XXXX XXXX XXXX was partially deposited until XX/XX/XXXX in my Account. 

On XX/XX/XXXX I gave my peer XXXX XXXX from school my card and pin. XXXX recently lost his grandma during XXXX. XXXX is an alcoholic that was abused growing up by dad. XXXX been through some rough times. We all have trauma stories. I just didnt see this in XXXX XXXX he was always sweet and ready to help me with my homework. I gave him my card so that he can go get him a car I know he was going to school and working on himself. I gave up my card and pin because I was working and I have a XXXX. I want to see us all make it and most definitely XXXX. Never in a XXXX years would I have thought he would do this. I only known XXXX for roughly a year. I know he was homeless kind of staying place to place and I was just trying to show support. I gave XXXX my card and pin so that he can deposit his money in my account. I didnt think to question him only because I was extremely busy and I didnt sense anything like this. I owed money on rent and was forced to be homeless during this time ; I definitely didnt have no {$10000.00}. I got move out orders and pass bills. 

Because of this identity theft Navy federal has restricted my account and XXXX XXXX. I need my accounts active this identity theft is causing me mental breakdowns and stress. My children are affected by this identity theft as well we all seeing psychiatrist and therapists. My daughter whom is already experiencing health conditions is really depressed because I cant do certain things for her without my accounts. We are experiencing a lot of pain and suffering. We are law abiding citizens and we have a good XXXX to due diligence in this world. Although we should not have to suffer. We should not have to pay this back. All of my personal information was leaked in a data breach as well. Can you please help me with my case. I am now mindful of my actions far as helping others. 

My vehicle was stolen with all my personal information and including my childrens information in XXXX ssn birth certificates id medical jewelry maybe XXXX worth of XXXX. 
My vehicle was broken into XXXX personal information stolen identity medical cards ssn card My id theft report reference # XXXX My incident report # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has not responded to taking these accounts off of my credit or they have not unrestricted my XXXX XXXX Or my XXXX  account. 

I have more police reports as well. 


XXXX XXXX XXXXXXXX Is another account I have a problem with. This guy from XXXX deposited XXXX into my account but was actually stolen from another account I believe. I reported this incident with XXXX XXXX XXXXXXXX customer service fraud team.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Md XXXX XXXX I would like to have these inquiries removed immediate, due to not receiving any assistance through these companies listed. There are some issues that are being addressed currently with incorrect/ inaccurate reporting from XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  All of the above accounts have been charged off, but the reporting agencies are still showing on my credit reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXCrossCountry Mortgage *XXXX I am requesting to have these inquiries removed immediately since they have no affiliation with me and they are found to be misleading, according to15 U.S. Code 1681 ( A ) Apersonshall not furnish information relating to aconsumerto anyconsumer reporting agencyif ( i ) thepersonhas been notified by theconsumer, at the address specified by thepersonfor such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

This information can be mailed to : XXXX XXXX XXXX XXXX XXXX XXXX, Md XXXX Requesting Inquiries To Be Removed From Credit Report Requested on XX/XX/year> Thank You!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd 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 items : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$3800.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I saw a pending charge to this account on my account in the amount of {$650.00} Which is inaccurate because I never authorized it and no one seems to know what it is. I was at XXXX XXXX on XX/XX/2022. The office stated they could not see it in their system. 
They proceeded to print out all of my bills from their office which did not include this charge showed on my account in the app. 
I have spoken with several of your customer service employees and still have not received an affidavit they said would arrive. I spoke with XXXX on Friday, XX/XX/2022 and she said to email the signed affidavit to XXXX. I spoke with XXXX on Monday XX/XX/2022 and was told in 2 business days to receive it. My informed mail delivery service shows an advertisement postcard from XXXX XXXX is arriving today so I spoke with XXXX this morning on your chat she said it will be emailed within 2 business days. So I emailed a screen shot of the fraudulent charge to XXXX. Ive received no response. I mailed a certified dispute letter including conversations with 3 different customer service employees, with a return receipt today to their address in XXXX and the card has been locked to stop any more fraudulent charges. I just want the error fixed. Maybe it was a typo but I didnt order any services or products for that dollar amount.
Product: Credit reporting or other personal consumer reports

On XX/XX/scrub>XXXX XXXX XXXX I contacted XXXX to request the reopening of a credit card account that had been closed due to inactivity. During this call, the XXXX representative explicitly assured me multiple times that reopening the account would not result in a hard inquiry on my credit report. Based on this assurance, I proceeded with the request. 

However, despite the representatives guarantee, XXXX did place a hard inquiry on my credit report on XX/XX/year>. This action was taken without my informed consent and was contrary to the information I was provided by XXXX. 

Upon noticing the unauthorized hard inquiry, I immediately contacted XXXX to request its removal. A different representative informed me that the initial representative I spoke with had made a mistake and that a hard inquiry should not have occurred. The representative also stated that XXXX could remove the inquiry and referred me to XXXX XXXX XXXX team for further action. 

Since then, I have engaged in multiple written correspondences with XXXX XXXX XXXX team. Despite my repeated requests, XXXX has refused to remove the hard inquiry, providing inconsistent responses : 1. First response ( XX/XX/year> ) : XXXX stated they could not locate the inquiry and asked for further documentation. 
2. Second response ( XX/XX/year> ) : XXXX again claimed they could not locate my account and asked for additional information. 
3. Final response ( XX/XX/year> ) : XXXX stated they were unable to remove the inquiry because it was made to review my request to reopen my accountcontradicting what I was originally told by their representative.
Product: Mortgage

I am filing a formal complaint against Mr. Cooper regarding their refusal to process my requests for forbearance, hardship assistance, or a HELOC due to my unresponsive co-borrower. Despite my numerous phone calls and emails, Mr. Cooper has refused to acknowledge my financial situation and has instead moved forward with foreclosure proceedings against me.

I have made every effort to communicate and seek assistance, yet they have disregarded my hardship and denied me access to available relief options simply because the co-borrower will not respond. This unfair treatment is placing me in financial jeopardy and violating my right to seek mortgage assistance.

I request an immediate review of this situation and intervention to prevent further unjust actions. Please advise on the next steps to resolve this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. Iresearched how to remove the fraudulent items in my report and found that I need to visitFEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section605b Credit Reporting Agencies are required to remove/block any items listed on an idtheft report. Please find the ATTACHED documents to assist in blocking the erroneousinformation which is being posted to my report. Here is the list of items that do not belongto me or were opened without my permissionXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

21 incorrect addresses that do not belong to me only address that is mine is the one showing on my ID and enter phone numbers and incorrect spellings of my name
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

Experian, XXXX, and XXXX are reporting these inaccurate accounts on my profile.
Product: Mortgage

I need to complain about SHELLPOINT MORTGAGE SERVICING. XXXX XX/XX/XXXXsold my loan to SHELLPOINT MORTGAGE IN XX/XX/2021. SHELLPOINT over charged me on the prepayment penalty and ignore my emails and phone calls. The only customer service phone line they provided was useless and refuse to do any further to resolve the problem. And push the responsibility to another by telling customers that the only way to resolve all loan problems is thru emailing XXXX but they never email me back with the upfront answer instead they try to navigate me to something else which is not what I am concerning. Then after receiving one email from them they even never bother to email me back regarding my real concern and my real questions to them. The principal balance is incorrect, the prepayment penalty is calculated incorrectly, the # s on the payoff is incorrect, they purposely overcharge me and refuse to have any communication with me. They refuse to investigate their problems! This is a scamming mortgage company. It is not a legit business! They have over charged me over {$6000.00}!!! 
My email address is XXXX someone please investigate Shellpoint Mortgage and get back to me asap! 
Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Transunion several occasions. I must admit I have had a terrible experience with XXXX and Transunion through this whole ordeal. XXXX furnished information on my consumer report that wasn't 100 % accurate and Transunion refuses to acknowledge the grave mistake by continuing it to be allowed on my consumer report. None of the details concerning my loan are accurate across all 3 bureaus and I asked Transunion to specifically send me the signed documents they have on file concerning the account. I have reached out to XXXX without no prevail even though I qualified for their deficiency waiver of the lawsuit they had against them. I believe XXXX misrepresented the auto loan given to me by using predatory and fraudulent actions and it shows in the furnished information given to credit reporting agencies. Clearly XXXX is committing several state and Federal laws. By adding miscellaneous fees and XXXX did not clearly and conspicuously specify certain details in the initial contract I believe XXXX took advantage of me at the time of XXXX XXXX XXXX and no credit accounts on my consumer report. Transunion has failed to have proper procedures in place to ensure the accuracy of this account I am making this complaint due to Transunion failing to uphold the rights of consumers and not properly handling the information given to them by me ( the consumer ) but only parroting what companies that aren't even reputable are giving them as accurate information.
Product: Mortgage

We received a letter dated XX/XX/2019 informing us that our mortgage servicing was transferred from Ocwen to PHH Mortgage. The letter informs us of our new method of accessing their website for information and tells us where to make our payments. The website when we try to access says it does not recognize our information. We tried to register as new users and got a message saying our information does not match any of their information and to call an 800 number. Called the number and they said they could not help us and that they would transfer us to another department, stayed on the line for 30 minutes and gave up. Called back and got the same " service '' rep and asked to be connected to a manager. She put me on hold and I waited another 45 minutes and gave up. We have received one delinquent notice, but have never received monthly billings like we did from Ocwen so we don't know the payment dates or the amounts due. 
My wife tried their telephone help line and it didn't work no matter which option she tried. Both my wife and I have worked in the banking or financial fields for over 30 years. We have never seen service like this. Close this mortgage company down and assign their mortgages to a really mortgage company.
Product: Debt collection

Hello MRS associates collection appeared today on my credit report I called them and explained that I do not owe this debt nor have I ever had any business with spectrum. And to remove such collection from my records immediately. 

I'm a new legal resident to the united states and have never heard of either of those names nor have I had any utilities on my name.
Product: Checking or savings account

I received a call from navy federal credit union stating my debit card was compromised. Navy fed transfered thousands of dollars from my savings to satisfy fraudulent transactions. Someone from navy fed also call me and transfered XXXX out of my savings account. While navy fed was supposed to be investigating my claims I withdrew what I has remaining in my account. Weeks later they denied my claim twice which put my account in a negative. This is the balance I am being charged.
Product: Checking or savings account

XXXX XXXX XXXX from XXXX XXXX Bank scammed me into an investment via XXXX and when I found out that it was a scam, I sent all necessary documents to TDBANK  and XXXX with hopes of them working things out to recover my funds but so far nothing has been done about it. I have provided both financial institutions with proof but they havent responded to me positively.
Product: Vehicle loan or lease

I received a bill for an end of lease disposition fee in the amount of {$420.00} from GM Financial leasing. I received it on XX/XX/XXXX, due on XX/XX/XXXX. Not much leeway time there. I called this week to see if I can get a waiver or partial waiver of this fee for the following reasons. 1 - I am still an existing GM customer as I have another leased vehicle, 2 - Due to COVID and the fact that I have XXXX XXXX XXXX my work situation has changed and my income has been reduced. and 3 - The vehicle was returned in mint condition and significantly under mileage. While the individual I spoke to was very cordial there was no consideration given to my request. I then attempted to file a complaint on the company 's website and when I went to submit ( tried 3 times today ) it said you can not submit this complaint and gave me another phone number to call. I am extremely disappointed that my request is not even being considered and that the communication is so poor.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to request the deletion of a specific account from my credit report with Experian Information Solutions Inc. due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Account in Dispute : Account Number : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Creditor Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect information identified in reports from all three credit bureaus. 
Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process.

Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information.

Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report.

Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal.

Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures.

Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data.

Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right. 

Supporting Case Law : In XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. XXXX XXXX XXXX, XXXX further reinforces the obligation to maintain reasonable procedures to ensure accuracy.