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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to CORRECT THE ACCOUNT AND DELETE ALL INQUIRIES ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XACTUS Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXE XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, a former housemate used my personal information to open up a Big Lots and Express credit card. The bank used is : Comenity Bank, XXXX XXXX XXXX, XXXX, OH. 

The former housemate charged {$990.00} to the express card and had items shipped to my former address at XXXX XXXX XXXX, XXXX XXXX, VA XXXX. I last resided at that address in XXXX of XXXX. Since XXXX, I have resided at XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, VA XXXX. 

On XX/XX/XXXX I looked at my credit report and noticed my credit score had dropped XXXX XXXX so I looked at my recent activity.

It's highly likely one of my former housemates used mail to find my social security number and birthday in order to fraudulently open the account. I have filed a police report and reported the fraud to Comenity Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an XXXX account that is reporting medical debt in XX/XX/2018 with Experian and XXXX. Experian and XXXX responded that the debt is verified as mine. The debt collector has not sent me notice that it was going to report to credit reporting agencies. The amount in question is {$1000.00} from a hospital. At the time that they are reporting debt I had insurance coverage through Medicaid for % 100 of hospital services. I had given the hospital my insurance information any time I had visited either the hospital or the physician that belongs to the same medial group. The only time I have had issue with billing is with the hospital. The hospital has not sent me an itemized bill or the reason insurance may not have paid for services on this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase Bank fraud department contacted me claiming UNUSUAL and Unauthorized activity on two Chase Bank credit cards.these cards have been BLOCKED and online activity has also been BLOCKED as a result of JPMChases claims. But These cards are being reported by Chase to my credit report. Chase also believes this account was not opened by me. Therefore, Chase by their own admittance are reporting inaccurate information to the credit bureaus. I am demanding the following accounts be deleted from my credit report. I am providing statements made by Chase representatives and their fraud department to confirm my dispute. 
1. Chase Freedom Credit Card ending in XXXX 2. Chase Amazon ending in XXXX
Product: Money transfer, virtual currency, or money service

A PERSON CALLED ME AND TOLD ME THAT MY NAME IS IN THE RESIDENCE PROCESS BECAUSE I HAVE MY XXXX  IN COURT, AT THE SAME TIME I ASKED A XXXX XXXX TRANSLATOR AND THEY SENT ME AN EMAIL TO CONFIRM IF IT WAS ME, I CONFIRMED, AND THEN THEY SENT ME A FORM TO FILL OUT XXXX XXXXXXXX FOR XXXX XXXX, THEY MADE ME TRANSFER XXXX DOLLARS TO THEM AND THEN, THEY TOLD ME IT WASN'T XXXX XXXX, IT WAS A XXXX  MAN USING THE XXXX XXXX, I CALLED THE BANK TO TRY TO MAKE A REPORT BUT THEY DIDN'T HELP ME, THEY HAVE THE PERSON 'S NAME THEY HAVE ALL THE INFORMATION ABOUT HIM, BUT NO BODY CAN DO NOTHING. 
If an email was used in this incident, please.. 
XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX other number using for financial department XXXX. Email used for XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to perform and report inaccurate and unverified data on my credit report. Having looked at Public Records, against Experian, This company continues to Report unverified data from automated systems by the agency. I requested Experian to investigate items on my credit report that I believe is mixed data with my son. Ive sent certified letters requesting names and phone numbers of individuals from the Agency who verified my account without success. CFPB please assist me with the information I requested from Experian I have copies of the certified letters I sent them upon request.
Product: Mortgage

My mortgage was originally held by XXXX XXXX and was transferred to Lakeview Loan Servicing , LLC a couple of years ago. 

On XXXX XX/XX/2018 I contacted them via their website requesting the payoff for the mortgage ( Ticket # XXXX ). In the e-mail I received acknowledging this it stated it would take 3 days. 

On XXXX XXXX I contacted them as while I had not heard anything from them regarding the payoff, I did receive a notice stating they intended to increase the amount of my escrow payments. This did not make any sense to me as the amount in the escrow at that time was larger then the remaining principal. I suggested they use it to payoff the loan and send me the balance. I received a acknowledgement of my e-mail stating it would take 3 days to process. 

On XXXX XXXX I contacted them yet again requesting the payoff, referencing the previous request and was provided the same response. The ticket number of this request is XXXX. 

Due to their lack of response I have paid sufficient funds to have paid the loan in full which was delivered to them on XXXX XXXX and cashed on XXXX XXXX. I have yet to hear anything back from them.
Product: Student loan

I have been operating under the assumption that I have been satisfying the requirements for the federal public service student loan forgiveness program. Several years ago I reached out to Navient to understand the eligibility of my loans to the program. They said I was eligble but had to wait until I made 10 full years of payments. Upon completion of my 10 years of service I submitted the paperwork only to find out that the way my loan was structured it rendered my loan ineligible for loan forgiveness. I understand now that Navient may have been intentionally misinforming or under informing customers about actions they needed to be taking in order to qualify for this. So rather than having the full balance of my loan forgiven I still have over $ XXXX in loans that need to be repaid. I feel Navient has been operating in their own best interest and not those of their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Paying this company on time and they are still reporting me as 30 days late
Product: Credit reporting, credit repair services, or other personal consumer reports

Received the background screening report from Advantage Credit Bureau. They reported negative information older than seven years which should not have been according to the summary of my rights under the fair credit reporting act. The report was dated XX/XX/2018 and initiated by XXXX XXXX. This resulted in an adverse action taken by the company I was in the process of being hired for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 3. XXXX XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 5. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 6. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX  XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX  XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 13. XXXX  XXXX on XX/XX/XXXX XXXX Reported Identity Theft ). I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law. I would like to put in record the following : 1. My LEGAL name is : ( XXXX XXXX ). 
Please remove all other name variations immediately as they are not legally accurate. Names such as, Also Known as ( AKAs ) Names, Alias Names, or My Middle Name are erroneous and not suitable for legally binding contracts or credit accounts ). 

2. My Current Address is XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ) Please remove all Inaccurate addresses immediately as they are unlawful 3. I demand you to DELETE my Social Security number with the last 4 digits : XXXX XXXX XXXX as it unlawful to be shown on my file :. Please remove all other social security numbers immediately as they are unlawful.
Product: Mortgage

In XX/XX/2018, I received a letter from Loancare stating an escrow refund check in the amount of {$720.00} was issued but never cashed. The letter asked that I confirm that the original check was lost or never received to receive a replacement. On XX/XX/2018 I signed and emailed a pdf scan of the letter to Loancare for processing. After several follow ups over the past year, I have not received my replacement check.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. 

Depending solely on your flawed XXXX system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the XXXX  system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX and
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft for the past 4 years. There have been Fraudulent Items being reported to my Credit Report. The following account XXXX XXXX XXXX ( Account XXXX ), Original creditor : XXXX XXXX XXXX XXXX. Date Opened : XX/XX/XXXX. XXXX {$680.00}. XXXX XXXX XXXX XXXX ( Account Number : XXXX ), Original creditor : XXXX XXXXXXXX XXXX XXXX. Date Opened : XXXX XXXX, XXXX. XXXX {$280.00}. XXXX XXXX ( Account Number : XXXX ), ( Date Opened : XX/XX/XXXX ), XXXX XXXX XXXX ( Account Number : XXXX ), ( Date Opened : XX/XX/XXXX ), XXXX XXXX XXXX ( Account Number : XXXX ), ( Date Opened : XX/XX/XXXX ), XXXXXXXX XXXX XXXXXXXX ( Account Number : XXXX ), ( Date Opened : XX/XX/XXXX ), XXXX XXXX XXXX ( Account Number : XXXX ), ( Date Opened : XX/XX/XXXX ) .I have never had an account with any of these companies. Cease the reporting of all fraudulent items immediately. ( See attachments )
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) Complaint Complainant Information : Full Legal Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request to Block Fraudulent Information Due to Identity Theft To Whom It May Concern, I am submitting this complaint to formally request the immediate blocking and removal of fraudulent information on my credit report due to identity theft. Prior to last week, I contacted several representatives who informed me that I was unable to access my credit profile. This directly supports my claim of identity theft, as unauthorized accounts have been opened in my name. 

Despite multiple requests, my personal information has not been updated as required by law. This failure to act has directly violated my rights under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

UNAUTHORIZED INQUIRIES, PLEASE DELETE : XXXX XXXX XXXX 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/year> According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Mortgage

THIS COMPANY DRAINED MY BANK ACCOUNTS. THIS WAS FOR A HOME LOAN PURCHASE THAT NEVER CLOSED. THEY MESSED UP AND ORDERED UNNECESSARY DOCUMENTS AND KEPT CHARGING MY CARD. BASICALLY HAVING ME AUTHORIZE MY DEBIT CARD FOR THEM TO ORDER CERTAIN DOCUMENTS-THEY ORDERED DOCUMENTS THAT WERE IRREVERENT. TTHEY SAID THEY WOULD REFUND ME ONCE THE LOAN CLOSED-WHICH THE LOAN NEVER ENDED UP CLOSING. I HAVE THOUSANDS OF E-MAILS AS PROFF OF THEM SAYING THEY WOULD REFUND ME AT CLOSING, THE REALTOR EVEN ASKING WHY THEY ORDERED THOSE DOCUMENTS. IM SICK OF DISPUTING THIS AND GETTING NOWHERE BECAUSE THEY ARE REFUSING TO GIVE ME MY MONEY. THEY ARE SCAMMERS THEY BASICALLY GET YOUR AUTHORIZATION AND ORDER THROUGH A 3RD PARTY AND SIT BACK WHILE SAYING THAT COMPANY CHARGED YOU NOT US. THIS IS A SCAM. IMMORALLY WRONG.

I WAS CHARGED {$820.00}, {$440.00}, {$450.00} ALL FOR NO REASON. WHY WOULD I GET A LOAN WHEN I HAVE TO PAY OUT OF POCKET? I COULD UNDERSTAND A {$270.00} OUT OF POCKET TO GET HOA QUESTIONNAIRE BUT WHY HAVE THAT COMPANIES EMPLOYEES NOT KNOW WHAT TO ORDER AND DRAIN MY BANK ACCOUNTS THEN NOT EVEN BE ABLE TO CLOSE THE LOAN IN WHICH I END UP PAYING CASH FOR THE HOUSE ANYWAY. ANYONE AND EVERYONE KNOWS IF PAYING CASH ON A HOME YOU GET A BETTER DEAL. THEY PUT ME  IN OVER XXXX DEBT AND STILL REFUSE TO REFUND ME WHATS OWED TO ME SO AT THE VERY LEAST I CAN PURCHASE FURNITURE? THIS IS CRAZY. I HAVE TRIED CONTACTED THEM DIRECTLY- NO LUCK- I TRIED DISPUTING IT WITH MY BANK ( XXXX XXXX XXXX- ONLY FOR  THEM TO WAIT UNTIL THE LAST DAY TO RESPOND TO JUST PROLONG MY DISPUTE AND REJECT IT ) I RE-DISPUTED IT, I CONTACTED XXXX  AND WAS TOLD IM MAKING A COMPLIANT WITH THE WRONG COMPANY ( BASICALLY WITH THE COMPANY THAT THEY HAVE TIES TO TO GET DOCUMENTS ) THE COMPANYS INFO IS : All  Western Mortgage | Branch NMLS # XXXX | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX https : //allwestern.com NMLS ID XXXX THIS IS NOT RIGHT! NO CONSUMER SHOULD HAVE TO SUFFER ESPECIALLY DURNING THIS TIME.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing this letter to file a formal complaint against the three major credit reporting bureaus, XXXX, Equifax, and XXXX, XXXX their failure to comply with my requests for the deletion of negative unverified items on my credit report. I have experienced significant difficulties as a result of the inaccurate reporting by these bureaus, which has affected my access to personal and business credit, employment opportunities, home buying, and rental applications. This conduct is in violation of the Fair Credit Reporting Act, 15 U.S.C. 1681g, and I am seeking resolution for the removal of ALL negative items from my credit report.

I have made multiple attempts to rectify the issue by formally requesting verification of the negative accounts from XXXX, Equifax, and XXXX through written correspondences sent on XX/XX/2023, and XX/XX/2023. Regrettably, I did not receive the verification I requested, nor did any of the credit reporting bureaus delete the negative items as per my request. Instead, I have noticed negative unverified updates to my credit report, compounding the impact on my financial wellbeing. 

As a consumer, I am aware of my rights under the Fair Credit Reporting Act, and I am entitled to receive disclosure of all documents used in the verification process of the negative accounts. However, despite clearly stating my rights and demanding access to the verification information, all three credit reporting bureaus have refused to comply with my requests for disclosure. 

The repercussions of this failure to comply have been severe, affecting both my quality of life and my mental and physical health. I have been denied access to essential financial resources, employment opportunities, and housing options due to inaccurate reporting on my credit profile. 

Therefore, I kindly request that the Consumer Financial Protection Bureau promptly investigate my complaint and take appropriate action to ensure that XXXX, Equifax, and XXXX delete all negative unverified accounts from my credit report. I expect a resolution that aligns with my rights as a consumer and in accordance with the Fair Credit Reporting Act. 

I have attached copies of the correspondences I sent to each credit reporting bureau for your reference. Additionally, please find enclosed any supporting documentation that may aid in your investigation.

I sincerely appreciate your attention to this matter and your efforts to protect consumers ' rights. I eagerly await your response and hope for a prompt resolution to this issue. 

Thank you for your time and consideration. 

Sincerely,
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX Loan Servicing Team, I am writing to request an immediate update and correction to my student loan account. I have received IRS Forms XXXX which confirm the discharge of my student loan obligations totaling {$14000.00} across four loans. However, my XXXX account remains inaccurately reported, as the loans are still reflected on my consumer credit reports, and I am continuing to receive incorrect billing statements. 
Account Information Borrower Name : XXXX XXXX Total Loan Amount : {$14000.00} ( XXXX Loans ) Discharge Evidence : Copy B of XXXX attached Request for Action XXXX. Account Update : Please update my XXXX account to reflect the loan discharge and confirm a {$0.00} balance. 
XXXX XXXX XXXX XXXX XXXX Notify all credit reporting agencies ( Experian, XXXX XXXX XXXX XXXX to remove any negative or active entries associated with these XXXX loans. 
XXXX. Cease Billing Statements : Discontinue all billing statements or communications related to these discharged loans. 
Supporting Documentation Enclosed with this letter, you will find copies of the following : IRS Form XXXX ( Cancellation of Debt ) These documents clearly establish that my loans have been discharged in compliance with applicable federal and contractual guidelines.

Follow-Up and Contact Please confirm receipt of this request and provide a timeline for resolution. You may contact me directly. 
If this matter is not resolved promptly, I will escalate my concerns to the Consumer Financial Protection Bureau ( CFPB ) and any other appropriate regulatory bodies to ensure compliance with federal laws regarding loan discharges and credit reporting. 
Thank you for your prompt attention to this matter. I look forward to your confirmation of the necessary updates and corrections. 
Sincerely, Without Recourse XXXX XXXX Enclosures : Copy of XXXX
Product: Credit card or prepaid card

Yes i got a sony card. Yes it was only XXXX. Then guess miss some payments. And return payments from family members.Then rack it it to owning them XXXX. They didnt reduce this or let me set up payments. To fix this issue and card open. Yet they were rude and not helpful. I loved that card and now it is gone due to them.