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

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 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 ;
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding inaccurate and unauthorized inquiries reported on my Equifax credit report. These inquiries are not associated with any accounts or credit applications initiated by me, and I have no knowledge of their origin. Despite my efforts to dispute these inquiries directly with Equifax, they remain on my credit report, negatively impacting my credit score and overall creditworthiness.

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681e ( b ) ), credit reporting agencies are required to follow reasonable procedures to ensure the accuracy of the information they report. By failing to verify the legitimacy of these inquiries and continuing to report them, Equifax has violated its legal obligation to maintain accurate and reliable consumer credit information.

Furthermore, under FCRA 611 ( 15 U.S.C. 1681i ), consumers have the right to dispute inaccurate information on their credit reports, and credit bureaus must conduct a reasonable investigation into such disputes. Despite my attempts to resolve this issue, Equifax has failed to conduct a proper investigation or remove the inaccurate inquiries.

These unauthorized inquiries are causing undue harm to my credit profile and may result from identity theft or other unauthorized activities. Equifaxs failure to address these inaccuracies undermines the integrity of the credit reporting system and unfairly penalizes me as a consumer.

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter thoroughly. Specifically, I seek the immediate removal of all unauthorized inquiries from my Equifax credit report and assurance that Equifax will take appropriate steps to prevent similar inaccuracies in the future.

Thank you for your attention to this matter. I trust in your assistance to ensure compliance with federal consumer protection laws and to restore the accuracy and integrity of my credit report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform you AGAIN I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$18000.00} ; XXXX XXXX  XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX  XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022.
Product: Debt collection

I am formally requesting the deletion and removal of the following accounts and associated information from my consumer report. The accounts and details listed below should not have been reported in the first place, constituting a clear violation of both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Therefore, I insist that these accounts and information be promptly deleted and removed from my consumer report to rectify the violation of these laws. Immediate action is necessary to comply with this request. Remove these accounts and information without delay!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has re-inserted confirmed fraudulent account into my report. In addition to re-insertion, they failed to notify me as required in 15 U.S. Code 1681i ( a ) Reinvestigations of disputed information ( 5.b.ii ). Within 5 business days of re-insertion. 

Item was removed from report upon delivery of police report and dispute filed in first week in XX/XX/2022. Updated report ( XXXX XXXX ) shows account removed as disputed. 

Upon checking my report XXXX XXXX, the account reappears without notification nor comments stating the account is a result of fraud. 

I am in violation of my FCRA Rights as well as a victim of a flawed investigation system by Experian. I also use their Identity works software as I am victim of the XXXX and XXXX XXXX breaches. Their systems are severely flawed and lack credibility and positive results.They 've successfully lowered my score more during the clean up process than the actual fraudsters.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date XX/XX/2019 ATTENTION DISPUTE DEPARTMENT XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XX/XX/XXXXXX/XX/XXXXXXXX, XXXX XXXX XXXX, FL XXXX* IN RESPONSE TO CFPB : XXXX Dear Credit Bureau , This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise I have been fighting a case of identity theft case # XXXX As a result of these reckless and intentional acts, I have suffered and continue to suffer general and specific damages please be reminded too that the Fair Credit Reporting Act provides that when disputed debt items can not be supported by evidence, then such items should not appear on my credit report. Moreover, when such debt items remain unverified after 30 days, then inaccurate information on my credit report should be removed. Your responses in writing claim to have " verified '' the debt information that I have challenged. However, the law requires more in the case of an identity theft. You asking alleged creditors to match numbers on the computer is not verification in my case. An identity thief used my information without my knowledge and/or authorization hence, those numbers will match up. Simply stated, your action in this matter is not sufficient. 

XXXX XXXX XXXX {$140000.00} AND XXXX XXXX XXXX {$76000.00}. I have received letter from them stating that they have did their part and that your company XXXX  have not removed the negative item I have fax AFFIDAVIT to show my identity was compromised. 
XXXX XXXX XXXX {$140000.00} AND XXXX XXXX XXXX {$76000.00} the account, I have contacted them they sent me a letter saying that they had forward the removal of that Item from my credit and also advise me that XXXX  is refusing to removed they item as now I am very disappointed from your company even do you guys was in the news for practicing the same method I am not here to fight any major company I have the proved needed I just need you guys to do your part of following the law in removed this Item in my credit I also attached the letters and the police report. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX  XXXX, XXXX XXXX XXXX, FL XXXX*
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is against, XXXX, XXXX, and Experian. 
Problem # 1. All three credit reporting Agency refused to remove a negative account with XXXX, after so many attempts explaining there account was paid in full at the time I terminated my service. 
All three credit reporting easily take side with XXXX, choosing to not give my dispute any type of credibility. 

Problem # 2, All three credit report Agency, XXXX XXXX and Experian continues to report an old account that was in collection as still being in collection even after the fact it has been settled by the owner of the account. I was a co-signer on the account to help a friend get for a rental properties, but the signer of the account settled the account and paid in full. 

Problem # 3, All three credit report Agency, neglectfully assessing my three digit credit score number below 680. I have over {$110000.00} Credit line, with only a 10 % Debt to ratio outstanding balances. 20 years of excellent credit history, Mortgage paid off within 19 years. My credit score should be at the lowest 790 and 850 at the highest. These credit reporting are bias and work for the best interest of Banks, Lenders and Credit Card Owners. 
I am trying to take an equity credit line to pay for XXXX of my children college tuition and home improvement, but the lower credit score reported than my credit worthiness deserve, has caused me a great deal of disadvantage. 
This is just an abuse of a power of these three credit reporting agencies. They are simply working against us consumers. They take every opportunities to destroy us consumers after us being  building our credit for decades. These reporting agency do not care to look at the totality of our credit history, we could have 20 years of excellent payment history, and one day we face a creditor trying to collect on account that we dispute and we refuse to pay it because we do not owe it,???? then the credit reporting agency instead of allowing us to exercise our right to dispute it, they side with the creditors and the destroy our lives. They work for them not us the consumers. this has to be STOPPED
Product: Credit reporting, credit repair services, or other personal consumer reports

Kia Motor Finance has been reporting to all 3 bureaus, XXXX, XXXX and XXXX, that my account has been past due, with missed payments for over 2 years. KMF is also reporting differently through each bureau. This is an error is KMF system, as my payment history will show that I have been faithfully making my car payments.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following unauthorized accounts and inquiries from my credit report. I am a victim of a data breach, and these entries were made without my consent. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I ask that these fraudulent items be removed promptly. 
Fraudulent Accounts : XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$210.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$490.00} XXXX XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX - {$110.00} NATLCRSYS XXXX XXXX - XX/XX/XXXX - {$490.00} XXXX XXXX XXXX - XX/XX/XXXX - {$1200.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$530.00} Fraudulent Inquiries : XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/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 XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX NA - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  attempted to process tge repurchase of my loan which they sent to Navient as a default accidently. Navient refuses to process this even being made aware that an error occured.
Product: Credit reporting or other personal consumer reports

My rights have been violated and I requested immediate remedy through Due Process. Per 15 USC 6802 ( b ) ( c ) I am supposed to receive knowledge of my rights to opt-out of my personal information being disclosed/reported through a 3rd party unaffiliate and then a second notice to instruct me on that process. 
Per 15 USC 1666 ( b ) you can not list a payment late on an open account or closed if there is a billing error or unless you can prove with incontrovertible evidence that it was mailed and delivered before 21 days of the due date. No proof has been given or shown and the 3rd party never requested proof to confirm before marking my credit profile with a late payment. Not only did I not receive these said notices and instructions. I also have not received any proof of the damaging action of a late payment. The things that are being reported are affecting my business reputation in a negative way. It is causing me higher interest rates and credit denials. It is also causing immense amounts of stress. Which is also hurting me on an emotional, physical and mental level. If this is not rectified within 30 days I will be left with no choice but to further my elevated stress by pursuing legal action exercising my rights in 15 USC 1692 ( b ) ( d ) ( e ) ( k ). As their choice to not manually perform an investigation and to rely on eOSCAR is also causing further damage. The remedy I currently request is all negative items removed from my credit report immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Bankruptcy XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account ending # XXXX has violated my rights 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 has also states a consumer reporting agency can not furnish a acount without my written instruction
Product: Debt collection

The debt is for breaking an apartment lease. They want 2 months rent plus clean up and {$600.00} to change a carpet ( which is the one part I am trying to fight ) ..About  XXXX  all together for the debt. This debt collector is beyond harassing. The first day they reached out to me was on    X/XX/17      at  XXXX . I missed the phone call, they left a message on my voicemail which SPECIFICALLY says 'you have reached  XXXX   '.  I called them back by  XXXX  to talk to them. Within that half hour, they already called my parents and brother to find me. REALLLY? Not even 30 minutes and they are calling my relatives to find me. They knew they had the right number, my name was on the voicemail. I called them back within  XXXX  minutes, this was before I knew they called my family. They have called me every 3 days from this point as if I have never spoken to them. I told them that there was a specific charge within the debt ( changing a carpet that was perfectly fine when I moved out ) that I dont think is fair. Instead of going back to the client to negotiate, they just flat out refuse and said I am not in a position to negotiate and that I had to prove that the carpet was fine. They also said its all part of the lease. **new carpet is not in the lease*** carpet cleaning is in the lease for around 100.. AND for them to say Im not in the position to negotiate, thats exactly the position I am in, to negotiate. They act as if they want to help, the guy said what can we do to fix this. When I tried to negotiate that one point, he didnt even want to talk about it. So apparently, they dont want to help. they want the whole amount. I am now on the federal do not call list, and they are still calling. As I said, its every 3 days. I speak to them every time they call.. they are very harassing. They refuse to cooperate on anything. I never refused to pay the whole thing, If I am questioning the carpet, shouldnt they be required to discuss with their client? Apparently when they say that if anything is incorrect to let them know, they dont really care.
Product: Debt collection

My family and I are being harassed by Harley Davidson Credit for another persons debt. This has been going on for almost a year. They show up at my house day and night. I have called the company to explain to them this person does not live here serves times but they refuse to leave us alone. Now they are calling members of the family in other states but I am the one who is harassed constantly.
Product: Credit card or prepaid card

Contacted Credit card company on XXXX asking to get credit card protection to get started on account, Rep advised that I do not have protection on account requested a copy of application for verification, was denied access of application copy, Rep told me to go online to see asked if I'm able to get access of a scanned copy of online, Rep advised me no, I told rep I'm unemployed and that my unemployment benefits were upheld which is why payment hasn't been made and why I called in for the protection by to get started, Rep advised wasn't able to assist so the call was terminated.
Product: Mortgage

I am a new customer with Flagstar Bank, they are the servicing provider for my personal home mortgage. At the end of XXXX Flagstar completely mishandled my tax payment to my local municipality and has not refunded my escrow account. Per my closing arrangements as allowed by the state of Wisconsin, I am able to receive my tax obligation from escrow directly via a check, which is what I selected on my closing document. However, going into tax season I never received a check and was told multiple times this was not possible ( they're a servicer located in Texas that obviously did not know Wisconsin laws ). Through multiple exchanges with customer service, accounting, and the third party escrow company we finally were able to pay my XXXX taxes. 

During this process there were duplicate checks cut for the amount of {$1800.00} that were debited from my escrow account. I therefore had a negative balance going into XXXX as they refunded the remainder to me in a separate check. I notified Flagstar of this mistake and after 90 days this still has not been resolved.

I am extremely aggravated with tryin to resolve this with Flagstar because each time I have to talk to 3+ person 's in customer service and accounting to ultimately receive the same response : wait. I'm tired of waiting and ultimately do no trust Flagstar to maintain my mortgage account. I have only been a customer for 7 months and 5 of those months have been spent trying to resolve their mistakes.
Product: Student loan

Dear CFPB representative Hope this email finds you well. I am having an issue with Navient private student loans. I have being making double the minimum payment and instruct Navient during everypayment that overpayment be allocated to principal. Navient does not allocate the additional payment, but continues to charge it towards interest. I called email navient in reference to this practices and they replied but stated that I should allocate extrapayments as directed which I do. I never being delinquent. I spoke with a representative on XX/XX/2019 her name is XXXX   ID # XXXX for 45 minutes in which the whole time she tried to change and denied improper payment allocation. She stated " Interest capitalization must be paid first until it zeros out interest than overpayment goes to principal, '' I challeged her on this because another loan does not have a zero out interest and the payments go to principal, which she replied that it did, only to retract that comment and say that its not zero out but that change of terms of the loans change daily. I have health issues, I am working seven days a week to pay my loans, and this is affecting me physically and mentally.
Product: Checking or savings account

Can never get in contact with bank to get help with missing funds fraudulent transactions
Product: Debt collection

I understand that CFPB is cracking down on abusive, unnecessary and otherwise inflated medical billing practices, so I wanted to submit my complaint about Med-1 Solutions. I received noticed that I owed a combined total of {$3300.00} in medical bills that had surprise charges, and for services that were not only poorly rendered, but services that were tacked on that were not given. The company representative at Med-1 Solutions bullied me with threats of legal action they can not take, including seizing property without court action, and had me so scared if I didn't take their unreasonable settlement - a settlement that was inflated with fees that have no bearing on whatever services I received. The foul language used by the representative was uncalled for. Moreover, I am now on my FOURTH round of XXXX, and I can not fathom why I am being threatened by this company and their attorney representative for bills that the hospital never gave me a chance to " prompt pay ''. It is practices like these that have me, and others, losing faith in the medical billing realm, and practices like these that hopefully the CFPB will start cracking down on - especially in this questionable economy.
Product: Credit reporting or other personal consumer reports

The credit bureaus state my account was properly investigate but how is that possible if the open date is inaccurate, the date of last activity is accurate and missing field on account type, incorrect account number and inaccurate reporting this ground for removal 15 U.S.C 1681i ( a ) ( 1 ) ( A ) ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general 15 U.S.C 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) 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