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

I explained to the Experian customer service person that I have been a victim of identity theft and my personal information has been used to attempt to get things in my name. I have not applied for anything & don't know the person who tried to fraud my name
Product: Checking or savings account

In XX/XX/22 at XXXX I try to deposit XXXX dollars in cash all hundreds bills at the atm with the address XXXX XXXX XXXX XXXX XXXX ca I called right away to customer services to chase bank to make a complaint they did the investigation and they declined because they said no transaction was made they asked me for the receipt so I fax it to them they did another investigation and they declined it again I ask I they can check the camera footage and they told me they cant
Product: Debt collection

Navient called me on XX/XX/2020 at XXXX XXXX  on my personal cell phone in regards to my estranged sister 's student loan debt. I do not own this debt. I am not a cosigner. I am not affiliated in any shape or form with this debt. On Friday XX/XX/2020 they sent multiple text messages from XXXX in regards to paying off the loan. There was no mention of my sister. The messages were written in a way that assumes it is my student loan debt. 

They have called every day since XX/XX/2020. I have their number blocked using third party robocall blocking software but I can still see they are dialing. 

They are also harassing other family members who are not affiliated with the debt in any shape or form. My aunt received a letter about the loan as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE OF FAULT EQUIFAX equafax continues to report erroneous information on a commercial mortgage loan. Equafax is not in uniformity with the other two credit agencies, XXXX XXXX XXXX. Equafax may stand in possible liability and a repairable damage due to the erroneous consumer reporting in the event that this company continues to report erroneous information, I will be requesting certified copies of any, and all information that they are making false claims about.
Product: Credit reporting, credit repair services, or other personal consumer reports

7/30/2023 XXXX  Fraudulent inquiry 
7/19/2023 XXXX XXXX XXXX XXXX XXXX      Fraudulent inquiry 
7/19/2023 XXXX XXXX XXXX XXXX  Fraudulent inquiry 
7/19/2023 XXXX XXXX Fraudulent inquiry 
7/19/2023 XXXX XXXX XXXX XXXX Fraudulent inquiry 
7/19/2023 XXXX XXXX Fraudulent inquiry 
7/19/23 XXXX XXXX     Fraudulent inquiry  
10/7/2022 XXXX XXXX XXXX Fraudulent inquiry  
10/7/2022 XXXX XXXX XXXX Fraudulent inquiry 
1/10/2022 XXXX XXXX          Fraudulent inquiry.  
7/19/2023 XXXX XXXX XXXX  Fraudulent inquiry
7/19/23 XXXX XXXX XXXX Fraudulent inquiry
Product: Debt collection

Called NFCU with Financial Counselor from XXXX XXXX XXXX XXXX, XXXX XXXX. NFCU was able to locate the debt and I was ready to make a payment settlement. However, NFCU would not allow me access to the collection debt without giving a telephone password. I am currently in basic training at XXXX and I did not know the secret password however I was able to give all identifiable information, but NFCU would not allow me to make a payment towards the debt without knowing the telephone password. NFCU stated that I would have to mail them a letter requesting the removal of the requirement of the telephone password. I am currently in basic training and unable to break away from training to fax a request or mail a request for NFCU. I was ready to make a debt settlement payment but NFCU refused to take any payment until the password requirement was removed. I do n't remember the password and I am unable to break away from basic training because of duty requirements. NFCU has the debt and has complete access to the debt but will not allow me to pay towards the debt even though I can give any and all personally identifiable information over the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

incorrect info on my account. 

XXXX { car Loan } shows a late payment in XX/XX/2020 i am in deferment due to covid-19. so i wont have a late payment on my account. This is incorrect info and has dropped my credit score. 
2. XXXX XXXX. account is current. same info. covid-19 deferment XX/XX/2020 2020
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Improper Reinsertion of Deleted Account XXXX XXXX XXXX Dear CFPB Representatives, I am writing to file a formal complaint against EXPERIAN for the improper reinsertion of a previously deleted account into my credit report. The account in question is XXXX XXXX XXXX, which was removed following a successful dispute and has now been reinserted without complying with the requirements set forth under the Fair Credit Reporting Act ( FCRA ). Details of the Violation : XXXX. Failure to Provide Required Notification : Under FCRA Section 611 ( a ) ( 5 ) ( B ), credit bureaus are required to notify me in writing within five business days of reinserting any previously deleted account. I have not received any such notification regarding this reinsertion. 2. Lack of Verifiable Documentation : The FCRA also mandates that any reinsertion must be supported by verifiable documentation from the information provider. To date, no such documentation has been provided to me. 3. Violation of Data Accuracy Requirements : Under FCRA Section 623 ( a ), information furnishers are required to ensure that all reported data is accurate and complete. In this case, the information appears to have been reinserted without proper validation or correction. 4. Failure to Meet Permissible Purpose Requirements : Under FCRA Section 604, all information included in a credit report must meet a permissible purpose, as well as be valid and relevant. The reinsertion of this account does not comply with these provisions. 5. Lack of Transparency : Under FCRA Section 609 ( a ), I am entitled to receive all information used to justify the reinsertion, including details of the source that provided the information and any proof of validation. This information has not been disclosed to me. Personal Impact : The reinsertion of this account has negatively affected my credit report, lowering my credit score and limiting my ability to access financial products. Additionally, this situation has caused undue stress and inconvenience due to EXPERIAN failure to comply with the law. Requested Action by the CFPB : 1. Investigate the improper reinsertion of the account XXXX XXXX XXXX. 2. Require EXPERIAN to immediately and permanently delete the account from my credit report. 3. Ensure strict compliance with the FCRA, including the obligation to notify and provide verifiable documentation before any future reinsertion. 4. Take corrective actions against EXPERIAN to prevent such occurrences in the future. I have attached copies of relevant documents, including : A copy of my current credit report showing the reinserted account. Previous correspondence related to the dispute of this account. Evidence that the account was previously deleted. I appreciate your attention to this matter and look forward to your prompt response and resolution. I am available to provide any additional information needed during your investigation. Sincerely : XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, Back In XX/XX/2019 I had a late fee from XXXX Card. I called right away and the late fee was to be removed. It has now been to months and the late fee has not been removed. I have always paid on time and have called XXXX again which they assured me it would be removed. From looking at my credit report it appears it was never removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, upon review of my XXXX  credit report it noticed that XXXX was incorrectly furnishing data to the CRA. My direct action was to dispute the information, as it was not correct ; XXXX 's response was to add to 30 day lates to my credit report which is inaccurate.

This is an illegal loan, and XXXX  was repaid all monies borrowed. I would like this agency to remove all credit reporting from my credit report as they are in violation of Fair Credit Reporting practices.
Product: Debt collection

A new XXXX bought the practice of my old XXXX. They are claiming that I have a XXXX bill from the previous XXXX  from 2008.  We have double coverage XXXX insurance and everything was picked up by insurance.  We never received a bill from the previous XXXX for the debt they are claiming we owe.  They have also sent it to collections and Capital Accounts has reported it to XXXX.  This is past the statute of limitations to sue AND to report to XXXX.  It is my understanding that a debt (if there was one, which there isn't) older than 7 years cannot be reported to XXXX  or any of the others.  I feel we are being scammed and bullied into paying something we do not owe.  I have attempted to explain this to them two different times.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : 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. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 


2. 15 U.S. CODE 1692e - False or misleading representations XXXX  Account Number : XXXX Please remove it from my credit report. 


3. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX  Account Number : XXXX Delete this account. 


4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On several occasions I have disputed with the XXXX major bureaus the account listed on my report XXXX XXXX and XXXX, I have asked them to verify the debt, and sent me a accounting of how they came to these charges concerning an apartment complex I resided in. I left the apartment in better condition than it was when I moved in, so I have requested they validate, verify the debt, and provide me the detailed charges or a Itemized list of how they came to these charges. I also requested a signed contract where I agreed to pay them. 
I was never in a lease or agreement or contract with this company and they have not complied with the FCRA in providing me this information and continue to report on my credit file negatively affecting me. I have been mailing letters to Experian, XXXX and XXXX XXXX and they are stating its verified, by who, when I have no lease or contract with this debt collector. Please help in this matter I have not received any feedback from them except to kept saying they verified this debt, when it's no way they could have, or they would be able to provide me with the proof.
Product: Credit reporting or other personal consumer reports

This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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>
Product: Mortgage

I am looking for my interest form for filing my taxes that PHH does not send me. Along with my monthly statements that they never send me.
Product: Debt collection

I had XXXX at XXXX XXXX in XXXX, MO in XXXX of 2021. I was told I would have to pay a set amount of money upfront before having XXXX, to pay for what the insurance company would not cover. I paid that amount so I could schedule XXXX. Fastforward to XXXX of 2021, I get 5 collections related to billing by XXXX XXXX for my XXXX. Nobody ever contacted me about the bills, I never received the bills in the mail, and I called them to try to make it right and pay the bills, and I was told that the accounts would not be removed from collections, even though XXXX XXXX is clearly liable for these bills not getting paid. This would be a different situation if I hadn't offered to pay the bills to correct their mistake, but they still refuse me the ability to make it right. So I would like to report them for destroying my credit, that I have worked tirelessly for years to repair, and refusing to correct their mistake. Now is refusing to remove the collection from my report as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

( 103 True identity theft ) REPORT NUMBER : experian Report Number : XXXX XXXX  File Number : XXXX i am a victim of the XXXX  data breach and ive filed my claims accordingly ive been attempting to clear my credit report of these fraudulent items as far back and ive been unsuccessful XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Debt collection

Email dated XX/XX/XXXX from Williams & Fudge , Inc. agent XXXX XXXX that I owe them a debt for {$18000.00}. The Original Creditor was XXXX XXXX. I have no contract with Williams & Fudge , Inc . I do not owe them anything I do not know who they are. They are communicating a false debt under 15 USC 1692e ( 8 ). They are communicating False representation. All caps name, stating consumer owes debt 15 USC 1692b ( 2 ). They are in Communication without prior consent violation of 15 USC 1692c ( a ). They are using false, deceptive or misleading representations in violation of 15 USC 1692e. They are using obscene/profane language accusing me of owing an alleged debt which is violation of 15 USC 1692d ( 2 ).

The communication between Williams & Fudge , Inc. and XXXX XXXX, about me is in direct violation of my privacy per the Privacy Act of 1974. If XXXX XXXX did not violate my rights under the Privacy Act, then how did Williams & Fudge , Inc get my private email information. I have attached correspondence that shows tender of payment ( RI Gen Law 6A-3-603 ) to XXXX XXXX was received via certified mail XXXX XXXX on XX/XX/XXXX. Even the amount stated by the Debt Collector XXXX Williams & Fudge XXXX Inc., doesnt match! 

Also, pursuant to 15 USC 1666d if there is a credit of account balance with surplus of over {$1.00} dollar in accordance to the journal and ledger entries described in IRS Pub 583, the amount balance should be credited and the remaining balance must be directed to the consumer. ( {$18000.00} ) the documentary evidence must be provided to clarify this amount as this is a formal instruction in accordance to 15 USC 1666 ( b ) ( 2 ) to provide documentary evidence which involves books of account in accordance with 15 USC 44 to resolve this billing error.
Product: Debt collection

I am filing this complaint against Kikoff Lending regarding an unauthorized debt that has been placed on my account. I did not authorize any transaction, account, or agreement with this company, yet they have reported a debt to my credit file and/or attempted to collect payment from me.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelle 's 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 unfeasible. The CFPB 's findings indicate that Zelle has neglected to protect consumers and allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several attempt to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. 
XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXXXXXX XXXX XXXX Balance : {$730.00}, XXXX XXXXXXXX XXXX XXXX Balance : {$6500.00}, XXXX XXXXXXXX XXXX XXXX Balance : {$2600.00}, XXXX XXXXXXXX XXXX XXXX Balance : {$0.00}, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Credit Collections Association is trying to collect {$150.00} dollars from a XXXX account that is not mine. I have sent three letters explaining to this company that this account is not mine and doesnt belong to me.
Product: Credit reporting or other personal consumer reports

This is my second time reporting I want to remove unknown address from my credit report The address XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Is not a legit address it states its an apartment And also has a number but if you look up the address its a home, I have not live at this address, I cant live at this address cause it doesnt exist and I would like it removed.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXXXXXX Balance : {$7800.00}XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$700.00}
Product: Credit reporting or other personal consumer reports

i filed an dispute with XXXX, XXXX, and XXXX about the negative items on my account such as student loans that was forgiving in XX/XX/XXXX by president bidan school forgiveness program its still showing as an negative remark on all 3 reports. 

Dept of ED XXXX  amount XXXX XXXXXXXX {$2100.00} statuas says pays account as agreed XXXX XXXX amount {$670.00} openXXXX i dispute not my account XXXX XXXX  amount : {$60.00} XXXX i did dispute this its not my account XXXX XXXX amount : {$470.00} XXXX i disputed not my account Capital one amount {$210.00} XXXX i paid this is full and it still shows up as an negative remark on credit reports this is mines, i disputed and still not resolved XXXX XXXX amount {$12000.00} open XX/XX/XXXX i disputed not my account and it shows paid in settlement but still on my report XXXX XXXX XXXXr amount {$1200.00} open XXXX i dispute not mines my year of birth is wrong on my XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  accounts -XXXX XXXX acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX -XXXX XXXX acct XXXX XXXX opened XX/XX/XXXX - reported XX/XX/XXXX -XXXX XXXX  acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX XXXX XXXX XXXX  acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX XXXX XXXX  acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX XXXXXXXX XXXX acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX XXXX XXXX  acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX XXXX XXXX XXXX ***** opened XX/XX/XXXX - reported XX/XX/XXXX -XXXX XXXX XXXX  ***** opened XX/XX/XXXX - reported XX/XX/XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I 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 wriiten instuctions.
Product: Mortgage

I FELL BEHIND PAYING MY MORTGAGE XX/XX/2016, I HIRED THIS ATTORNEY IN XX/XX/2016 XXXX XXXX XXXX XXXX XXXX XXXX. THE MORTG. SERVICER IS SLS OF XXXX XXXX XXXX. XXXX COLORADO.THIS COMPANY HAS NOT SENT ME ANY MORTGAGE STATEMENTS AFTER XX/XX/2016, THEY FORGED A ROBO-SIGNATURE ON ALL THERE DOCS TO MY ATTORNEY AND MY SIGNATURE ON PAPERWORK THEY SENT TO MY ATTORNEY IS NOT MINE. ALSO THEY REFUSE TO SETTLE OR GIVE ME A MORTG MOTIFY, BECAUSE OF MY AGE/XXXX, AND THEY ARE DRAGGING THIS OUT ADJORNING THIS CASE AS A RETALIATION AND CAUSING MY DEFAULT TO MY MORTGAGE SIGNIFICANTLY SO I COULD NEVER PAY THE ARRERS OF MY DEFAULT AND FORCE ME TO CLAIM A CHAPTER XXXX BANKRUPTCY.
Product: Credit reporting or other personal consumer reports

I HAVE A FEW ACCOUNTS ON MY CREDIT REPORT THAT I DON'T RECOGNIZE. SOMEONE STOLE MY IDENTITY AND OPENED SOME ACCOUNTS. XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. If you can please look into this and delete these immediately. Thanks
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX -DATE OPENED XX/XX/year> Account Name : XXXX XXXX XXXX XXXXXXXX - BALANCE {$220.00}