23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inaccurate entry on my credit report, which I pulled on XX/XX/2024. Specifically, XXXX XXXX XXXX XXXX account is incorrectly reported as closed, with inaccurate multiple payment history dates. Despite this, you have continued to verify and report the information as accurate, without providing any supporting documentation to substantiate its accuracy. 

This failure to correct the error is a violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681i, which requires credit bureaus to investigate and verify disputed information within 30 days. As such, I request that you promptly investigate this matter and remove or correct the inaccurate information from my credit report. 

If the inaccurate information is not corrected within the required 30-day timeframe, I will be forced to pursue legal action under 15 USC 1692g .
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, Under the FCRA, Fair Credit Reporting Act, 609, 611, and 623 in the FCRA, I would like to dispute this delinquent reporting. 

I am humbly requesting that XXXX XXXX XXXX with a reported balance of {$300.00} be removed from my credit report as at the time, I was a young, oblivious authorized/joint user who was added to this account. 
It appears that the primary account holder who may have innocuously added me as an authorized user without my express consent for the sole purpose of trying to establish/build my credit score at the time when I was younger and did not have credit. 

I have perpetually been denied many credit cards, loans, mortgages, and countless opportunities as a result of this negative, perpetual delinquency that continues to harm me as an oblivious, Joint user. Thus, I am humbly asking that you please stop reporting and remove this delinquency from my credit report so that I may finally soon be an aspiring homeowner, and move on with my life for my and my family. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts XXXX XXXX XXXX XXXX- account number XXXX XXXX  XXXXXXXX XXXX XXXX XXXX- XXXX ALL HAVE VIOLATED MY RIGHTS. 15 U.S.C 1681 SECTION 2 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. 15 U.S.C 1681c. ( A ) ( 5 ) SECTION STATES. NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION any OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

I realize I have damages on my credit report. There are accounts open that I did not authorize. According to law 15 U.S. C 1681 its a defamation to my character. I request that these accounts be closed and removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I hired Lexington Law to repair my credit and they were successful which raised my credit score to XXXX which was good. Two years later my credit score went to a XXXX and I dont understand why -- 1 ) I am a XXXX Citizen Retired XXXX XXXX but living in the XXXX for the XXXX so I do not make any charges on my credit cards? 
2 ) After I terminated XXXX XXXX in XXXX, my credit begin to drop and I do not know why 3 ) Items that were removed, deleted and off of my credit with 3-agencies has re-appeared on my credit and I dont know why 4 ) I hired XXXX XXXX XX/XX/XXXX and they informed me that XXXX is being extremely difficult after we already provide many items were not mine and many other items were paid-off, but XXXX continue to keep my score in the XXXX FYI : The majority of my credit cards have balances below {$500.00}, I have NEVER been late on ( Mortgage, Loan, or any other Payment ) since XXXX -- - 10-years ago. There is only 1-Credit Card maxed out which is XXXX XXXX XXXX but nevertheless, payments are still made ontime. I have also re-hired Lexington Law and according to them the SAME ITEMS that was taken care of in XXXX is back on my credit again. WHY?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XX/XX/year> credit collection services XXXX XXXX XXXX XXXX, MA XXXX Re : Account Number XXXX Dear credit collection services, I hope this letter finds you well. I am writing to request a goodwill adjustment for my credit collection services ( Account Number : XXXX ), which has been paid off in full. 
Due to Covid-19 pandemic and the impact it had on the economy, I lost my job as I was laid-off by my company as it attempted to cut down on labor to withstand the pandemic losses and also during this period, I had a medical emergency as I was exposed to the virus and due to this, I experienced financial difficulties that resulted in missed payments on my account. I take full responsibility for these late payments and deeply regret any inconvenience they may have caused. 
I am pleased to inform you that I have since paid off the account in full and have taken significant steps to manage my finances more effectively. This experience has been a valuable lesson, and I am committed to maintaining a positive credit history going forward. 
I am currently in the process of preparing to purchase my first home, a significant milestone for me and my family. These late payments and eventual charge-off on my credit report are adversely affecting my credit score and my ability to secure a mortgage with favorable terms. 
Given my efforts to rectify this situation, I kindly request that you consider removing the late payments and/or the charged-off status ( paid in full ) from my credit report as a goodwill gesture. This adjustment would greatly assist me in achieving my goal of homeownership and provide a fresh start as I move forward. 
For your reference, the account number used by the credit bureaus is XXXX 
I sincerely appreciate your understanding and consideration of my request. 
Thank you for your time and attention to this matter. 
Sincerely, XXXX XXXX
Product: Mortgage

Hazard insurance was placed on my home in early XX/XX/XXXX. I had allowed my homeowners insurance to lapse, I take complete responsibility for this issue. 

I acquired my own homeowners insurance again effective XX/XX/XXXX. As Ditech is adamant about communicating with them via their website ( and I had a copy of my proof of insurance available in electronic format ), I uploaded a copy of it via the Homeowner Assistance > Upload Documents portion of their website on XX/XX/XXXX. That day I also submitted a message to them via their website indicating that insurance had been purchased and asking what else I needed to do to remove their lender placed coverage and square my account. 

No response was received to my message via the " Message '' portion of their website. However, while I was on hold with their customer service today I did receive a response to my personal email account indicating that in order to modify my insurance coverage I must either : 1.  MAIL a copy of the proof of insurance to Ditech or 2. FAX a copy of the proof of insurance documentation According to the first phone representative I spoke with " Insurance documentation must be mailed or faxed per regulations. '' ( seemed odd ) According to the second phone representative I spoke with " Insurance documentation must be imaged in a particular way per Ditech policy and these documents can not be accepted via our website. '' Although they can collect proof of income and tax information via their website...? 

Finally when I asked to speak to someone who could explain the absurdity of the insurance paperwork " policy '' and the 10 day response to my email I was informed of the following : 1. Because of the status of my account ( I am behind because of the exorbitantly priced hazard insurance ) I would not be allowed to speak to a customer service person because my account would be routed directly to a collections agent. 

2. No one was actually available to speak with me regarding my website concerns because " they were all in a meeting '' ( funny - every time I talk to a mortgage company all the supervisors are always in a meeting, together, in the late afternoon... ) I'll mail them a copy of my document. But this absurd insurance document handling policy seems incredibly galling for a company that is adamant about sending all statements and notifications to me via their website.... 

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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX ( account number : XXXX )
Product: Credit reporting or other personal consumer reports

I checked my credit report and I am upset about what I found out. There is a late payment remarked on it but I did not incur any late payments.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX # XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to on time as they should be as I was NEVER Late or be DELETED from my consumer report. Thanks, in accordance with 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments & ( b ) Grace period 15 U.S. Code 1681a - Definitions ; rules of construction ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( 2 ) Exclusions ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title Fair Resolution!
Product: Vehicle loan or lease

Company repetitively calls harassing over payment and refuses to take any information from me. Settlement is to be reached by co-signer, and the company uses threatening tones when I am trying to explain and work through the situation.
Product: Checking or savings account

I used Ally Bank 's XXXX service to pay my landlord rent ( {$2500.00} ) by XXXX and it was sent XXXX. However, it was intercepted in the mail and someone forged my landlord 's signature and deposited it into an account that does not belong to my landlord. I confirmed with XXXX Bank that the check was not deposited into her accounts, and she never received the check. 

I did not realize what had happened until XX/XX/XXXX2024. I immediately filed a police report and a XXXX report of stolen mail, and contacted Ally Bank to let them know what had happened. A dispute was opened and on XX/XX/XXXX2024, Ally gave me a provisional credit for the {$2500.00} stolen. However, they revoked that XX/XX/XXXX2025. 
This is a very long XXXX month saga at this point, but I have called Ally Bank on XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and again today, XXXX. We have exchanged messages and I have online chatted with them, to no avail. I provided the police report immediately. When I first called Ally 's XXXX department, the customer service rep told me he had never dealt with anything like this before. Everyone I have spoken to has been kind but incompetent, even providing completely wrong information. 

At various points, they compared the ( forged ) signature to my landlord 's and determined they are the same and the check was authorized. Ally Bank later ( next open dispute ) contacted my landlord, who confirmed she did not receive this check. They have now closed XXXX dispute numbers and opened a XXXX presumably so I will give up and certainly to start the time over. 

Every time I call, I am on the phone for at least XXXX minutes while they put me on hold and try to catch up with all of the notes of what has happened. XXXX  they have told me they would send me forms I would need to fill out quickly and return - I have received no forms, XXXX months later. Today 's call gave me hope because the person I spoke with ( Icalled the Fraud number, not general number ) seemed shocked that Ally had not refunded my money, but after he consulted with the XXXX Resolution Team, came back and was just as unable to help.
Product: Credit card

We bought a couch from XXXX XXXX back in 22. They had some shipping delays or do they claimed. We were patient and agreed to the delivery date of XXXX, 2022. They never showed up, called or communicated in any form. I reached out to them and they kept delaying. I got suspicious and suspected I was scammed. I saw a news report and XXXX  reviews that the same exact thing was happening to other. I went to cancel my order and they said that they would refund once the bank contacted them. I disputed with Citibank. Citibank usually has great service and will send an envelope to my house or call if they need additional documentation. They did not do this. Nor was this ask posted to our account. We were credited the amount. 
Sometime later, we were charged back and admittedly we did not notice the chargeback. Later I resubmitted the dispute with the help of a bank manager because the system would not allow me to file it. I spent hours explaining the issue and asked over about 10 times why the chargeback happened, why we didnt receive the mailer asking for documentation, why they chose to believe the company over costumer and why they did not follow their normal procedures in communicating with costumers. The company still acknowledges that they owe us money, I provided ample documentation that they do and Citibank kept pushing the second dispute date forward in time. They also do not give us information regarding the statute of limitations regarding dispute times. 

The bank manager gave me great hopes that this would be resolved and I spent many hours communicating with various departments and uploading documents. It would have also been nice to know that if all parties at that time would have told me it was a total lost cause. Not one person in management or the credit cards dispute department did. They left me hanging another 3 months now thinking it will be resolved. I just called and the case will not go in my favor when they knew that all along, months ago. As I stated, on their system, the second dispute date is XX/XX/XXXX of this year but that is not accurate either. I called way before that, they just would not upload the case. 

I have never had their experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M A VICTIM OF IDENTITY THEFT. THIS IS NOT A DISPUTE! THIS IS MY " 3RD '' REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.
Product: Checking or savings account

I received a series of emails from Bank of America stating that a new account was opened under my name. As a result I called BOA and described my issue in reference to the issue. They were able to detect that a checking account was successfully opened as of today XXXX under my name. I declared that this was not actions of myself and this was fraud. They closed the account and stated that I reach out to this agency to advise them of the action.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX did not exercise grave responsibility when making fake scores. They violated the fair credit reporting act. They were unfair, partial, and did not respect my right to privacy. They never had a permissible purpose. They were never instructed to furnish my report.
Product: Credit reporting or other personal consumer reports

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


Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off on XX/XX/2022. I told the credit bureaus to " Investigate every piece of information '' on the accounts I have listed below. Also I have attached and sent them corresponding documents to prove inaccuracies ( photos of my DL, SSN, & utility bills ). Yet has anything been resolved from my report. 

According to the FDRC the term " Investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate and its not and i have the photos with highlighted inaccuracies. 

XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

" Accounts are closed, and past due payments/delinquencies are continuing to report to Equifax violating the Fair Credit Reporting Act ( FCRA ) Section 1681o. ''
Product: Checking or savings account

I opened an account with the " XXXX XXXX '' mobile app about 2 months ago ( XXXX ). The app was working fine then. I deposited {$10.00} to my XXXX XXXX account. Then I didn't use the app for a while. 

In XXXX, I started getting an email that I would have to migrate my account to their new platform called " XXXX XXXX Co '' because their existing " XXXX XXXX '' platform will be discontinued. So I tried to log into my XXXX XXXX app. For some reason, the app keeps crashing a split second after the app logs me in. I tried everything from re-installing the app, clearing data, clearing cache. None of these worked. 

When I tried to sign up from their new app called " XXXX XXXX Co '' ( following their " account migration '' instructions, I keep getting a message saying " You can not open a full account at this time, sorry ''. 

I tried to contact the support multiple times, but I never get a response. 

Basically, they have my money in XXXX. I feel they stole my {$10.00} from me, since they keep ignoring me and I have no way of accessing it while they're saying the existing platform I signed up for will be defunct soon, gone, along with my money. 

My name is XXXX XXXX, my phone number is XXXX. 
My registered email is XXXX. 

I would appreciate your help in getting my money back from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX Account # 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 also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account re-aging. Account activity has been disputed twice. Age of debt has been disputed twice with documentation sent to CRAs. Reported activity just changes to new random activity in the closed account and credit dispute is reported as " updated '' New activity reactivates reporting period. Equifax just added " OK '' for every month until present date to the XXXX account closed since XX/XX/XXXX Original date of age off was XX/XX/XXXX in XX/XX/XXXXnow age off date is XX/XX/XXXXData for joint account holders of same XXXX account reported by same CRA XXXX does not match. The reporting is random " OK '' then " XXXX '' the next month. account closed for years with no activity then shows " XXXX ''. This is blatant debt re-aging There are at least XXXX different XXXX and multitudes of dates when the account was closed.