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

In accordance with the Fair Credit Reporting Act The list of accounts below have violated my federally consumer rights to privacy and confidentially under USC- 1681. 
XXXX, XXXX in the amount of XXXX. XXXX in the amount of XXXX this is not even my account long with the other accounts on this list. I've been trying to get these things off my credit report for a long time. I've even hired other companies to help me get these items deleted off my account. I'm XXXX almost XXXX and I've never been able to use my own credit because since i can remember someone lots of someone's have had their hands on my information. lots of people i don't even now in states I've never been in before I don't know how this happens and its sad it does. Sorry back to my list XXXX XXXX in the amount of XXXX. XXXX XXXX XXXX in the amount of XXXX XXXXXXXX XXXX XXXX IN THE AMOUNT OF XXXXXXXX XXXX XXXXXXXX XXXX XXXX IN THE AMOUNT OF XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Like I said i hired other companies like XXXX XXXX and the XXXXXXXX XXXX to help me remove these items and trust you me the process is way to slow I would like to buy a house and marry my sweetestlove. o yea one more XXXX This was a scam i took all the paperwork text messages everything i had into them. Please help me 15.6.S.C 1681 Section 602 States i have the right to privacy 15 USC SEC 604 A It's also stating a consumer reporting agency can not furnish an account without my written instruction.

15USC.1681c ( a ) ( 5 ) Section states No Consumer Reporting Agency may take any consumer report containing any of the following items of information any other adverse item of information other than renounce of conviction of crimes which antedates the report by more than 7years.

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

Capital One acct XXXX Account was paid off in XX/XX/2022, but small amount of interest accrued bringing balance to {$2.00}. 
Account was not on autopay, and was traveling a lot in XXXX, so did not see statement with small balance. Fees were then charged following month for {$2.00}, brining balance to {$4.00}. 

I eventually paid balance, but account was reported to the reporting agencies for what was only interest and fees accrued, and resulted in my credit score dropping XXXX points from a score of nearly 800. I even have a savings account with Capital One for over {$2000.00}, so was really surprised by the negative action for such a small balance! 

My husband and I are in the process of buying a new home, and such a significant adverse impact on a credit score for a petty balance consisting of only interest and fees seems wrong. 

Thanks for listening- I hope you can help us rectify. 

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

I received a copy of my credit report and I see that this erroneous information from XXXX XXXX is still on my credit report. I am reporting this account incorrectly and fraudulent This account does not and have not ever belonged to me, it is a closed account, but also shows remarks stating it was charged off as bad debt and the dispute was resolved wit a balance of {$11000.00}. According to FRA, I have the right to an accurate credit report.
Product: Debt collection

Was billed for insurance I dont have and someone from a address Im not familiar with. Someone used my identity to get insurance and Ive shown proof of my address through email with licenec and other documents.. I have never been associated with the adrsss at all in my life. Its also hurting my credit and ability to obtain my first house
Product: Credit reporting or other personal consumer reports

I am writing to formally request that the following accounts be blocked and deleted from my credit report due to being a victim of a data breach. As provided by 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that these accounts be immediately removed from my credit file to protect my personal information and prevent further damage to my credit standing. 
Accounts to be blocked and deleted : 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several addresses on my credit report that do not belong to me and My credit file has been compromised by either fraud or mistaking ID. My name is XXXX XXXX! Please remove these variations of my name XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. 
The following adresses are not mine please delete these I am not associated with them : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union reports address as XXXX XXXX XXXX XXXX XXXX CA XXXX. That address does not exist. We own the house at XXXX XXXX XXXX XXXX XXXX CA XXXX for 20 years. Trans Union refused to correct their typo. Reference file # XXXX XXXX XXXX XXXX. 
Thank you. XXXX XXXX
Product: Debt collection

I'm lodging a formal complaint against both XXXX XXXX XXXX and XXXX insurance, as it is my conviction, they disregarded my privileges under the FCRA. Reporting inaccurate information about its status to the credit bureau. I didn't notice this error right away, that this was an already reported collection. Initially, this was a Debt by progressive insurance given as collection to XXXX XXXX XXXX. I questioned this record for the subsequent chance to have it eliminated and they changed the comments to wrong and never eliminated the data. They never sent me any letters, calls, or messages with respect to this. Kindly check and eliminate.
Product: Credit reporting or other personal consumer reports

{$5500.00} Open balancXXXX XXXX XXXX Original creditoXXXX XXXX Opened XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXXXXXX XXXX
Product: Student loan

I declared bankruptcy back in XXXX. I went to school part time but my student loan was not discharged. I read that it should of been. also this school when I went to it XXXX XXXX was not a college when I started and became a college during my time there. I also read that it should of been discharged during my bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Mortgage

I have tried to submit a loan modification to P.N.C BANK back on XXXX/XXXX/2016 and they asked for all documents that i have provided to them and then they deny my modification due to them claiming I do not make enough but I actually have a positive surplus of over {$900.00}. 
I was denied loan modification on XXXX/XXXX/2016 and appealed the decision but then I receive a denial letter on appeal 3 days later. I know that by CFPB guidlines i have at least 30 days to appeal but PNC stated that since appeal process is not 90 days before sale date they can not do anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX. XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$7.00} XXXX XXXX XXXX Balance : {$10.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$260.00} XXXX XXXX XXXX Balance : {$60.00} XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. You are reporting a DELETED account/information from other bureaus. Per FCRA, reporting must be 100 % accurate or IMMEDIATELY REMOVE the negativity.. XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXXXXXX XXXX XXXX  XXXX, CA, XXXX, WELLS FARGO DEALER SVC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 4th time disputing these accounts and no one is responding ... The CPFB is supposed to ensure that these credit bureaus are following the law and they are not. 


XXXX XXXXUnverified Account Acceptance Now- XXXX Unverified Account US Department of Education- XXXXXXXX Unverified Account XXXX- XXXX Unverified Account XXXX XXXX- XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX  XXXX- XXXX Unverified Account XXXX XXXX  XXXX- XXXX Unverified Account XXXX XXXX Unverified Accoun XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Texas XXXX XXXX
Product: Debt collection

We represent an elderly, isolated senior of limited financial means. On her behalf, we sent a letter to this creditor requesting no further contact of any kind. Although the creditor acknowledges receipt of the letter requesting no further communication, the creditor asserts its right to continue to send " servicing correspondence '' such as monthly statements. By continuing to communicate with our client after receiving her request for no further communication, the creditor is violating Section 805 ( c ) of the Fair Debt Collection Practices Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony bank, which is a owner of the XXXX card and XXXX XXXX  care card is refusing to delete my wife from XXXX  credit bureau. She has spoken with XXXX   several times and they only wanted to dispute the issue. The problem with that is, SHE IS IN ESCROW!! And now she may screw her loan up, the lenders wants those accounts totally deleted off of her reports. She hasn't been an authorized user since XX/XX/2018 XXXX balance is around XXXX and XXXX balance is around XXXX or so? 
This needs to be resolved as of last month. And it needs DELETION..NOT JUST REMOVED AS AN AUTHORIZED USER. FROM ALL CREDIT BUREAUS..
Product: Debt collection

XXXX states {$2400.00} is owed for debt. Spring Oak Capital states {$2400.00} is owed for same debt. If XXXX holds debt rights they have sold data to a 3rd party without the consent of consumer and debt should be removed as it has left a derogatory mark. If XXXX has sold the debt to Spring Oak Capital they are trying to collect double on a debt while reporting both as derogatory. Both cases are major irregularities in data and should be resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

There are hard inquiries on my credit reports that i did not authorize. I am a victim of identity theft. I have attached a copy of my police report. I ask that these be removed from my credit report immediately. 
The inquires that i did not authorize are : XXXX XXXX XX/XX/2022, XXXX XXXX XXXX XXXXXX/XX/2022, SANTANDER CONSUMER USA XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX of 2020 the creditor XXXX XXXX XXXX requested Experian to remove late payments for XXXX and XXXX of 2020 from my credit report. However, those late payments are still on my credit report. I tried to dispute these late payments twice with Experian providing proof that those late payments should be removed and the creditor requested them to do so, however, they are still on my credit report. Experian did not look into this issue carefully and my request was not met. I am attaching proof to this complaint showing that creditor reached out to Experian twice in regards to this matter, however, it did not bring any results and false late payments remain on my credit report.
Product: Debt collection

I have tried numerous attempts to get Cavalry Portfolio Recovery to remove fraudulent accounts from my credit file and never have anyone send me verification only harassing phone calls daily back to back everyday which I told them to stop calling me repeatedly and they will not stop. I have no knowledge of these fraudulent accounts they claim I owe and need these fraudulent accounts removed. I have also contacted XXXX, XXXX, and XXXX about sending verification of these fraudulent accounts and to have them removed but they have never removed from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

they deleted some of the false fraud claims but not all the ones they left two out that where in ohio where i never lived here is the police report and the two claims that they need to delete from XXXX XXXX and XXXX CLAIM 1 Claim Date/Age : XX/XX/XXXX ( 02yr - 04mo ) XXXX  File # : XXXX Company : XXXX XXXX XXXX   Claim # : XXXX Policy # : XXXX Policy Type : PERSONAL AUTO Policy Holder : XXXX, XXXX Vehicle Operator : XXXX, XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Sex : M Address : XXXX XXXX XXXX, XXXX Drivers License # : XXXX Vehicle : XXXX XXXX XXXX VIN : XXXX Disposition : N/A PAYMENTS BY CLAIM TYPE Amount Type Status {$25000.00} BODILY INJURY CLOSED {$65000.00} COLLISION CLOSED {$26000.00} PHYSICAL/PROPERTY DAMAGE CLOSED Additional Info : N/A CLAIM 2 Claim Date/Age : XX/XX/XXXX ( 04yr - 03mo ) XXXX File # : XXXX Company : XXXX XXXX Claim # : XXXX Policy # : XXXX Policy Type : PERSONAL AUTO Policy Holder : XXXX, XXXX Vehicle Operator : XXXX, XXXX Date of Birth : XX/XX/XXXXSSN : XXXX Sex : M Address : XXXX XXXX XXXX, XXXX Drivers License # : XXXX Vehicle : XXXX VIN : XXXX Disposition : DAMAGED PAYMENTS BY CLAIM TYPE Amount Type Status NaN COLLISION CLOSED Additional Info : N/A
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE INFORMED EQUIFAX AND XXXX THAT I HAVE BEEN A VICTIM OF IDENTITY THEFT AND THAT I HAVE NOT AUTHORIZED THESE INQURIES ON MY CREDIT REPORT. I HAV ESUBMITTED MY POLICE REPORT AND FTC REPORT SEVERAL TIMES. I WOULD LIKE THESE UNAUTHORZED INQURIES REMOVED FROM MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please conduct a reasonable verification on the BK that is on my Experian Report. Please provide proof by supplying documentation that shows my Name, Address, and Signature for the alleged item.  Also, provide the Name, Address, Telephone number, and Signature of the person verifying the alleged item. Per FCRA section 609 the documentation should be provided within 30 days. If proof of documentation for the BK can not be provided please Delete and Remove the alleged item from the credit report. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX shows experian account # XXXX was first 30 days late in XX/XX/2018. In the comments it shows as of XXXX i was delinquent. The balance they charged off shows to be XXXX but the amount they are collecting is XXXX. They cant add interest after they charged it off. My credit report has false data, XXXX different dates it was charged off and XXXX different balances. This needs to be removed from my report. 


XXXXXXXX XXXX XXXX shows XXXX was 30 days late and XXXX on another part of my report. It shows in XXXX it was charged off for XXXX but they say i am owing XXXX. Once again interest has been added. 

They also report me living at XXXX XXXX XXXX XXXX XXXX tx. I have disputed this with transunion and experian. They refuse to remove the false date.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 USC 1666b under timing of payments, it states that a creditor can not treat a payment on a credit card account under and open end consumer credit plan as late for any reason. I have called and sent letters to to both XXXX XXXX XXXX  and XXXX XXXX XXXX of the law. I was advised by both XXXX XXXX XXXX  and XXXX XXXX XXXX advised me that by LAW they are not allowed to remove any late payments. I called XXXX at XXXX and spoke to XXXX XX/XX/2022 she advised me that they are not governed by the CFPB laws and do not have to comply. I called XXXX and spoke to XXXX on the XX/XX/2022 and he said that XXXX can not remove the information without the consent of the original Creditor. I am the original creditor. I extended my credit through my open ended credit card ( what is normally call the social security card ). I quoted the law and I was advised that of the law and still will not remove the illegal information. I explained the same to Experian and advised them that facilitating the posting of my information know the law is illegal and that they are opening themselves up for a lawsuit. I was told take my best shot.
Product: Checking or savings account

In response to my previous complaint against chime and my account being taken under control by an identity thief. 
XXXX XXXX XXXX
Product: Checking or savings account

I am having an issue with Citibank checking. A company by mistake ran an automatic debit through this account 3 times in error. I had changed banks. This caused overdraft fees on an account I was closing anyway due to so many issues with Citibank. I explained what happened and requested them to close the account. They refused. They stated I needed to pay the outstanding {$100.00} to close the account. I told them I do not have it as I am filing Chapter XXXXThey refused to close the account and now they are calling at least 40 to 50 times a day from different numbers. I have a block list in my phone a mile long. I have given them my attorney 's name and information 4 times now. They still refuse to stop calling. This is the conversation I just had with them. 
Info at XXXX, XX/XX/XXXX : Welcome A Citi representative will help you in approximately 0 minutes 22 seconds. 
Info at XXXX, XX/XX/XXXX : Within this chat window, do not share such information as your security word or expiration date. To help safeguard your account, we may send you a secure, electronic form you can use for sensitive information. 
This chat may be recorded or monitored. 

You are now chatting with XXXX. 
XXXX at XXXX, XX/XX/XXXX : Welcome to Citi Live Chat. We appreciate the opportunity to serve you. Can you allow me a moment while I review your request? 
XXXX at XXXX, XX/XX/XXXX : Are we still connected? 
You at XXXX, XX/XX/XXXX : yes You at XXXX, XX/XX/XXXX : I want a copy of this conversation for my attorney XXXX at XXXX, XX/XX/XXXX : I will totally leave notes on the account regarding your request. I can not guarantee you the calls will stop, I apologize, but the notes will be left on the account. 
You at XXXX, XX/XX/XXXX : You do realize now that I have gave you my attorney information if the calls continue you are in violation of the law You at XXXX, XX/XX/XXXX : Again this is my 4th request You at XXXX, XX/XX/XXXX : I have copied this conversation and forwarding to the FCC and attorney general You at XXXX, XX/XX/XXXX : XXXX calls in one day and is out of control I am at my wits end. All day long at work my cell phone rings. Below you will find a screen shot of the blocked calls for 2 days. This has been going on for weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being. I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. and they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX. XXXX XXXX XXXX {$400.00} XXXX. XXXX XXXX XXXX- {$1200.00} XXXX. XXXX XXXX- {$3400.00} XXXX. XXXX XXXX {$580.00} XXXX. XXXX XXXX- {$1700.00} XXXX. XXXX XXXX- {$1500.00} XXXX. XXXX XXXX XXXX {$1100.00}
Product: Vehicle loan or lease

On XX/XX/XXXX I purchased a used XXXX XXXX XXXX XXXX VIN # : XXXX ) for {$14000.00} financed by Westlake Financial. The car dealer advised me to obtain GAP INSURANCE since the value of the car is less than the loan amount. I paid {$160.00} for the Gap Insurance thru Westlake Financial. 
On XX/XX/XXXX the car was involved in an accident ; XXXX declared the vehicle a total loss and sent an amount of {$9400.00} to Westlake Financial. The GAP Insurance was supposed to cover the remaining balance of the loan. 
To my astonishment, Westlake Financial sent me a bill for the remaining balance and I have to make a payment of {$240.00} on XX/XX/XXXX. I contacted them many times ( spoke to XXXX XXXX once ) and they kept telling me that they will remove the balance. I asked them to send me an email confirming that they will remove the balance, which they never did.
Product: Credit reporting, credit repair services, or other personal consumer reports

scammers and identify theft applied for an online loan in Wells Fargo. 

I request an investigation, Wells Fargo first replied it's an online application does not need a physical person 's signature in XXXX. Then Wells Fargo investigated that personally applied this load in one of their Branch.
Product: Credit reporting, credit repair services, or other personal consumer reports

while login on to my credit monitoring I noticed that a few accounts that was on my report 1.midland credit management {$740.00} 2.XXXX XXXX XXXX  XXXX