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

I have been a victim of identity theft. This has been an ongoing issue with the creditors along with the credit bureaus that I have worked with them trying to rectify these issues of fraudulent accounts. For over 1 year I have submitted multiple disputes along with providing all required documentation to support my dispute. I have provided the creditor and the credit bureaus with the police report, Official FTC Report, Drivers License, utility bill to support my unprecedented situation of Real Victim Identity Theft. As a result 2 of the 4 fraudulent accounts were removed on two different occasions. Since then has popped back onto my credit report due to the creditor resolving the accounts as fraud, then deleting the accounts after which they are selling the debt to a collection agency which then reports the same fraudulent account back to the credit bureaus and re reporting of each takes place. I have spoke to a multitude of different representatives and supervisors looking for assistance to get these accounts that I have NO ASSOCIATION with removed once and for all. I have been given little assistance with these matters and close to no response back at all at this point. This is ruining not just my credit, but this ongoing issue has ruined my life. Below you can find the account names and opening date and amount! 

XXXX XXXX opened XX/XX/XXXX {$24000.00} XXXX opened XX/XX/XXXX {$31000.00} ( XXXX ) XXXX XXXX XXXX opened XX/XX/XXXX {$4400.00}
Product: Credit reporting or other personal consumer reports

In XXXX I sent Citi Card a correspondence requesting opt out per 15 USC 6802 Citi Never responding and continues to violate my Federally Protected Consumer Rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy have violated my rights.

15U.S.C1681 section 602 A. States I have the right to privacy.

15 U.S.C1681 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

Hi, i have numerous inquiries account that are unauthorized and need to be removed from my credit report from the major credit bureaus immediately. I tried to consult this with the original creditors with customer service, but nothing change. I tried to dispute inquires with all three major credit bureaus ( Experian, XXXX and XXXX ) nothing has changed. I am now taking extra measures with FTC and CFPB. 

I recently check my credit report and all unauthorized inquires are still there. Please remove the following inquires : Experian : ( XXXX XXXX OF : Inquired on XXXX XXXX, XXXX. 
XXXX XXXX, XXXX XXXX : Inquired on XXXX XXXX, XXXX. 
XXXX XXXX XXXX : Inquired on XX/XX/XXXX. 
XXXX XXXX : Inquired on XX/XX/XXXX. 
XXXX : Inquired on XX/XX/XXXX ). 



XXXX XXXX ( XXXX XXXX XXXX : Inquired on XX/XX/XXXX. 
XXXX XXXX XXXX : Inquired on XX/XX/XXXX. 
XXXX XXXX XXXX  : Inquired on XX/XX/XXXX. 
XXXX XXXX : Inquired on XXXX  XXXX, XXXX ). 


XXXX  : ( XXXX : Inquired on XX/XX/XXXX. 
XXXX XXXX : Inquired on XX/XX/XXXX ).
Product: Debt collection

Greetings. I was totally naive and gullible. i was asked to join and i told them i do not have a job in the year XX/XX/XXXX and XX/XX/XXXX..so i told them, the day i joined within few weeks, i wanted to withdraw- the agent agreed but i did not know they send totally to collection This is against ethics, integrity ... This does not make sense They were trying to play games on naive or gullible and too honest, direct, ethical upfront now i am trying for a very important job and this is showing in the report i am really worried what will happen it has never happened they are not honest and we can not contact them according to the lady who called me also
Product: Credit card

To Whom It May Concern, Account Number : XXXX I am writing to request specific information regarding the above-referenced account. Please note that I am not disputing the account or the information currently reported. I am simply seeking clarification regarding the account details. 

I kindly request that you provide me with the following information : The date of the first delinquency on this account. 

The date of the last payment made on this account. 

The date of the charge-off on this account. 

Having this information will help me better understand my account history and its reporting timeline. I appreciate your cooperation in addressing this request and look forward to your prompt response. 

Thank you for your attention to this matter. 

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

In accordance with the Fair Credit Reporting Act Lendmark Financial Services 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 an account without my written instructions. 

I would like to have the account removed from my credit report.
Product: Debt collection

Debt collector repetitively called me to pay an amount my ex husband owed at XXXX which he got when he was still not married to me. he opened an account at XX/XX/XXXX and got tv, XXXX etc before we got married and now the collector is convincing me that i should pay it too since my ex husband is not making his payments. we 've been divorced since XX/XX/XXXX and the collector started calling me XX/XX/XXXX. He wanted me to pay at least half of what my ex-husband currently owe XXXX which is XXXX. I have my own account at bestbuy and excelent with my history of payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Disputing Information in Credit Report I am writing to dispute the following information in my file. 

This item XXXX  APP is inaccurate incomplete and inconsistent because balance owed and payment history within 24 months are different with both TransUnion and XXXX I have sent in disputes requesting the CRAs to validate the information and delete the information that does NOT MEET THE FCRA REQUIREMENTS I HAVE SENT ALL CRAs a copy of what is being reported to all three of the CRAs and the only CRA that has complied with the FCRA laws and my right to a Fair accurate consistent and complete credit report was XXXX. They deleted the account due to the factual information being incomplete and inconsistent and inaccurate. I have been harassed at home at my place of business after sending a ceased and desist letter email and verbal warning to collect a debt that has NEVER BE FULL VERIFIED PROPERLY by both TRANSUNION AND XXXX and HAS ALLOWED THIS CREDITOR TO CONTINUE TO REPORT ILLEGAL INFORMATION PAYMENT HISTORY AND BALANCES WITHOUT DOING A PROPER INVESTIGATION BOTH CRAs has a known history to not properly complete a full investigation of what the creditor is reporting and I am a litigation consumer and I will seek legal action if this matter is not resolved. i am requesting that this item be DELETED PERMANENTLY Enclosed is documentation supporting my request : DISPUTE RESULTS FROM XXXX AND BOTH REPORTS AND BALANCES IN WHICH BOTH CRAs statements the balance was updated back in XX/XX/2023 FCRA Violation 15 U.S.C Sec 1681i ( a ) Consistency Accurate and complete information should only be report the the CRAs by law anything that is not consistent complete or inaccurate is to be PERMANENTLY DELETED 15 U.S.C Sec 1681i ( a ) THIS ACCOUNT IS IN VIOLATION OF THE LAW DELETED PERMANENTLY this negative item does not meet the FCRA Requirements Please reinvestigate this matter and delete the disputed item as soon as possible.
Product: Debt collection

Have been receiving calls on my wife 's phone, but about me. They said that they are a collection company regarding a debt from 2012. If I did have it, it was settled back then. I am not certain that I even had it! The caller said that I needed to provide proof of payment or discharge. That was 13 years ago!! I have not heard about it at all before. They bought it from another collection agency. Isn't there some kind of limit on time-frame. As I go to thinking, it seems quite likely that it was a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian about negative inquires on my credit report and customer service was not able to help or take care of this. I have been a victim of their inquire issue. 

XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX - XX/XX/XXXX XXXX/XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  - XX/XX/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 XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX - XX/XX/XXXX XXXX XXXX/ XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiries have appeared on my credit by these creditors : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Dates : XXXX XXXX Amount : XXXX Reference : XXXX Overview : With assistance from my Home Health Aide, XXXX XXXX, I, XXXX XXXX, placed a Moneygram transaction as sender XXXX XXXX ( recently XXXX XXXX ) to receiver XXXX XXXX. XXXX XXXX requested a last name adjustment for it to be recognized and received properly. Moneygram refused even though this has been done before by them. Additionally, they refused to return the money. They gave a " release funds number '' a XXXX. However, there was no way to receive it from that particular Moneygram location. 

Upon going to the new Moneygram location they referred me to, they refused to release the funds unless it was the sender, XXXX XXXX.
Product: Mortgage

I XXXX experience hardship due to car issues, ill parent, and child XXXX that has caused me to miss work and therefore income. I applied for a loan remodification and was decline. I believe Bank of America does not want to assist me because the property value of my home is high and they will make money but selling the home. The initial modification ballooned my payment higher than what I originally paid. Therefore causing me to fall behind on my note. Now they are proceeding with foreclosure. I do not find this practice just. I have submitted documents which were the same income and bills that approved my first modification. Please help. I do not want to lose my home.
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

This is not a duplicate report and this is not filed by a XXXX party or XXXX XXXX XXXX. 
In accordance with the Fair Credit Reporting Act Convergent, these accounts below has violated my rights according to 15 U.S.C 1681 section 602 A. States, I have a 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. 

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

XXXX, TRANSUNION AND XXXX ARE IN VIOLATION WITH 15 U.S.CODE 1681b, 1693 ( a ) 2, 1681 ( b ) ( a ) 2. PRIVATE PERSONAL SECURITY ACCOUNT INFORMATION IS BEING/HAS BEEN SOLD/TRADED WITHOUT AUTHORIZTION AND REPORTED FOR PROFIT AS PER INQUIRY TRESPASSING AGAINST THE ESTATE CAUSING COMMERCIAL INJURY UNCONSTITIONALLY ENCUMBERING INTERSTATE COMMERCE THROUGH ORGANIZED CRIMINAL ACTIVITY FOR PROFIT. THE INQUIRIES AND INACCURATE ACCOUNTS UNCONSTITIONAL VIOLATION HINDERING THE ABILITY TO EXECUTE REMEDY PROVISIONS SET FORTH THERE IN 18 U.S. CODE 245 INVALID ACCOUNTS AND DAMAGING INQUIRIES THAT SERVE NO PURPOSE OTHER THAN DAMAGE CREDIBILTY. SECURITIES COMMODITIES EXCHANGE CIVIL AND CRIMINAL R.I.C.O. 
XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX,. XXXX AND XXXX XXXX ARE REPORTING LATE. I DECLARE ALL INACCURATE ACCOUNTS ON THE CONSUMER REPORT ARE TO BE CORRECTED PRESENTING NO LATE PAYMENT FOR CONGRESS HAS NO DEFINITION FOR SUCH AS PER 15 U.S.CODE 1666b and 15 U.S. CODE and 15 U.S.CODE 1602 INCLUSIVE OF ANY ALL INQUIRIES ON THE CONSUMER REPORT BEING IN DIRECT VIOLATION OF 15 U.S. CODE 1681b FOR NO INQUIRY REMAINING IS BENEFIT OF THE CONSUMER AND REMOVAL OF SUCH IS PRIVATE BENEFICIAL INTEREST OF THE CONSUMER. I DECLARE AND VERIFY UNDER PENALTY OF PERJURY UNDER THE LAWS OF THE UNITED STATES OF AMERICA THAT THE FOREGOING IS TRUE AND CORRECT.
Product: Money transfer, virtual currency, or money service

Back in XX/XX/year>2024 I transfered crypto to my crypto wallet. Once in my wallet I attempted to transfer those funds to my bank account but to no avail. Contacted XXXX XXXX for assistance but they keep giving me the run around requiring to provided them with information about myself which I submitted many times. Just yesterday I submitted a video of myself as they requested that info for verification. It's been 2 months and still no satisfaction. I do know that someone had hacked into my account but no monies were removed. Not sure how that happen and once I noticed that taking place I locked the account. I was able to reopen the account and copies the info of the person impersonating me and submitted that info as well to Crypto. But they continue to drag their feet. Don't know what else to do.
Product: Credit reporting or other personal consumer reports

My account with TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

On or about XX/XX/year>, received notification from a XXXX party credit report/score provider, XXXX XXXX XXXX alerting me that my Equifax Credit Score had dropped drastically. 

Upon reviewing XXXX XXXX Equifax Report, I found XXXX collections added to my Equifax Credit Report, all from the same source. XXXX XXXX XXXX, XXXX, XXXX, XXXX. ( See attached. ) I also paid XXXX XXXX and XXXX XXXX, for a copy of Equifax Credit Report, the same XXXX collections appeared on these reports. ( See attached. ) I immediately logged into Equifax Credit, where I found no such collections ( See attached. ). I then called Equifax Credit, whose representatives told me that my Equifax Report did not contain collections. ( See attached. ) I have contacted XXXX XXXX XXXX, who have no such open files, and have called Equifax Credit numerous times to be told no such collections exist, yet they do in the XXXX party reports pulled in their name. 

At Issue : Equifax is provided my report to creditors, lenders and/or XXXX party vendors, with negative information that I can not dispute. This is a violation under the FCRA. Again, to be plain, if it is not on my consumer report, I can not dispute the items and/or collections. 

I am in the process of buying a home, this erroneous report provided by Equifax could cost me XXXX of thousands of dollars in higher interest rates.
Product: Credit reporting or other personal consumer reports

XXXX  is an account on my report I did not even know about. Previous disputes did not get me anywhere. However, they sold this account to a XXXX XXXX, who in turn, filed a lawsuit against me. I fought the lawsuit, and it was dismissed with prejudice. As you can see in the attachments via XXXX XXXX XXXX responses, XXXX continuously says that they have nothing to do with this, and to reach out to XXXX XXXX. I reached out to VXXXX XXXX via the XXXX, and they state exactly what I have said, this was thrown out, and they have nothing to do with this. As part of the lawsuit, this reporting should be stopped, as a settlement was agreed upon. XXXX just verifies without actually looking into the situation. With all of the documentation provided, including XXXX saying they were not even the ones reporting this tradeline on my report ( which is not factual ), I am requesting for the CFPB to intervene to have this tradeline removed from all credit reporting bureaus.
Product: Credit reporting or other personal consumer reports

XXXX XXXX give their customer credit score checks through ( experian ). It shows that on the XXXX XXXX XXXX in to my account my credit score along with my checking balance amounts and the note my checking balance caused my credit score to become poor. My checking and Savings amounts are not credit accounts. My personal bank accounts should not be a display for Merchants to view the entire balance to all of my accounts along with my social security numbers all other personal information. I do not see experian has jurisdiction to display my bank accounts if they are not credit accounts.
Product: Credit reporting or other personal consumer reports

I contacted Tomo about the credit repair Boost product to improve my credit score. I have never received services and Tomo is advertising services that Tomo knows the company can't provide. When I attempted to resolve the issue Tomo responded that I signed a contract that will not allow for refunds. Tomo is admittingly engaging in gross enrichment and refuses to provide me with a service or a refund. Money was accessed without my permission and stollen from my account after I had cancelled my account. I voiced my concerns the XXXX month after receiving no services in which I was told to continue to pay while I awaited to receive services from Tomo. 13 months later Tomo claims I agreed to pay without ANY SERVICE PROVIDED through solicitation by false advertisement.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Chime/XXXX XXXX for committing identity theft. On XX/XX/2022 I checked my credit and seen that an account reporting that I never opened or authorized. I have never given CHIMEXXXXXXXX XXXX ANY permission to use any of my identifying information to commit fraud. Until CHIMEXXXX XXXX  can provide me with sufficient documentary evidence, such as a trilateral contract remove this fraudulent open account from my credit file, if this documentary evidence can not be produced and Chime/XXXX Bank continues to report this unauthorized account. I will file for litigation for actual damages caused and CHIMEXXXX XXXX will be held criminally liable for aggravated identity theft pursuant 18 USC 1028A , extortion, theft by deception and securities fraud. CHIMEXXXXXXXX XXXX  is also reporting an unknown address on my credit file attached to this account that I have informed the credit agencies that does not belong to me and that I have never lived at, and was told that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was attached to this said Chime/XXXX XXXX  account and XXXX customer service agent told me that it can't be removed. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required. XXXX XXXX XXXX
Product: Debt collection

In the previous complaint on National Credit Systems, they claim to have spoken to me in XXXX ( on a recorded line ). In this conversation I told whom ever I spoke with that this debt was inaccurate and incorrect. I do not owe this debt. They have not provided any information as to the origin of the debt and why it is owed.
Product: Mortgage

A package was submitted for a loan modification with XXXX XXXX Loans, XXXX XXXX, 2015. An modification offer was received from XXXX XXXX XXXX, 2015. The documents were signed and returned to XXXX as requested. The loan was transferred to Select Portfolio Services ( SPS ) XXXX 2015. Select Portfolio says that they will not honor the agreement because it was not signed. XXXX says they received the signed documents but did not have time to process and execute because the loan had to be turned over to SPS. Select Portfolio Services now has the loan in default and says it has to be cured by XXXX XXXX, 2015 or foreclosure proceedings will begin. We do not have {$4500.00} that they are requesting to stop the foreclosure action.. We have made on time monthly payments as per the agreement signed with XXXX. All we are asking is that SPS honor the agreement from XXXX XXXX Loans. Select Portfolio says they need to get a copy of the signed agreement from XXXX. We want to save our home. Please help!