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

This is my multiple requests that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXXXXXX Balance : {$5600.00} XXXXXXXX XXXX XXXXXXXX Balance : {$5500.00} XXXX XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX Balance : {$1300.00XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XX/XX/2017 XXXX XXXX XXXX # XXXX XXXX, CA XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

these accounts in the amount of XXXX and XXXX needs to be deleted because of they couldn't provide me with a hipaa transcript and my hippa rights was violated.
Product: Mortgage

I had hail damage to my house ( primarily the roof ). The insurance company made the check out to me and my mortgage company, Provident Funding. Provident funding asked me to endorse and send the check to them, but they would not provide me in writing the procedure and terms to get the funds released. I am wary to give them the funds unless I have the release procedures in writing.
Product: Credit reporting or other personal consumer reports

I have received the credit report ( XXXX ), which has same content. And I have already asked to extend my fraud alert for 7 years and opt-out by the recommendation from XXXX, most likely, itself by the postcard. Therefore, I do not wish to receive same content with different report number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried on numerous occasions to get inaccurate information corrected on my credit report, but I can not get Experian to conduct an investigation. They have sent me on the runaround back and forth to the creditor who tells me to dispute it with the credit bureau. My most recent attempt was a letter on XX/XX/XXXX. Experian violated the FCRA by failing to conduct a proper investigation, failing to provide their procedures and continuing to report inaccurate information after being notified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paper work credit check from XXXX XXXX, and experian saying I have a bankruptcy on my account, I need this credit company experian to fix this problem that I have bankruptcy, which I dont, this needs to be fix asap, I have proof of paperwork with me. I will be getting in touch with my attorney on this matter. How credit company sends out wrong information like this.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA XXXX ( 15 U.S. C. 1681 c-2 ), that Experian, XXXX and XXXX XXXX XXXX appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report : XXXX account number XXXXXXXX XXXX account number XXXX. The following hard inquiries are fraudulent and need to be removed from my credit report : RESIDENT VERIFY, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These fraudulent accounts, and inquiries have resulted in significant damage to my consumer credit report, as they were not opened, made, or initiated by me. All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the result of identity theft and fraud.
Product: Checking or savings account

I, XXXX XXXX has never had a checking account with XXXX. The account in question was opened in my name XX/XX/2017, opened for one month then closed reason unknown.
Product: Credit reporting or other personal consumer reports

I am writing to formally address the closure of my account, which I understand was closed due to the discharge of my debt. While I appreciate the resolution of this matter, I find it necessary to express my discomfort regarding the impact this has on my credit report and overall financial standing. 

It is imperative that this account be removed from my credit report immediately. The presence of this closure is causing unnecessary complications in my financial affairs, and I believe it is in both of our best interests to resolve this promptly. 

Additionally, it has been reported as a [ WRITE OFF ] and I have yet to receive my IRS Form XXXX concerning the XXXX debt. This document is crucial for my tax records and to ensure compliance with the IRS regulations. I kindly request that you provide this form at your earliest convenience. 

Thank you for your attention to these matters. I look forward to your prompt response and resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax, and XXXX failed to properly investigate an inquiry about whether or not a debt is valid. I have supporting documentation that shows my account number with XXXX XXXX XXXX is in fact not reporting correctly. I have enclosed my first and last account statements from XXXX XXXX XXXX that show a different account number than what is being reported to my credit reports from XXXX, Equifax, and XXXX. The proper account number according to my monthly statements from XXXX begins with a XXXX instead of a XXXX. I attempted to get XXXX to verify this debt, however they replied to you all on XX/XX/XXXX, saying that they will not be verifying any debt ( I have also enclosed this letter that is reflecting the wrong account number beginning with a XXXX  ) I have also enclosed my complete credit reports from XX/XX/XXXX, along with screen shots of the entry from XXXX XXXX XXXX, which reflect my account number beginning with a XXXX. According to the FCRA Section 611 the reporting agencies were supposed to hold a reasonable investigation of my report, and they clearly did even verify the accuracy of the debt because all 3 credit bureaus are reporting the wrong account number. It is their responsibility to completely delete XXXX XXXX XXXX off of my credit report because the account is not and never was reporting accurately. It is my right to have information reported accurately and in a timely manner. This brings me to my second issue. On XX/XX/XXXX, I made an agreement to pay off the debt with the 3rd party debt collector for XXXX XXXX XXXX , XXXX XXXX XXXX, and payment was made. I have attached the settlement letter ( which includes an account number beginning in 9 ), along with my bank statement reflecting the {$2600.00} coming out of my bank account. According to my updated XXXX credit report from XX/XX/XXXX, my credit report does not reflect the account is settled. It only reflects the payment in the amount of {$2600.00}. My credit report is currently showing a balance owed of {$6200.00}. Today, XX/XX/XXXX, I called XXXX XXXX XXXX to confirm that the debt was in fact completely settled, and they did confirm this fact to me. It is my right as a consumer in the United States of America to have information reported correctly on my credit report, and the fact that it is not, is severely effecting my ability to obtain credit. At the very least, the balances should be {$0.00}. According to the law, my report should be accurate, or be deleted. The correct account number on my credit report is not even being reported correctly. This is gross negligence by XXXX, Equifax, and XXXX, who have claimed the " verify the debt '', I demand that this be corrected immediately. The XXXX XXXX XXXX entry on my credit report should be deleted from all 3 of my credit reports with haste.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the fair credit reporting act XXXX XXXX  XXXX account name XXXX  XXXX XXXX ( account # XXXX account name XXXX XXXX  ) ( Account # XXXX account name XXXX XXXX XXXX  ) ( Account name XXXX XXXX  account # XXXX ) account name XXXX account # XXXX 15 U.S.C 1681 section 602 A state I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 it alsos state a consumer reporting agency can not fumish a account without my written instructions
Product: Checking or savings account

TD BANK FROZE MY CHECKING AND SAVINGS ACCOUNT AND KEPT MY CREDIT CARD OPEN. THEY DIDNT ALERT ME ABOUT TRANSACTIONS UNTIL AFTER FRAUDULENT CHECKS WERE RETURNED. ON XXXX XXXX TD BANK FROZE MY ACCOUNT AFTER I HAD OPENED A REPLACEMENT ACCOUNT DUE TO FRAUDULENT ACTIVITY I HAVE NEVER MADE ANY MOBILE DEPOSITS TO MY ACCOUNT. THERE WERE 2 XXXX  CHECKS DEPOSITED THRU MOBILE DEPOSITS SO THEY FROZE MY ACCOUNT AND LEFT ME NOT ABLE TO PAY BILLS. THIS CAUSED A GREAT DEAL OF HARDSHIPS FOR ME. THEY BEEN TELLING ME THAT THEY ARE CLOSING MY ACCOUNT SO THE XXXX OF TD BANK IN XXXX FILED FORMS SO HE CAN RETURN FUNDS TO ME BUT THE BANK WAS NOT RESPONDING TO HIM AND IM STILL WAITING TO RECIEVE MY FUNDS FROM THE BANK. SO IM NOT ABLE TO PAY RENT OR CAR INSURANCE OR EVEN TAKE CARE OF MY CHILDREN BECAUSE OF THIS AND I FEEL TDBank HAS DEFENITELY VIOLATED CONSUMER LAWS BY NOT GIVING ME BACK FUNDS THAT I HAD KEPT IN THEIR BANK.
Product: Mortgage

I have just been issued an order to leave my property in  two  weeks to  ten  days.   XXXX   XXXX   XXXX     dropped my loan in   XXXX   XXXX   XXXX     without cause. I continued to pay my mortgage once they found the account in  XXXX . In    XXXX   XXXX   XXXX  ,  they refused to account my payments to the mortgage through   XXXX   XXXX   XXXX  . By    XXXX   XXXX   XXXX   ,   XXXX   XXXX   XXXX    r emoved for a new mortgage lender NationStar that refused my information ( personal and property ) for not being conducive to what   XXXX   XXXX   XXXX    h ad sent them in the sale. I have been under ID Fraud and  Credit Fraud s ince    XXXX   XXXX   XXXX    ( documented and proven at     XXXX   XXXX   major credit reporting agencies on background and credit and account fraud affects ... starting with my primary bank account at  XXXX   XXXX  ). Nationstar was adding to this problem. I have an HOA that tried to move a Foreclosure in    XXXX   XXXX   XXXX   for l ess than  XXXX  owed.  Nationstar  tried to collect back debt for   XXXX   XXXX   XXXX     and    XXXX   XXXX   XXXX    d enied that they were.  Nationstar  moved a Foreclosure for   XXXX   XXXX   XXXX   ,  was removed and moved another one on their own against myself and the HOA.  The County  Commissioner finally held a sale and put my house under    XXXX   XXXX   , no one has room for recovery under ID Fraud and Theft, including   XXXX   XXXX   denied me Unemployment last year as  a    XXXX    XXXX   XXXX   XXXX   XXXX   that worked mainly out of state in  XXXX  ( also remotely ) in  XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX American Honda Finance, has violated my rights. 
15 USC 1681 Section 604 A Section2 : it also states a consumer reporting agency can't furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose, unless the creditor has spotted reasonable procedures designed to ensure that each periodic statement including the information required by Section 1637B.

This account was reported incorrectly four times on my credit report. I have sent a letter requesting the remove, but the company only updated the payment status.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts and inquiries listed below are fraudulent. These are unautherized I did not contact any of these creditors, nor do I have possession of any of the things belonging to these accounts and inquiries. Please remove these accounts and inquiries. I was told to fill out this FTC document that is attached to this complaint. I have also attached my ideninfication to this complaint, to help ideninfy me. Please remove these accounts and inquiries below as they are fraudulent and someone has stolen my identity. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/2020 XXXX
Product: Debt collection

Disputed account on XXXX of XX/XX/2021. Contacted the original creditor and they confirmed {$0.00} balance. Spoke with representatives around the XXXX of XXXX. They hung up on me numerous of times when tried to explain that I do not owe on account. I did not receive any written notice nor have I spoke with anyone before reflecting on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  IS ACCOUNTS ON MY CREDIT REPORT THAT I DID NOT AUTHORIZE PLEASE REMOVE THEM OFF.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash app due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act. Specifically Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore this dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act and Regulation XXXX These actions have caused significant inconvenience and financial loss, I seek appropriate redress for these violations.
Product: Payday loan, title loan, or personal loan

Original loan was XXXX, this loan is to old to be showing on my report as date of loan was XX/XX/2014, due to length loan has been on report and fact the company has transferred this account to another credit reporting company. The original date of loan is now showing current date. This isnt the original creditor so the information is being reported as delinquent when in fact original debt should be removed from report and credit reporting agency is reporting fraudulent information to show negative remarks when in fact this account should be deleted
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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: Consumer Loan

I have obtained a Car Loan with American Credit Acceptance in XXXX have have paid on time over and above the minimum payment which is {$300.00}. The record will show I am paid up several months in advance in order to minimize the High Interest Rate. 
However, to no avail, most of the payment ALWAYS goes towards interest paying very little on the Principal. I tried to refinance for a better terms with Credit Unions, and Commercial Banks, and each time I request a payoff, I am quoted over the phone, exactly the outstanding balance on my statements, In other words, no discount for paying off ahead of time. 
Since XXXX XXXX, XXXX, I have requested a payoff and was promised that I will received the information by email. The New Lender called over and over, and was promised the same thing. Now the balance have increased from {$3600.00} since XXXX XXXX, to XXXX XXXX, XXXX to {$3600.00}. 
It appears over the last two years, American XXXX Acceptance does not want to have loan being paid off by another Lender, so they delay, delay, delay until I give up. 
I am XXXX XXXX XXXX and can not ward off imminent medical issues that comes with getting old, and all I want to do is pay off this loan
Product: Credit reporting, credit repair services, or other personal consumer reports

After learning of the recent security breach at Equifax I followed their link ( https : //www.equifaxsecurity2017.com/XXXX ) to find out that my data may have been compromised in the breach during the summer of 2017. I have not yet received any information from Equifax regarding my information potentially being stolen, but according to their website it is likely among the account information stolen. 

The complete lack of notification to me by Equifax is extremely upsetting when they are fully aware of the sheer scope of the problem and have determined that my information my have been compromised. Due to either gross negligence, or incompetence I will spend the rest of my life with a full security freeze on my accounts. This involves a large amount of time and money that I will have no choice but to spend to fix their egregious error. 

Even trying to resolve the problem through Equifax 's website resulted in a post dated enrollment in their TrustedID Premier service. The culpability of the security breach lies squarely on Equifax 's shoulders, and yet they have made it unnecessarily difficult to take further steps to prevent identity theft due to their errors. This state of affairs is completely unacceptable and swift action must be taken to avoid future incidents like this in the future.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XXXX
Product: Credit reporting or other personal consumer reports

A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or amend the following accounts : XXXX  XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX
Product: Debt collection

OnXX/XX/2024 I sent an email to TrueAccord requesting that all communications regarding my alleged debt be conducted via mail and not via email. Specifically, I asked for proof of the debt and verification of their authority to collect the debt in the state of South Carolina to be sent to the physical address they have on file. 

Despite my clear instructions, I received a response via email from TrueAccord onXX/XX/2024. This response ignored my request to cease email communication. 

On XX/XX/2024, I sent a second email reiterating my request under the Fair Debt Collection Practices Act ( FDCPA ), clearly stating that all future correspondence, including validation documentation, must be sent to my physical address. I emphasized that continued email communication would be a violation of the FDCPA. 

However, on XX/XX/2024, I received yet another email from TrueAccord. This third email again ignored my request and sought my consent to receive validation documentation via email. 

Over the course of three communications ( on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ), I explicitly requested TrueAccord to cease email communication and send all correspondence via mail. Despite these repeated requests, they have continued to email me, violating the FDCPA and disregarding my consumer rights. 

I am seeking assistance to ensure that TrueAccord complies with my request to communicate solely via mail and ceases their unlawful email communications immediately.
Product: Credit reporting or other personal consumer reports

Hello, I am XXXX. I have gone to XXXX XXXX XXXX XXXX ( XXXX ) for purchasing a car on finance. The said the will check for the auto loan in XXXX XXXX XXXX. Then the send queries to multiple lenders without informing me. Now it's showing 9 hard queries. 6 of them on the same date. This drastically reduced my credit score to on average 35-40 points in the credit buraus. I reached out to XXXX about this. They suggested me to contact here for complaint. It would be very helpful for me if these hard inquiries could be removed from the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

These is not my account. ( 2 ) accounts America First Credit Union is wrongly showing 2 charged off accounts on XXXX, XXXX and XXXX. 

Please remove
Product: Debt collection

Credence Resource Management has opened an account using my information to report misleading and inaccurate information on my credit report. I have never entered into any contract or signed any documents or made any agreement with this collections agency. They have no right to furnish any information on my credit report. I never gave them any permission. Also, I sent a debt validation letter to them and they have not sent a valid response. They should be shut down! They are taking advantage of XXXX VETERANS like myself. They are adding stress to my life and making it impossible for me to obtain credit. Please remove this account from all 3 credit bureaus, XXXX XXXX  and XXXX