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

I am writing to dispute several accounts on my credit report that resulted from identity theft. These accounts do not belong to me and I am the one disputing these fraudulent information. I have already informed the companies involved about the fraudulent activity. Furthermore, I have filed a report with the Federal Trade Commission ( FTC ) regarding this identity theft. 

I request that you conduct a investigation into these accounts and promptly remove them from my credit report. Please inform me if you require any additional information or documentation from me to facilitate this process. 

These are the fraudulent accounts on my report 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
Product: Debt collection

I reached out to this company because I saw their name was listed on credit report and I wanted to try to rectify this instead of taking Bankruptcy. Upon calling Absolute Resolutions, I realized and was informed that another company is managing the debt and they are simply recording the information to my credit bureau. They stated that XXXX  XXXX  at XXXX is managing this, but I have never received any communication from XXXX  XXXX  or from Absolute Resolutions in reference to this debt. In an attempt to try to settle the debt for {$1000.00} XXXX XXXX stated that Absolute Resolutions would not accept this offer. This is highly confusing to me. I never received anything that stated anything about this debt. I never got informed who to contact or call. Even when I spoke with XXXX XXXX, they did not even know my mailing address and throught I still lived in XXXX XXXX, FL, which I have not lived in for over 5 years. 

I really wish to settle, close, and have this collection removed from my credit report. If Absolute Resolutions has done something illegal in this endeavor, they need to zero out the account and remove this from my credit report immediately/ The offer is valid for {$1000.00} and I will not offer a XXXX more. Absolute Resolutions must handle this debt and a 3rd party of a 3rd party is not going to be acceptable to me.
Product: Mortgage

I fell behind in my mortgage payments starting in XXXX XXXX Household members which were helping pay for stuff where unable to get jobs due to covid. I was living on a strict budget & when this happened & EVERYTHING started to cost more, I fell further behind on everything. I applied for mortgage relief thru my servicing company Loancare. Since then I have had to apply twice & now looking towards the third time. Each time I have contacted them I was told I was missing paperwork. I immediately sent what was needed. XXXX weeks would go by & told again missing paperwork. I faxed, physically sent & emailed what was needed every time. After the first 2 months of going back & forth with Loancare I was told I was using the wrong email address- I was using the one that was PRINTED on the letter directly from them. XXXX mnths latter & still missing paperwork & paperwork unacceptable for various stupid reasons. From what Ive been reading from others this is the common practice with Loancare. Plus every time you call Loancare you have to speak to someone different all though I received a letter stating that a certain person was handling my account-they would never return my calls. When you call Loancare & finally get the Loss Mitigation department all you get is scripted responses for every complaint even thru their supposedly Supervisors.
Product: Credit reporting or other personal consumer reports

I've disputed my Bankruptcy XXXX Transunion claimed it was Verified by the Courthouse. How? Seeing as the Courthouse doesn't supply this Information ( See Attached Letter ). There is no way possible that you verified this when XXXX & the courthouse confirmed that's inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

As per the Fair Credit Reporting Act, all items older than 7 years and the bell for the seven years to start rings from the date of the first delinquency. 
A recent careful review of my credit report reviewed my credit report revealed this has not been done. There is old item on my report that I demand you remove at once in order to comply with the FCC. 

Bankruptcy : Discharged CHXXXX - XXXX Type : Chapter XXXX Bankruptcy Status : Discharged Date  Filed/Reported : XX/XX/2013 Reference No. : XXXX
Product: Mortgage

I have a mortgage that was sold to Caliber Home Loans last fall. I pay into an escrow account to cover property taxes and insurance. In XXXX XXXX I sent Caliber a copy of a property tax bill that I received from XXXX XXXX, VA, as instructed by Caliber. In XXXX of XXXX I received a delinquent notice from XXXX XXXX. I called the Tax Department at Caliber, giving them the pertinent information and was promised that the bill would be paid. On XXXX XXXX I received a second delinquent notice from XXXX XXXX, with penalties added to the amount owed. I called Caliber on XXXX XXXX and again was promised that the bill would be paid, but remain skeptical. As of today, I have an escrow account balance of {$3500.00} and the tax bill is for {$1900.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this request for the following reasons : 1. I have not received a response regarding the incorrect information on my credit report from the credit reporting agencies in many, many months ...

2. There are late payments on my credit report but I was never late on these accounts 3. There is incorrect or old information on my credit report that should not be there ...

I have properly notified Experian, XXXX  and XXXX  regarding these issues multiple times, however, the incorrect information is still showing up and I don't know what else to do at this point. I am not receiving any information ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed my XXXX  account in XXXX and have tried disputing it 3 times with Experian. Unfortunately theyre not removing the XXXX  account. Instead they removed my current credit card by XXXX XXXX, XXXX.
Product: Debt collection

I am the consumer that extended the credit according to XXXX XXXX XXXX. Carrington Mortgage has failed to verify or validate the alleged debt owed upon my request. Carrington is also a third party company that received my personal information without authorized consent and has committed fraud and Identity theft. Initial discovery of this information was XX/XX/2021. The original alleged mortgage amount is {$70000.00}. The approximate alleged amount owed is {$31000.00}.
Product: Money transfer, virtual currency, or money service

XXXX of 2024 I had a total amount of {$7200.00} saved onto my cashapp upon me waiting to receive another deposit I discovered that my account was XXXX ( locked ) I reported the incident to customer support ( not a live agent ) and wasnt able to get a clear explanation beside them saying I account suspicious, the following day my account was deleted and never was able to retrieve my funds til this day. I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). 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, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$31000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$31000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$31000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$31000.00XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$31000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$31000.00} 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 of 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

On XX/XX/2023, I mailed a letter certified asking the credit bureau to delete all inaccurate personal information reporting on my report. I called each of them and was advised that they would update information and inaccurate information would be removed. I received a copy of my credit report, and, to my surprise, you are reporting a lot of incorrect information. You have several incorrect personal identifiers listed in my credit file and I am requesting that you remove any information that is not completely accurate. I am seriously concerned that the information that you are incorrectly reporting may send personal mail to the wrong address and jeopardize my identity or lead to fraud if it has not already. However, the inaccurate information is still reporting. I have sent out yet another letter with verifying information to XXXX, XXXX, and Experian to be updated immediately. Tracking number of letter XXXX, XXXX, XXXX. There should not be any aliases, unknown names, inaccurate addresses, nor inaccurate employment. In accordance with the Fair Credit Reporting act. 

The List of inaccurate names addresses, and employment attached in attachment has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 The credit Bureaus are still ignoring my request.
Product: Credit card or prepaid card

i had several, around 12, credit cards to different businesses which were serviced through synchrony. every card had a XXXX balance but two of them. never had a late payment or over the limit ever. i recently received credit increases on all these accounts then synchrony closed them ALL. Over {$30000.00} in credit availability and it destroyed my credit. i did nothing wrong and they closed everything i had with them. THERE WAS NEVER ONCE A LATE PAYMENT, OVER THE LIMIT, ANYTHING NEGATIVE ON MY END TO GIVE THEM A REASON TO CLOSE EVERY ACCT WITH THEM. THIS HAS MADE MY CREDIT SCORE GO FROM XXXX TO XXXX AND I DID NOTHING. I CA N'T SEE HOW IT IS LEGAL FOR THEM TO DO THIS!!!
Product: Debt collection

CONVERGENT OUTSOURCING AGENCY PLACED A COLLECTION ON MY XXXX AND XXXX REPORT REGARDING A XXXX ACCOUNT ON XX/XX/XXXX. THEY PLACED THIS ON THE CREDIT REPORT ON OR AROUND XX/XX/XXXX. MY SCORE ONCE AGAIN HAS BEEN LOWERED. I SPOKE TO THIS COLLECTION AGENCY AND FOUND OUT THAT THEY DID NOT HAVE ANYTHING IN THEIR SYSTEM. THEN AFTER A BIT ON THE PHONE THEY SAID XXXX RECALLED THIS ISSUE ON XX/XX/XXXX. THE COLLECTION AGENCY PROCEEDED TO PLACE THIS ON MY CREDIT ANYWAY. I CONTACTED XXXX IN PENNSYLVANIA REGARDING THIS ISSUE AND THE AGENT STATED THAT THERE WAS NO NEGATIVE ACCOUNTS IN THE SYSTEM ON ME. THIS IS GETTING A LITTLE OUT OF HAND WITH THESE COLLECTION AGENCIES. THIS COMPANY HAD A ACCOUNT ON FILE WITH XXXX THAT I TOOK CARE OF PRIOR TO BEING PLACED ON MY CREDIT. i STILL HAVE N'T RECEIVED MY CLOSED ACCOUNT LETTER. IM ALSO NERVOUS THAT THIS AGENCY WILL TRY SOMETHING IN THE FUTURE WITH MY REPORT REGARDING THIS ACCOUNT. I ALSO FILED A DISPUTE WITH THE CREDIT BUREAUS AS WELL. i WAS IN THE PROCESS OF BUYING A HOUSE AND THIS WAS NOT A GOOD THING FOR ME.
Product: Checking or savings account

I closed my chime accounts on XX/XX/XXXX and was told I would receive a refund check within 30 days, now I'm being told they mailed a check on the XXXX, I still haven't received the check 17 days later which makes no sense I should have received mail anywhere in the US within a week. Now the manager I just spoke with said I won't receive the check until the XXXX of XXXX roughly XXXX  days after closing my account and being told XXXX  days. I can't buy food or gas, I have no money at all and I'm suffering and desperate. I'm trying to get a new job but have no money for transportation to get there and I have no food either. I'm to the point I would like to sue them for suffering and hardship. The XXXX at chime I spoke with today XX/XX/XXXX was no help and after he said my account was closed on the XXXX and I said no it was closed on the XXXX the XXXX talked over me and hung up
Product: Credit card or prepaid card

I made my payment of {$100.00} for XXXX, which they received on XX/XX/XXXX, but it still shows that I have a minimum payment due by XX/XX/XXXX. They have manipulated the payment window so that I do not have a full 30 days to make a payment and they are taking my XXXX payment and applying to XXXX 's bill. So now I am supposed to make another payment in the same month for XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with the credit bureaus about late payments with XXXX XXXX XXXX and I was told by the creditors to submit a letter of explanation which I did long story short on the pay amount late it shows {$0.00} but on the pay status late payments appear so Im trying to get an understanding of how is one right but the other is incorrect but they basically states the same thing
Product: Payday loan, title loan, or personal loan

I received {$300.00} loan on XXXX XXXX. 
Made payments of {$90.00} each on XX/XX/XXXX, XX/XX/XXXX, and XXXX, XXXX  XXXXand XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX, XX/XX/XXXX, then on XX/XX/XXXX I paid {$300.00} to pay loan in full and they continue to take out {$27.00} on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX XXXX, and XX/XX/2019. I have emailed them twice to stop MY ACH AUTHORIZATION and the continue to take money out.
Product: Debt collection

I sent debt verification letter on XXXX Certified Mail and I did not receive a response. This is my second attempt to contact and verify this debt, and both times have been ignored.
Product: Credit reporting or other personal consumer reports

Re : Complaint Regarding XXXX Data Breach and Violation of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am filing this formal complaint against XXXX XXXX XXXX regarding its failure to protect consumer data, resulting in the massive 2017 data breach, which exposed sensitive personal information, including names, Social Security numbers, birth dates, addresses, and in some cases, drivers license numbers. Despite the passage of time, XXXX continues to mishandle consumer data and fails to provide sufficient remedies to affected individuals like myself. 
Facts of the Complaint Exposure of Personal Data : As a result of the XXXX breach, my personal information was exposed to unauthorized third parties without my consent. 
Failure to Notify in a Timely Manner : XXXX failed to notify affected consumers, including myself, in a timely and transparent manner, violating legal standards under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
Inadequate Remediation : The remedies offered, such as free credit monitoring, are insufficient to mitigate the long-term risks of identity theft and fraud. 
Failure to Maintain Reasonable Security Practices : XXXX violated the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 ( b ), which requires financial institutions to protect the security and confidentiality of customer data.

Ongoing Harm : Despite corrective measures, I have experienced fraudulent activity and credit issues as a direct consequence of the breach.

Legal Violations Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 


1681b : XXXX failed to properly restrict access to consumer information. 
1681e : XXXX failed to implement adequate procedures to ensure consumer file accuracy and security. 
Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 et seq. 


6801 ( b ) : XXXX failed to implement safeguards to ensure the security of sensitive consumer data. 
Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 et seq. 


5531 ( a ) : XXXX engaged in unfair, deceptive, and abusive acts or practices ( UDAAPs ) by failing to disclose the breach promptly and misleading consumers about their security measures. 
Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ) XXXX engaged in unfair and deceptive trade practices by failing to protect consumer data and not adequately notifying affected consumers.
Product: Debt collection

I the consumer have contacted SANTANDER CONSUMER USA several times in regards to violations to my consumer reports requesting validation of listed account on consumer reports. I have yet to receive a response in regard to listed account. I have attached copies of letters sent requesting validation. Account does not belong to consumer.
Product: Credit reporting or other personal consumer reports

Despite numerous efforts to rectify the existence of fraudulent, erroneous, and deceptive data on my consumer report, the matter remains unresolved. The presence of these entries has greatly affected my life, leading to considerable stress and XXXX I neither approved nor agreed to link this information to my identity, as I have been a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX FIN XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Check n go is inaccurately reporting late when i was able to refinance on a loan!
Product: Credit reporting or other personal consumer reports

I sent disputes on XX/XX/XXXX, XX/XX/XXXX, and today XX/XX/XXXX to equifax XXXX and XXXX They have no fixed any of the errors on my report. There are multiple errors with each account and need to be deleted. Most of the creditors have no even entered a notice of dispute. They havent touched the accounts. I want an actual investigation into accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a public record investigation request to LexisNexis XX/XX/2019. As of today I have not received a response. LexisNexis is in clear violation of the FCRA in that they have exceeded the 30 days allocated to them to respond per FCRA
Product: Debt collection

XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX MA XXXX has placed a collection in the amount of {$210.00} on my credit report with XXXX. The original creditor is XXXX XXXX. This is a result of Identity Theft. I filed a complaint and police report with the XXXX XXXX XXXX County Police Department regarding identity theft. I filed Identity Theft Report # XXXX and Report # XXXX with Investigator XXXX in XXXX and XXXX. I have not received mail or correspondence from XXXX XXXX XXXX or XXXX XXXX regarding debt in the amount of {$210.00}. However I am regularly contacted by odd telephone numbers throughout the day from a company that refuses to identify themselves unless I provide my date of birth and other personal identifying information. I am a victim of identity theft and will not provide that type of information by phone. I have attempted to resolve this issue with XXXX XXXX XXXX   however they are claiming that they can't identify this collection. There is no account number listed with this collection on my credit report and I have not received mail or correspondence from XXXX XXXX XXXX   Please remove this collection item because its a result of identity theft and fraud. According to the alerts on my credit report this company has added a new address to my credit report. Please remove the address that you included on my reports because it is also a result of fraud. I filed a complaint and police report with the XXXX XXXX XXXX County Police Department regarding identity theft.