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

XXXX IS REPORTING INCORRECT INFORMATION ON MY ACCOUNT WITH XXXX PERSONAL INFO IS INCORRECT, SHOWS SOMEONE ELSE SSN NUMBER AND ADDRESSES DO NOT BELONG TO ME. UNDER PUBLIC RECORDS SHOWING BANKRUPTCY THAT DOESNT BELONG TO ME, UNDER COLLECTIONS THERE ARE 3 ACCOUNTS THAT DOESNT BELONG TO ME, UNDER HARD INQUIRIES THERE ARE 22 INQUIRIES DOESNT BELONG TO ME, UNDER OPEN ACCOUNTS THERE ARE 3 OPEN ACCTS AND 4 CLOSED ACCTS NOT MINE AND UNDER OTHER ACCOUNTS 1 ACCOUNT DONT BELONG TO ME. ENTIRE DOESNT BELONG TO ME. I CALLED XXXX AND SENT PROOF OF DOCUMENTS SHOW PRINT OUT OF MY ENTIRE XXXX CREDIT REPORT, SSN CARD AND ID CARD. CALLED 5 TIMES TO GET THIS RESOLVED, WAS TOLD IT WILL BE ESCALATED TO ANOTHER DEPT AND STILL NOTHING TO THIS DAY AND ITS STILL SAME ON MY ACCOUNT NO CHANGES. XXXX SAID THEY WOULD DELETE INFO IF I SENT MY DOCUMENTS IN VIA FAX AND STILL NOTHING. HERE ARE MY DATES- CHECKED MY REPORT XX/XX/XXXX MY INFO WAS NORMAL PULLED REPORT NEW REPORT/NEW UPDATE HIT ON XX/XX/XXXX SOMEONE INFO WAS REPORTING ON XX/XX/XXXX CALLED XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX FAXED DOCUMENTS XX/XX/XXXX
Product: Credit reporting

XXXX PA XXXX EQUIFAX XXXX, GA XXXX XXXX CREDIT FILE : XX/XX/XXXX Notice of intent to file Complaint To Whom It May Concern : I have been in contact with the Equifax since XX/XX/XXXX, This letter to formally inform you that I have filed complaints against you municipal court of XXXX. 
I have sent you a copy of my creditor that these files have to be removed. 
Items 1. XXXX # XXXX 2. XXXX # XXXX 3. XXXX # XXXX Has been reported in XX/XX/XXXX and XX/XX/XXXX 1. Under the state of Massachusetts law, the duration of the item remaining on credit report is 5 years. Today is XX/XX/XXXX, way past 5 years. 
My current state of PA is 4 years. 
2. Under Massachusetts law, the credit reporting agency must verify and have letter of verification see the attachments from MASS.GOV in the attachments 3. I also submitted a letter from the department of education that you did not verify the debt. 

Failure to comply with these state and federal regulations by credit reporting agencies is a violation of the law. ( see 15 USC 41, et seg. ) My question to you how you verified these accounts belongs to me. If you fail to send me the verification of original information from these agencies you must delete it from my account immediately. 
Please provide me a complete copy of all of the information that was transmitted to the data furnished as part of the investigation, as required by FCRA : whom did you speak with? What was the date? How long was the conversation? What is the position of your employee that spoke to the creditor? I have clearly asked to respond with 15days. Please see the attach document from the department of education, that asking you to delete the disputed items. Please read the letter from the department of education and delete the disputed items Any further delay in inexcusable Sincerely XXXX
Product: Debt collection

I had a baby at XXXX in XXXX, CO, in XX/XX/2015 and XXXX. The XXXX helped me arrange for XXXX to cover the labor and delivery, but the doctors requested that the baby stay in the hospital an extra day before leaving with the XXXX. XXXX did not agree to pay for that extra day. The XXXX and I tried to work with the hospital and XXXX, but the bill is still unpaid, and now a collection agency hired by XXXX ( Global Receivables Solutions Inc. ) is hounding me, ruining my credit and threatening to garnish my ( very low ) wages. The outstanding charge is {$2900.00} and there is no way I can pay that. The collection agency sent someone to my workplace threatening legal action against me.
Product: Student loan

I have multiple loans that were reported delinquent by Nelnet, past the 120-day mark, while I was still meeting all enrollment requirements to defer my payments. This has left my credit severely damaged. I have proof from my University that I was enrolled during the alleged delinquency, and have submitted dozens of requests for review of my dispute. Nelnet only accepts disputes via fax, which is an absurd limit on the capabilities of communication for something so serious. It took them months to finally reply, only to reject my dispute with very vague reasoning. 

My credit has been majorly impacted for these delinquencies that should never have been triggered in the first place. These reports need to be removed from my credit score.
Product: Credit reporting or other personal consumer reports

You reinserted several accounts that have already been removed from my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  You are in violation of more than one law. There is both incomplete/missing and inaccurate information in regards to all of these accounts. That's violation number 1. You did not notify me in any way of these accounts being reinserted within 5 days as stated by law. That's violation number 2. You did not provide me with a description of the procedure used to determine the COMPLETENESS and ACCURACY of the accounts you reinserted, that's violation number 3. You are also liable for damages up to {$1000.00} per violation under this same code. There are multiple violations on these accounts. I have attached screenshots of the reinserted accounts. I always have the documentation pf when these accounts were removed. Please enclose a {$1000.00} check per violation and remove these accounts before receiving notice of impending litigation. According to 15 USC 1681 ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. ( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than XXXX business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information. Remove this account from my credit report immediately and enclosed {$1000.00} check per violation.
Product: Credit reporting or other personal consumer reports

These inquiries are all fraudulent from XXXX credit report. Please remove. 

XXXX XXXX ( XXXX XXXX XXXX, XXXX, PA XXXX, ( XXXX ) XXXX ) Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, PA XXXX, ( XXXX ) XXXX ) Requested On : XX/XX/XXXX XXXX ( XXXX XXXX XXXX, XXXX, WI XXXX, ( XXXX ) XXXX ) Requested On : XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, DE XXXX, ( XXXX ) XXXX ) Requested On : XX/XX/XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, PA XXXX, ( XXXX ) XXXX ) Requested On : XX/XX/XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, MN XXXX, ( XXXX ) XXXX ) Requested On : XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, DE XXXX, ( XXXX ) XXXX ) Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX ( XXXX XXXX XXXX, XXXX, PA XXXX, ( XXXX ) XXXX ) Requested On : XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, PA XXXX, ( XXXX ) XXXX ) Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX ( XXXX XXXX XXXXXXXX, XXXX, VA XXXX, ( XXXX ) XXXX ) Requested On : XX/XX/XXXX
Product: Debt or credit management

I remember signing up for Lexington law I believe it was like {$200.00} deducted from my account, but there was no results at all. I ended up canceling the membership.
Product: Debt collection

Victim Statement : Identity Theft and Request for Legal Action On XX/XX/XXXX, I became a victim of identity theft. The perpetrator made multiple unauthorized charges in my name, including fraudulent transactions on XXXX and Affirm. While the charges on XXXX were successfully resolved, I only became aware of the fraudulent activity on Affirm today, XX/XX/XXXX. 

The individual responsible contacted me using an XXXX, leading me to believe they used their personal phone number ( XXXX ). They then created an Affirm account under my identity and used it to make a purchase on XXXX. The fraudulent Affirm account is associated with the email address XXXX. 

I am requesting Affirms full cooperation to : XXXX. Assist law enforcement in identifying the individual responsible for this fraud. 
XXXX. Provide detailed records of the fraudulent account creation and transaction history to aid in the investigation. 
XXXX. Remove all fraudulent charges from my name and account. 

I would like to press charges against the individual responsible for identity theft and fraud and emotional and mental distress. I ask for your support in bringing this person to justice and ensuring this does not happen to others. 

Please let me know if you require additional information or documentation to proceed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its now over 60 days and no sign of investigation on XXXX XXXX Accounts are unknown and not reporting correctly, no information given as well.
Product: Mortgage

I was approved for a trial modification under the XXXX XXXX guideline, I was offered the standard modification XX/XX/XXXX. XX/XX/XXXX I ordered an appraisal and a letter was overnighted to Bank of America as servicer. I wanted to know why I was offered a 6.125 % when the XXXX XXXX as investor /owner offers 4 %. XXXX XXXX XXXX to Market LTV guideline indicates the interest rate is determined by the value divided by the outstanding balance. My numbers are $ XXXX {$190000.00} is XXXX. Anything above XXXX % then the rate is supposed to be higher. Every little bit counts at this point I have a lot of catching up to do financially. To date, my inquiry is unaddressed. I have put in calls to my Bank of America contact XXXX XXXX and no response. Since my loan was formerly in foreclosure I am only allowed XXXX point of contact that does not return calls or letters. Time is very limited as the official loan modification was to sent XX/XX/XXXX. Instead, I had sent an appeal with the original letter and appraisal. 
I would like Bank of America to return my call to discuss as I really do want a loan modification.
Product: Debt collection

XX/XX/XXXX {$3600.00} Source receivable management XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX REFERENCE NUMBER : XXXX I found collection account on my credit report that I did not owe. 
So I contacted the company who reported for detail information but they told me they can't provide any information but total amount and it was for XXXX XXXX bill back to XXXX. 
I called XXXX XXXX to get more information but they give me the collection agency number which is I have it already. 
I never received any bill or any information for {$3600.00} invoice and I paid off my final bill for XXXX XXXX account which was {$250.00} I never paid late or skip the payment either. 

I'm searching for buying my first home and because of this issue I can't get a mortgage financing. 

Please help me out to address this issue. 

Thank you.
Product: Credit reporting or other personal consumer reports

These are the accounts that I have marked as inaccurateXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

CFPB, On XX/XX/2023 I, XXXX XXXX XXXX protected consumer applied for an American Express XXXX XXXX and Was Denied Access To My Consumer Credit. In Accordance To The Equal Credit Opportunity Act this Is considered Discrimination and Securities Fraud. I will be Attaching supporting documents to support my claim.
Product: Credit reporting or other personal consumer reports

[ XXXX A XXXX ] [ XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga, XXXX ] [ XXXX ] [ XXXX ] [ XXXX ] Customer Service Department SELF INC. 
[ XXXX XXXX XXXX XXXX XXXX ] [ XXXX, TX, XXXX ] Subject : Formal Complaint Regarding Lack of Transparency and Accountability in Trade Line Termination Dear SELF INC. Customer Service, I am writing to formally express my concerns regarding the abrupt termination of my trade line with SELF INC. and the apparent lack of transparency and accountability associated with this decision. My account has been a vital part of my financial management, and the way this situation has unfolded raises significant concerns. 

On [ XXXX ], I submitted a payment that I believed would uphold the terms of our agreement. However, I was subsequently notified that my trade line had been terminated due to what was described as alleged adverse action taken against my account. This initial reasoning was unhelpful and vague, leading me to seek clarification. 

After the XXXXXXXX XXXX cutoff for results regarding my termination letter, I received an email stating that the basis for my accounts termination was due to my credit file not being found. This explanation raises significant concerns regarding your companys procedures and the reliability of information sourcing. The only plausible explanation for this situation is a failure on the part of XXXX, specifically regarding the management and maintenance of my credit file. 

To compound matters, I must highlight the further injury this situation has caused. Upon the initial reporting of my SELF INC. tradeline, my credit report, score, and overall standing were adversely affected, causing my rating to drop from good to fair. This significant impact on my credit profile was distressing. Therefore, the resulting termination of the trade line within a couple of months has the potential to further damage my credit report and standing. 

The lack of clear communication and factual grounds for my account 's termination is unacceptable. As a customer, I deserve to understand the precise reasons behind such critical decisions affecting my financial standing, particularly when they stem from potential errors or negligence from a third-party credit reporting agency. 

Therefore, I request a thorough review of my account termination. I urge you to provide me with a detailed explanation of the grounds for the termination of my trade line, including any documentation utilized in the decision-making process. Additionally, I seek clarification on how SELF INC. intends to address and rectify this situation, as it has a significant impact on my credit profile and financial well-being. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, [ XXXX XXXX XXXX ] [ XXXX ]
Product: Checking or savings account

Starting From XX/XX/2021 an unknown person has been siphoning money out of my bank account totaling the amount of {$21000.00}. I finally noticed my online banking had to be compromised XX/XX/2021 after spending a weekend in XXXX XXXX and noticing egregious charges from foreign vendors in countries Ive never even traveled. I then called my bank which is Bank of America and started a claim and closed my card on XX/XX/2021. I was told I would receive a new card and within XXXX business days receive my provisional credit.Instead what happened is no one from the bank followed up with me and on the XXXX business day XX/XX/XXXX they closed the claim to avoid giving me the provisional credit as promised. I thought they would be of assistance but they havent helped in the least.
Product: Debt collection

Stop communicating with me vis mail, you say your not harassing me. Continuously sending male is harassing me. Stop enough You seem to think i am someone you can push around with all your lawyer talk sorry nope. 
According to the Fair Debt Collections Act this communication is supposed to stop after the time barred debt. It has not even through mail that is a type of communication. This wad passed this year XX/XX/2019. 
As you can tell by this website I have tried to fix this numerous times, it continues.
Product: Credit reporting or other personal consumer reports

# 2 These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, XXXX XXXX XXXX XXXX - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 
# XXXX XXXX XXXX XXXX XXXX a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt
Product: Credit reporting or other personal consumer reports

XXXX XXXX : This account was disputed on XX/XX/ and XX/XX/. They have not investigated. Date opened is wrong. High balance is wrong. Account rating is wrong. Payment status is wrong. Date of last activity is wrong. Past due 30 days and 60 days is wrong. Date of last payment is wrong. They have no entered a notice of dispute. This account needs to be dealeted immediately. 

US DEPT ED - XXXX : This account was disputed on XX/XX/ and XX/XX/. Account type is wrong. Open date is wrong. There is no notice of dispute entered. Date of last activity is wrong. Equifax reports 40 90 day late payments. The other two bureaus report no late payments. Date of last payment is wrong. Updat account to NEVER late pays as Agreed. 

US DEPT ED - XXXX : This account was disputed on XX/XX/ and XX/XX/. Open date is wrong. Terms are wrong. There is no dispute notice entered. Date of last activity is wrong. Equifax reports 40 90 day late payments. The other two bureaus report no late payments. Date of last payment is wrong. Update account to NEVER late.
Product: Credit reporting or other personal consumer reports

I have requested for the credit bureau XXXX XXXX XXXX Genesis credit management to send legal written documents over showing how they validated the debt owed by the debt collector " Genesis credit management which they fail to do so. 





XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX SSN : XXXX To whom it may concern : This letter is in response to your recent claim that Genesis credit management has verified that the account they are reporting under my name is accurate. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your investigation. 
Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of documents provided bearing my signature, showing that I have a legally binding contractual to pay them the exact amount claimed. 
Any automated response or XXXX verification is unacceptable. I am requesting a re-investigation AND your Method of Verification.

Be aware that I am making a final Goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communication with you for the purpose of filing a complaint with the Consumer Financial protection bureau and the Attorney generals office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX, XXXX XXXX ) you may be liable for your willful non-compliance.

Failure to respond satisfactorily within 30 days of receipt of this letter may result in a small claims action against your company, seeking {$1000.00} per violation for 1. Genesis Credit Management My contact information is as follow : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX keeps adding a account to the credit reporting agencies after it has been removed several years back it was reported to this commission the consumer financial protection bureas and it was reported and removed from all 3 XXXX  and from XXXX  and from XXXX, I am utterly confused on how this company can manage to put this debt on here after it was removed from all 3 credit reporting agencies. Consumer finanace has record of this account and I am not sure why they keep allowing this account to go under collection status. This company attempted fraud and when I applied for a loan toook all the money out from my bank account without my permission. I think its time to lawyer up and see everyone in court, federal court or state court. 
ACCOUNT NUMBER XXXX HIGHEST BALANCE {$560.00} CREDITOR INFO XXXX XXXX. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX LAST REPORTED XX/XX/2020 ORIGINAL CREDITOR XXXX SPEEDY CASH RESPONSIBILITY Individual ACCOUNT DISPUTED No ACCOUNT CONDITION Derogatory REMARKS Placed for collection Inaccurate Info?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX, has violated my right. 

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. 

XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX  XXXX Account # XXXX
Product: Debt collection

Hello, I recently disputed this. I return the instrument back XXXX XXXX XXXX. Here is the recite paid in full
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXXXXXX is currently reporting late activity. This account was paid in XXXX 2016. As a result, I am exercising my rights under the FCRA. In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX 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. 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.