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

My loans have been discharged due to total and permanent XXXX status. I have inqured and requested when these will be removed from my credit report as it has been over 7 years and I am still getting the run around about it. As I am not able to obtain employment due to this and I don't qualify for federal or state government XXXX benefits. XXXX the reporting agency has also threatened to keep it on my report for an additional 10 years even though my account is closed and in good standing. I been back and forth with the creditor and dept of education XXXX and the reporting agency XXXX and have not came to an amicable resolution.
Product: Credit reporting or other personal consumer reports

Greetings! It appears that despite submitting an FTC report # XXXX, there are still ITEMS left that needed to be removed. Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : Experian XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date XXXX : XX/XX/XXXX XXXX Balance Owed : {$0.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items 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: Debt collection

On XX/XX/2021 I sent Midland a letter asking to validate debt, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, I received no response. 
On XX/XX/XXXX, XXXX I sent another letter I sent a follow up letter, regarding Fair Debt Collection Practices Act, 15 USC 1692g and also noticed the date on the account had been changed ( RE-AGED ). and I still have not received any response. But somehow the bureaus comments are updated that it meets FCRA requirements. 

On XX/XX/2021, regarding above mentioned items, and still have not received any response.
Product: Credit reporting or other personal consumer reports

I've disputed accounts from my Experian and XXXX credit reports. Several accounts have been removed and has reappeared on my credit reports. I am not able to file any disputes with transunion nor am I able to access my transunion credit report which is a violation. My disputes were improperly investigated and not verified. I am requesting the following accounts be removed from all three credit reports again as this has impacted my XXXX XXXX tremendously and are a violation of 15 USC 1681i ( a ) 30 day response time, 15 USC 1681i ( a ) 6 ( B ) 3 investigation protocols, and 15 USC 1681i ( a ) ( 5 ) B reinsertion protocols. 
XXXX XXXX XXXX XXXX - account number XXXX XXXX. XXXX - account number XXXX XXXX. XXXX XXXX XXXX XXXX  - account number XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  - account number XXXX 5. XXXX  XXXX - account number XXXX
Product: Checking or savings account

On Wednesday XX/XX/year> I woke up around XXXX am and checked my phone. I had a bunch of text messages from Cash App. The first alert showed someone unlinked my debit card from my Cash App account. The second notification showed they linked a debit card ending XXXX ( Not my card, not associated with this card ) Then they unlinked the card. I instantly logged into my cash app where they asked me to input my debit card information, since this person who got into my account unlinked it. I skipped it and went to my balance, and it was {$0.00}. They took everything I had in my cash App account. On XX/XX/XXXX at XXXX XXXX  my time they bought XXXX for {$890.00}. On XX/XX/XXXX at XXXX XXXX, they sold XXXX  for {$850.00}. On XX/XX/XXXX at XXXX XXXX  they transferred what I had in my cash app savings account in the amount of {$40.00} to my XXXX XXXX. On XX/XX/XXXX at XXXX XXXX they Withdrew {$890.00} and did an immediate transfer into their account called " XXXX XXXX XXXX. '' A bank I have never heard of, nor been associated with. 
I checked my email and was able to see these transactions were done On XXXX  the XXXX from XXXX XXXX XXXX  XXXX XXXX XXXX A completely different time zone than I am in. I immediately wrote cash app support disputing the transactions. I called support as well and they created a claim for me. The first lady didn't even provide me with a case number. They said it would take up to XXXX business days to hear a response and they would be emailing me with their decision. I got an email response XXXX business days later stating " Based on the information you provided, our investigation led us to determine these transactions were authorized by you or someone you authorized to use your credentials, and no error occurred. As a result, your claim has been denied and closed. It is clear as day, if they even dug halfway into my history with cashapp that these transactions were not " authorized by me '', I have no idea who got into my account or how. They stole {$900.00} dollars while i was XXXX, and cashapp did not do anything to help me out. FDIC insured my XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2019 I went on line to get my free annual credit report from EQUIFAX. tHE REQUEST WAS VERY DIFFICULT TO FILL OUT AND AFTER i WAS DONE THEY STATED THAT i HAD TO SEND THEM 2 i.d . 'S AND ALL SORTS OF OTHER THINGS. 2 weeks later I again tried this time ( 5 weeks ago ) over the telephone and I am still waiting on my free credit report
Product: Credit reporting

I reviewed my Transunion Credit Report and they are reporting a XXXX Auto Loan with late payments. I have contacted XXXX and they confirmed that I never missed a payment and that my account was always in good standing until the account was paid in full. Furthermore, this account is more than 7 years old ( XXXX XXXX, 2007 ).
Product: Credit reporting or other personal consumer reports

I RECENTLY CHECKED MY CREDIT REPORT AND NOTICED THERE ARE FRAUDELENT ACCOUNTS ON MY REPORT. PLEASE REMOVE THIS ACCOUNT FROM MY REPORT AS IT IS HURTING MY ABILITY TO GET CREDIT
Product: Mortgage

My name is XXXX ( XXXX ) XXXX and Bayview Loan Servicing is the mortgage loan servicer on my mortgage loan ( Loan # XXXX ). 

It 's been a couple of months that this company keep sending me letters about the home insurance certificate for my residence. I have asked my insurance company to send them ( email address is XXXX ) a copy of my home insurance certificate. A copy of that certificate has been sent to Bayview on multiple occasions ( On XX/XX/XXXX and again on XX/XX/XXXX ). 

However, I received another letter dated XX/XX/XXXX from this company claiming that they have illegally purchase insurance on my  behalf and they threaten to deduct the exuberance cost of this illegal policy from my escrow account. 

I would like to report this illegal and fraudulent activity by this incompetent mortgage servicing company so proper actions can be taken against them. 

It appears that this company is not managed properly and their harassing activities combined with their incompetence has caused agony and hardship for my family and I. 

Please process this complaint and provide the results as soon as possible. 


Thanks, XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine.
Product: Mortgage

I didn't receive a 1098 for a home I sold last year in early XXXX. Apparently they sent it to the address of the home, where I haven't lived in almost a year. I contacted them on XX/XX/XXXX of this year to ask for a 1098 to be sent to my new address. I couldn't download it from the website nor did I wish to do so as it would require trying to set up a password and other things. Today they told me that it had gone out on XX/XX/XXXX and should be at my new address by now. They have refused to expedite a replacement and will only send it out again via snail mail. It has now been over a week since it was sent and I need to get my taxes done. What can be done about this?
Product: Credit reporting or other personal consumer reports

This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$7900.00} XXXX XXXX  XXXX Balance : {$1100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$6200.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$850.00} XXXX XXXX XXXX XXXX Balance : {$810.00} XXXX XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$670.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN was never late! I have had exceptional payment history with XXXX  XXXX and 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 reported in ( MONTHS REPORTING LATE ) to be removed.

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. 


EXPERIAN 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! 


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

On XX/XX/year> I Filed a complaint about experian reporting inaccurate information that I proved to be inaccurate. I filed an additional complaint on XX/XX/year> stating eperian did not properly investigate my dispute and were still reporting inaccurate information. I also informed The CFPB that an experian employee told me on a recorded line, that they don't investigate. They send a notice of dispute to the company that's reporting & if they claim it's verified, then they close out the dispute as updated. These frivolous late payments have hindered me significantly financially.
Product: Money transfer, virtual currency, or money service

XX/XX/year>2024 Money was tollen from my account Also I was being charged for things I didnt Kno about
Product: Checking or savings account

On XX/XX/XXXX, I had two fraudulent charges for {$270.00} & {$260.00} while on Holiday in XXXX XXXX XXXX XXXXXXXX. Upon realizing the charges the next day, I called Bank of America to let them know to disable my card and those charges were not mine. No record of the charge/store or person and they've determined that the charge is valid. 
They refuse to send me proof even though I noticed the charge and let them know IMMEDIATELY that it was not me and had no reason to spend that money whatsoever.
Product: Credit reporting or other personal consumer reports

I reviewed my XXXX Credit Report and noticed that I have a data breach. I mailed my XXXX FTC report, along with the police report and the proper documents Transuion had asked for and the affidavit of truth to get all the disputed accounts remove from my credit report on XX/XX/year>. I called Transuion on XX/XX/year> to see if Transuion had received the documents Transuion requested. I talked to XXXX, a Representative for Transuion said that they have received all requested documents to remove the disputed accounts. Nothing has been removed Transuion 's failure to comply with FCRA requirements to remove all disputed accounts is unacceptable after they requested information. Under the FCRA law, I have the right to dispute inaccurate information my credit. I am requesting all disputed accounts be removed immediately because of XXXXXXXX XXXX data breach from my credit report. There will be no more reinvestigations in this matter. I am seeking a reasonable resolution in this matter. 
Sincerely, XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I had a collection on my equifax with XXXX XXXX. I had paid in full and my account is settle and the balance is XXXX. I had file XXXX disputes with my receipt attached to all of them. XXXX had send the same receipt to Equifax explaining to them that the account is settle and paid in full. They refuse to remove the collection on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 
In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please delete the account, or inaccurate information, from my file immediately & send me the results to the address. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have been paying extra money each month on my mortgage. This month I received a check for {$420.00} as a a reimbursement for escrow. My escrow amount was also increased which makes no sense at all. I have made several attempts to discuss the issue with Freedom Mortgage Corporation, XXXX XXXX, XXXX XXXX XXXX, XXXX CA XXXX. I have been placed on hold with no one returning to the line as well as sending an email which I receive no response. I believe that charging this much escrow for no reason is a ridiculous use of my money. Please help.
Product: Credit card

Tried to use my XXXX card and didn't go through and I didn't cancel the account Citibank did illegally cancel my account and I never missed payment with them and they had no right to close account without my authorization
Product: Credit card

On XX/XX/2015 I received an inquiry from TJ Maxx. This inquiry was unauthorized and I politely explained that to XXXX different people in the credit services fraud department. I asked them to contact the credit bureaus where my credit was pulled and informed them that the inquiry was unauthorized and I was told that they could not do anything about anyone using my information. I was told by everyone I spoke to that no application was opened in my name and for me to call them myself and inform them that the inquiry was unauthorized. I have never spoke to such rude individuals in my life. I have a fraud alert on my credit report for a reason. This unauthorized inquiry has shot my credit score down XXXX points. Someone needs to have this inquiry removed or I will be bringing legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 15 USC 1681. 
XXXX XXXX XXXX XXXX, has violated my rights. 

LIST ALL ACCOUNTS HERE : XXXXXXXX XXXX XXXX XXXXXXXX XXXX. XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. DEPTEDXXXX  - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX. XXXX XXXX XXXX XXXX - XXXX * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file.

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 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.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX Washington XXXX DC XXXX Subject : XXXX XXXX XXXX XXXX XXXX XXXX Dear CFPB, I am writing to formally submit a complaint against First Progress Card Company regarding their treatment of me as a customer. I believe that I have been subjected to unfair treatment due to the XXXX XXXX XXXX XXXX which has caused significant distress and impact on my financial standing. 

I have been a loyal customer of First Progress for over a year and have never missed a payment. Despite this, I recently requested a name change on my card due to discrepancies on my credit report, which inaccurately listed me as XXXX XXXX with addresses in XXXX area where I have never lived. I was born and raised in Virginia. 

Currently, First Progress has imposed a restriction on my credit card, which is negatively affecting my creditworthiness. Additionally, my account is being reported as closed to the credit bureaus, despite my ongoing efforts to rectify the situation. Each time I contact the company, over the phone my information is verified, yet I continue to receive vague responses and have been told that the documents I provided are not valid. 

I mailed copies of my Driver 's License and Social Security card to First Progress last Tuesday, but the restriction on my account remains unresolved. I am left feeling that their actions may be racially motivated, as I have experienced discrimination in the past and refuse to accept it as an adult. 

I kindly ask for your assistance in addressing this matter. I will upload my Driver 's License and utility bill for your reference. 

Thank you for your attention to this serious issue. I look forward to your prompt response and assistance. 

Sincerely,
Product: Checking or savings account

I was a victim to an employment fraud scheme where the scammers impersonated a legitimate company and conducted a phone interview using the names of real employees. Subsequently, they offered me a job and requested that I purchase necessary equipment, assuring me that they would reimburse the funds. I transferred a total of {$4800.00} to them via XXXX through US Bank. My realization that this was a scam occurred when I contacted the legitimate company, XXXX XXXX, to verify my employment status. 

Upon discovering the fraud, I immediately contacted US Bank within 24 hours of initiating the transactions. Despite my persistent calls to inquire about the status, I was repeatedly told to be patient. After a two-week wait, I was informed that my dispute claims had been denied.
Product: Credit reporting or other personal consumer reports

I have no knowledge of this account. The only Bank of America account I had was a car loan and that was closed and paid in full. This account does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an attempt to correct my XXXX, EXPERIAN, and XXXX credit report ( s ). I have identified fraudulent inquiries and fraudulent accounts. Please block all of the accounts listed below : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX - XXXX with balance {$3000.00} XXXX XXXX XXXX with balance {$110.00} INQUIRIES : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX These are the accounts I request to be removed permanently from my credit report ( s ). Please block these accounts. The accounts are fraudulent, unverifiable, and violate my consumer rights.
Product: Credit reporting or other personal consumer reports

I disputed a collection account from XXXX XXXX XXXX with TransUnion because the debt collector failed to provide proper validation upon request. I sent a validation request to XXXX XXXX XXXX on XX/XX/XXXX and to XXXX XXXX XXXX XXXX on XX/XX/XXXX. Neither company provided the required documentation, such as a signed agreement or detailed account history proving ownership of the debt. Despite this, TransUnion refused to remove the account and only updated minor details instead of deleting it. The Fair Credit Reporting Act ( FCRA ) requires that unverified debts be removed from my credit report. TransUnion also failed to provide a Method of Verification ( MOV ) explaining exactly how this account was verified. Without proof of ownership and validation, this account should be removed from my credit report immediately.