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

I'm DISPUTING inaccurate personal information found on my credit report. This information is NOT ME and I have NO RELATIONSHIP to it. Please remove this information from my credit report immediately- If you continue to report inaccurate information I will be filing a lawsuit for willful noncompliance to FCRA regulations. Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX and XXXX XXXX XXXX XXXX, NC XXXX.
Product: Credit reporting or other personal consumer reports

I never had an transactions with either XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX So, I filed an Identity Theft Affidavit with the Federal Trade Commission as I believe that I was a victim of Identity Theft. I sent a copy of the fraud affidavit to the credit bureaus and the reporting agency asking them to remove this fraudulent account from my credit report and they refused and failed to do so and this is a clear violation of the Fair Credit Reporting Act The law is explained below : The section of the Fair Credit Reporting Act ( FCRA ) that addresses the removal of fraudulent information related to identity theft is Section 605B ( 15 U.S.C. 1681c-2 ), which is titled " Blocking of Information Resulting from Identity Theft. '' This section states that when a consumer provides a credit reporting agency with an identity theft report, the agency must block the reporting of the fraudulent account or information from the consumer 's credit report. Specifically, it requires the credit reporting agencies to remove or block the reporting of information that is the result of identity theft within four business days after receiving : 1 ) Appropriate proof of the identity of the consumer. 2 ) A copy of an identity theft report ( such as an affidavit ). 3 ) The identification of such information by the consumer. 4 ) A statement by the consumer that the information is not related to any transaction of the consumer. The consumer must submit an identity theft affidavit or report ( often obtained through law enforcement or an affidavit via the FTC ). Upon receiving the documentation, the credit reporting agency is obligated to block the fraudulent information from appearing on the consumers credit report. I have am submitting once again a copy of the fraud affidavit that I had submitted before and I am asking you to delete the account called XXXXXXXX XXXX XXXX from my credit report immediately. A failure to do so will result in taking legal actions against your company for violating my rights under the Fair Credit Reporting Act. Delete the account called XXXX XXXX from my credit report immediately. I have attached a copy of the law that deals with identity theft and the reporting of such information on the person 's credit report. kindly see file attached.
Product: Debt collection

I was contacted by a female from Meade and Associates on XXXX/XXXX/2015 in regards to a balance owed to XXXX in the amount of {$150.00}. I spoke to a lady who inquired about a payment she stated that agreed to make in XXXX. I never stated a firm payment date with this company and stated that I 'll will make a payment on the website sometime in XXXX. A definite date was never supplied nor confirmed to the company. The female proceeded to insist that I agreed to make a payment on a specific date in XXXX and began arguing with me. During the conversation, she stated that if I do n't make the payment today, I would be sued and would have to go to night court. This company has not provided the proper documentation notifying me of a possible lawsuit if the debt is not paid. I have yet to receive any such notice nor a notice from Meade and Associates of the current balance owed or the alleged payment arrangement. The female stated that I last spoke with them on XXXX/XXXX/2015. It 's now XXXX/XXXX/2015!!! Now, I being threatened with a lawsuit for {$150.00}? The level of hostility the female expressed was unnecessary for the amount of the debt. Especially, when I initiated the contact to learn how I can resolve the debt. If I did n't want to pay off the debt, I never would 've contacted them in the first place in XXXX.
Product: Student loan

Through Mohela, my payment has gone from {$73.00} per month to {$880.00} per month. I earn less now than I did when I first made the {$73.00} arrangement. I reported this and my loan was put in forbearance, but then they sent me a bill showing I can only pay {$73.00} for 12 months, after which the payment skyrockets. This is supposed to be income based repayment. When I call, their system says that no one can take my call and it hangs up on me. When I email, I get only automated replies and I hear nothing from anyone until I get a statement demanding payment.
Product: Debt collection

I had no disclosure of the debt until I pulled up my credit report to find that I had an account in collections. Now my credit score has plummeted and I was never contacted regarding the debt previous to this.
Product: Mortgage

I have been in contact with Ditech Financial since XXXX trying to receive my escrow refund check. I keep receiving the runaround, we are researching the issue, we`ll resend the check but it has been going on for XXXX months and I have NOT received my Escrow Analysis nor my check.
Product: Credit reporting or other personal consumer reports

I just note on my credit file this inquire COMENITYCAPITAL/XXXX XXXX  and i never request or get any product from this company also unknow what company is this.
Product: Mortgage

XX/XX/year> I called Fifth third bank. This is my mortgage loan company. I wanted to apply for a HELIC and was informed that they do not do HELOC in the state of CT.
Product: Checking or savings account

I was selling a antique stove for {$8000.00} on XXXX XXXX for my mom who is XXXX XXXX XXXX and a person named XXXX XXXX contacted me to purchase. He sent me a check for {$11000.00} which {$3000.00} was to be sent to movers on XX/XX/XXXX thru my XXXX account, the person receiving the money was named XXXX XXXX and her email address was XXXX later in the evening I received a message from XXXX XXXX letting me know that he wanted to cancel the transaction because his only sister who he was buying the stove for got into a serious car accident and was in the XXXX Ohio emergency room, he gave me the phone number of the hospital which was XXXX and when I called a person answered phone XXXX Ohio emergency room, we gave him the information and he continued to give us Information that if this was a true hospital it wouldnt have been given because of HIPPA.He wanted me to send all the money to pay for a operation that she needed right away. I didnt respond then he sent a picture of a woman lying in a hospital bed so I showed my daughter XXXX who did a reverse picture lookup and the picture was from 3 years ago of a softball coach who was in a car accident. I knew then I was scammed so I called Ally bank fraud department right away to let them know about the check, the person I spoke to said he believes it is money laundering. I called again on Thursday to get more information and I was told that my account will be locked I will not be able to take money out and all the money needs to be paid back to bank and this will be reported to credit bureau. I was very upset about the whole situation so I had given permission a number of times for my daughter XXXX to speak with customer service at one point a person named XXXX accused my daughter of impersonating me she also spoke to another person XXXX who was extremely rude as was XXXX. I have spoken to a number of people from Ally bank who were either nice to me or rude. This whole situation is a nightmare, I am being treated by Ally bank as a thief because of the fraudulent check that I didnt know was fraudulent. I have been with Ally bank for a long time my record is clean I have worked hard all my life and this is how I am treated by Ally. My accounts have been locked I dont have access to any money and I have bills to pay. At one point I called to find out my balance and I was told to stop calling. I filed a police report with the city of XXXX on XX/XX/2022 the incident number is XXXX. Ally bank should back up their customers not treat them like thieves. I have filed a complaint with the Attorney Generals office, FBI and XXXX XXXX XXXX
Product: Debt collection

Acct XXXX Was closed. On XX/XX/2023 and the equipment was returned. The employee at the XXXX XXXX did not tag/receipt equipment correctly. After 60 days this account was placed in collections for un returned equipment. 
In XXXX of 2023 I realize it hit my credit reports and I called and provided proof of return. From XX/XX/2023 to now it has been a 150 phone calls to each XXXX  and collection agencies XXXX is the vendor. 
Credit Management XXXX. Is collection company is at fault here. There is something wrong that they keep promising to remove the inaccurate entries.
Product: Checking or savings account

My name is XXXX XXXX. I live in XXXX Connecticut and I work for the United States Postal Service. I received my paycheck on Friday, XX/XX/XXXX in the amount of {$1300.00}. I deposited this check at noon on Friday XX/XX/XXXX. The ATM displayed a screen that said {$220.00} would be available on XX/XX/XXXX and the remainder would be available in XXXX business days. The following day someone cleared the ATM and placed a 10 business day hold on the entire amount of my payroll check. This means that the hold doesnt come off until I get my next payroll check. Making it a month without me getting any income. I have deposited the same checks from the same Postal Service for XXXX months. I have been a customer of the bank since XXXX. They could give me no reason why they put this extended hold on my paycheck. When I called to complain I was told that they can do whatever they want with paper items and the hold will stay until the XXXX. I ran out of food and Im having massive financial problems from not getting paid for a month. I dont know what to do I need my paycheck every XXXX weeks. XXXX, the woman to whom I spoke on XX/XX/XXXX was clear that they have the authority to hold whatever they want as long as they want. Is there anything I can do?
Product: Credit reporting or other personal consumer reports

his is a XXXX Problem! Passing off the problem to the new servicing agent does not fix the XXXX incorrect reporting. The issue is during when XXXX was servicing the Loan. See attached file. You are in violation of the law! As per federal law and the FDCPA, regulation under the following 15 U.S.C. 1792 et seq.15 U.S.C . 1692g, you are not allowed to propagate misleading information. Currently XXXX is knowingly making false and misleading statements about my student loan debt. As per the COVID-19 Emergency Relief and Student Loan guidance from the Department of Education ; all Department of Education owned loans are suspended from payments, collections and default from XXXX XX/XX/XXXX through XXXX XX/XX/XXXX. This is solidified in the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act ( P.L. 116-136 ) and invocation of the Higher Education Relief Opportunities for Students Act of XXXX ( HEROES Act ). Based on these acts the Department of Education put for the following policies : Accrual of interest on ED-held student loans and certain non-ED-held student loans was suspended from XX/XX/XXXX, through XX/XX/XXXX. ED-held loans were placed in a special administrative forbearance ( payment pause ) for XX/XX/XXXX, through XX/XX/XXXX. During this time, borrowers were not required to make payments on their loans. This special administrative forbearance counted toward the 120 monthly payments required to qualify for Public Service Loan Forgiveness ( PSLF ), the maximum repayment periods under the income-driven repayment ( IDR ) plans, and the nine voluntary payments required for individuals to rehabilitate their defaulted loans. Debt collection activities, including involuntary collection activities such as wage garnishment and offset of certain federal benefits ( e.g., Social Security benefits ), were suspended on ED-held student loans for XX/XX/XXXX, through XX/XX/XXXX. Multiple rules related to the 120 monthly payments required to qualify for PSLF were waived. A one-time revision was made to the accounts of borrowers with ED-held loans to provide credit toward the IDR plan maximum repayment period for any months in which they were in repayment status and for specified periods of deferment or forbearance. My XXXX student loans were owned by the Department of Education ( proven by the Department of Education XXXX approval ). As per court order ( CFPB vs XXXX XXXX ) XXXX has been banned from servicing student loans based on decades of systemic predatory and deceptive practices, my loans have been moved to another servicing agent. XXXX is no longer responding to my verification requests. XXXX is still responsible for removing incorrect and inaccurate reporting information on my credit report, in accordance with federal law and the FDCPA. As per CARES Act and HEROS Act any and all XXXX late payment information from XXXX XX/XX/XXXX through XXXX XXXX is inaccurate and incorrect. Any and All late payment information from that time period needs to be removed immediately.
Product: Debt collection

My credit report contains inaccurate information. It reflects debts and liens that I don't owe. A recent UCC-11 search, which is a reliable public record check, confirms there are no such debts or liens on my name. This report serves as clear evidence of the mistake.

The Fair Credit Reporting Act ( FCRA ) protects consumers like me. It allows me to dispute errors and requires credit bureaus to investigate and fix them within a reasonable timeframe. I provided the credit bureaus with a copy of the UCC-11 search and requested the removal of these inaccuracies, but the following incorrect items remain on my report : XXXX XXXX XXXX XXXX XXXX ) Amount : {$19000.00} XXXX XXXX XXXXXXXX XXXX Amount : {$8200.00} Original Creditor : XXXX XXXX XXXX ( XXXX ) Amount : XXXX XXXX ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year, I have sent disputes and have made a complaint with the federal trade commission and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. I need this problem fixed asap I will not wait another 50 days to receive any response because clearly, they are ignoring me
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted XXXX and they do not have information on the loan and XXXX reports account closed but assigned to a collection agency but have not reported collection agency to credit bureaus please correct collection agency or delete from all 3 credit reporting agency.
Product: Credit reporting or other personal consumer reports

Good day, to my dismay, as I was checking my credit report recently can't help but notice several inaccurate information which is really stressing me out. it's a big hindrance to me in achieving financial freedom, my application for new credit keeps getting denied because of this. It is so frustrating that my rights as a consumer is being violated.
Product: Credit card

I paid off my balance with XXXX XXXX XXXX XXXX XXXX. In XXXX I reached out since they were still reporting the balance. I have attempted to talk and write to them XXXX more times since the first time and they said it was a glitch in their system and would get it fixed. It still has not been fixed and they havent followed up with me as they said they would.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 Mailed dispute letter for verification of late payments on credit card accounts on consumer report. Demanded proof. Proof not received and its been over 30 days.
Product: Credit card or prepaid card

For the past 3 months, I have attempted to log in to my account and couldnt. I could not make payments on time and by not being able to do so affected my credit in a negative way. I have reached out to this company by email on several occasions to fix the app issue, and nothing has been resolved. I do not have access to my available credit or to the account to make payments.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

Account Name : XXXX XXXX Account Number : XXXX bal. {$3900.00}
Product: Credit reporting or other personal consumer reports

( XXXX XXXX ), ( XXXX ), ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 bankruptcy : Bankruptcy Account number XXXX on date XX/XX/2020. This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NV XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$100.00} XXXX XXXX Balance : {$2000.00} XXXX XX/XX/XXXX XXXX XXXX  XXXX Balance : {$36000.00}
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX ( XXXX ) XXXX Subject : Request for Deletion of Paid and Closed Account Due to Negative Impact on Credit Score Dear XXXX XXXXXXXX XXXX XXXXXXXX , I am writing to dispute the information reported regarding my account with your bank. This account, opened on XX/XX/XXXX, has been paid off and closed, with a XXXX balance. However, despite the account 's closure and balance resolution, it continues to be reported as affecting my credit score, which is an unfair and incorrect representation of my credit history. 

Reported Balance : {$0.00} Account Status : Paid and Closed Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Amount Past Due Reported : XX/XX/XXXX This account is continuing to negatively impact my credit score, even though there is no remaining balance and the account is closed. According to the Fair Credit Reporting Act ( FCRA ), I am requesting that this account be completely removed from my credit reports due to the fact that it is inaccurately reflecting a past-due status and harming my credit. 
I kindly request that you promptly delete this account from all credit reporting agencies. Please provide proof of its removal within 30 days, as the current status is severely affecting my credit score and hindering my financial progress. 
I look forward to receiving confirmation of this removal in writing within the stipulated time frame. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX WELLS FARGO CARD SERVICE CREDIT BUREAU DISPUTE RESOLUTI XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX XXXX  XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX The above companies have collections and/or charge-off accounts on my credit reports I have disputed it. It has been over 30 days and the credit bureaus have not given me a response. This is not my account and the account was opened fraudulently. These accounts need to be removed from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX AZ XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX AZ XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX. The following personal information is incorrect Account Number : Employers : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Employers : XXXX XXXX XXXX there is some inaccurate information reporting. 
XXXX Case Number : XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete for Violation