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

RE : XXXX BLOCK REQUEST To whom it XXXX concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Employer - -- - Incorrect Previous Address : 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 Listed below are the Inquiries that are being challenged 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 XXXXXXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS OR XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX CFR PART XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX  XXXX  ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit card or prepaid card

I have used this company for about 3 yrs. I have had new cards from them several times due to my card either being lost or stolen. My stimulus impact payment was sent to one of my old cards and it is not connected to my new card acct. I have tried calling and I can't get through fir the last 2 months.
Product: Credit reporting 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. 
Account name : XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX  XXXX XXXX, Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX $ XXXXbalance Account Name : XXXX XXXXXXXX # XXXX $ XXXXbalance Account Name : Account Name : XXXX # XXXX Account Name : XXXX 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 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
Product: Credit card or prepaid card

XX/XX/2023 Someone tried to open a credit account with XXXX XXXX XXXX Someone tried to open a credit card account with Comenity Bank/XXXX Within XX/XX/ Someone tried to open a credit card account with XXXX XXXX XXXX Someone tried to open a credit card account with Comenity Bank for a XXXX XXXX
Product: Mortgage

I sent a check from my insurance company to Ditech for the damage to my home because of a fire on XX/XX/18. I was told these {$220000.00} plus funds would be held in an escrow account until they are needed for construction. 

Im having an issue with DiTech releasing my insurance funds so that construction can begin. The first claim I submitted for the demo of my burned home took 1 month to receive, now Ive submitted for the first payment to the contractor to begin the build in the amount of {$40000.00} and its been 19 days and still nothing. 

Ive called several times and was put on hold for 45 minutes at a time and never getting anyone to answer the phone. When I finally found a different phone number for DiTech I got someone to answer but he didnt help me at all, only to put me on hold several times and then he asked about inspections and then the final comment that topped it for me was wherein he started saying something about the investors What investors, you have my insurance funds and they need to start being released I said. 

I need help with receiving these funds as my insurance company has a cut off date and then they will close my claim. If I can't get DiTech to release my funds how can I move forward with construction.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX XX/XX/XXXX Account Number : XXXX Account Name : XX/XX/XXXXXXXX Account Number : XXXX These accounts have 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 as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my significant concern about inaccurate items reporting on my credit file. I have raised several complaints about this issue, despite my efforts the erroneous items continue to severely damage my credit file. It has caused every credit application for the past 2 years to be denied. According to 15 U.S.C.1681 Section 611 ( a ) ( 1 ) ( A ) there should not be any damages on my credit report this is defamation to my character and I want to emphasize the severe financial and emotional distress that this negative rating has caused me for the past 2 years and will continue to cause until it is resolved.The information on my credit report was obtained without my consent. Pursuant to the Privacy Act of 1974 ( 5 U.S. Code 552a ) and the Fair Credit Reporting Act ( 15 USC 1681 section 602 ), I did not authorize the release of my personal information or credit history to Experian, XXXX or XXXX. Additionally, I would like to bring to your attention that under the Electronic Fund Transfer Act ( 15 USCS 1666b ), any financial institution is required to obtain written consent before sharing any sensitive information about an individual 's financial history.

The account has been paid [ evidence attached ] yet they have failed to conduct a proper investigation or comply with FCRA STANDARDS, and continue to report inaccurate information to my credit file with actual knowledge of errors. This is a clear violation of my consumer rights, specifically Responsibilities of furnishers of information to consumer reporting agencies ( 15 U.S. Code 1681s2 ), Civil liability for willful noncompliance ( 15 U.S. Code 1681n ), and Civil liability for negligent noncompliance ( 15 U.S. Code 1681o ) I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance. I am seeking precise and updated records that accurately reflect my timely payments for this account. Account Number : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2023 ive sent equifax these letters for these inaccurate infomation on my report and they havent deletd accounts for violating 15 U.S. Code 1681b - permissible purposes of consumer reports, I never gave any written consent to report anything on my consumer reports no consent is fraud!!!!!! 
1.XXXX  XXXX  XXXX  Account number # XXXX 2. XXXX Account number # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/2016 Balance {$3000.00} and XXXXXXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/2016 XXXX {$270000.00}. Please update ASAP.
Product: Credit card or prepaid card

I scheduled a payment for {$200.00}, more than my monthly payment, to lower my balance. Unfortunately, the day in which it needed to be withdrawn from my account, another bill was processed and the {$200.00} payment to CapitalOne was not processed. CapitalOne interpreted this as fraud and terminated my account completely. I attempted to reach out to CapitalOne to resolve this matter, however they declined to reinstate my credit card.
Product: Debt collection

On XX/XX/2022, Radius Global Solutions contacted me by mail regarding a debt from XXXX XXXX XXXX  XXXX that they claim I owe. I sent a certified letter to them asking them to validate the alleged debt by supplying me with all information including the full account number, name, and address of the creditor to whom the debt is currently owed, provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor, and provide verification and documentation about why this is a debt that I must pay. Radius Global Solutions did not properly validate this debt because they did not provide proper verification and documentation that this is in fact my debt. The documentation they did send did not list any current or previous address of mine and did not list the full account number of this alleged debt.
Product: Vehicle loan or lease

My account is charged off an they didnt send me an 1099-c
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My credit reports states there are 2 missed payments on this account. 

I am directing you to remove ALL late payments on this account and update my credit report to paid as agreed pursuant to Federal Law under the Heroes Act.

The Heroes Act states ; Negative consumer credit reporting during the COVID-19 pandemic is SUSPENDED. PLUS an additional 120 days.

The Covid 19 pandemic was declared over on XX/XX/2023. 
120 days from XX/XX/2023, is XX/XX/2023. 

The Heroes Act also declares that adverse information is prevented from being added to consumer credit reports TO PREVENT ruining credit scores. These two late payments injured my report and must be removed. 

Also, Credit score furnishers are prohibited from creating and/or implementing new credit scoring models that would lower existing consumer credit scores during the COVID-19 pandemic. 

Additionally, this account is paid up to date. 

Thank you. 

Attached you will find the following ; 1. HEROES ACT 2. Image from CDC.gov declaring XX/XX/2023 as end of Covid 19 Pandemic 3. Image proving XX/XX/2023 as 120 days from XX/XX/2023.
Product: Prepaid card

I was studying XXXX in for XXXX months from XXXX  2023 to XXXX 2023 and during this time I was only sending money home so my mother in law could pay my bills.. after arriving home k discovered that my PayPal was XXXX and all the money I sent was somehow taken off my card as fast as I would send it.. I have been a loyal pay customer for XXXX years and they refused to refund me the XXXX I was owed.. the issue is they refunded certain transactions but then they denied some of them that were fraudulent done at the same times
Product: Credit reporting or other personal consumer reports

I filed recent disputes with XXXX, XXXX and XXXX and requested that all XXXX major credit bureaus XXXX, XXXX and XXXX provide me the method of verification, the description of procedure and all of the documentation rendered or retrieved that proves these negative reporting 's and accounts are accurate. Based on XXXX XXXX XXXX ( a ) ( XXXX ) ( B ) ( XXXX ) I am within my rights to request this information within 15 days or it must be removed from all of my reports. The accounts that I included in the dispute were XXXX XXXX, XXXX, XXXX Bank XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX and XXXX denied to follow up with investigation and documentation of the performed investigation. I recently was notified that the CFPB has filed a lawsuit against the companies XXXX and XXXX. They alleged the companies of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation. XXXX and XXXX have not attempted to remove, nor correct any information. I am requesting that all derogatory remarks be removed or corrected immediately as it is affecting my chances of homeownership and creditworthiness. XXXX and XXXX violates my rights as a consumer as well as federal laws. Thank you
Product: Mortgage

I got approved for a conventional loan through XXXX XXXX XXXX  at a low monthly payment and low interest rate then signed the XXXX XXXX legal documents they sent me to lock in those rates and they ended up changing them twice since then increasing them significantly and claiming they legally have to update the rates when the federal rate increases which is completely false to my understanding and they are trying to pull a fast one on us because we are first time home buyers
Product: Debt collection

Jefferson Capital Systems LLC has re-aged an account that has passed the statute of limitations in my state to now showing opened 3 months ago. They also have falsely claimed themselves as the original creditor. This seems to be a common habit for them.
Product: Debt collection

Easypay Finance/Duvera is in violation of : 15 USC 1692 C ( A ), 15 USC 1692 D ( 2 ), and 15 USC 1692 C ( A ) I do not have any contract with EasyPay Finance/Duvera and never received one after a request was made. 

This collection is INACCURATE and needs to be deleted immediately! I do not owe this collection company and have never signed any documents or agreements with them! This is in violations of the CDIA laws!. **This collection account is not accurate, verifiable, nor is it compliant to CDIA or FCRA laws. Fraudulent misrepresentation is a crime punishable by the law and you are committing it Also you are violating my consumer rights to fair credit reporting. Please delete this off my report! Let me remind you of the importance of removing any unproven claims from your reporting about this account. As the data reporting provider, it is imperative that you adhere to the minimal criteria required to report with the privilege to do so. Failure to meet these standards raises concerns about the validity of any and all claim that you make, especially with regards to the mandatory Metro 2 Compliance standards. As you are aware, these standards are clearly outlined in the CDIA 's nearly annual CRRG, which stipulates that any deviation from these standards risks compromising the integrity of the data. 

I contacted them several and I never got the information needed. They also have a notarized letter. 

Please DELETE ASAP!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently been trying to get the credit reporting agencies ( Experian, XXXX, and XXXX ) to do reinvestigations for some accounts on my credit report but they keep coming back as verified as accurate and i am getting tired of it. 

These companies have violated my rights as a consumer and failed to do a proper investigation on my consumer report disputes. They claimed these items have been verified but there are obvious inaccuracies. This tells me that they have violated 15 usc 1681i ( 5 ) ( a ) The following items have not been properly investigated XXXX XXXX XXXX On XXXX this account has been reaged illegally every month and this is falsely manipulating the statute of limitations. And overall this collection agency has violated 15 usc 1692e ( 8 ) for false and misleading representations. They do not have the correct open date which also jeopardizes the statute of limitations. 

XXXX XXXX XXXX This account has multiple inaccuracies that have not been properly investigated. 

1. XXXX has not marked this account as disputed and this is a violation of section 623 of the fair credit reporting act 2. XXXX is reporting a monthly payment of {$65.00} a month when XXXX  and experian are reporting no monthly payment 3. XXXX has reported the payment status as 120 days late when experian and XXXX are reporting charged off. 
XXXX. XXXX is reporting this account type as a collection when XXXX  and experian are reporting this as a line of credit XXXX. There are XXXX different dates of last activity. XXXX is reporting XX/XX/XXXX. Experian is reporting XX/XX/XXXX ( XXXX ) and XXXX is reporting XX/XX/XXXX XXXX. The date of last payment is being reported wrong. XXXX and Experian are both reporting XX/XX/XXXX while XXXX is reporting XX/XX/XXXX. This also falsely manipulates the statute of limitations 7. XXXX reports 120 days late every month which is a lie XXXX XXXX XXXX XXXX company has failed to validate the debt 15 usc 1692g ( XXXX and Experian ) XXXX XXXX. - The date of last activity does not match. XXXX reports XX/XX/XXXX and Experian is reporting XX/XX/XXXX XXXX XXXX Experian has reaged the account because they are reporting the date of last activity as XX/XX/XXXX and XXXX  reports XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting a monthly payment of {$330.00} when Experian is reporting {$0.00}. 
XXXX. XXXX and Experian have failed to mark this account as disputed which is a violation of section 623 of the fair credit reporting act All inquires in my attached letters are in violation of 15 usc 1681b permissible purposes
Product: Student loan

I have been falsely reported by the student loan company, Georgia Student Finance, as owing {$4000.00}. Despite my attempts to resolve the issue, the company has continued to reset the account this year and refuses to correct their records. I reached out to my university 's financial aid department on XX/XX/2022 to confirm that the funds of {$4000.00} were sent back, and they confirmed that all funds were indeed sent back to Georgia Student Finance. However, when I contacted GSF, they lied and denied that the funds were returned, even though they were. I have been unable to resolve this issue with the company and am considering legal action to protect my rights and seek compensation for any harm that I have suffered
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN an XXXX I XXXX XXXX XXXX recently reviewed my credit report and I found unauthorized account on records etc., EXPERIAN MY ACCOUNT # XXXX XXXX ..MY ACCOUNT # XXXX 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. These are account I want DELETED AN ARE UNAUTHORIZED Has no permissible use and are not accounts that I have had relationships with an are reporting on my credit file without my consent .. EXPERIAN XXXX ARE... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX management # XXXX XXXX XXXX # XXXX XXXX ACCOUNTS ARE... are all unauthorized an have no Permissible use.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person, has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on please validate an delete at once
Product: Credit reporting or other personal consumer reports

Today Sunday the XXXX I spoke with the following representatives from credit Karma XXXX, XXXX, XXXX a Supervisor, XXXX, XXXX, XXXX, XXXX, XXXX, @ phone number XXXX XXXX I sent my Drivers License, and utility bill to recover my account when they promised to correct the problem they lied over XXXX emails and they stated they were in XXXX and XXXX XXXX. I applied for a credit card got approved through a bank card to then be locked with my personal information exposed.
Product: Credit card

I was told on a phone call last year with best buy citibank card services that my 0 % apr promotional period extended through the end of 2024. I have auto pay set up on my card so it took me 4 months to realize I had started accruing interest earlier than I was promised. Upon calling in to card services today and escalating to a manager named XXXX, we were told they did not have records of this call and refused to forgive the interest accrued despite promises to pay the amount owed in full immediately upon forgiveness of interest. This is a fault of citibanks record keeping and I have now been lied to and taken advantage of by bestbuy card services.
Product: Checking or savings account

I opened my online account with the bank. The system said I had completed the online account opening requirements. I then went to the website to get into my online account. The system did not recognize my login cardinals. I called the bank ( Old National ). They could not locate my accounts by my SS number or by account number. They said they were not able to help me.