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

To Whom It May Concern : I am in the process of purchasing a home and asked my lender to pull my credit reports. I noticed that an old bankruptcy is still reporting on the three major bureaus. I am requesting that this tradeline be removed from my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I have submitted disputes to Equifax over 7times already, XX/XX/XXXX, XXXX requesting the removal of a few accounts, in compliance with the Fair Credit Reporting Act, Section 611, part B, subsection ( iii ) 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] I am dismayed that XXXX has not taken care to maintain the procedures to assure complete accuracy in the information they have published and has not complied with the law by providing the requested information within the 30 days allowed. 
The accounts that I know to be reporting as a result of a mismatched credit profile, theft and with errors are : 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. 

I have never worked for XXXX XXXX The hard inquires that I know to be reporting as a result of a mismatched credit profile, theft and with errors are : XXXX XXXX XXXX XX/XX/XXXX + XXXX XXXX XXXX XX/XX/XXXX + XXXX XXXX XXXX XX/XX/XXXX + XXXX XXXX XXXX XX/XX/XXXX + XX/XX/XXXX + XXXX XX/XX/XXXX + + XXXX XX/XX/XXXX + XXXX XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX XX/XX/XXXX AND XXXX XXXX XXXX XX/XX/XXXX. XXXX can see that there are alerts attached to my profile about mismatched information along with long standing fraud alerts. I have never lived at or received mail at these addresses : XXXX XXXX XXXX XXXX, XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I sent the company my i.d and bills and and let me know that non of the information they have is actually me and they still updated this account on my credit report
Product: Payday loan, title loan, or personal loan

Im in a dire emergency need help from this loan company Im a great payer never late nor missed a payment and need help for this personal matter that has happened and I need money that I need not no whatever I need
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a title loan on my car back in XX/XX/2016 for {$100.00} my car got impounded by police after someone else was driving it when I went to get it out the tow yard said I couldn't get it because there was a lien on title from title loan place and they were getting it cause I hadn't paid my loan so I didn't get my car from impound title loan place did and now they are still trying to charge me for it after they took my car to you don't get money and the car I told them they got the car they said no they didn't. B why would I just leave my car and not get it back if I could it makes no sence
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX and Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX {$2000.00} XXXX XXXX {$2900.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX  XXXX {$8400.00} XXXX XXXX {$3800.00} XXXX XXXX  XXXX {$5000.00} XXXX XXXX XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

1681b. Permissible purposes of consumer reports. A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

1681N-Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

XXXXXX/XX/XXXX ( late payment ) account # XXXX PLEASE HELP ME WITH THIS INACCURATE LATE PAYMENT REMOVE/DELETEXX/XX/XXXXXXXX Account # XXXXXX/XX/XXXXaccount # XXXX XXXX XXXX XXXX Account # XXXX THESE ACCOUNTS WERE OPEN WITHOUT MY PERMISSION OR CONSENT PLEASE HELP ME REMOVE/DELETE OUT OF MY CREDIT REPORT..
Product: Bank account or service

I am a victim of identity theft. A bank that I had not heard of before the identity theft is US bank. I live in Georgia and I do not believe they are located in Georgia. The person trying to take my identity according to the bank opened bank accounts and credit card accounts. I denied the debt and they requested information from me which I sent to them, i.e., copy of license, proof of residence, such as mortgage payments and I even sent copies of mortgage statements dating back some years and other statements to prove my residence. I also sent the police report that I filed with hopes that these people can be caught. They wrote back and said they could not do anything unless I sent them a very clear copy of my social security card. I am concerned because when I googled the US Bank I see all the claims of fraud. If they have people in their bank committing fraud I would not want them having a clear copy of my social security card. I offered to go to my credit union or XXXX XXXX and I can take both my birth certificate and social security card and they could verify my identify but they said I would have to send them the information. I would like to know if this a normal because other companies where the fraud was committed such as XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, asked for a lot of information but not my social security card. Please help me with this because they are reporting the fraud persons address as my address to the credit bureau and will not release me from this obligation.
Product: Debt collection

XX/XX/XXXX I settled a medical debt with XXXX XXXX for service that was rendered XX/XX/XXXX. 

Today, I spoke to XXXX XXXX from XXXX XXXX who told me I owed another bill from the same creditor but with a different amount and account number. This is the first time I've heard about this new account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Apple Card/GS Bank USA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : Request for Account Information [ Account Number : XXXX ] Dear Sir/Madam, I hope this letter finds you well. I am writing regarding the above-referenced account. I am not disputing the information provided in my credit report but kindly request the following specific details for my records : Date of First Delinquency Date of Last Payment Date of First Charge-Off This information will help me better understand the account history. Please provide this information in writing to the address listed above. 

Thank you for your attention to this matter. Should you need any further details from me, feel free to contact me at [ Your Phone Number ] or [ Your Email Address ]. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several 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 XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/2022 ; XXXXXXXX XXXX XXXX XXXX XXXX  GA XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX Credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : XXXX XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( XXXX, XXXX OF CHARGE OFF ) since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charge off should not include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc., ) due to inadequate customer service and unfair practices violating the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report, it shows that I am current with 1 missed 30 day late for XXXX XXXX. I have never been late and have received a call and a letter from XXXX XXXX apologizing, but yet it is still on my credit report. Even though they promised to remove it.
Product: Credit reporting or other personal consumer reports

I am victim of identity theft and I am requesting for XXXX to delete and remove these fraudulent accounts immediately. I have included a copy police report to this correspondence. 
XXXX. XXXXXXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE : XXXX XXXX. XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX ( IT HAS PASSED THE SEVEN YEARS MARK PLEASE REMOVE IMMEDIATELY. IT HAS BEEN OVER SEVEN YEARS ). BALANCE : XXXX XXXX. XXXX XXXXXXXX XXXX ACCOUNT NUMBER : XXXX XXXX. XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX. XXXX XXXX ACCOUNT NUMBER : XXXX BALANCE : XXXX DATE OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX BALANCE : XXXX XXXXXXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX BALANCE : XXXX
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 right to privacy and confidentiality under 15USC 1681. 

Account name XXXX Account number XXXX Status Closed Account name XXXX XXXX XXXX XXXX Account XXXX XXXX Status Closed Account name XXXX XXXX  XXXX XXXX Account XXXX XXXX Status Closed Account name XXXX XXXX XXXX XXXX Account XXXX Status Closed Account name XXXX XXXX  XXXX XXXX Account XXXX XXXX Status Closed Account name XXXX XXXX  XXXX XXXX Account XXXX XXXX Status Closed Account name XXXX XXXX  XXXX XXXX Account XXXX XXXX Status Closed Account name XXXX XXXX XXXX  Account number XXXX Status Closed Account name XXXX XXXX XXXX Account XXXX Status Closed Account name XXXX XXXX Account number XXXX Status Closed 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A it also states a consumer reporting agency can not furnish an account without my written instruction 15 U.SC 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 items of information other than records of conviction of crimes which antedates the report by more then seven years.

15 U.S.C 1681s ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

Hi, I was shocked today when I reviewed my credit report and found late payments for my student loan accounts for Navient during the Covid19 pandemic where i thought all student loans were in deferment or in forbearance stand. How is this possible that your company is reporting student late during a pandemic. AM i not protected? Also, wasn't navient sued before by cfpb for not applying for the payment correctly or in timely manner for their clients???? 

Also, I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't Navient student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.
Product: Checking or savings account

I had some deposits with BMO XXXX high yield savings account. When I decided to transfer the money to external accounts it wouldnt let me saying the transaction had to be reviewed and would process in a business day or two. I tried with a few other transactions and they went through but then all of the transactions were refunded and my account froze. Ive been trying to get in touch with BMO alto for two days now not having much information about my account. The fraud department has not called me and the voicemail box is full and I can not access my account.
Product: Money transfer, virtual currency, or money service

I sent a wire from my bank account at XXXX XXXX to Kraken. My funds sent via XXXX XXXX  to Payward can not be deposited - I was told to wait up to 10 business days for my funds to be credited. That is simply unacceptable and needs to be investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that an account XXXXXXXX was reporting that I was over my limit and behind on payments but I know this was not true so I filed a dispute witjh XXXX regarding this ... in fact I had to call them because I am unable to file a dispute online due to some error I receive trying to logon I have photos of the error. When I spoke with XXXX and explain to them the situation that I have 2 accounts that are simular but different in account numbers and gave that information to them. I then received the results from my dispute saying the information was not changed that it was correct so i called again and this time it was corrected a couple weeks later I checked my credit again and all the same information was back again and is still there now. I am unable to dispute anything with XXXX unless I call them during business hours which is a difficult time for me. I have also tried contacting the creditor with no results. I have another account XXXX/XXXX that is in collection and they are switching the accounts back and forth to try and confuse the situation and I believe they are manipulating my report using these accounts. I am attaching photos of my account in question and other accounts regarded. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I mailed a letter requesting an investigation on questionable accounts on my credit report. I has been over a month and I still haven't received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX. I have always made y payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with EXPERIAN & they too are withholding any verifiable proof. I believe their records are wrong. This is a strict violation of Fair Credit Reporting Act sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. Please fix these accounts immediately. Id like this matter handled ASAP. Please update to OPEN/NEVER LATE. 


XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and I sent a letter to the 3 credit bureaus with the police report and ID theft affidavit to have the unauthorized accounts and inquiries removed from my consumer report. This was done XX/XX/2021. XXXX XXXX completed the removal of the unauthorized accounts, however XXXX  and Equifax still has the items on my reports. The results of the investigation by those bureaus was sent to me as verified. I have reached out to them to provide physical proof and provide the method of validation and they still havent responded. I need these erroneous and unauthorized accounts to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and I discovered some inaccurate accounts reporting on my credit file. Those derogatory accounts do not belong to me and I have no knowledge of these accounts. I have no idea who would have access to my credit report and because of this, I have no chance of acquiring new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed off my credit file
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I, XXXX XXXX, owned a XXXX XXXX credit card in XXXX. This credit card was used for small $ XXXX {$200.00} purchases, mostly on XXXX XXXX or add-ons throughout the year of XXXX. 

I, XXXX XXXX, stopped using this XXXX XXXX credit card in late XXXX, and made a {$500.00} online payment on XX/XX/XXXX, which was the final payment made for charges that I personally made on the credit card. 

I, XXXX XXXX, received a letter from XXXX on XX/XX/XXXX that claimed my loan with a balance of {$4900.00} had been sold to Midland Credit Management , Inc . 

Between the dates of XX/XX/XXXX and XX/XX/XXXX, I, XXXX XXXX, received XXXX billing statements or fraud alerts from XXXX XXXX about purchases made after I made the {$500.00} payment. 

I, XXXX XXXX, did not make the charges on this credit card, and I began attempting to figure out where the charges came from and how this happened without my knowledge. 

I, XXXX XXXX, along with my wife, XXXX XXXX, contacted Midland Credit Management , Inc shortly after receiving the letter on XX/XX/XXXX, and asked for a list of charges over the phone so that we could contact XXXX XXXX  and determine what the charges were and where they originated from. Midland Credit Management , Inc refused to give a list of charges in any shape or form, other than that one of them was a XXXX purchase. 

I, XXXX XXXX, did not receive any notices or letter from Midland Credit Management XXXX XXXX after this phone call until XX/XX/XXXX, when I was served with a Summons for a lawsuit at my place of residence. 

After receiving the Summons, I, XXXX XXXX, sent an email to the law firm who served me, XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX. This email outlined that first of all, the charges made on the credit card were not mine and that I had already asked Midland Credit Management XXXX Inc in XX/XX/XXXX for a list of the charges made and was refused. Had Midland Credit Management , Inc sent me a list of the charges in XXXX, I, XXXX XXXX could have taken care of this issue way before it advanced into a lawsuit. 

I, XXXX XXXX, received a response from XXXX, XXXXXXXX XXXX XXXX XXXX. that once again showed a total balance on the account, which I had received in XX/XX/XXXX, but did not show individual charges that were made on the account and where they were made. After this response from XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX, the debt was removed from my credit report. 

I, XXXX XXXX, once again heard nothing from XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX. from XX/XX/XXXX until XX/XX/XXXX when I served with a notice of hearing for default judgment.
Product: Credit reporting or other personal consumer reports

For multiple times of saying this, Ive had my identity stolen and need your assistance to quickly eliminate these fraudulent entries. Please delete this particular item at your earliest convenience and make sure to update all other inaccurate information without delay.
Product: Checking or savings account

Deposit from a property sold were deposited on my checking account XX/XX/XXXX. This funds are coming from an escrow account from a title company. Chase bank did not verified this funds after I tried many times to provide the information to them. The amount was {$50000.00}. No funds were available and today is day XXXX. I am using the money to do a treatment for my daughters XXXX and they have not provided even a partial release. I cant wait for the funds until XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I affirm, under the penalty of perjury and the laws of the United States, that the preceding statement is accurate to the best of my knowledge. Furthermore, I confirm that I am legally authorized by both federal and state law to submit this dispute. I acknowledge that any deliberate misrepresentations or omissions of material facts are considered federal criminal violations, punishable under 18 U.S.C. 1001, and can also be punishable as perjury under 18 U.S.C. 1621.

The item identified in my credit report is not associated with any transaction I have conducted. I assert that an individual or entity, without my consent, utilized my personal information to procure goods, services, or funds, resulting in the creation of this account. The inclusion of this account by the debt collector violates my rights and has led to personal distress and damage to my reputation.