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

I am writing to express my profound frustration and concern regarding the persistent presence of fraudulent items on my credit file, despite multiple attempts to rectify the situation. This ongoing issue not only poses a severe threat to my financial stability but also raises urgent security concerns. I urgently seek your assistance in resolving this matter. 

Despite my persistent and urgent efforts, the fraudulent items persist on my credit file, causing immediate and severe consequences for my financial well-being and personal security. 

I urgently request the following actions : Immediate and expedited review of the documentation provided in support of the disputes. 
Fast-track removal of the fraudulent items from my credit file to prevent further financial and security risks. 
Transparent communication outlining the resolution process and the steps taken to address this matter urgently. 
Attached, please find copies of the supporting documentation for your reference during the expedited investigation. 

I emphasize the critical nature of this matter and the immediate impact it has on both my financial well-being and personal security. As a consumer, I rely on the accuracy and security of my credit file, and it is imperative that these fraudulent items are promptly and definitively addressed. I am asking for your assistance to remove these fraudulent items in my credit file : 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 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed Bankruptcy but decided to not go through with it because I realized it wasnt needed for me but its still effecting my score
Product: Student loan

I was paying off XXXX student loans. I had directed FED Loan to pay off loan sequence # XXXX in full. I had written this information on the check and included a letter of direction in the envelope. Upon review of my student loan, they did not do as directed. They instead paid a certain % on loan sequence # XXXX and a certain % on loan sequence # XXXX. I had previously called 4 different times to ensure I was getting the right information. The representatives I spoke with are : XXXX/XXXX/16 XXXX XXXX ; XXXX/XXXX/16 XXXX XXXX ; XXXX/XXXX/16 XXXX XXXX ; XXXX/XXXX/16 XXXX XXXX. Calling today, XXXX/XXXX/16 XXXX XXXX basically called me a liar because he could n't see the letter and " maybe I was n't specific enough. '' At the moment, I do not want ANY adjustments made on my accoutn. This is just one issue I have had with Fed Loan. It would be nice to get accurate information and for the payment center to follow directions.
Product: Credit reporting or other personal consumer reports

My account with XXXX  was never late! I have had exceptional payment history with 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 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 that are reported 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. 


XXXX 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX Fecha : XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX : XXXX Dear Sir/Madam : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( s ) : XXXX XXXX XXXX Incorrect Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX Correct Information to Be Reported : Full Name : XXXX XXXX XXXX Correct Date of Birth : XX/XX/XXXX Correct Social Security Number : XXXX Correct Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Employer : XXXX XXXX XXXX XXXX XXXX I have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report. 

Additionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities.

Request for Investigation and Procedures Pursuant to Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation. 

Additional Request Please note that any automated response generated through the e-OSCAR system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements. 
I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above. 

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section 611 of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within 30 days, as required by law. 

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

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

XXXX asking for your support in addressing this incorrect account on my credit report. Ive brought this up because its hurting my reputation, and I need your assistance. The way my credit report has been handled has left me struggling, as this incorrect information has tarnished my reputation. You need to correct these errors so I can live comfortably with my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed my XXXX XXXX, XXXX WAS REMOVED FROM MY CREDIT REPORT AND HAS DROPED MY UTLIZATION SEEMS TO BE ON PUERPOSE BECUSES I NEVER CLOSED THIS ACCOUNT AND ITS IN GOOD STATDNING. 

MY XXXXXXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX LAST 4 XXXX ADRESS : XXXX XXXX XXXXXXXX XXXX XXXX XXXX NC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied a checking account because of negative account showing on ChexSystems. I sent a certified letter since the XXXX of XXXX.
Product: Credit reporting or other personal consumer reports

SOMEONE OPENED XXXX XXXX FRAUDULENTLY IN MY NAME. I HAVE SUBMITTED AN FTC REPORT AND A LETTER FROM XXXX XXXX STATING THE ACCOUNT SHOULD BE REMOVED OFF OF MY CREDIT REPORT. XXXX, XXXX AND TRANSUNION SHOULD REMOVE THESE 4 ACCOUNTS OFF OF MY CREDIT. REFER TO THE FTC FOR ALL VARIATIONS OF THE ACCOUNTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I was notified by   XXXX   XXXX   which purchased the account from   XXXX   XXXX   that I had a voluntary auto repossession account with them, I disputed this account. Then I notified the  XXXX  credit bureaus once the company was unable to prove that this account was mine, but they refuse to remove it from my credit reports.
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, which violate 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 Fraud Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss.
Product: Credit reporting or other personal consumer reports

To whom it may concern for, There should be no balance, past due or monthly payment on an account that is no longer owned by the original company, this account was transferred/sold ; DELETE IMMEDIATELY!
Product: Credit reporting

Upon trying to obtain a credit report at a car dealership, I was told I am reported as deseased through at least XXXX credit report company. After contacting them, they stated that my former bank told them I was dead and only the bank could undo the issue. I have tried writing to my bank 's credit compliance division ( as there is no phone or email contact info ) with no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you about a discover account that is now closed. The card was opened on XX/XX/XXXX and closed on XX/XX/XXXX. 

I understand it was closed due a misunderstanding and when explained to me everything they had agreed as long as everything paid they would remove the entire card information from my credit history. Which they have yet to do.
Product: Checking or savings account

Bank of America is negligent by opening a fraudulent bank account in my name and social on 3 separate occasions. Each time I have been assured that the accounts will be closed and that proper steps are being put in place to prevent this from happening again. In addition, I have fraud alerts on all 3 credit report agencies and XXXX. Despite this, they continue to allow fraudulent accounts negligently. 

Accounts were successfully opened in XXXX XXXX XXXX XXXX XXXX XXXX XXXX Each time I contact them, and have been given assurance by them and their department that this would be prevented from happening again. But they would not discuss how the problem keeps happening to " protect privacy. '' They have no problem violating my privacy by opening the accounts. 

It is very apparent that the Bank does not have appropriate security and fraud protections in place to protect consumers.
Product: Debt collection

They have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I submitted a complaint to all XXXX, Experian, and XXXX and at the same time, the XXXX. The complaint is number is XXXX. 

The complaint was about how a creditor on credit file, XXXX XXXX XXXX, sent me a threatening and coercing letter to me ( included attached ) and Im a deceptive manner referenced laws that did not exist in an effort to stop disputing legitimate complaints on my Credit report. 

It has been 46 days now and XXXX XXXX XXXX has not responded appropriately, honestly, or diligently to the complaint filed on XX/XX/2022, complaint number XXXX. 

They have attempted to conceal the complaint time and time again and tag it incorrectly, falsifying a U.S. Government document and entering falsifying data into the CFPB portal which has deprived me of my right to due process time and time again, and has broken state and federal laws in this process and actions. 

It has been 46 days and CFPB has done nothing yet to administer this complaint properly- and the credit bureaus have done nothing. 

I am going to sue everyone if you. You better start doing your job.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of the XXXX student loan defraud action after that school filed for bankruptcy. The Federal court ruled that all student loan debt associated with this school be discharged. I filed the necessary discharge paperwork with the Dept of Education in XX/XX/2019. 

The attached article -- XXXX XXXX XXXXXXXX - from XXXX, 2019 states that a federal judge rules last yer the the DOE delays in forgiving the student debt of defrauded students was ILLEGAL. The article points out that the Dept of Education continues to neglect pending applicatins now totalling 180,000 and that NO borrower has had their request approved or denied in more than one year. 

Based on this information the three credit reporting bureaus should be deleting all my Federal Loans and Peak loans showing on my credit report as continuing to do so will put them in violation of a Federal Judge 's order to discharge these student loan debts..
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past 4 months I have made several disputes with XXXX & Experian regarding an fraudulent account being reported on my Experian/XXXX Credit report. In my written and online request I asked that XXXX please investigate this item and show proof of validation or delete immediatley from my report. The account in question is XXXX XXXX for $ XXXX.Every dispute I have sent it their response has been that this account has been " verified '' as mine but shows no proof or documentation showing that it is mine. It is my impression on FRCA that the account in question must show a/an signed document showing that in fact open the account ( i.e signature etc. ) I have n't gotten anything from XXXX & Experian proving the account is mine. Please also note that XXXX has already legally deleted this account from my report. There is no possible way that this account belongs to me.PLEASE HELP
Product: Mortgage

While using Quicken Loans to finance a second home I feel the terms of the loan were not fully disclosed to us. While at the title company closing on the loan we discovered we had not actually put down 20 % as we had wanted. Also Quicken gave us a loan with Lender Paid Mortgage Insurance without our knowledge. Due to a number of factors we did sign the paperwork for the mortgage. Quicken has admitted to us they did not disclose to the LPMI and say they will refund the bulk cost of it. However I am of the opinion our interest rate suffered due to the fact that we did not actually put 20 % down and had LPMI. We had the funds and wanted to put down 20 %, therefore I 'm not willing to pay a higher interest rate compounded over the life of the mortgage.
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 Account NumberXXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 reporting, credit repair services, or other personal consumer reports

It's been 30 days since i disputed the late payments on my report and still yet to receive any outcome or result of their investigation. The dispute was initiated on XXXX.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and notice I had fraudulent account on my report. I did not give my authorization. I am writing your office today because I am a victim of fraud. An unknown individual used my personal information in the past to obtain credit from XXXX XXXX XXXX XXXX, and other banks without my knowledge or consent. 
I filed a complaint with XXXX XXXX Police department and I attach a copy of the card containing the case number with this letter. 

This matter concerning the XXXX XXXX XXXX XXXX account has been resolved with Equifax in the past and reposted again recently by the creditor. It is illegal for this information to be reposted in my personal credit file when it was deleted and blocked in the past due to fraud. Please delete and block these fraudulent accounts from my credit report as they are fraudulent information. I'm expecting that the credit bureau will help me with this matter, I want to thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agencies are required to conduct investigations of disputed items with the furnisher of information. The Bankruptcy Court should be the furnisher of information, not a third-party source such as XXXX  or XXXX XXXX. But, obviously, the CRA 's do not care about following the law or even adhering to the law. The FCRA is clear about verifying with the furnisher, but the CRA has ignored my requests after 6 plus dispute letters concerning this inaccurate and inconsistent listing. If you are getting your information from the same furnisher - why is the information so wrong, inaccurate, and inconsistent? You did not get this information from the court - attached is a letter from the court proving you did not verify with the court. I will also file with the AG in my state amount this issue.
Product: Credit card or prepaid card

I have been penalized from BB & T Bank with my credit card card account being closed due to unauthorized payments / purchases when my account had been taken over due to Identity theft. Instead of changing the account number BB & T closed my account and banned me from the bank that I always paid o time and in full. Also BB & T hasnt updated my credit report balance as of XX/XX/2020 with XXXX showing a balance of {$6300.00} and XXXX a balance of {$5200.00} and XXXX with a balance {$100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day to you. I am sending in this complaint as a last-ditch effort to remove a bankruptcy that is being reported inaccurately on my Experian report. I have sent updated copies of my credit reports as well as my current XXXX XXXX report that shows that there is no bankruptcy in my public record. I have also attached a letter from XXXX XXXX that shows that Experian is not even responding to XXXX XXXX to remove this account. Please have them remove this as this is the 5th month I have disputed with Experian in a row with no success. I have been disputing this with them since XXXX of 2020. Thanks for your help in this matter. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax security breached. My information is at risk
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report, I saw some hard inquiries that did not have permissible purpose. Can you reinvestigate the inquiries listed below. I also attached evidence. 

XXXX / XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX  / XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX  / XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX/ XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX  / XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b Experian  XXXX XXXX/ XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX / XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX  XXXX XXXX/ XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX / XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX / XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX  / XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b