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

XXXX XXXX XXXX  Acct XXXX is in violation of my privacy rights 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without written instructions 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan a late payment for any purpose.
Product: Debt collection

I had paid off a past debt at the beginning of the year with Portfolio Recovery. I asked if I had other debts with them and if they could mail me proof of these debts. I have not received any communication by mail only by calls from Portfolio. They just recently contacted a family member about my debts. This is highly inappropriate as that family member is not on any loans or has knowledge of my debts.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent and unauthorized information on my credit report under 15 U.S.C. 1681c-2 and 15 U.S.C. 1681b, and to request that this information be blocked and removed immediately.

I have attached a copy of my police report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as proof that this information has been reported improperly. 

Legal Basis : Violation of 15 U.S.C. 1681b and 1681c-2 Violation of 15 U.S.C. 1681b Reporting Without My Consent According to the Fair Credit Reporting Act ( FCRA ), the inclusion of information in a credit report requires express written consent.

I never provided such consent for this account to be reported on my credit history, which constitutes a violation of the FCRA.

Violation of 15 U.S.C. 1681c-2 Fraudulent Information Must Be Blocked This section mandates that any fraudulent information on a credit report must be blocked immediately when the consumer formally notifies the credit bureau .

While this account may have been opened in my name, it was reported without my authorization, making it fraudulent and requiring immediate removal.

Fraudulent Information to Be Blocked The following information on my credit report has been reported improperly and must be blocked and removed immediately : XXXX XXXX Under 15 U.S.C. 1681c-2, I formally request that this fraudulent information be blocked immediately from my credit report. This information must remain blocked for one year, after which I may request an extension of the block. During this period, this information must not be reported as valid nor allowed to reappear on my credit report.

Previous Attempts and Lack of Response I have made multiple attempts to contact the credit bureau regarding this fraudulent account, but CREDIT BUREAU has failed to provide a solution to this issue.

This has significantly impacted me, preventing me from acquiring a new home for my family.

This account has been removed and not verified by other credit bureaus, so I do not understand why you continue to claim this account belongs to me.

I have requested copies of the contracts from the company in question, but after more than 60 days, I have received no response.

For these reasons, I request immediate action to block and remove this information from my credit report.
Product: Mortgage

Our firm, XXXX XXXX, XXXX has been monitoring our client 's request for mortgage assistance to SPS to ensure SPS 's compliance with Regulation X. Despite having received a complete package from the Borrower, SPS has continued to make burdensome and duplicative requests for documents in an attempt to stall the Borrower 's request for mortgage assistance. For over a year now, the Borrower has continued to cooperate in every way possible and has continued to respond to all of SPS and opposing counsel 's document requests. Since our client has retained our services, we have submitted every document, explanation, and break down that has been requested. More specifically, we have provided the Borrower 's bank statements, your request for an explanation for deposits on the Borrower 's bank statements, and now a breakdown of each deposit by property. Each request has been in response to our production of the previous requested document. The piece meal requests are inappropriate and a violation of SPS 's responsibility to act diligently in their processing and review of the Borrower 's application. 
Furthermore, it is our contention that opposing counsel has hijacked the process from the mortgage servicer and has inappropriately hindered the review of our clients ' application. In addition, on these facts we would contend that SPS has received a complete package and opposing counsel has continued to move forward with the trial in violation of XXXX CFR XXXX. Since our client had in fact submitted a complete application to SPS at least 37 days before a foreclosure sale date was scheduled, they should not have taken any affirmative action that could cause or result in a judgment of foreclosure or a foreclosure sale. Even though opposing counsel is attempting to continue to move forward with trial, SPS is responsible for promptly instructing counsel not to proceed in such a manner once a package is received.
Product: Checking or savings account

Simple banking transferred to BBVA USA on XX/XX/XXXX. Since the transition, I have not been able to access my money. The enrollment for online banking and mobile banking is not working. I can not get through to BBVA customer service - it disconnects the call every time. I can not even access my money in order to remove it and bank somewhere else. This is my only source of money so to be without access is awful.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern TransUnion XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXXXXXX  ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME : 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 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 XXXXXX/XX/XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 

XXXXXXXX XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up complaint about being a victim of identity theft. You must remove/block any accounts that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX Balance : {$720.00} XXXX XXXX XXXXXXXX Balance : {$850.00} XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXXXXXX Balance : -
Product: Payday loan, title loan, or personal loan

In XX/XX/XXXX, i received a loan from GreenSky ( via XXXX XXXX ) to do work on my home. I approved a {$7500.00} loan at 9.99 %. I currently owe XXXX on this and been paying on it since XX/XX/XXXX. However, my monthly interest even when i over pay is still coming in at above {$55.00}. My normal payments are set at {$92.00}, so almost 2/3 of it is interest right of the bat. 

The company has not explained this well and I am confused by their billing practices.
Product: Credit card

My husband passed away in XX/XX/XXXX. I just learned that there was a credit card in my name and he it closed in XX/XX/XXXX or XXXX. I never received any information that this card was past due, or that I owed anything on it. We lost our business, he was ill and passed away in XX/XX/XXXX. We were waiting for the VA to help out and he never received a XXXX. I had to sell my house at a huge loss after he passed away and manage to pay off the mortgage and other debt. Now I am trying to get a small mortgage and there is a XXXX write off on my credit report. I called them and they said they wrote it off and that I did n't owe on it. I did n't receive a XXXX but they soon sent me XXXX ( XXXX actually ) very promptly. I do n't understand why in four years I did n't know about this. I ca n't find any statements about this account and have been at the same address ( after I sold my home- my mother 's home ) and had the same phone number, so I feel there should have been some communication to me that I owed on this. Now I have to pay taxes on this, but with our business loss, not sure how much that will be. Now it will be on my credit report for 7 years. They have n't contacted me in 4 years, will I still owe this amount and can I get it resolved. It is showing up on my credit report that I am paying $ XXXX a month on this and I did n't even know about it. There is no way a lender will give me a loan and it really messes up my credit I have worked so hard in the past 4 years to resolve. He was a vet and some issues, but this is very hard for me to deal with and he is n't here to tell me what went on. They just wrote it off in XXXX according to my credit report, but I was talking to them in XXXX or XXXX about this.
Product: Credit reporting or other personal consumer reports

I look at my credit report during the last XXXX month 's straight. XX/XX/year>, XXXX, XX/XX/year> XX/XX/year> and now XX/XX/year>. I noticed there is a lot of inaccurate and incomplete information on my report that has keep my score low. I sent a letter to XXXX on XXXX 2024 asking them to investigate the completeness and accuracy. 

I didn't receive a response from them at all they didn't even try to fix it. They are breaking the Federal Law by not investigating the situation.

According to 15 U.S.C 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure accuracy of the information being reported concerning the individual about whom it is reporting on or relates to. 

So, I then asked XXXX for the description of the investigation according to 15 U.S.C 1681i ( 7 ) : ( 7 ) Description of the reinvestigating procedures. 
A consumer agency should provide to a consumer within the guidelines of said description and methods they have not showed.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX CT XXXX VA XXXX XXXX I need you to unlock my passcode!!! NOT password in coinbase wallet XXXX or @ XXXX I have two different coin base wallets ... with the same accounts and the same passwords. THEY DO NOT HAVE THE SAME PASSCODES Coinbase wallet number # 1 is ID XXXX or @ XXXX PASSCODE IS NOT WORKING coinbase wallet number 2 is ID @ XXXX PASSCODE IS WORKING BOTH HAVE THE SAME PASSWORDS!!!! 

I am able to get into @ XXXX BUT THE TOKENS ARE LOST I AM NOT ABLE TO GET INTO @ XXXX My tokens are lost
Product: Credit reporting or other personal consumer reports

Previous complaint #. XXXX. XXXX did NOT address why I have a 30 day hit on my Credit Bureaus from XX/XX/year>. This should not be there especially with the explanation that was previously given. I have not been 30 days past due and this needs to be removed. I have spent the past 5 months trying to get this rectified.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Upon a careful review of my latest credit report, I found multiple fraudulent accounts that I did not authorize.
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam : I am writing to dispute an unauthorized trade line that continues to be reported on my credit file by XXXX XXXX XXXXXXXX and the three major credit bureaus ( Experian, XXXX, and XXXX ) despite my multiple disputes. This illegitimate XXXX XXXX XXXX account listing is the result of fraud and identity theft, which I am a victim of. 

I have never opened or had any relationship whatsoever with XXXX  XXXX XXXX. I did not authorize this account, provide any personal information for its creation, nor have I ever had any access or made any charges on this fraudulent account. Despite disputing this inaccurate entry multiple times, XXXX XXXXXXXX XXXX and the credit bureaus have continued harassing me about this account that has nothing to do with me. 

Under the Fair Credit Reporting Act ( FCRA ) : - 15 U.S.C. 1681c-2 requires blocking reporting of any information resulting from identity theft - 15 U.S.C. 1681e ( b ) mandates maintaining reasonable procedures to ensure maximum accuracy - 15 U.S.C. 1681s-2 ( a ) prohibits furnishing information to a credit bureau if notified of identity theft - 15 U.S.C. 1681i requires conducting reasonable investigations of disputes Additionally, the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692d, 1692e prohibit harassment and the use of false, deceptive, or misleading representations connected with attempted collection of a debt not owed. 

The continued presence of this fraudulent XXXX XXXX XXXXXXXX account and the unrelenting harassment about it by XXXX XXXX XXXXXXXX and the credit bureaus violates multiple federal consumer protection laws, as outlined above. As an identity theft victim, I have an absolute legal right to have this inaccurate and illegitimate information blocked, deleted, and no longer pursed or reported. 

I demand XXXX XXXX  XXXX and the credit bureaus immediately : 1. Investigate and remove the unauthorized account 2. Cease all harassment, collection efforts, and reporting related to it 3. Implement procedures to prevent its re-insertion per FCRA requirements Please promptly investigate this matter, take corrective actions, and provide me written results within the statutorily mandated timeframes. I am prepared to pursue all legal remedies for any continued violations of federal law, including filing complaints, seeking damages, and attorney engagement. 

Enclosed is documentation and a copy of my identity theft report. I trust you will undertake a timely resolution to this serious matter that is severely damaging my credit and consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The following accounts are violating my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported : XX/XX/22. Amount : {$77.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX Reported XX/XX/22. Amount {$220.00} XXXX XXXX XXXX/ XXXX XXXX XXXX : Reported XX/XX/22. Amount {$1300.00} 15 U.S.C. 1681 section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written authorization
Product: Debt collection

Someone is calling me saying we have a case number we are looking for your location. We are sending XXXX county to pick u up. These calls need to be stopped. These people are selling personal information to different people trying to get your debit card information.
Product: Credit reporting or other personal consumer reports

I sent over the proper documents for identity theft to Equifax, Experian and Transunion. TransUnion is the only agency that removed all of the inaccurate information from my credit report. Equifax and Experian still has 2 collections and inquires and also XXXX collections has been trying to contact me after I filed the proper documents for identity theft
Product: Credit reporting

I have an item from XXXX XXXX out of XXXX XXXX, CA they are reporting that I owe almost {$2000.00} on an apartment lease and yet they will not provide the lease agreement. I know that I did not sign a lease agreement with them everything was under my wife 's name at the time and it should not be reflecting my credit at all. If they choose to place this on my credit report than they should be able to provide proof that I owe the debt. I have requested copies of said lease agreement from both the apartment complex and the collection agency and neither have responded to me. I feel that if they claim to have a debt with my name associated with than I have the right to at least see the proof behind it.
Product: Debt collection

In 2011 I spent about a month in XXXX XXXX in XXXX XXXX XXXX. They operated to relieve a problem with my XXXX XXXXMy hospital and doctor bills were paid by XXXX and XXXX. 
XXXX XXXX XXXX was XXXX of the doctors who attended me during my stay. 
I recently found out that XXXX XXXX claims that I owe him {$5000.00} and he has placed me in collection. 
I do not see how this can be. XXXX XXXX and all the others were paid by XXXX and XXXX
Product: Debt collection

Account number XXXX This is my final warning. IC SYSTEM and XXXX have until XX/XX/XXXX to remove this or I will file a lawsuit. You all have my account information and further tactics used to dodge this will not be accepted. 

IC System is reporting a debt of {$520.00} owed for a XXXX Account that is not mine. Not only is this debt not mine any accounts opened prior to XX/XX/XXXX should have been addressed in my federal Bankruptcy filing on XX/XX/XXXX. Neither XXXX nor IC System at the time contacted myself, my attorney nor the The Federal court. By law if IC System purchased this debt from XXXX they had a legal obligation to mail documentation notifying me of any debt owed, IC system did not do this. Nor have they provided me with any proof that a debt is owed to them. IC System has violated numerous section of the FCRA. I worked really hard to deal with any issues with my creditors during bankruptcy. XXXX had a obligation to show up and collect any debts they feel were owed. They did not. Also I have a current account with XXXX and if a debt was owed to XXXX it would have been due prior to activating services. IC system is attempting to fraudulently collect money they are not owed. I C system has until XX/XX/XXXX to remove this debt from all reporting or my attorney XXXX XXXX will be filing charges against IC system and XXXX on XX/XX/XXXX. This is my final warning to IC System, XXXX and all Credit Agencies
Product: Credit reporting or other personal consumer reports

I have had a card with Victorias secret for years. Covid job loss got me behind on my payments. I got all of this caught up and closed the account in XX/XX/XXXX. I have asked on many occasions to change my pay date as it is a real problem for me. They refuse. I put in a payment in XX/XX/XXXX and they didnt process the payment for 3 days. They said the payment wasnt paid and I was charged a XXXX late fee and a XXXX returned check fee. It also took XXXX points from my XXXX report for one late payment. The card is consistently adding interest and fees, even though the account has been closed. They reported to a credit bureau that I was using 102 % of my credit when my limit is {$700.00} and I owe {$570.00}. That is not 102 %. They are XXXX to destroy peoples credit.