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

XX/XX/XXXX I applied for an health insurance application. I submitted my Social Security number along with my husbands which I never do because I have been victim of identity fraud in XXXX. 

XX/XX/XXXX someone applied for a XXXX  XXXX XXXX credit card using my personal information & identity. XX/XX/XXXX I received a text stating my credit had been approved and my cards would be in the mail within XXXX weeks time. 

Since I had not applied for a XXXX credit. I called XXXX XXXX XXXX and was informed that on XX/XX/XXXX somebody applied for credit using my personal information ( social security # ). 

I have informed the credit bureaus and have a police report. 

Last week my husband received a fraudulent call from Someone claiming to work in the liability department of XXXX XXXX They asked if I had a secondary health insurance policy. I called my health insurance company, XXXX XXXXXXXX, who stated they did not call. The impostor seem to have records of my doctors appointments. 

My recent credit report states I work for a company called XXXX XXXX services. This is incorrect information.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the accounts was erroneous. The 3 credit bureaus are 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 accounts below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this reporting several time with Equifax and submitted documents directly from XXXX XXXX who stated they could not verify the bankruptcy and removed it from their file, to whom Equifax stated they verified this bankruptcy through ( XXXX ) I am NOT disputing the information in the bankruptcy or the bankruptcy itself, I am disputing the fact the bankruptcy is NOT VERIFIABLE and could not be verified through the source Equifax claimed it was verified through ( XXXX ) I HAVE INCLUDED THE LETTER SENT TO ME FROM XXXX XXXX BACK ON XX/XX/2022 STATING THEY COULD NOT VERIFY BANKRUPTCY SO THEY REMOVED BANKRUPTCY from thier database.. 

IF EQUIFAX STATES YET AGAING THEY HAVE VERIFIED THIS BANKRUPTCY I NEED DOCUMENTATION IN HOW THEY VERIFIED THIS INFORMATION ( what method was used ) I HAVE ALSO FILED A COMPLAINT WITH XXXX  TO HELP LOOK INTO THIS MATTER AND WILL BE TAKING LEGAL MATTERS. 

In according to the FCRA all account must be verified or removed. 


Also may I state XXXX and XXXX has deleted this same bankruptcy from thier file Equifax is the only one who refuses to do so!
Product: Debt collection

I want to see if I could negotiate my debt. I have an account from XXXX XXXX that was originally for {$2000.00}. Now I am in collections for {$4900.00}. I want to see if I can negotiate to settle this debt. Any information?
Product: Credit reporting or other personal consumer reports

n 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. ( USC 91-508 ) I told the Experian, XXXX, and XXXX to reinvestigate these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 SECTION 602 A. states i have a 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 instruction. 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 REPORTING AGENCY IF THE PERSON KNOW OR HAS REASONABLE CAUSE TO BELEIVE THAT THE INFORMATION IS ACCURATE
Product: Credit reporting, credit repair services, or other personal consumer reports

I refinanced my mortgage with XXXX XXXX  company in XXXX. They placed the account with XXXXXXXX XXXX XXXX XXXX  which is their collection dept. I paid this mortgage off, XX/XX/XXXX. My payments were never delinquent, but because they placed it in the collection department its a negatively impacts my credit score
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 violates the Consumer Financial Protection Act.Specifically Cash App failed to take timely and effective measures to prevent and address 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 Regulations E. These actions have cast significant inconvenience and financial loss and I seek appropriate redress for the violation
Product: Credit card

On or about XX/XX/XXXX I requested a credit line increase for my Capital One Menard 's card. Back in XX/XX/XXXX, I purchased a refrigerator and dish washer on my Menard 's card ; this purchase included a special promotional rate with very low monthly payments but it was over my credit limit. Capital One/Menards allowed the purchase to go through but my card was then over its limit. I am still just {$700.00} under my limit on that card and requested a credit line increase. 

On XX/XX/XXXX I received a letter from Capital One stating that my credit line increase request was denied for the following reasons : There is legal action pending against the applicant I called customer service on XX/XX/XXXX. They told me they have no information about any court cases pending nor do they know what reporting agency they use. The agent gave me the numbers for XXXX, XXXX and XXXX XXXX and said it was up to me to call all of them and find out. 

As far as I know there is no pending litigation against me.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX - XXXX
Product: Mortgage

I tried to get a refinance home loan from Royal United Mortgage XX/XX/XXXX. It was a VA refinance home loan. There was a problem with the VA that I did not know about. XXXX XXXX was the guy I was working with. He called me told me about the problem. I was scheduled for an appraisal that day. I asked him if he had cancelled the appraisal he said he did. They showed up at my house. I had them do the appraisal because XXXX XXXX told me he could get me another refinance loan. I called him after the appraisal was completed told him it had been done so we could go forward. He never returned my call or my text messages. When he first called me that day he talked nasty to me and told me that it was about time I finally remembered I should have told him earlier. I told him the only I remembered was the date he had given me I did not know about the problem with the VA. He has never returned my calls or text messages to help me get another refinance. I am out {$400.00} to these people. I got my home refinanced somewhere else I had to pay for another appraisal. These people will not return my calls or texts or emails. I also emailed the headquarters in XXXX. This guy is in Illinois. My credit score is XXXX. When XXXX emailed me the paperwork from the VA I called them was told I owed about {$23000.00}. But I could get a VA loan if I wanted more money. I do n't want to do that. Continued to try to contact XXXX XXXX and Royal United Mortgage headquarters. No answer. These people owe me {$400.00}. Was wondering if you could please help me XXXX XXXX XXXX XXXX.
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. I told XXXX, XXXX XXXX equifax to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 


I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # 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 an account without my written instructions In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # 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 an account without my written instructions In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX XXXX  Account # 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 an account without my written instructions In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account 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 an account without my written instructions In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX XXXX Account # 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 an account without my written instructions XXXX XXXX XXXX XXXX & XXXX In accordance with the Fair Credit Reporting Act XXXX XXXX SOUTH CAROLINA Account # XXXX has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # 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 an account without my written instructions In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # 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 an account without my written instructions In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX XXXX  Account # 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 an account without my written instructions
Product: Debt collection

Moved out of an apartment XX/XX/2019. Charged a cleaning fee of {$170.00} by the complex. Provided written proof that the apartment was professionally cleaned. Never received a written notice from the collection agency. Received a copy of what is claimed to be owed from the agency after filing a complaint with the credit bureaus XX/XX/2019. The claim was placed on my credit report XX/XX/2019 without any written notice. Wrote a certified letter with the proof that the money owed is invalid XX/XX/2019. Have received no response after 30 days and no action has been done to correct the situation. 

Company : Genesis XXXX XXXX XXXX XXXX, WA XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from the police, notifying me that I am a victim of identity theft, so I requested a credit report. Upon viewing my report, I noticed a item reported that I know nothing about. The collection agency is Tek-Collect. Charge of XXXX reported to collections on XX/XX/2018, No Data on XX/XX/2018 and reported to collections on XX/XX/2018. No further reporting as of now. I tried calling Tek-Collect, but I can not get through to anyone. It just hangs up. The Original Creditor is XXXX XXXX XXXX. I have no idea what this could be for. I never received any correspondence from either company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am tired of sending dispute letters to Equifax requesting that they DELETE this erroneous account being reported on my Credit File because they have been doing nothing! This complaint is to follow up on my previous complaints and letters I submitted on XXXX XXXX, 2022, and to inform them that I am halfway through taking legal action and suing the Credit Bureaus for their willful non-compliance with the FCRA statute. It is improper to continue reporting this account as unverified information without creating proof within the time permissible bylaw. Only if Equifax chose to remove the account on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The account that should be DELETED is : XXXX CARD XXXX
Product: Credit reporting or other personal consumer reports

I have enclosed multiple FTC reports and my documents as per requested and Equifax has refused to remove the fraudulent information from my credit report. I have enclosed the list of fraudulent transactions that Equifax is refusing to comply with FCRA 605B requirements. My attorney has been working to get this resolved not to mention the XXXX plus dollars in losses for my personal credit not being correct. The fact that I have contacted CFPB multiple times and have an attorney should speak volumes about this matter. They really act above the law.
Product: Debt collection

I noticed an account with sunrise credit XXXX on my credit report on XX/XX/. I called XXXX, XXXX XXXX, and XXXX for submit a fraud dispute but so far XXXX XXXX and XXXX are saying it is my account when it is not.
Product: Vehicle loan or lease

I entered a loan with Santander Consumer USA in XX/XX/XXXX. In XX/XX/XXXX, I was in a car accident that resulted in the car being deemed a total loss by my insurance agency. I was told by Santander that after XXXX paid, my Gap insurance would cover everything else. So I purchased a new vehicle, being that I am a student living away from home. Following my vehicle purchase, I was called by Santander stating I still have a residual balance I am responsible for and failure to do so will result in my credit being impacted. My insurance company paid {$5200.00} and my GAP insurance with Santander ( XXXX XXXX XXXX ) paid {$1500.00}. I was told by XXXX that they do not cover late or missing payment or interest fees. So I paid my loan with Santander and my loan for my new car monthly. In XX/XX/XXXX, my credit report stated that my account with Santander was closed and paid in full as of XX/XX/XXXX. I called Santander on XX/XX/XXXX inquiring about the report because my online account still displayed a balance. I was told that the reporting was incorrect and the account is open and past due 53 days. I made a payment to Santander on XX/XX/XXXX that they misplaced. I faxed over my bank statement showing the payment processed ( XX/XX/XXXX ) and received verbal confirmation that the payment was found and will be applied to the account. Following this conversation, I was told on XX/XX/XXXX that I was 59 days past due and if I failed to make a payment it would be reported to the bureau, even though I continued to tell them the account is reported as closed and paid in full on my report. I made a payment on XX/XX/XXXX to avoid a negative report. On XX/XX/XXXX Santander listed my account as closed and adjusted the balance to reflect {$0.00} not including the misplaced payment from XX/XX/XXXX and XX/XX/XXXX. I was never contacted, so I called to inquire. I was transferred to the executive office who mentioned that the the credit dispute office stated they were advised to list the account as closed and paid in full as of XX/XX/XXXX. I followed up by asking what balance have I been paying on for 14 months, I was told they would speak with accounting and let me know. I have called every day for the past 2 weeks trying to resolve this issue. They mentioned they have been working with the CFPB in regards to my account. So I asked if my account was one of the accounts related to the settlement that took place in XX/XX/XXXX. I was told that I would receive a letter that was issued by an automated system on XX/XX/XXXX explaining in full detail what is wrong with my account.
Product: Checking or savings account

My deposit was initiated XX/XX/scrub>/25,  completed per the employer on XX/XX/year>25 but Capital One is experiencing system outages and delays and it's now XX/XX/year>25. Since they're holding my money and making interest off of it, can I get that interest? This is absolutely ridiculous to tell people to " be patient '' with their money. Where's the patience when a credit card bill isn't paid by XXXX XXXX?
Product: Vehicle loan or lease

We were impacted by Wells Fargo when they foreclosed on our home in GA without any modification options. We even showed up to court and tried to settle with a modify and we were rejected. We had three XXXX XXXX  and were rendered homeless and had to move back to Illinois and stay with family till we could find a place to live, which with the foreclosure made it difficult and we spent many years in a run down rental house. They also after we moved to Illinois and finally got a car loan with them they repossessed the car as we made the payment and it was sold and they still tried to get money from us. They took payments and took the car at same time. They refused to return it even though they had the payments. Wells Fargo has done a lot of damage to us. As well as our checking account and my childrens savings accounts. They were minors and they took fees from them. They took my childrens little bit of savings.
Product: Mortgage

My mortgage company for my homestead is simply claiming they I owe much more than I do. They will not and have not provided me proof that I owe what they say. I have provided proof of my payments and they still claim that they have the correct total. They have my home in forclosure status. They have been abusive verbally to me on nearly every phone call I make to them.
Product: Credit reporting

im in the process of identity theft from my family members using my ss number and drivers license which they had no permission to use in the first place!
Product: Credit reporting or other personal consumer reports

The balance on the XXXX XXXX account number XXXX is not correct because I pas this account in full. 

Algo they are reporting this account in an improprer manner because the payment history reflects continued reporting a charge off after this account was closed on XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending a dispute to Transunion with proper identification ( see enclosed doc 1 ) information they sent a request ( see enclosed doc 2 ) for additional information that was already submitted. This violates the FCRA regulation that they have 30 days to investigate my concerns. This request is a commonly used delay tactic. According to the FCRA the following items should be immediately deleted : INQUIRIES XXXX XXXX XX/XX/2017 unauthorized XXXX XXXX XX/XX/2017 unauthorized XXXX XXXX XXXX   XX/XX/2017 unauthorized
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and XXXX submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX 
Account # - XXXX XXXX XXXX XXXX, consumer and natural person, am aware of all my rights. Rights protected by congress under the Fair Credit Reporting Act ( FCRA ) In accordance with the Fair Credit Reporting act XXXX XXXX Account # - 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan AS LATE FOR ANY PURPOSES.