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

I am writing to formally dispute an erroneous account from XXXX XXXX that is being reported on my credit report. The account in question is associated with XXXX XXXX, a company that closed all of its stores and filed for bankruptcy in XX/XX/year>. The account in question is no longer valid due to the company 's financial closure and bankruptcy proceedings, which renders this account 's reporting not credible. 

Additionally, I requested verification of this account from XXXX XXXX, and the company failed to provide the requested information. XXXX XXXX representatives confirmed that the trade lines associated with this account would be removed from all credit reports due to the company 's closure and inability to verify the debt. 

As this account is no longer valid and can not be properly verified, I request that you immediately remove it from my credit report. The continued reporting of this erroneous account is inaccurate and harmful to my credit profile, and I expect it to be corrected promptly. 

Thank you for your immediate attention to this matter.
Product: Debt collection

I have a personal loan with Security Finance in XXXX, TX. During my last renewal of the loan I asked XXXX, the representative who helped me with my renewal to place a note on my loan stating that they not call my phone during working hours ( XXXX - XXXX ) because that is my work phone and I can not take personal calls during the day. That did not stop their calls!! I have been a customer of Security Finance off and on for many years. I have always paid my loan payments. In the first week of XX/XX/2016 I notified the XXXX of the branch, XXXX, that I would not be able to make my payment until XX/XX/XXXX due to a job change and waiting on my State license for Mortgage Loan origination to be approved. The very next day I received a notice that Security Finance had made an inquiry on my credit report. I contacted the XXXX and she told me she was checking my credit to try and determine what was going on. I explained to her that she did not have a reasonable cause to pull my credit and that I was concerned that the inquiry would effect my pending license approval with the state. She told me she could pull my credit whenever she wanted. On XX/XX/XXXX spoke to XXXX XXXX XXXX XXXX XXXX XXXX and complained about the credit inquiry. She agreed that my credit should not have been pulled and would get the inquiry removed. I sent XXXX a message in writing that I should not be called before XXXX because the office was calling me at least 2 times a day on my work phone even though I had asked them not to. I asked her to please stop them from calling me during the day. Since that time XXXX, who works at the XXXX office has called me XXXX times during my working hours on my work phone. Some days I was called twice during XXXX day. She has even called my references even though they asked her not to call them. I called and left XXXX ( XXXX XXXX ) a message telling her about the calls and again asked her to tell the XXXX office to stop calling me. I intend to follow up this complaint with a lawsuit. This company has clearly violated the Fair Credit Debt Collections law. If needed I will gladly provide phone records and etc ... documenting phone calls and messages.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), XXXX Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA $ 605B ( 15 U.S.C . 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ) This account have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

the account XXXX XXXX is showing late or missed payments XXXX and XXXX of XXXX i have provided a letter from the creditor stating that the was no missed payment.
Product: Credit card or prepaid card

I recently moved and reported my address change and they asked me to submit documents. So I did so using their website they gave me all they needed at first was a selfie and a picture of my drivers license then I call them they say give it one to two business days. It has been two weeks and they still havent released my benefits and I need to pay bills..
Product: Checking or savings account

On XX/XX/20 my water bill for {$65.00} was returned unpaid ( even though I had over {$160.00} in the account ) and i was charged {$25.00} from the water company bringing my bill to {$90.00}. After speaking to numerous usaa agents one told me it was an error, another said it was because I had a {$110.00} pending charge the next day, but if that were the case the water bill should have cleared first & there were several hundred dollars in deposits the next day. They continue to process even pending debit charges first to bounce the most ach charges because they can charge nsf fees on those. If you review the attachment I clearly had funds to cover the water bill. I would like a {$25.00} refund or a letter that it was an error and for them to follow bank laws regarding not reordering items to maximize fees.
Product: Credit card

I have a perfect payment history with Barclay Card and for months now, they put 10 business day holds on payments made for no reason. While on hold, they have my funds already cause it cleared my bank, yet they just sit on it for 10 days. This is beyond ridicuolous cause it effectively freezes any spending from happening.
Product: Credit reporting or other personal consumer reports

On XX/XX/23 USAA Federal Savings Bank ran my credit report. I believe they do not have any permissible reason by law to run my credit report and I'd like to know why they did it. I am not a customer, did not request credit, did not apply for credit and do not bank with them. I believe they violated FCRA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've filed a dispute and it has been well over 30 days and I haven't received any investigation results.
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 removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EXPERIAN BUSINESS CRED  XX/XX/XXXX EXPERIAN BUSINESS CRED XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This account was removed due to identity theft. This account is not mine. The account wasnt validated and/or verified. The account is now reporting again on my credit report. Account XXXX is a clear violation of 15 U.S.C. 1681 ]. ( a ). Account XXXX should be promptly removed to prevent further damages related to the FCRA violation. The information in incorrect. It hasnt been validated. XXXX and XXXX deleted and blocked reporting so this account hasnt resurfaced on my credit profile with them. Experian needs to do the same.
Product: Student loan

To whom it may concern I am making a formal complain due to the inconsistencies and the stress trying to manage our student loans has been.

1. I was one of the borrowers placed on administrative forbearance for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX due to account updates and billing date issues. At the time was very confusing due to the fact I am on track for XXXX. I received a formal notice about why this was taken place on XX/XX/XXXX. Prior it was multiple calls with different reps and trying to get information from social media. This has caused so much stress. Also, it is XX/XX/XXXX and the XXXX month is not being counted towards my XXXX, in fact is not appearing at all. ( please see attach document ). I have called multiple times, and was told it will update with IDR adjustment, in XX/XX/XXXX or by the end of the month. Extremely inconsistent and I am left to wonder what is going on and if I am ever going to be XXXX. Is my payment count ever going to be updated. 

XXXX. There needs to be a message regarding processing payments. Basically, I paid my XXXX bill on time XX/XX/XXXX. My payment was taken from my account and on XX/XX/XXXX. I received a pass due bill stating I owed XXXX and XXXX. This was extremely upsetting, I spent time calling my bank, XXXX minutes for a call from Mohela. The rep was extremely nice and explained he was not sure why but could be due to the processing time. I suggested for them to have a message on the site, explaining this. I almost had a XXXX XXXX thinking there was something wrong with my payment. Again, I am playing on a loan that should be forgiven, since I have been working in public service since for more than 10 years. ( see attach documentation ) XXXX. Lastly there has not been any updates since my loan was sent to review back in XX/XX/XXXX to the department of education. Every time I call they say no updates and to wait. There is no notice on when this is going to be taking place. Moreover, specific payment of XXXX  waiver for XX/XX/XXXX and XX/XX/XXXX are not being counted. A random forbearance for XX/XX/XXXX is also not being counted it. I spoke to a supervisor, and an XXXX  ombudsman and apparently I was told Mohela is refusing to count it, until the XXXX waiver. When is this going to be reviewed on my account. For XX/XX/XXXX and XX/XX/XXXX proof of payment was submitted and any deferment placed should not be there. I signed a waiver ( see attach documentation ). Please, this is time consuming and extremely detrimental for XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> Transunion led me to believe i had the right to freeze and unfreeze my credit profile at anytime. 
While trying to unfreeze my profile i was informed my identity couldnt be verified so they forward my cal to a rep while speaking with a rep at Transunion i was told i was to answer a couple of security questions which was generated by the computer after the questions they stated i failed and locked me out of my credit profile. 
Transunion now have my credit profile locked where lenders can not extend me the credit i apply for causing a hardship because i am being denied credit due to the freeze on my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} Bankruptcy XXXX XXXXXXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Child support Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Bankruptcy : XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Product: Mortgage

In XX/XX/2021 our home loan was excepted into a modification plan for missed payments due to XXXX. We were placed on a XXXX month trial with the first payment due XX/XX/2021. In XX/XX/2021 our loan was transferred to a new servicer ( ShellPoint ). I made several attempts to make contact with Shellpoint regarding my XXXX payment that had not shown on our account, I was on hold for as long as XXXX minutes and then be disconnected. When I was finally able to speak to a representative I was informed that my modification had been cancelled for lack of payment. I explained to the representative that I was not notified of this. As I investigated further Shell Point has been sending my statements to an address that I have never been associated with. Even after bringing this to ShellPoints attention, they continue to send my personal information to other addresses. On XX/XX/2021 I discovered that they have sent another statement to the wrong address. They will not except my monthly payments to all back payments are made
Product: Credit reporting or other personal consumer reports

XXXX  information was wrongfully gained by the companies listed below resulting in inquiries to XXXX XXXX report. All of the following inquiries should be removed from XXXX XXXX report immediately : XXXXXXXX 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

On XX/XX/2022, I wrote to the credit bureaus and requested an investigation into some items reporting on my credit. Once the initial letter was sent, I waited XXXX days for the results, but nothing was ever verified. At that time, on XX/XX/2022, I requested a re-investigation into those same items since they were still appearing on my credit report. Waited XXXX days again, and the items still appear on my credit report and they have not been verified as required by the FCRA. The accounts in question are as follows : XXXX XXXX XXXX XXXX This was a pay per delete account. 

XXXX XXXX XXXX XXXX Provide the method of verification to show why this account is reporting as a negative XXXX XXXX XXXX XXXXXXXX Provide the method of verification to show why this account is reporting as a negative XXXX XXXXXXXX XXXX I have never been late on this account XXXX  XXXX This is a pay per delete account XXXX XXXX XXXX  XXXX I have never been late on this account XXXX XXXX  XXXX I have never been late on this account
Product: Debt collection

XX/XX/XXXX- ID XXXX {$60.00} Debt was paid to XXXX by my primary and secondary insurances. XXXX XXXX XXXX XXXX of Illinois and XXXX of Illinois.
XX/XX/XXXX- ID XXXX {$60.00}. XXXX did not bill XXXX of Illinois XX/XX/XXXX-ID XXXX  {$62.00} XXXX did not bill XXXX of Illinois.
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On XX/XX/XXXXI called XXXX and spoke with XXXX, case number XXXX, and she said all the payments were finalized and there are no debts on my account.
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I have received no further communication from XXXX. Recently, I ran a credit report and then was notified that I was turn into collections for the XX/XX/XXXX and XX/XX/XXXX bills. I have called XXXX and spoke with XXXX XXXX at XXXX to attempt to resolve this issue. XXXX XXXX. told me that this is my issue and the debt must be paid through the collection agency Financial Corporation of America Corp. I called Financial Corp. of America Corp at XXXX. I spoke with XXXX XXXX. XXXX XXXX. refused to give me any ID number and refused give me the regulatory agency to file the dispute of this debt. XXXX XXXX. did confirm that I claim to dispute this debt and that she would write this in the file.
I mailed the dispute letter to Financial Corp of America Corp by certified mail XX/XX/XXXX.
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I would appreciate this debt being removed from my credit report.
Thank you.
Product: Credit reporting or other personal consumer reports

Concern that TransUnion is reporting inaccuracies on the credit reporting when I have a right to PRIVACY, title ( 15USC1681 A, 4 ) fairness impartially as respect for the consumer rights, delete the following information as follow see attached. under the title, ( 15USC1681E, B ) credit reporting FCRA Fair Credit Report Act regulates credit agencies and covers situations such information is reported is 100 % accuracy ( B ) report whom a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates background report title ( 15USC1681E, B ) maximum possible accuracy of the information concerning the individual report. Title ( 15USC6801 A ) Protection of Nonpublic Information Personal Information Obligation policy of Congress that each financial institute has an affirmative and continuing obligation to respect the PRIVACY of its customers and to protect the security and confidentiality of those customers nonpublic personal information ( B ) financial institutions safeguard in furtherance of the policy in subsection ( A ) each agency or authority described in section ( 6805 ) with the title ( 15USC6802 ) obligation concerning disclosures of personal information and ( 15USC6803 ) as congress stated subsections remove the following accounts from the credit report. Non-compliance {$1000.00} is Civil Law Suit Delete the following information see attached
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$560.00XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX : {$150.00} XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX XXXX : {$520.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Balance : {$300.00} XXXXXXXX XXXX Inquired on XX/XX/20XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX Inquired on XX/XX/2021 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I am writing to demand the immediate cessation of a range of unlawful activities involving my account with XXXX XXXX As a concerned customer, I have discovered a multitude of unauthorized actions that have taken place without my consent, which has left me deeply troubled. I insist on the following corrective measures : XXXX XXXX XXXX, Fraud, False Reporting, Extortion, and Unauthorized Use of My Social Security Number XXXX XXXX XXXX has engaged in a pattern of XXXX, fraudulent activity, false reporting, and extortion. Moreover, my Social Security Number ( SSN ) was used without my consent, a grave violation of my privacy and security. I demand that XXXX XXXX cease and desist from any further unlawful activities immediately. 
Return of Stolen Funds and Removal of Unauthorized Securities : I assert that XXXX XXXX is responsible for the misappropriation of my personal and financial information, which has resulted in the loss of funds. Additionally, securities were taken out without my consent. I demand the prompt return of any stolen funds and the removal of unauthorized securities from my account. 
Account Closure and Removal of Derogatory Marks : In light of the criminal activities conducted by XXXX XXXX, I hereby request the immediate closure of my account with your organization. Furthermore, I demand the removal of any derogatory marks associated with my account due to these unlawful actions. 
Violation of Applicable Laws : It is essential to acknowledge that the actions of XXXX XXXX have violated several relevant laws, including : a. The XXXX Influenced and Corrupt Organizations ( RICO ) Act, 18 U.S.C. 1961-1968 b. The Federal Fraud Statutes, including 18 U.S.C. 1343 ( Wire Fraud ) and 18 U.S.C. 1341 ( Mail Fraud ) c. Laws governing False Reporting, such as 18 U.S.C. 1001 d. Laws governing Extortion, including state and federal extortion statutes e. Unauthorized use of personal information, a violation of privacy laws I insist on your full cooperation in addressing these issues and complying with my demands. Failure to do so will result in my pursuit of legal action to protect my rights and interests and to ensure that XXXX XXXX is held accountable for its unlawful actions. 

Please contact me at XXXX or via email at XXXX to discuss the specifics of returning stolen funds, the removal of unauthorized securities, the closure of my account, and the removal of derogatory marks. 

I expect a prompt response from XXXX XXXX regarding these demands, outlining the actions you will take to rectify this fraudulent and illegal situation. 

Sincerely, XXXX 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 rights to privacy and confidentiality under 15 U.S.C 1681. 
..Account # XXXX XXXX XXXX XXXX XXXX XXXX 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 1681section 602 A.States I have the right to privacy..

.15 U.S.C 1681 section 604 section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions..

.15 U.S.C 1681 ( 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 1681 5-2 ( 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 ....