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

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello Consumer Financial Protection Bureau, Could you contact Appfolio Consumer Relations Agency to conduct a thorough investigation of my Appfolio consumer relations account to determine whether or not Appfolio Consumer Relations Customer Support Representative ( XXXX ) is an employee at Appfolio Consumer Relations Agency? CFPB, why did XXXX state in her email You also have the right to request that we send notification that your report has been modified to any person who within six months prior to the date of this letter received a consumer report about you from AppFolio that contained the disputed information. CFPB, I replied to XXXX email and asked he/she to contact XXXX XXXX XXXXXXXX and provide XXXX XXXX XXXXXXXX with an updated copy of my Appfolio Consumer Relations Report. CFPB, XXXX replied to my email and stated, he/she couldnt send a updated copy of my Appfolio Consumer Relations Report to XXXX XXXX XXXXXXXX after explaining to me he/she could send a updated copy of Appfolio report to any person I asked the agency to send the report to. CFPB, I have attached screenshot images of my supporting documentations to support my complaint against Appfolio Consumer Relations Agency.Also, CFPB I couldnt recover my email to Appfolio Consumer Relations Customer Support Representative ( XXXX  ) who assisted me with my complaint. CFPB, I could only recover XXXX reply emails.
Product: Debt collection

I have disputed this several times thru the credit agencies. On XX/XX/2021 I sent Trident Asset Management a Letter of Verification asking them to give me information about his account. On XX/XX/2021 they send me a bill. They never sent me and type of proof that this account is mine, because it is not.
Product: Credit card or prepaid card

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The XXXX XXXX XXXX  is reporting inaccurate information on WELLS FARGO. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Bank account or service

The bank ( Citizens Bank NA ) took all of the money in my checking and savings accounts in XXXX 2016, most of which was my Social Security XXXX check, closed my accounts, and has not returned my money. This was due to me allowing some shady " Loan Companies '' access to my accounts, stupidity on my part, and in the course of their investigation, the bank decided that we could no longer do business, closed my accounts, and kept my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

State Farm- On XX/XX/XXXX someone from State Farm pulled my credit report. I am a vicitim of identity theft. I called State Farm on numerous occasions and was told to write a letter. I wrote 3 letters and have never received any information and the inquiry is still showing up on my credit report as of today XX/XX/XXXX. 

XXXX XXXX- On XX/XX/XXXX someone from XXXX XXXX  pulled my credit report. I am a vicitim of identity theft. I called XXXX XXXX  on numerous occasions and was told to write a letter. I wrote a letter and have never received any information and the inquiry is still showing up on my credit report as of today XX/XX/XXXX. 


XXXX XXXX- On XX/XX/XXXX someone from XXXX XXXX pulled my credit report. I am a vicitim of identity theft. I called XXXX XXXX on numerous occasions and was told that the inquiry would be removed from my report. I never received a letter to confirm this and as of today XX/XX/XXXX it is still showing up on my credit report. ( XXXX  )
Product: Credit reporting or other personal consumer reports

transunion they kept verifying my info without providing proof
Product: Credit reporting, credit repair services, or other personal consumer reports

Well how can I explain this scenario of change of identity through XXXX XXXX University, I started going to school in XXXX of XXXX after completing the five years I have come to find out that there was a change in my identity in the year of XXXX can remember when the school reached out to me in the year of XXXX  about enrolling, that it would help me with my career, which it has not help me at all and I am stuck with {$140000.00} XXXX student loans .Recently there has been a class action lawsuit against the school that has defrauded consumers going to a for profit school.I have ask for a discharge from all of my students loans because the change of identity the enrollment form with my hand written SSN on top of the enrollment form and the student ID on top of the enrollment form is not the student ID number which was used at XXXX XXXX XXXX I am fighting this is because its on my credit report, which I want it removed because the change of identity in the year of XXXX This has been a 21 years process where my identity was changed on a job and has followed me all these years., My identity was changed while attending the school which is not legal because I did not change my identity never while attending XXXX XXXX University from the years of XX/XX/2009 until XXXX XXXX. I am also filing this because the fraudulent change of identity .The class action lawsuit is schedule for a hearing on XXXX XXXX have been living in this nightmare since XXXX XXXX with the change in identity which I was not solely responsible for the change in my identity. in the year of XXXXI have no ideal who handwriting it is on top of the enrollment form for XXXX, plus I received a document that I have no Pell grants or student loans, so who is behind all of this change in my identity I have no clue which has puzzle me since 21 years ruining my character and reputation which has been a painful experience which has my life at a stand still for the past 21 years which can not use my SSN for nothing since al this has occurred sine XXXX XXXX. I filed for discharge or loan forgiveness after learning of the for profit school behavior in changing my identity last year under XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing all inaccuracies in my credit report with Equifax.
Product: Credit card

Ensuring payments are always made on time on this account has been a priority, preventing them from becoming overdue. I am unclear about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report. 

Dear CFPB, I am filing a formal complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for the account XXXX with XXXX  XXXX. 
Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), my requests have been ignored, which is in violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case.

TILA Violations The Truth in Lending Act ( TILA ) emphasizes the necessity for accurate and timely disclosures to consumers. The incorrect reporting of late payments has caused undue harm to my creditworthiness and credit score, thereby violating my consumer rights under TILA.

Protection Against Non-Payment of Obligations Act ( PAANL ) This act further reinforces the responsibility of creditors to provide timely statements, ensuring that consumers are not unfairly penalized. The discrepancies in the reporting of my payment history suggest that this obligation was not met by the creditor, leading to significant harm to my credit standing. 
Evidence of Errors in Payment Reporting For the account with XXXX  XXXX, the following discrepancies have been observed across the credit bureaus : Equifax : The account incorrectly shows two 30-day late payments in XX/XX/XXXX and XX/XX/XXXX, while all payments were submitted on time. 
Pattern of Inaccuracies The continued incorrect reporting of late payments across XXXX, XXXX, and Equifax reflects a pattern of inaccuracies. These late payments have been falsely reported despite my payments being made on time and my account being in good standing. 
Request for Immediate Correction I am formally requesting that these inaccuracies be corrected and that the incorrect late payment notations be removed from my credit report. The information should be updated to accurately reflect my payment history, which has been on-time. If this issue is not resolved within 30 days, I will escalate my complaint further, including legal action and filing additional complaints with relevant regulatory agencies to protect my consumer rights. 
Thank you for your prompt attention to this matter. I look forward to receiving written confirmation of the removal of these inaccurate entries. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Have insurance with maximum out of pocket of XXXX. Paid all XXXX have proof, actually sued in XXXX XXXX wv to other debt collectors for collecting on a debt that they now acknowledge paid I have never seen this debt. I paid this small charge because cheaper to protect my credit. But this needs removed. We are filling suit this Friday on Ohio magistrate court to remove and award damages for false reporting
Product: Credit reporting or other personal consumer reports

This is my follow up complaint. I have noticed that an inquiry and inaccurate information persist on my credit profile. Previously, I requested that you conduct an investigation into the inquiry on my credit report to determine its authorization. I understand that your investigation has concluded and supports my assertion. Therefore, I kindly request the expungement of this lingering inquiry and inaccurate data. Additionally, I request updated copies of my credit reports devoid of these remaining items. Below are the details of the disputed items : EXPERIAN : XXXX XXXX XXXX XXXX, WA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXX WA XXXX -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. It is crucial to note that these disputed items do not pertain to any transactions initiated or authorized by myself. In accordance with the Fair Credit Reporting Act Section 605B ( a ), you are mandated to remove any items opened without my knowledge, consent, or authority within four business days. This removal necessitates suitable proof of consumer identity, an identity theft report copy, consumer identification of the disputed information, and a statement attesting that said information does not pertain to any transactions by the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company is Sterling Talent Solutions Negative information from 10 years ago provided to employer on a 7 yr criminal history report provided by Sterling Talent Solutions Have contacted company several times about this with no answer or return phone call.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has an automated system that is trying to verify Me with information that does not pertain to me. There is and never had been a mortgage on my credit report but it is requiring that I verify who a mortgage was taken out with in XXXX and how much is the monthly amount. I have no idea because I have never had a mortgage and a mortgage has never shown on my credit report or I would have disputed it. I also did not attend any colleges in XXXX but it wants me to verify a student loan that I never had and I was not enrolled in college in XXXX. Equifax has rigged the questions so that I can't answer them to remove the freeze temporarily ; none of the questions apply to me.
Product: Checking or savings account

PNC has made changes that prevent me from linking my account to XXXX. I want to pay my rent this way.
Product: Credit reporting or other personal consumer reports

I did know that this company had sent false information to XXXX until today. XXXX XXXX. 
They told XXXX that I owed them 2 months of payments for a loan. This was not a loan it was a saving account to save money. They told XXXX I was behind 2 months on a loan. I have never borrowed any money from Kickoff lending, I purchased a book from them more than 2 years ago but this was paid off, never late not one time. I had very good credit with Kickoff and now they told XXXX I was 2 months behind on a loan I got from them. I had a saving account with them but they said I would be able to see the saving on their website but it was no where to be founded I then tried to contact them about the saving account but was unable to get any response from them about it. You can not call them only e-mail or by mail. I sent several e-mails to them over some weeks but no response from them so later some weeks ago I sent them a letter requesting them to close the saving account some weeks later because I was never able to see the amount in the saving account, They said I could see the saving account on their website but it was not there of which I received and e-mail stating they had closed the account and they would send me my money, so far I have not received it. It was a saving account not a loan but they told XXXX it was a loan which is not true. They said I was 60 days pass due on the loan but it was a saving account not a loan. They would have known I wanted to close the account if they had answered my many e-mails. They say it was a loan but it was a saving account. I was never able to contact them about the saving account. If they had answered my e-mails then they would have known I wanted to close the account because I was not able to see the money I had put into the savings. It was not on the website to view. They said it was on their website but it wasn't .there to view. Each time I tried to view the account it was not there. I tried to close the account by e-mails but I never got any response back from them so finally I sent them a letter requesting the account to be close so they finally close the account after about a month and said they would send me my money but they haven't sent it. I don't understand why it was not on their website to view when they said it would be there. I never saw it on their website. I search all over their website and it was not there. They told XXXX it was a loan but it was a saving account and that I was 60 days pass due. It took me more than 2 months to get in touch with them, That's when I sent the letter to close the account. They never answered my many e-mails. They told XXXX it was a loan but it was not a loan but was a saving account.
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 USC 1681. 

XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, DEPT OF XXXX / XXXX # XXXX, DEPT OF ED / XXXX # XXXX, DPT EDXXXX XXXX XXXX, DPT EDXXXX # XXXX XXXX DPT EDXXXX # 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.

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: Debt collection

XXXX HAS SOLD OR OBTAINED A CREDIT COLLECTION COMPANY ON XX/XX/2021. THEY HAVE BEEN INFORMED BY MYSELF MULTIPLE TIMES THAT THIS DEBT DOES NOT EXSIST. NOW THEY HAVE BEGUN TO NEGATIVELY AFFECT MY CREDIT SCORE.
Product: Mortgage

My wife filed bankruptcy in 2012. The lawyer advised us that this would not effect me because I didn't file. The mortgage with Wells Fargo was in both our names. Because she filed bankruptcy they stopped reporting my payments and balance for the mortgage on my credit reports. I call every year asking them to start reporting on my reports. They want me to reaffirm the loan, but I was never released from the debt. I still continue to make my monthly payments. In XXXX someone from the company added to my report as a one time courtesy. It's unfair that I am responsible for this loan and can not get credit for it on my reports.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inclusion of inaccurate bankruptcy information on my credit report. Upon reviewing my report, I discovered references to a bankruptcy filing that do not pertain to me. I have never filed for bankruptcy, and this erroneous record appears to be the result of a mix-up with another individual who has a similar name or address. This mistake is causing undue harm to my creditworthiness, and it is critical that the inaccurate information be corrected. Specifically : 1.The bankruptcy language must be removed entirely from my credit report as it is not associated with me or my financial history.

2.Any accounts, notes, or status changes related to the incorrect bankruptcy should also be removed or updated to reflect accurate information. 

To assist with this dispute, I am providing the following details and documents : My personal identifying information : XXXX XXXX, SSN : XXXX, DOB : XX/XX/year> Proof of identity and address : A copy of my government-issued ID and a recent utility bill to confirm my identity. 

This situation seems to have arisen from the merging of my file with someone who has similar identifying details. I request that your agency : 1.Investigate the origin of this bankruptcy record and verify its accuracy.

2.If the information can not be verified as accurate and directly associated with me, it must be permanently removed from my report under the Fair Credit Reporting Act ( FCRA ).

3.Provide a written confirmation that the bankruptcy language and any related references have been removed from my credit report. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX Reference number : XXXX
Product: Money transfer, virtual currency, or money service

On or about XX/XX/XXXX my Robinhood account was restricted. The day prior I had withdrawn funds and transferred to my bank account. Which I only did small amounts in the past not that this one was huge. Funny that when I spend money on robinhood it's a no issue. But when withdraw they restricted me.

They asked me to submit an ID, selfie, and bank statement. Which i did and they originally gave me a date of XX/XX/XXXX for resolution. 

That date came and I attempted to call. The guy I talked to asked for verification questions then said they couldn't verify me and I needed to upload my ID again. I asked to speak to a supervisor and he hung up on me. 

I then recieved an email asking to upload my ID. I complied. 

Now my account said resolution by XX/XX/XXXX. 

When I attempted to call or chat after that I then started getting a message that my case was closed. Yet it was not. I recieved an email that Robinhood needed to do further review with yet another case ID. At this point the date has changed to XX/XX/XXXX for resolution. 

Finally I called and used the new case ID and spoke to another person. They informed me that there was yet MORE information needed. Questions to start. Questions like what do I do with my money, where do I send jt, where do i spend it what crypto services do I send or receive with other than Robinhood.

Then they asked for a screenshot of my cold wallet I had attempted to send funds to. I complied with that. 

My date changed to XX/XX/XXXX for resolution. 

At this point it is now saying XX/XX/XXXX for resolution. I have yet to hear anything. Calling, chatting or email ROBINHOOD is pointless as it's always genetic answers if any.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting an inaccurate public record on my credit file. I have notified them that that is not my account. This account is reporting a date of XX/XX/2009. This is not my public record. Please assist me in getting this public record removed from my Transunion report. Transunion is the only credit agency that is reporting this inaccurate information on my credit file.
Product: Credit card

I previously filed a CFPB complaint because Discover Bank, XXXX, XXXX, and XXXX are in direct violation of the FCRA and CFPB regulations as they are knowingly reporting inaccurate information. I have disputed this account on several occasions with the credit bureaus as well. Section 623 ( a ) of the FCRA generally prohibits a person from furnishing inaccurate information to a CRA. For example, XXXX currently shows a balance of {$1100.00} and a status of XXXX with {$200.00} past due as of XXXX  2024, XXXX  is currently showing a balance of {$1100.00} and an original balance of {$1100.00} with the initial limit as {$500.00} and shows last payment ofXX/XX/2024and is reporting XXXX late payments with a payment status of XXXX  days late and a past due amount of $ XXXX is reporting a balance of {$1100.00} with a credit limit of {$500.00} and has a payment status of not more than XXXX payments past due while showing XXXX late payments in the payment history and asked that this inaccurate account immediately removed from the credit reporting agencies immediately or a I will request the maximum amount per each violation. 

However, this account still remains even after I contacted Discover to advise of fraud and this morning my credit score dropped XXXX pts on XXXX alone because discover is reporting me as XXXX  days delinquent on an account that I requested to have closed and XXXX  days delinquent on XXXX  which the account also shows as closed. This is causing me great financial hardship and affects the way that I take care of my family and run my business. I ask that this account be removed immediately.