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

This is the several time I've complained about being a victim of identity theft. The XXXX credit bureaus must remove any item that was 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 XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX Balance : {$370.00} XXXX XXXX  XXXX Balance : {$5100.00} XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

I am writing to request that the following accounts and inquiries be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and as such, I am entitled to request the immediate removal of fraudulent accounts and inquiries from my credit history. 
The following accounts should be blocked and deleted from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, the following inquiries should be blocked and removed from my credit report as they were made due to unauthorized access stemming from the data breach : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Mortgage

This pertains to a Zombie Mortgage Loan. I obtained a HELOC in XXXX in amount of {$65000.00}. In XXXX another lender either charged off the loan or forgave the debt and Full Reconveyence of deed was issued to me. I was sued in XXXX by Bosco Credit , LLC. Up until then I had never heard of or from them. They stated they were the rightful owners of the loan and the party who did reconveyence. Bosco Credit recently foreclosed auctioned my home. The loan went back to the lender. I am attempting to reach out to lender to settle the debt so there is no eviction with no success. There was no previous attempt by lender to discuss foreclosure avoidance. Lender is Bosco Credit , LLC and Franklin Credit Management Corporation. Phone number is XXXX.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX Case Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Did not give disclosures and money sent to wrong person
Product: Debt collection

I received a call from a different lady saying she was going to come to my house and shoot me. 

I have been contacted countless times by Continental Credit. They are looking for an XXXX XXXX. I have no idea who that is, but the company will not stop calling me. Today, I received at least 10 calls, and I spoke to a nice, professional lady who said they would no longer call me. 

After that, I received a call from a different lady saying she was going to come to my house and shoot me. The call came from ( XXXX ) XXXX. I called the professional Continental Credit number back at ( XXXX ) XXXX and they said the lady worked for a sister company and her supervisor was XXXX XXXX, ( XXXX ) XXXX. XXXX XXXX completely denied the phone calls and the phone number saying that no one worked for his company from that number. He acted like this number was n't in the records, when the previous people said it was and that he was the supervisor. 

I looked the phone number up myself on the internet and found it belonged to XXXX XXXX who works for Continental Credit. So, obviously, XXXX lied. 

What do I do to stop Continental Credit from calling and harassing me? My credit is perfect. I have had my phone number around 10 years. I have no idea who XXXX is. My number has been on the " do not call '' registry for years.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit report act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several inaccuracies on my credit report. 

All accounts referring to XXXX XXXX, XXXX 's XXXX 's, and XXXX XXXX are incorrect and were opened in an instance of identity threat. Please remove them immediately. 

All inquiries from the same ( XXXX XXXX, XXXX XXXX, and XXXX XXXX ), as well as XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( I don't know who this is ), XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX
Product: Credit card or prepaid card

During my last billing cycle for my Lowes store card my payment for the full balance ( {$250.00} ) was withdrawn from my bank account twice. When I first contacted the company about this issue on XX/XX/XXXX they refused to even begin processing processing a refund because according to their internal accounting system the second payment was still listed as " pending ''. I tried to explain to them that the money had already been electronically transferred out of my account and that their accounting system did not accurately reflect the current situation. Timing of the refund was important to me because I had several checks outstanding that would bounce if the funds were not returned promptly. Sadly they were unwilling to budge. Patiently I waited until their system showed my payment as completed on XX/XX/XXXX and called them back. Again I encountered stiff resistance to promptly issuing a refund. The person I spoke with initially that day, and then their supervisor, both claimed the only way they could issue a refund was via check which would take at least seven business days. The supervisor even went so far as to claim that it would be a violation of banking regulations ( a criminal act ) to issue a refund electronically using an ACH transfer. The only way they were willing to expedite the refund was if I sent them a letter from my bank ( on official letterhead ) showing that two payments had been withdrawn from my account. I still do n't understand why they would require proof directly from my bank after making me wait until their accounting system showed receipt of two payments. Nonetheless I offered to send  proof via email but they were only willing to accept a fax, which I do not have access to. Their insistence on communication via fax is perplexing because they are constantly trying to trick me into signing up for email only delivery of my statements via repetitive and confusing pop-up windows. I 'm truly frustrated by the refusal to promptly correct a simple mistake and issue me a refund. Even more troubling is someone in a supervisor position actively lying to me about federal regulations, which of and in itself may constitute a criminal act.
Product: Credit reporting or other personal consumer reports

I had an item in dispute regarding an account with XXXX XXXX which is listed on my experian credit report. I applied for a mortagage and requsted that the remarks associated with the account be removed from my credit report as this was preventing me from obtaining a mortgage but this remark is still on my credit reoprt. My credit report is still showing that the item is disputed by the consumer. I have written more than XXXX letters to experian requesting the remark on the account to be removed and it's still on my credit report. I spoke to specialist on Monday XXXX XXXX and I was informed that the remarks was not on my credit report and I would get a copy of my credit report in the mail to prove that the remark was removed. I recevied the credit report XX/XX/year> which was dated as XXXX XXXX and the remark is still on my report. This remark on my credit report is causing me great harm and is affecting my ability to get this loan which I need urgently because I have already sent in a letter to my landlord terminating my lease at my apartment. I ask that this matter be address because experian is reporting inaccurate information on my creit report saying I am disputing an account which I am not.
Product: Credit reporting or other personal consumer reports

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. I demand to DELETE the following accounts from my Credit Report!. 

XXXX. XXXX XXXX XXXX # XXXX {$9300.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XX/XX/XXXXand TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

As of XX/XX/XXXX I have learned that my identity has been stolen and used fraudulently. I have included several documents for evidence of proper reporting of the matter. I have mailed my complaints as well as attempted direct complaints with XXXX, Experian, XXXX and XXXX XXXX, although Experian did not provide an online option for my needs. There have been multiple instances of false personal information, addresses, hard and soft inquiries, phone numbers & email addresses. I have spent a great deal of time since my knowledge of the matter beginning in XXXX of XXXX, trying to clear all of the errors up. I filed disputes on XXXX of XXXX which remedied several items but not all and thus leading me to spend even more time and money to research remedies and to provide all of the additional documents ( included ). I have also found multiple instance of privacy violations which are addressed in the documents as well. I have since also froze all of those mentioned. As of this time, my home has incurred over {$50000.00} worth of loss and damages since XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX and XXXX credit bureaus XX/XX/year>, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX Balance Owed : {$8500.00} XXXX XXXX XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX XXXX XXXX Balance Owed : {$770.00} XXXX XXXX XXXX XXXX Balance Owed : {$550.00} XXXX XXXX XXXX XXXX Balance Owed : {$4000.00} XXXX XXXX XXXX XXXX Balance Owed : {$8900.00} XXXX XXXX XXXX XXXX Balance Owed : {$6000.00} XXXX XXXX XXXX XXXX Balance Owed : {$8400.00} XXXX XXXX XXXX XXXX Balance Owed : {$400.00}
Product: Checking or savings account

I have been in contact with Marcus Goldman Sachs since XX/XX/2024 - today XX/XX/2024 regarding getting my account unlocked ( which they just locked out of the blue one day for unknown reasons ). I have called at least four times each month and they keep telling me they will send me an Affidavit of Identity for me to fill out, get notarized and send back to remedy the problem, yet as of this date still haven't sent it. They also keep saying they will call me back to help me with this issue and haven't done that either. I am unable to access my money in order to pay my bills and it has put me in a very bad position.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed late in XXXX that Capital One has reported inaccurate information on my credit reports. My credit reports shows that i have been late a total of 13 times and that's not accurate. I contacted Capital One several times to resolve the issue. They informed me that I was only penalized four late payments since the credit card was established. Out of the four, two of those late fees were disputed and refunded to me, and that information is Highlighted on the statement summaries attached to this complaint. On XX/XX/XXXX, I had a late fee which was Adjusted after I called Capital One to dispute that it was an error on their end which they agreed to. The adjustment can be seen on my XX/XX/XXXX statement summary. 
On XX/XX/XXXX, I had another late fee of {$35.00} and it was also refunded and can be seen on the XX/XX/XXXX statement summary. I reached out to capital One to inform them that XXXX   has 13 late payments on my report and they told me it has nothing to do with them because their system doesnt show 13. I was advised to contact Experian and have them correct my report. I filed two disputes through XXXX to have the report corrected and Capital One failed to reply to the them in time. I filed another this dispute with XXXX  on XXXX XXXX and never received a response from Capital One. It is absolutely absurd that Capital One refuses to correct my reports. How can they report me for 13 late payments when i was only late and penalized 4 times?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing information showing on my consumer reports with Experian, for multiple years that should not be on my consumer report. There are are multiple accounts, addresses, inquiries, phone numbers, and late payments showing in my consumer report that have been severely been negatively harming my family and myself for years, causing me emotional, XXXX  and financial anguish. I've been a victim of Identity theft for multiple years and Experian, XXXX and XXXX have been aware of this. I was even informed by Experian that another person has been using my social security number for multiple years. I've disputed these items in my consumer report multiple times via telephone, online and via mail in which I've sent certified mail with return receipts. Experian has violated many of my rights pursuant to the FCRA.

Pursuant to 15 USC 1681 ( a ) ( 4 ) - You did not exercise your grave responsibility with fairness, and impartiality. You also infringed upon my right to privacy. The proof of this, is that you furnished multiple accounts & transactions in which you can not even prove took place, and never consulted with me to obtain proof that these transactions took place at all. You then solicited and advertised these transactions for anyone to see! This is irresponsible, unfair, impartial and a major infringement upon my right to privacy.
Product: Debt collection

On Thursday, XX/XX/2020 at XXXX XXXX  Pacific Std Time, CBE Group contacted me via cellular phone. 

1. They are attempting to collect a debt that I do not owe.

2. Representative stated that they knowingly called a cell phone and are in violation of the TCPA.

3. Representative stated that she got my unlisted and private phone number from " someone '' but refused to say who or how. This is simply impossible. There are 1 of 3 scenarios that could have occurred to gather this information, and all 3 are highly illegal.

4. We're about to " unmask '' the truth. The public had better take notice. These are the types of criminals walking free throughout the USA.
Product: Checking or savings account

I downloaded an XXXX app called XXXX and my Chase bank is supposed to send the information that the apps company needs ASAP. However the bank is slacking which I know is considered misbehaving..
Product: Debt collection

I pulled a copy of my credit report and notice the 3 major credit reporting agencies were reporting Lvnv funding collections account. I ask them to do an investigation because I thought it was an error on their part. The credit reporting agencies responded stating that the lvnv funding verified that the account is reporting accurately.

I wrote a letter directly to them asking them for the following information Please provide me with the following : ( 1 ). Full accounting for this account : ( 2 ). Copy of the assignment of purchase from the creditor ( 3 ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( 5 ). Full chain of assignments from charge off to present ( 7 ). If Purchase the debt from the original cre
ditor then proof that you own the debt with full clear title ( 8 ). Proof that you were on the original contract They responded with a computer generated statement a 15 year old can create as proof that the account belong to me.
Product: Payday loan, title loan, or personal loan

Cashnet payday loans allowed a loan to be processed in my name without consent to be deposited in a XXXX XXXX account not in my name. If I did not have XXXX I would have never know. Cashnet and XXXX XXXX failed to verify any approvals by me personally. I have spent hours trying to rectify but I am having problems getting a police report to CashNet since this was online crime and Cashnet requires this. My credit score dropped almost 200 points. This is causing me great anxiety and it still not rectified. It appears that CashNet has no interest in rectifying this and that they must benefit show how as the middle man despite it being fraud.
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. 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 60 days 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.

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 XXXX 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 XXXX
Product: Credit card or prepaid card

I am a victim of identity theft and breached by several data breaches. I wrote to the three XXXX XXXX on XX/XX/2021 and XX/XX/2021 disputing the errors in this account. the three XXXX XXXX advised me that they sent notice to this company which included my disputes, and the company responds as the account has been verified as accurate, according to 15U.S Code 1666 15U.S. Code1681 15U.SCode 1692 Only I can validate a debt, have the right to privacy and if a consumer disputes a billing error, the error can not be reported while under investigation.