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

I am submitting this follow-up complaint to inform XXXX, Equifax, and XXXX Credit Bureaus that I will be updating my credit reports within a 15-day time period. I am eagerly expecting that the three Credit Bureaus will remove these inquiries from my credit reports. This complaint is a continuation of the previous one dated XX/XX/XXXX. I request that the inquiries listed on this complaint, as well as the previous one, be removed once the 15-day period for credit report updates comes : XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

My advisor instructed me to write a letter because I am a Survivor of XXXX XXXX. 
I am in a desperate need to fix this problem since I am trying to get things in order The Accounts that I put below are due to the XXXX XXXX  violation that has nearly ruined my life Please remove these accounts so I can start taking steps to getting my life back together. 
Thank you so much for assisting me and offering these resources to survivors like me. 
ACCOUNT THAT ARE FRAUD DUE TO XXXX XXXX  : XXXX. XXXX XXXX Credit Card opened XX/XX/XXXX XXXX. XXXX XXXX Credit Card opened XX/XX/XXXX XXXX. Bank XXXX XXXX opened XX/XX/XXXX XXXX. The XXXX Inquiries Below | The only inquiry I did was the XXXX  XXXX XXXX in XXXX, XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/year>2021, I booked a XXXX XXXX that was never delivered, then immediately following the transaction I requested a refund from CashApp, the request was declined. The amount I paid to the business provider via cashapp was {$780.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

My bankruptcy was Dismissed on XXXX XXXX. 
I dispute from Credit Bureau Since Last XXXX XX/XX/2020. 
Every time They Replied '' Verified '' They Verified whom don't tell. 
I did call Supreme Court XXXX New York XXXX XXXX. 
They told me they did not verified because Case was Dismissed Experian Use 3rd Party to verified this account. 
This account must delete from my credit report.
Product: Credit card or prepaid card

XXXX J.P. Morgan account is close amount on the account is XXXX is not mines
Product: Vehicle loan or lease

I bought a used XXXX from XXXX dealership in XXXX Ga in XX/XX/XXXX. I had complete engine failure a year and one month later. What went wrong with the car DID NOT match the XXXX. I had bought the car from a car loan from Santander Consumer USA for around 10,000. 

I could not afford replacing the engine and told Santander Consumer USA I wanted to voluntary surrender the car back to them around XX/XX/XXXX. They eventually repossessed the car but has my account still open like I'm scheduled to make payments. They have my account still open and the business is reporting my account as delinquent to the credit companies each month- this keeps lowering my credit score. I haven't received back information on how much money I owe them after the repossession.
Product: Credit card or prepaid card

There was a credit card account with XXXX, which shows up as FEB-RETAIL in my name and made two attempts to apply for credit with XXXX  XXXX XXXX I received and alert from XXXX XXXX on XX/XX/2022 about the XXXX account. Also, received bill from Genesis with several purchases of XXXX Laptops plus other purchases. I immediately called the company using the phone number on the bill. Once I got through to a Representative the asked for my name, address, phone number, and email address. When the Representative found that the email address was different she immediately connected me to the Fraud Department. I spoke with someone in the Fraud Department who closed the account and stated he would be sending me paperwork to fill out to report the the fraud. Also, I tried several times to reach/call XXXX XXXXXXXX that Saturday, but was left on hold so long several times that I gave up. Although, they applied for credit with XXXX  XXXX the application was denied. They made two two attempts and were trying to get a a quick response from XXXX XXXX, because I received a second letter stating that they did not have to submit twice to get a response. However, it took approximately two weeks for the paperwork to arrive by mail. After speaking with the Fraud Department at Genesis FS Card Services, which was on Saturday I called my local police department. The Police Department sent and officer out to my home and he did a police report. The police officer also, took pictures of all documents I received from Genesis FS Card Services and from XXXX  XXXX. The police officer gave me his badge number, name, police report file number, a contact number, and email address. The police officer told me to call him if any thing else came in the mail or unusual happens to immediately call the police department. I also, reported a strange vehicle parked while the mail was running, I tried to get a snapshot of the vehicles tag, but it did not have a tag. Additionally, the Genesis FS Card Services is on my credit report. I put freeze I my credit with all three consumer credit agencies and disputed the account with Genesis FS Card Services. 

Once, I received the paperwork from the Fraud Department at Genesis I called the police department to set up an appointment with the officer to come back out to my home and sign the the paperwork, so I could have a Notary sign and stamp the paperwork. Next, I called the police department to get a copy of the report to send to Genesis. I spoke with the investigator and she told me to file a report on XXXX regarding what happened to me. 

Honestly, I believe they came to my home and picked up their purchases when no one was home. Plus, we didnt have cameras.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding the situation with Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with this platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving us users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I applied for A Lowe 's Synchrony Bank card I was denied based on information in a report from XXXX. XXXX XXXX, in which the reason was withheld from me, along with the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

send informatyion to all : XXXX XXXX  all information on the report, not mine XXXX XXXX XXXX ( same ) XXXX XXXX XXXX ( same ) XXXX XXXX ( same )
Product: Credit reporting

I have had my wallet stolen from me a few years ago an I found a lot of credit inquiry an accounts that are not mine .an it 's very difficult for me to acquire credit.pleas have all the credit inquiry information removed .thank youXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before. I immediately suspected identity theft When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX. I have contacted the FTC and my local police and I am doing this on my own. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX   XXXX XXXX XXXX
Product: Debt collection

Nelnet changed the monthly repayment amount on the standard repayment schedule for my federal student loans without notifying me of the change. The amount increased from {$330.00} to {$530.00} and first occurred when Nelnet auto-debited my account on XXXX XXXX, XXXX. Aside from the monthly payment reminder that I received via email on XXXX XXXX, I received no other notification that my standard amount had changed. I called on XXXX XXXX asking for clarification and was told that they had sent an email and a letter to me in XXXX. Having experienced other communication issues with Nelnet in the past, I keep organized records of all correspondence I receive from them and have no emails or letters matching what they described. They responded that the letter had been sent and that I must have lost it.
Product: Credit reporting or other personal consumer reports

I have an account being reported through Experian, that Ive disputed multiple times, their investigation says that account is accurate. but the accounts has two different account numbers & two separate addresses on Experian. thats not possible & is completely unacceptable. I would like this information removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and to demand immediate action regarding several inaccuracies on my credit report. Despite previous communications and requests for removal of erroneous accounts remain unresolved, adversely affecting my credit profile :
Product: Debt collection

Hello my name is XXXX XXXX XXXX and I would like to put in a complaint with Receivable Management. The complaint is about Receivable Management a debt collector on behalf of XXXX XXXX XXXX XXXX. The issue that I am having is that I cancelled the auto insurance policy at the end of the 6 months, on XX/XX/XXXX this was terminated. Receivable Management has placed a debt collection onto my credit report twice one in the amount of {$1300.00} on XX/XX/XXXX and the other for {$340.00} on XX/XX/XXXX. I am submitting this complaint on behalf of myself. 
I have reach out to progressive and they have in their system that the auto insurance has been cancelled effective XX/XX/XXXX. I have contacted Receivable Management to discuss the dates and amounts weren't accurate. The representative did not want to hear my complaint and basically told me its yours and there is nothing they could do about it.
Product: Credit reporting or other personal consumer reports

To whom it may concern, As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I previously contacted your company to inform you that I am a Data Breach/ Identity Theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : Summary of Accounts being Challenged in list form : XXXX XXXX - Account XXXX XXXX XXXX - Account XXXX XXXX - Account Number : **** XXXX XXXX XXXX - Account XXXX XXXX XXXX - Account XXXX XXXX XXXX - Account XXXX XXXX - Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX - Account XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXXXXXX XXXX - Account XXXX XXXXXXXX XXXX - Account XXXX XXXX - Account XXXX XXXX - Account XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXX Account XXXX XXXX - Account XXXX XXXX - Account XXXX XXXX XXXX - Account XXXX XXXX  - Account XXXX
Product: Money transfer, virtual currency, or money service

I tried to transfer money from Banner Bank XXXX XXXX XXXX XXXX XXXX and the transfer was not completed. Banner Bank took {$200.00} out of my checking account and it never appeared in my XXXX XXXX XXXX account. Customer service departments from both banks refuse to fix the problem after more than 5 attempts with both, so {$200.00} of my money has been stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts on my credit report are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX Account number XXXX, XXXX XXXX XXXX XXXX  Account number XXXX, XXXX XXXX XXXX ( both listings ), XXXX XXXXXXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX, and XXXX XXXX Account number XXXX has violated my rights. Specifically, 15 U.S.C 1681 section 602 A. states that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

i am currently not in repayment yet for XXXX and yet. im also currently in school. they are adding interest to my account for 2 separate loans, i was supposed to owe only XXXX and yet they raised it up to XXXX and for another XXXX XXXX to XXXX and another one. This is unacceptable and not ethical im not in repayment yet and i still plan to go to school these fees/ add ons need to be waived. they also are not contacting me back
Product: Checking or savings account

My checking account was frozen on Monday, XX/XX/XXXX. I called every day that week to get it unlocked, and at first, they told me to wait 3-5 business days, so I did. But then they said to wait 30 whole days just to access my funds, which is ridiculous. So I'm now submitting a complaint here because it's completely unreasonable to have to wait a whole month to simply access my funds because they deem it suspicious. When I, the owner of the account, is clearly telling them that I authorized all of it.
Product: Mortgage

On XX/XX/2022 I contacted my mortgage servicer to notify them of hardship and unemployment. The automated system for Amerihome Mortgage informed me that they would send out a package for hardship. On XX/XX/2022 I contacted Amerihome Mortgage to let them know that I did not receive the packet. 

When I called, I was given an interview with customer service representative. After the interview, the representative informed me that I was only eligible for a loan modification and I could not request a 6 month extension of forbearance. At this time, I am unemployed and I am requesting a 6 month extension of forbearance. I am reporting Amerihome Mortgage for failing to honor the 18 month forbearance supported by law. I am also reporting Amerihome for failing to provide information in a timely manner. I will be held accountable for late payments due to their failure to provide support. 

Please look into this matter as soon as possible. Thank you. 

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

When I investigated my credit report, I realized that some of the information 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 item/accounts/information below : BXXXX XXXX XXXXXXXX Filed on XX/XX/2019 Reference number XXXX XXXX, XXXX XXXX XXXXXXXX Filed on XXXX XXXX, 2019 Reference number : XXXX
Product: Debt collection

I cosigned a lease for my son. After he moved out of the apartment with the appropriate notice the the apartments kept billing us ( through a shell company ) for common electric, pest control and garbage collection. I wrote them several times and even sent copies of my canceled checks from my bank but they continued to bill me then put a negative mark on my credit. The apartments are XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. The shell company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. I repeatedly asked for an accounting of my payments and their billing but never got a response. Also there is no way to contact this shell company except through mail as they do not have a phone number published.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am listed as an authorized user on an XXXX XXXX account that was opened XX/XX/2018 with a credit limit of {$5000.00}. Equifax has neglected to reflect this tradeline on my report. The owner of the card has reached out to XXXX XXXX and they have said it should be reporting to all three major credit bureaus. Equifax continues to neglect in reporting this tradeline.
Product: Credit reporting or other personal consumer reports

Dear CFPB and Equifax Regarding Medical Debt Status of XXXX  charge off VIOLATION OF 15 USC 1681 ( I ) 5 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Each issue is on a separate complaint since Equifax doesnt thoroughly read complaints In XX/XX/year>2025, Congress and the CFPB finalized medical debt laws so that medical debt can no longer appear on consumer accounts I notified Equifax of the medical debt status of the XXXX  so that the tradeline line could be removed at once. Instead of.deleting the tradeline, Equifax change the name of the trade line and misrepresent to me that my XXXX tradeline was not appearing on my report. It definitely is still there. Furthermore, instead of deleting the item, they did a bogus investigation on the wrong account and for the wrong issue thus the medical debt status could not be verified. In addition, you have to talk to a live person to get them to tell you that its a medical debt issue because its not listed in a way that could be found on an electronic filing. Equifax should have contacted somebody in person to verify the medical debt status. I have verified the medical debt status with the agents working for Equifax however, the agents claim that the only ones that can remove the item is the dispute department. 
Because the medical debt status can not be verified without a physical phone call, and because Equifax simply did an electronic submission and on the wrong account and for the wrong reason, then the medical debt status can not be verified. It further couldnt be verified because Equifax failed to even read my complaint. Not only did they fail to consider the most relevant issue of the complaint but they also could not verify the issue with a electronic submission 15 USC 1681 ( I ) 5 states that if a credit reporting agency, such as Equifax can not verify information, it must be deleted at once. Therefore, Equifax must delete the XXXX XXXX XXXX tradeline Medical Debt charge off
Product: Credit reporting, credit repair services, or other personal consumer reports

Opening this complaint in response to XXXX XXXX XXXX not doing anything with previous complaint XXXX. XXXX response to previous complaint is that it thinks it is correct to list the date of 1st delinquency as the date a tenant presumably moved out of an apartment. This is grossly incorrect. The date of 1st delinquency should be the date the tenant was delinquent with the client XXXX is collecting for. Clearly XXXX XXXX XXXX filed an Eviction in 2017 and received a Writ Of Resitution in 2017 XXXX XX/XX/2017 ). XXXX XXXX XXXX can contact the XXXX County Courthouse and pull registry of action # XXXX to verify this information or contact XXXX XXXX XXXX. Listing an incorrect date of 1st delinquency is a clear FCRA violation.