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

I have been a victim of identity theft. I have had a person I know by the name of XXXX XXXX XXXX, use my personal information that was shared with her, for an apartment. This person was my credit repair specialist from XXXX. In XXXX of XXXX, she electronically signed a lease using my first and last name, and middle initial. I knew NOTHING about this lease, until a collections company by the name of XXXX XXXX XXXX, contacted me with a letter in XXXX of XXXX, stating I owed {$11000.00} to XXXX XXXX XXXX XXXX XXXX, located in XXXX, XXXX XXXX, Florida. I HAVE NEVER LIVED IN FLORIDA!!! I AM A XXXX XXXX, I LIVE AT HOME WITH MY PARENTS, AND HAVE BEEN AT MY CURRENT ADDRESS SINCE XXXX OF XXXX. I ALSO DO NOT HAVE CHILDREN, AND THE CULPRIT INCLUDED HER XXXX CHILDREN ONTO THE LEASE. 

I HAVE NEVER AUTHORIZED AND WOULD HAVE NEVER AUTHORIZED, FOR HER TO USE MY INFORMATION FOR AN APARTMENT IN XXXX, WHEN I LIVE IN XXXX, AND WAS STILL FINISHING MY XXXX XXXX XXXXXXXX XXXX XXXX XXXX IN XXXX OF XXXX! 

I NEED YOU GUYS TO REMOVE THIS IMMEDIATELY.
Product: Bank account or service

On Mon. XXXX XXXX XXXX XXXX XXXX withdrew {$1400.00} cash in XXXX XXXX dollar bills from my checking acct. From XXXX the bank teller. In order to pay my rent of {$1400.00} a month. A week later on Mon. XXXX XXXX after making the deposit of only {$1300.00}. Since XXXX of the XXXX dollar bills were counterfeit. It is poss. Bank of America overlooked or missed it, possibly given me the counterfeit XXXX XXXX dollar bill. My landlord says the {$1400.00} I gave her ( XXXX ) was put in an envelope. And deposited with no other bills other than the {$1400.00} large bills. Again making only a deposit of {$1300.00} minus the counterfeit XXXX XXXX dollar bill from B of A. I spoke the Bank Branch Manager XXXX who was overworked due to being understaffed. And was of no help or organization toward policy & procedure witch was none to this concern filed. Although XXXX did not deny the possibility of this counterfeit from her branch. But the personal banker XXXX did deny it, mentioning it 's not possible. I would like to know what is possible if there is a future for this matter maybe I 'm not the only one who has experienced this from a reputable bank or this branch itself. I 'm curious to find out where justice is served in receiving my hard earned money back. Surely you would think the counterfeit bill could be traced or leave a paper trail right, just not being washed along the way & no one taking responsibility of it legitimately. Thank you for ur time & have a powerful day.
Product: Money transfer, virtual currency, or money service

I just want to make sure that my bank will thoroughly investigate the claims that i currently have and open. I currently have 4 claims that are currently open and one of the claim is being reconsider. Even though 3 claims are newly open and i just filed yesterday ( XX/XX/2023 ), i just want my bank to fully investigate and contact the third party ( XXXX and XXXX ) and let them know what it is being transpired and approve all my claims and refund all my money
Product: Credit reporting or other personal consumer reports

On XXXX XXXX someone hit my car from behind I made a payment in XXXX XXXX the insurance company said the car was total out so in may I didn't make a payment the reported a late payment on my credit report knocking my score down XXXX points after they have been working with the insurance company I call and ask when are they gon na remove this late payment they stated they would but didn't remove the late payment I didn't everything they ask of me to do an I don't have the car
Product: Credit reporting, credit repair services, or other personal consumer reports

Sage Stream sent me a copy of my consumer disclosure report. On that report, there were numerous variations of my name, address and phone. This is information they have " mined '' from various sources or were given for some illicit reason or another. I am requesting an official investigation of the personal information data that appears on my credit report. I have 1 name, 1 address and 1 phone number that should be on this report ; any other variation ( s ) that are NOT removed from my report will constitute a blatant disregard of consumer reporting laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I've filed a complaint with Experian regarding XXXX XXXX XXXX, Account # XXXX and Account # XXXX. I've reported inaccuracies on the accounts and asked it to be deleted. I have been noticing that lately, instead of following the 15 U.S. Code 1681b that estates that the Credit Bureaus need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's rights to privacy, they have been ignoring our requests and just updating information instead of deleting as the law requires to. 15 U.S. Code 1681a ( 2 ) ( a ) ( i )- is very specific in regards to the exclusion sections ; 15 U.S. Code 1681b is very specific in regards to fairness, impartiality and respect to privacy, and 15 U.S. Code 1681 Section 604A Section 2 also estates a consumer reporting agency can not furnish an account without my written instructions. 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 promptly delete that item of information of the consumer. It is illegal to retain or report inaccurate, misleading, or unproven information, especially considering a composed consumer complaint notifying Experian of said issues. As requested previously, I need both accounts deleted from my credit report. I expect it to be done immediately because this is infringing my rights accordingly to the Fair Credit Reporting Act. If they are unable to do so, they must provide me who validated the information, how the validation occurred, and please provide me with physical verification of the validation as the law requires if you are choosing to keep the information on file. I have also requested the names, addresses and telephone numbers of individuals Experian contacted during the investigation. Otherwise, anyone paying for the reporting services could just fax, mail or email in a fraudulent account. Experian should also provide IRS Form 609 signed, that gives the authorization to verify my SSN. If any documents or contracts can not be provided they shall be considered identity theft. 18 U.S. Code 1028 deals with fraud and related activities in connection with identification documents, authentication features and information.
Product: Credit card or prepaid card

During the month XXXX, 2020, I contacted XXXX XXXX XXXX  Mastercard to inform Consumer Service Dept. that I was beginning Active XXXX XXXX in response to the pandemic. An initial letter with my first XXXX XXXX orders were mailed around XX/XX/2020. Upon my return, I received a letter that the company could not verify my XXXX XXXX status and orders must be included. The company was contacted by telephone and I spoke with a representative asking for my issue to be elevated to the next level since my order was submitted. A second letter, with my orders and a request for all rights under SCRA be afforded to me was mailed in XXXX, 2020. The response of the company was that my orders were not received and the interest rate reduction and fees were not waivered.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent in a dispute letter to remove inaccurate information from my credit file. I have tried calling Equifax and was informed that my dispute letters has not been received. This is the 3rd month in a row that Equifax has failed to investigate my dispute letters. I have a bankruptcy being reported that is inaccurate and not properly verified. I have contacted the court and they advised me that, they do NOT furnish bankruptcy information to any of the credit bureaus. I was also advised that only the last 4 of my SSN is provided to public record databases. So I am confused, as to how this information was verified as accurate and was placed on my credit report. I have asked Equifax on several different occasions how and through what source was this information verified, so that I may contact the source to correct the inaccuracies. I have yet to receive a response from Equifax and this is a clear violation of my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of inquiry XX/XX/2022, XXXX XXXX Date of inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/2022 & XXXX Date of Inquiry XX/XX/2022
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX is in violation of multiple laws set forth by Congress in regard to the following account # XXXX. 15. U.S. Code. 1681a ( 2 ) ( I ). states that the consumer report does not include information solely as to transactions or experiences ( payments History, charge off status ), between the consumer ( myself ) and the person ( XXXX XXXX XXXX XXXX ) making the report. Additionally, 15 U.S. Code 1681 s- 2 ( a ) ( 1 ) ( A ) states that A person ( XXXX XXXX XXXX XXXX XXXX shall not furnish any information relating to a consumer ( me ) to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX XXXX XXXX can not collect on a discharged debt. This is now considered a certificate of Indebtedness per the IRS and income Can Not be reported. The IRS Clearly defines a charge off As Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! So, Equifax is now in violation of the FCRA. The reporting of this as A debt is inaccurate. I never received a 1099 - C Form from XXXX XXXX XXXX XXXX for the canceled debt of ( { {$75000.00} } ) in order to file as ordinary income. Where is my 1099-C? XXXX XXXX XXXX XXXX is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debt greater than ( { {$600.00} } ). This is unsatisfactory! XXXX XXXX XXXX XXXX and Equifax have been HEREBY PUT ON NOTICE That they are furnishing incorrect inaccurate information. I have the right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non-written, verbal and verbal per 15 U.S. Code 6802 I'm NOW OPTING OUT of anymore further reporting of this account after Equifax has updated the account to PAID AS AGREED, I AM INVOKING MY SPECIFIED REMEDY THAT YOU PREVIOUSLY DENIED ME BY WITHHOLDING MY DISCLOSURES, Pursuant 15 U.S. Code 6802 ( B ) Again Equifax is in direct violation of 15 U.S.C 1681 section 602 A. Stating I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : also stating a consumer reporting agency can not furnish an account without my written instructions. UPDATE THE BELOW ACCOUNT FOR ALL CONSUMER REPORTING AGENCIES. 


Account name : XXXX XXXX XXXX XXXX Account number : XXXX
Product: Credit reporting or other personal consumer reports

The following account is not mine and is and did not have authorization to access my personal information XXXX XXXX Account XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and update them immediately in my report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It's been well over 100 days since my first attempt and we'll past 30 days since my most recent to get this account verified. They said they would send me put my initial paper work in the mail and I haven't got anything. They 100 % have my correct address as well because I I everything I could to get this resolved and told them this. I've sent letters including some to the credit buros directly recently and I'm done waiting. SHOW ME MY SIGNATURE WITH ALL DATES SND AMOUNTS OR LEGALLY REMOVE IT. You already took it off my transunion report months ago because you agreed you couldn't verify it, you didn't take the time to do the other 2.
Product: Mortgage

I was never late during the month it shows on the report. SEE ATTACHED PROOF OF PAYMENTS I HAVE SENT AND YOU HAVE CASHED AND CLEARED FUNDS FOR EACH MONTH THAT YOU ARE REPORTING THEM LATE ... THIS IS A VIOLATION OF FCRA AND MY CONSUMER RIGHTS. I HEREBY REQUETS THESE LATES TO BE DELETED. see attached proof of payments and chec ks cleared by PNC for  all the months they are reporting it being late.    PNC misapplied the payments on this loan which caused it to report late every month even thoug h all payments were made in a timely matter.    PNC sent 2 letters  now which are of automatically generated format of identical text stating they are reporting it correctly which is A FALSE STATEMENT AND VIOLATED FCRA RULES AND REGULATIONS
Product: Mortgage

I have sent six payments that PHH Mortgage Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX claim they do not have which is not true. I have contacted XXXX and XXXX XXXX   XXXX XXXX and they sent a letter and receipt mortgage company has payemts but they are not getting credit to my account. I can not get any help from them and I need help to credit account and suspense balance to bring me a month a head this is so unfair please help thank you. 
XX/XX/XXXX express payment XXXX XXXX ref XXXX XXXX The next five were made through XXXX XXXX   XXXX XXXX XXXX XX/XX/XXXX XXXX ref XXXX XX/XX/XXXX XXXX ref XXXX XX/XX/XXXX XXXX ref XXXX XX/XX/XXXX XXXX ref XXXX XX/XX/XXXX XXXX ref XXXX total amount XXXX for all six payments no applied and there is almost XXXX in my suspense balance they are not posting.
Product: Student loan

In XXXX of 2018 a loan from DEPTEDNELNET was opened in my name. This loan was opened without my authorization. I have disputed this issue and I am still waiting for this to be resolved. This is now on all three of my bureaus and has greatly lowered my score.
Product: Mortgage

Hello, My mortgage company ( loanDepot NMLS # XXXX ) have failed to pay the taxes out of the escrow account that I have been paying into. I have called and talked online with them at least 5 times as well as emailed to their tax department. They claim they've paid the taxes on XXXX ( they were due by XXXX ) by wire and show withdrawal from my account, however the town have not received the payment almost a week later. And they only sent the original amount without interest accrued as a result of missing the deadline. Please help. 

Thank you! 

P.S. Last communication was via online chat with employee XXXX XXXX said the identification is XXXX ).
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX  reports that my account was delinquent and that I missed a number of payments, when in actuality, the transfer of those accounts to a new loan service company was not accurate in the transfer of the account. I had been accepted for a deferment with the new company however the old company reported delinquent and missed payments. My record will show I never make late payments and that the transfer of the account caused the late and delinquent report from the loan service, not on my part.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander used fraudulent dealers to open an account in XXXX XXXX, 2009. Santander is misrepresenting the amount of debt and liability that I have for this auto loan. I would like this item to be removed from my credit. They are falsely reporting a debt owed on my credit report as {$15000.00}.
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 this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report this account as unconfirmed information without validating it 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
Product: Credit card

My cousin on XXXX said she received {$100000.00} grant from this guy. I asked about it and XXXX XXXX XXXX contacted me and wanted XXXX gift card to pay processing fee. I was unable to leave the house to get the gift card due to broken hip and walker use. Finally used XXXX ( American Express ) to send {$1500.00} only because my cousin vouch for him. They spoofed her XXXX account. It wasn't until I called her ( she did not know about it and finally blocked him ) Then I realize it was fraud, too late. Unable to stop transaction as it was friends and family on XXXX. I opened a case with the FBI as well. I'm a 60 % disable Veteran.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within XXXX  days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XXXX, I noticed several fraudulent inaccuracies on my account. I then filed an identity theft report and sent all the supporting information to the company. The inaccurate, fraudulent information is hurting my ability to obtain new credit and affecting my ability to retain current credit lines. My credit score has decreased significantly. It is my understanding that you must investigate the items to ensure accurate and proper reporting. 
I requested another investigation and the immediate removal of the fraudulent Santander Consumer USA account listed under my social. 
The company could not have possibly conducted a proper investigation. The Santander Consumer USA account under my social security number does not even match my name on my social security card. I have only owned ONE vehicle in my entire life and I have the title, which I also provided to the company. That car was also NEVER, at ANY time, financed through Santander and paid off over 4 years ago. 
I am requesting a real and THOROUGH investigation! 
Begin with the NAME PROVIDED! It is NOT my name! I have never had insurance or anything tying me to this fraudulent account/vehicle. I can provide proof of insurance on MY TITLED vehicle from the day I purchased it to today 's date. I am not even a resident of the state that vehicle was allegedly purchased in. 
I am demanding an IMMEDIATE deletion!
Product: Money transfer, virtual currency, or money service

I wired {$25000.00} dollars to open a Coinbase account. 
Coinbase accepted the wire and then restricted my account to send payments.
Product: Credit reporting or other personal consumer reports

I was a victim of ID Theft about XXXX yrs ago. I went a tax service to have my taxes prepared, later I was informed that I may have been a victim of ID Theft. I ordered a copy of my report and noticed several items that I did not personally opened. I am requesting the following items be removed from my credit report. 

XXXX XXXX opened XX/XX/XXXX balance : {$38000.00} XXXX opened XX/XX/XXXX balance : {$35000.00} XXXX opened XX/XX/XXXX balance : {$18000.00} XXXX opened XX/XX/XXXX balance XXXX {$8700.00} XXXX opened XX/XX/XXXX balance : {$10000.00} XXXX opened : XX/XX/XXXX balance : {$2900.00} -XXXX  opened : XX/XX/XXXX balance : {$15000.00} -XXXX  opened : XX/XX/XXXX balance : {$14000.00} XXXX XXXX XXXX  opened : XX/XX/XXXX balance : {$18000.00} XXXX opened : XX/XX/XXXX balance : {$7200.00} -XXXX  opened XXXX XX/XX/XXXX balance : {$2800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has not investigated or responded to the following issues on my credit report at all. The creditors have attempted no contact with me resulting from said investigations. Please see items below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be deleted as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX XXXXXXXX XXXX Balance {$1100.00} XXXX XXXX XXXX XXXX XXXX Balance {$960.00} JXXXX XXXX XXXX XXXX XXXX Balance {$0.00}