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

XXXX XXXX continues to misapply payments made in each month to my loans with the company. The most recent representative called me to say I did not make a payment in XXXX of XXXX, when I made a payment this month. Also, the representative before her told me I didnt make a payment in XXXX of XXXX, when I made a payment to XXXX XXXX in that month as well. Moreover, a XXXX XXXX representative called in XXXX of XXXX to place me into a forbearance program as long as I initiate automatic payments out of my account. I agreed and preceded the contractual agreement over the phone. After the forbearance period, there was not a payment automatically pulled from the account. I had to call XXXX XXXX and inquire about the missed auto-debit when I was informed that I never qualified for the program to begin with and therefore I was liable for the forbearance period. I spoke to a manager in the call center who promised a call back, but never called back. This has resulted in late payment reporting on my credit report and interest charges due to payments being considered late.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was issued a letter to the bank in charge to please remove this information from my report since it shares inaccurate data in all credit agencies, among other series of errors. 

Some credit agencies have already deleted the information but there are others that have not yet deleted it and it continues to negatively affect my credit report.
Product: Credit reporting or other personal consumer reports

My personal information was breached, and my identity was compromised!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally dispute the inaccurate information on my credit report, which I brought to the attention of Equifax on XX/XX/2023. To date, Equifax has not responded or addressed the following discrepancies. I kindly request your assistance in resolving this matter. 

XXXX Account Account Number : XXXX Equifax has erroneously reported a late payment on the XXXX account. I want to emphasize that this account has never been late. Therefore, I request the immediate removal of the late payment notation from my credit report. 

XXXX Account Account XXXX : XXXX Equifax has provided inaccurate information regarding the XXXX account. I kindly request the correction/update of this erroneous data on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to delete a hard inquiry from Regional Acceptance on XXXX. 

I am requesting the documents to prove that I XXXX XXXX gave Regional Acceptance permissible purpose to obtain my information. 

Regional Acceptance uptained and used my information without my consent according to the consumer law 15 USC 1681Q, Any person who knowing and willfully obtained information on a consumer from a Consumer Reporting Agencies under false pretense shall be fined under title 18.
Product: Credit reporting or other personal consumer reports

I wrote a personal statement a few months ago ranting about how the federal reserve is in open default. transunion has deleted my personal statement. it is not viewable if i try to view it on their website. i just get an error message. transunion is involved in massive fraud and cover up. this was exposed to me by the collapse of XXXX. this is a criminal complaint. the cfpb needs to do their job as a law enforcement agency and arrest or refer for arrest, or at least do an investigation into whoever deleted my personal statement within transunion. I can not access any credit since transunion is lying about me and restricting my ability to even publish a personal statement. i do not care what transunion 's response is to this, and i likely will not even read it. im making this complaint to serve as a record for the XXXX litigation. XXXX and XXXX has recently published a report outlining the ongoing fraud by government agencies and their attorneys in relation to XXXX. it is still not even the tip of the iceberg of fraud and corruption. I don't expect the cfpb to do anything as they have been restricting my ability to create public records as well. XXXX has also recently censored me because I was writing true things about this in XXXX comments and they are politically aligned and complicit with the criminals that have committed and continue to commit these crimes against humanity. judge XXXX is also super corrupt and should be arrested and his rulings should be immediately overturned.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, 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. secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report.

Incorrect credit reporting, I have an account that is not correctly reported.

Account Name : XXXX XXXX XXXX Account number : XXXX you have this account as closed with a balance of {$10000.00}. but this account is fully paid-off and balance on it should be {$00.00}
Product: Credit reporting or other personal consumer reports

Formal complaint Regarding Violation of Privacy Laws and Lack of Transparency To Whom It May Concern I am writing to formally address my concerns regarding your organizations failure to comply with privacy laws and your lack of transparency in explaining how you obtained my personal information.

Despite multiple requests, I have not received a clear and detailed explanation of the sources and methods through which you collected and disseminated my data. This lack of transparency not only violates my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable privacy laws but has also caused me significant distress, especially as I am currently battling XXXX. 

Dealing with this issue has been an undue burden, further complicating an already challenging time in my life. As such, I request the following : 1. A complete and detailed report on how my personal information was obtained and shared.

2. Immediate correction or removal of any inaccurate, outdated, or unauthorized information in my report.

3. Assurance that your organization will take necessary steps to prevent further violations of my privacy rights.

Should I not receive a satisfactory response within 30 days, I will have no choice but to escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal action.

I appreciate your immediate attention to this matter and look forward to resolving this issue promptly. 

Sincerely, XXXX XXXX
Product: Mortgage

Rocket mortgage offered me one option- a 20 year mortgage. I learned that I should have been offered a XXXX  year option and that it was discriminatory not to. I wanted my loan modified to a XXXX  year to improve my cash flow and have my overpayments from all the payments I made returned. I listed the property and they advised me to take it off the market and apply for loan modification. I took it off the market and applied. They last minute said they were going to foreclose and not accept my application. I took my property off the market, overpaid them for years, and followed their instruction for loan modification. They are currently trying to sell my house on XXXX I would like this hauled immediately and have asked numerous times, all documented.
Product: Debt collection

On XX/XX/XXXX I contacted Sequim Asset Solution, LLC I spoke with XXXX XXXX, and ended up having to speak with a manager due to her rudeness over the phone. I spoke with a Supervisor named XXXX, I was advised that once I paid the account in full, I would get a letter of confirmation via email stating that the account was paid in full the payment cleared, and the collection would be removed from my credit report. At the time the only one it was reported to was XXXX 

The next day I received a notification from a credit monitoring source that I have, stating that a new account has been reported to XXXX on XX/XX/XXXX right after I paid the account off on XX/XX/XXXX, They had no right to do that, this was pretty foul, I did not receive anything in writing via email as promised, and I was not advised that it would he reported to another credit bureau that they have not reported to. This is bullying my credit, why would you report a collection that has been paid off to a credit bureau that you didn't report it to in the first place. They said it would be deleted, and I want it removed. This is credit report bullying, here it is XX/XX/XXXX, and have yet to receive the letter of confirmation via email as promised. 

There was not reason for them to report a new account as they told me that it would be deleted once the balance was paid in full. The said that the would send communication to the original creditor advising them that it was paid in full. The account is settled and I want the account removed as promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.
Product: Checking or savings account

Hello, My name is XXXX XXXX. I opened an account in Wise ( XXXX ) but after some time they deactivated my account without any notice or email stating the reason. I appealed there but they didn't respond. After that I appealed to tranfer the funds in my accounts but didn't respond yet. It has been almost 23 days. They have stated on their website that they will respond in 10 days. Please I want my hard earned money back.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, This email is in reference to the Equifax Data Breach that occurred in the past. I am writing to inform you that my personal information, including sensitive financial data, was illegally accessed and sold due to this breach. As a result, fraudulent accounts were opened in my name without my knowledge or consent. 

Please take immediate action to remove these illegal accounts from my credit reports. I am attaching the necessary proof that Equifax has acknowledged me as a victim of this data breach, and yet they have failed to rectify the situation. 

Please assist in resolving this matter by closing the fraudulently opened account below. 

Creditor : XXXX XXXX Original Creditor : XXXX XXXX  Opened : XX/XX/2018 Thank you for your time. 

Sincerely, XXXX XXXX
Product: Credit reporting

After months of disputing the XXXX XXXX XXXX Tradeline on my Equifax report - and getting this final response from them, stating there is nothing wrong with the account, its been verified, and is reporting correctly - it stays on my credit report. Copied response is below. 

" Response disputedEquifax said : Explanation of closureEquifax has reviewed the complaint and its records. Please be advised that XXXX XXXX XXXX account number ending in XXXX was disputed on XXXX XXXX, XXXX XXXX, and XXXX XXXX, 2015. XXXX XXXX XXXX has advised that your status is reporting correctly on the Equifax Credit File. Please be advised that charged off accounts that are reporting a XXXX balance are considered to be closed accounts. For any additional information regarding this account, please contact XXXX XXXX XXXX directly at ( XXXX ) XXXX. Our records conclude that a copy of your Equifax Credit File was sent on XXXX XXXX, 2015. If you should have any additional questions or concerns in regards to your Equifax Credit Report, please contact us directly at ( XXXX ) XXXX. " The problem is - on XXXX XXXX, 2015 - this tradeline was deleted. It has disappeared from ALL records at Equifax ( I just called them ) and the only remnants are the XXXX disputes I filed in XXXX and XXXX of this year. 

By Law - I am entitled to a written explanation for all disputes, and this deletion has never been accounted for. 

Equifax - please explain and provide any supporting details for the following. 

1. Why was this account deleted? Please provide the method and the owner of such the decision as well. 
2. Why was notification of a deletion of this disputed account - not provided in writing? 
3. Where is the NEW credit report that reflects the change to this disputed account? 
4. All responses are requested through US mail. 
5. This account has not aged out, as per FCRA/XXXX reporting specs.
Product: Credit card or prepaid card

Dear Sirs. I return on my claim No. XXXX against the company Capital One, which has not given a satisfactory response to my request. 
As a reminder, they blocked my access to my online account and my credit cards, without prior notice. The excuse was that I had to verify my identity ( I have been a customer for 18 years ). 
After my complaint, I have been contacted by an official from Capital One ( Mr. XXXX - Ph XXXX XXXX XXXX XXXX - Ext. XXXX ), who kindly tried to give me a solution to the problem, but to date, he has not been able to. 
I detail the steps I did at Mr. XXXX 's direction, from Capital One : 1 - He sent me an email with the option to send a photo of my passport. ( See screenshot photo No. 1 ). After doing the procedure indicated by the system, I took the passport photo and clicked on the send option. This option did not work in at least 10 or 12 attempts ( see photo of screenshot No. 2 and No. 4, marked in red indicating that a system problem could not be performed ).

2 - Given this problem and after talking with XXXX several times, I tried to send a copy of the passport by fax, as indicated by the Capital One system ( See photo of screenshot No. 3 ). After doing so, he informs me that Capital One does not accept sending by fax, contradicting what they sent me as an alternative (?????? ).

3 - Given this, I continued to insist on the original delivery system, taking the passport photo and sending it, which in the end, I did on Saturday XX/XX/XXXX, after several attempts. ( See photo of screenshot No. 5 ).

4 - After that, it is assumed that the system would be enabled, which did not happen. Given this, I proceeded to call him twice to the agent of Capital One ( Mr. XXXX ), who did not answer me, so I had to leave messages in his mail box. I received no response I require the immediate unlocking of my online account and my credit cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to Experian and XXXX  about a bankruptcy public record in XX/XX/2018. The company has failed to remove any account and responded back as verified accounts ''. Therefore, since they failed to comply with FCRA sections 609 and 617, they were supposed to remove the debts immediately. XXXX  deleted an inaccurately reporting Bankruptcy off of my credit file and reinserted it without a written five day notice which is a violation of the Fair Credit Reporting Act. Experian and XXXX  have not provided any documentation ; they did not confirm who verified the information or what company. The local Bankruptcy court stating they dont report to any Bureaus, so how can Experian and XXXX not correct or comply with the Law if they have no documentation that I am the actual person in charge of the debt or anything else? They keep saying a Company verified but never say which company. The court has already said in writing they did not communicate with Experian or XXXX. So, how did they verify??? I have repeatedly sent them requests for VALIDATION which they have failed to provide. The public records law states that a public record must contain all of the following in order to remain in a consumers credit file : Name, DOB, SSN, and address which this public record does not. Furthermore, they are reporting inaccurate public information on my file and it is hindering my ability to obtain credit. I would like for this account to be deleted immediately and not reinserted again.
Product: Credit reporting 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 USA 1681. The accounts below have violated mi rights. 15 u.s.e 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 items of information any other adverse tem of information, other than records of convictions of crimes which antedates the report by more than seven ycars. 15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furish 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 inaceurate. 
Delete the accounts below 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

After reviewing my credit report I found inaccurate information on my credit report from Transunion, XXXX, and XXXX each bureau reports are different. Under FCRA credit reporting should be validated and reported accurate and in this case that hasnt been done. Ive sent certificated mail disputing these issues and nothing has changed. I will include the certified stubs as well as the exhibit I have regarding this matter..
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I Received a Notarized Statement from OneMain Financial that stated that my Account was Paid in Full. Nowhere on the Notarized Statement does it say this was a settlement for a lesser amount, or does it say Account Paid in Full for less than full balance. The Notarized statement does say This loan has been satisfied on XX/XX/XXXX. OneMain Financial continued to harass me for 13 months and they finally sent this account over to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX  Reference Number XXXX Balance Due {$8800.00}. I disputed the validity of this debt within thirty days from receiving this notice on XX/XX/XXXX. On XX/XX/XXXX I received a Letter from OneMain Financial Stating Re Account No. XXXX Date of Loan XX/XX/XXXX Stating that " This letter serves as verification that the above-referenced account has been Settled in Full and closed. ''
Product: Debt collection

I received an alert from XXXX XXXX that a debt was sent to Security Credit Services for collection on XX/XX/2022. XXXX XXXX helped me look through old accounts and I found that someone bought a phone for {$780.00} through XXXX XXXX XXXX and apparently used my information. The company XXXX XXXX leasing is the company that sent me to collections. I spoke with someone at XXXX XXXX. She said it was to purchase an XXXX XXXX. But the address and telephone of the person was not the same as my information and she said thats all She could tell me. I have tried to contact Security Credit services at XXXX. No one has returned my calls. They also sent this information to. XXXX and XXXX which is messing up my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting a complint due the the fact the there are serious error and questionable items on my credit report. First my name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXXXXXX, OH XXXX My DOB XXXX, my SS is XXXX the following address is not mine please delete the XXXX XXXX XXXX, XXXX XXXX OH XXXX. I have a unverified account that I have never done business with this company XXXX XXXX  # XXXX XXXX   # XXXX, XXXX XXXX # XXXX. There is an account that was paid in full and should have been delete as part of the arrangement XXXX XXXX # XXXX this was not honored please delete.
Product: Debt collection

Credit company reported a derogatory alert on my XXXX twice in 1 week. The dates reported as listed XX/XX/2020 and XX/XX/XXXX. This company is clearly using these tactics in a attempt to ruin my credit.