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

To whom it XXXX concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act XXXX XXXX. Block of information resulting from identity theft [ XXXX XXXX. XXXX ] ( a ) XXXX. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
1. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting XXXX XXXX Account XXXX : XXXX Delete this account. 

XXXX. XXXX XXXX CODE XXXX XXXX - FALSE OR MISLEADING REPRESENTATIONS DISCOVERBANK Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX OF XXXX Account Number : **** Please remove it from my credit report. 

XXXX there is some inaccurate information reporting XXXX XXXX Account XXXX : XXXX Delete this account. 

6. 15 U.S. CODE 1692e - False or misleading representations CHRYSLERCAP Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX CRED Account Number : XXXX Delete this account.
Product: Mortgage

I XXXX and XXXX XXXX have been working with Loan Care about some payments that were said they never received since XXXXSince then loan care has taken the payments out of bank account each month and sometime double payments and that's not including all late fees ranging from {$1000.00} to {$600.00} i have been placed on a contract by Loan care and required to send all payments by money gram each month all payments have been made each month by us. yet Loan care still says we are 3 months behind i have submitted all copy 's of money gram receipts with bank statements showing that loan care received there payments ' have even requested that there resolved department investigate were and why this keeps happening. On XXXX XXXX I received a letter say that they are taking my home and this is why i file this complaint. Loan Care has even said this is going to damage my credit.
Product: Mortgage

I applied for a mortgage modification as I was unable to make the payments on a home I own. This is not my primary resident, but rather a home I rent out to others. The mortgage company did offer me a modification where I can pay {$540000.00} for the home which has been appraised at {$320000.00}. So this modification would allow me to pay over {$220000.00} more than the home is actually worth.
Product: Credit card or prepaid card

American Express is once again NOT following the Acts put in place in order to protect consumers and businesses during the pandemic. American Express CONTINUES to SHUT DOWN my accounts - we can not use our cards EVEN THOUGH WE ARE UNDER ALL OF OUR CREDIT LIMITS! Then they say they obtained some credit report that states I'm looking for credit WHICH IS NOT TRUE - another financial institution tried to pull my credit ( which is currently LOCKED ) WITHOUT MY PERMISSION and American Express is PUNISHING us for that! We are a small business trying to survive through this pandemic. It's UNACCEPTABLE! I call American Express almost daily now because they continue to SHUT DOWN MY CREDIT USAGE and we are unable to make even small purchases on our business accounts! They continue to deceive us, lie to us, waste our time, etc. They have NO INTEGRITY! WHEN will they be held accountable? WHEN will their CEO XXXX XXXX be HELD ACCOUNTABLE for the damage enabling his company to do to small businesses and consumers during a pandemic?!
Product: Credit reporting or other personal consumer reports

Please consider this as my refilling complaint to the TRANSUNION for allowing the fraudulent accounts and for not taking corrections on my credit report. I have my dispute letter datedXX/XX/2024, with the identity theft report number XXXXThey allowed the fraudulent accounts to be reported in my credit file without proper notification. As I checked my credit report these are fraudulent accounts are still reflected on my credit report, possibly because my previous dispute letters were not taken seriously. I was expecting that I can count on them to protect my information and to provide accurate credit reports.
Product: Credit reporting or other personal consumer reports

Company Information ( Furnisher of Disputed Information ) Company Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion, XXXX Details of the Complaint I am filing this complaint regarding inaccurate, misleading, and unverifiable information reported on my credit file by XXXX XXXX and the credit reporting agencies ( XXXX, TransUnion, and XXXX ). The account in question is a charged-off account ( XXXX ) that is improperly affecting my credit profile and violates multiple federal consumer protection laws. 
1. Fair Credit Reporting Act ( FCRA ) Violations ( XXXX U.S.C. XXXX et seq. ) - Failure to Maintain Accuracy ( FCRA XXXX ( b ) ) - Failure to Properly Investigate ( FCRA XXXX ( b ) ) - Unauthorized Furnishing of Consumer Report Information ( XXXX U.S.C. XXXX, Section XXXX ( a ) ( 2 ) ) 2. Truth in Lending Act ( TILA ) Violation ( XXXX U.S.C. XXXX ) - Billing disputes must be resolved within two billing cycles ( not exceeding 90 days ). 
- This charge-off has remained on my credit report well beyond the legally allowed timeframe. 
3. IRS & Treasury Regulation Violation ( XXXX CFR XXXX-1 ) - When a creditor cancels a debt of {$600.00} or more, they must issue a 1099-C Cancellation of Debt form. 
- If this charge-off was reported as a loss for tax purposes, it must be removed from my credit report. 
4. Gramm-Leach-Bliley Act ( GLBA ) Violations ( XXXX U.S.C. XXXX ) - Failure to Protect Consumer Financial Privacy ( XXXX U.S.C. XXXX ). 
- Improper Disclosure of Personal Information ( XXXX U.S.C. XXXX ). 
- Failure to Provide a Privacy Notice ( XXXX U.S.C. XXXX ). 
XXXX. FTC Holder Rule Violations ( XXXX CFR XXXX & XXXX CFR XXXX ) - Preservation of Consumer Defenses ( XXXX CFR XXXX ) prohibits lenders from enforcing payment of a disputed debt. 
- Unfair and Deceptive XXXX Practices ( XXXX CFR XXXX ) misrepresenting the legal status of a debt. 
6. Privacy Act of 1974 Violation ( XXXX U.S.C. XXXX ) - Unauthorized sharing of consumer financial records. 
- Failure to demonstrate a valid, legal reason for retaining this data after dispute. 
7. Metro 2 & E-OSCAR Compliance Violations - Failure to correct these errors after a dispute suggests non-compliance with dispute verification requirements. 
8. Misrepresentation of Debt Status ( FDCPA XXXX ) - A charge-off is a Certificate of Indebtedness, meaning it must be removed. 
- The continued reporting of this charge-off is deceptive and misleading.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX  Account : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account : XXXXXXXX XXXX XXXX XXXX Account : XXXX  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.
Product: Debt collection

They tried to evict me and charge me for the rest of the lease term because they I violated the lease terms, they stated your girlfriend cant stay with you. My girlfriend wasnt staying with me or tried to claim residency she just visited me frequently. In the lease agreement there was no mention of frequency visitors being a violation of the lease agreement.
Product: Money transfer, virtual currency, or money service

I would like to close the Paypal account associated with email address XXXX. The Paypal account was limited many years ago and thus I was unable to change or remove any bank accounts associated with the Paypal account. I would like to close this Paypal account.
Product: Checking or savings account

Unauthorized transactions happened on my account ending in XXXX between XX/XX/XXXX through XX/XX/XXXX at XXXX, XXXX, XXXX XXXX, including multiple other places as it appeared on the attached bank statement. I was even left with over XXXX XXXX dollars overdraft. I reported to XXXX fraud and dispute department on XX/XX/XXXX, but they denied the claim stating that the card was physically used in all of these stores. After XXXX blocked this card, and said to look out for a new card in the mail by XX/XX/XXXX, I never received the new card and another transaction was attempted at XXXX for {$250.00} on XX/XX/XXXX. I want all my money back that is about XXXX XXXX dollars or more.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regional Acceptance Corporation from a loan/lease in 2009. A car lease was purchased in my name sometime in 2009 with Regional Acceptance Corporation. I have been disputing this with them as it pertains to my XXXX & XXXX Credit Reports for quite some time now to no avail. I have sent them requested documents more times than I can count only to call back a few days later from a follow up to be told that they never received the requested information. Despite the fact that this is not my account the company is currently reporting incorrect information on my XXXX & XXXX Credit Reports showing that the company accepted this as a loss and did it as a charge off and now they are also reporting that the account is not current which is affecting me twice as it pertains to my credit scores and negative information on my account. I was a victim of the XXXX Security Breach & the  XXXX Security Breach. This item is reporting as a negative and impacting my score monthly as it pertains to a charge off/not current with payments {$2600.00}
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging Systemic issues such as failing to forward Consumer-Provided Evidence to furnishers, accepting unreliable responses, and failing to adequately notify Consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the Evidence I Provided, causing ongoing harm to my Credit Standing. I am requesting immediate Corrective action or Amend the disputed Accounts, as Experian 's Inaction Violates Federal Law and my Rights as a Consumer
Product: Debt collection

I C Systems has violated my federally protected rights. I did not receive a notice of dispute before furnishing the negative tradeline on my consumer report. This is an alleged debt and I am not paying you for it as that is my right under the FDCPA. You are now on notice to Cease and desist communication from me from all mediums including my consumer report. Failure to comply will result in me pursuing litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reports from the three credit report agencies showing a U.S DEPARTMENT OF EDUCATION in separate accounts of {$4200.00} and {$10000.00} debts respectively credited to my reports under another social security number which is not mine, and names similar but not mine. 

I have contact two of the agencies which are : Experian and XXXX except XXXX which I did not succeed in reaching out to. The date of the online visit and phone calls was XX/XX/20. While XXXX notified me of the same complaint and promised to contact the appropriate reporting company/companies under Dispute # XXXX. 
On the other hand, Experian sent me my Credit Report # XXXX dated XX/XX/20 and the informations highlighted were included. 
Attached herewith is the document from one of the bureau agencies to support my claim.
Product: Credit card

XXXX XXXXXXXX XXXX has been calling my work phone multiple times of day, usually at least 5 times in one day. They called the same office phone 10 times in one weekend. This is on top of the 5+ times a day they call my cell phone. They sent my bill to a collection company a few months ago so I feel I no longer need to work with them on my bill because I am already working with the collection company making payments. I did advise them of this but they call incessantly all hours of the day and night.
Product: Vehicle loan or lease

I refinanced my truck through state employees a few months ago. I was originally financed through Regional Acceptance Corporation ( I believe its a sun trust or truist bank now, was originally a BB and T ). I received phone calls from regional Acceptance about me paying bills after I refinanced my truck. I told them that I was no longer financed with them. My old roommate called me a few weeks ago and told me that a repo company was trying to take my truck and I immediately tried to call or get in touch with them about this. I would call, get put on a long hold, and then I would get hung up on. About last week, I finally got in contact with them and thought I straightened everything out. He said that he was sorry for the inconvenience and said that my truck will no longer be repoed. Just about an hour ago, I received another phone call in regards to my truck. They asked me if I had possession of my vehicle still and I said yes. She said that my truck was up for repo and I need to pay the money that I owe to regional Acceptance or it will get towed. I tried to explain the situation once again and then asked to be transferred to a higher up. She said she would and I heard the phone click as she hung up the phone and the line disconnected. I have received phone calls and then the line would disconnect out of nowhere. Im trying to get my bank to help me fix the issue. I can not have my truck towed for no reason because I work at the XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and Im in XXXX XXXX. If I lose my truck I will be in a very inconvenient situation. If I can get a phone call whenever yall have a chance, I have evidence that shows that regional signed for the check. I have the email of the gentleman that I sent the proof to from regional and was told it would be taken care of. I also have phone logs showing that the phone call was made and that I attempted to call back. 


My number is XXXX Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE TOLD THE COMPANY I DON'T OWE THE MONEY. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX I DON'T OWE XXXX XXXXXXXX. ITS BEEN PAID. I DONT OWE XXXX. I RETURNED THEIR BOX. I DON'T OWE XXXX, I PAID THEM ALMOST XXXX DOLLARS. STOP HELPING THEM RUIN MY CREDIT. 

XXXX XXXX HAS A LAWYER. I DO TOO. WE ARE GOING TO COURT. THIS DEBT IS THE RESULT OF SHADY BUSINESS AND XXXX IDALS. IF THIS IS MY DEBT, ITS IDENTITY FRAUD. 

UNDER THE FCRA YOU ARE REQUIRED BY LAW TO REPORT CORRECTLY. I HAVE NO BEEN ABLE TO GET THEM, OR YOU, TO PROVEI OWE ANY OF THIS MONEY. STOP IT. 

MY NEXT STEP IS A LAWSUIT IN STATE, LOCAL, AND NATIONAL COURTS. I REFUSE TO PAY FOR WHAT I HAVEN'T DONE. 

FIX THIS. NOW. 

XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER XXXX XXXX XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

There are accounts in my credit report that are not mine. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are not mine. Attached you will also find my ID as proof of my identity and my Proof of Address.
Product: Checking or savings account

XXXX*Subject : ** Complaint Regarding Regions Bank Account and Credit Card Issues Dear CFPB, I am writing to formally submit a complaint regarding my Regions bank account and credit card. Over the past week, I have experienced several difficulties related to my account, and I am seeking your assistance in resolving these issues. 

First, I have encountered problems in making payments, including payments that were submitted without my approval. Additionally, there appears to have been a miscalculation of funds when payments were applied to my account. Specifically, the payment amounts have not been accurately reflected as the new balance, which has created confusion and concern about the accuracy of my account statements. 

These discrepancies are unacceptable, and I am requesting an immediate review of my account to address the unauthorized transactions and correct the payment application errors. I expect Regions Bank to take swift action to resolve these issues and ensure that my account is properly managed going forward. 

Please feel free to contact me at [ phone number ] or [ email address ] if you require further details or documentation regarding this matter. Thank you for your attention and support in resolving this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX wrongfully placed me into collections. They claim I have an outstanding bill of over {$600.00}, yet they have failed to supply me with proof of the debt via mail. I have not lived at that address since XXXX of XXXX and they are claiming I had service in XXXX of XXXX. At that time I had a tenant living in that house. This is regards to XXXX XXXX XXXX XXXX XXXX. I moved to XXXX  in XXXX and we do not have XXXX XXXX out hear.
Product: Debt collection

Company is unknown account showing closed on my credit report I have no knowledge of even opening an account with this company I am not reliable for this debt have no agreement nor contract with this company please remove from my credit report immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Bal. Owned : {$2600.00} XXXX XXXX Bal. Owned : {$3900.00} XXXX XXXX XXXX Bal. Owned : {$1100.00} XXXX XXXX XXXX  Bal. Owned : {$990.00} XXXX XXXX XXXX Bal. Owned : {$2300.00} XXXX XXXX XXXX  XXXX Bal. Owned : {$990.00} XXXX XXXX XXXX  Bal. Owned : {$2600.00} XXXX XXXX Bal. Owned : {$3900.00}
Product: Vehicle loan or lease

My car was repossessed on XX/XX/XXXX. I had been trying have the payments lowered but would always say you cant. Hyundai Motor Finance has not worked with me. At one point they lowered it by {$15.00}. Hyundai has called my father at work without permission, my fianc at work without permission, my father in law without permission, and my mother. Hyundai put my father 's job and fianc 's job in jeopardy. I have called and explained I had not been working and my parents are on social security and have been trying to help me as much as possible. I am currently working now and would like to figure out what can ve done to get my car back. I need it to get to work and my daughter 's carseat and stroller are in the car. Hyundai stated that {$3900.00} is due to get it back. I only owe {$4300.00}. Hyundai will call 15 times a day using 5 different numbers. Even after payments are made the calls continue, and when I call they say you need to go online and we cant stop the calls.
Product: Debt collection

On either XX/XX/XXXX or XXXX, I called this company back to complain about them calling me three times in one day on XX/XX/XXXX when I did not even know what it was in reference to. They told me they were calling about a debt of {$9.00} I owed XXXX. I told them I would call XXXX on XX/XX/XXXX when I next got paid and pay my bill over the phone directly with them. I felt this was necessary to avoid an online phishing scam and because I didnt have the money at the time. I also asked this Radiusglobalsol not to call me back anymore, but they did it again just now, and when I called them back to complain, they answered the phone as XXXX. This is a federal offense known as impersonation for which people can go to prison.
Product: Credit card or prepaid card

My card was charged with using XXXX and XXXX XXXX back on Earlier in the month of XX/XX/XXXX cant remember exact dates but my card was used by ex boyfriend XXXX XXXX birthday XX/XX/XXXX I believe is the correct information
Product: Credit reporting or other personal consumer reports

While review my credit report, it showed 1 credit inquiry that I have no knowledge of ever authorizing from : XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I first informed the 3 major credit bureau that businesses has been adding hard inquiries to all of my reports. I hadnt attempted any credit or business from the particular companies in question.
Product: Credit reporting or other personal consumer reports

I have an old medical bill that is showing on my credit reports. The bill is {$1200.00} and is showing Wakefield and asociates. 

CFPB Finalizes Rule to Remove Medical Bills from Credit Reports