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

These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off 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
Product: Credit reporting or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing the account as it was opened without my knowledge, consent or authority. I contacted the company and they said to file the FTC affidavit from the site identitytheft.gov. Please dispute the account. It was opened without my knowledge, authority or consent. 

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

The XXXX XXXX has reported to the credit bureaus that I was 30 days late on my XX/XX/2020 Mortgage payment. I was not 30 days late on my XX/XX/2020 payment. The XXXX XXXX has even confirmed this information. However, The XXXX XXXX has not contacted the credit bureaus to correct the error as this is the most efficient way to fix the error and get in compliance with the FCRA. My XXXX 2020 payment is showing 30 days late on both my XXXX and Equifax report. This needs to be updated as on time ASAP. This error in reporting is causing a delay in my new mortgage application. All XXXX XXXX XXXX needs to do is contact XXXX and Equifax and update the XXXX 2020 payment as on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX ,  XXXX  I brought a  XXXX   XXXX   XXXX  from  XXXX   XXXX   XXXX  in   XXXX     XXXX , I had just joined the  XXXX  and was heading to  XXXX   XXXX , California to be stationed. Within the first week of having the car, I had to take it back to dealership five time to get work done on it. I got tired of doing that I contacted their big man in charge, he informed me that they were not suppose to sell the car because it was n't ready to be sold, on top of that, the Lady who sold the car to me which later I found out fired, told me that I had GAP insurance and come to find out I didnt, the reason she got fired was because she did alot of lying. I currently still have the car.     I have tried to do numerous times to get them to work with me and they never would.     In  XXXX  of  XXXX , I got stationed in  XXXX ,  XXXX , I have my mother Power of Attroney for my car after I tried to turn the car back in after having some many issues with it and I was told I can not turn it in, and they would contact my   XXXX   XXXX   XXXX   XXXX   XXXX   if i did. So while in  XXXX  my mother had POA because we would be on  XXXX  alot and communication is not the easiest, they did not want to talk to my mother so they wasnt receiving payments because they did not want my mother doing it and they wanted to talk to me which was impossible.     While on  XXXX  about a year,  XXXX   XXXX   XXXX  decided to set up a court date and we turned in all paperwork stating I was on  XXXX  and that I could not come to court for missed payments, so they garnished my wages and currently is still garnishing my wages for the full amount of the car not just the past due which totally incorrect. From my knowledge, if someone is on  XXXX  and can not make it to court they can not do that and that if my wages are being garnished they are responsible for providing me with a monthly statement of how what my balance is and I have yet to receiv e one in  the year that they have been garnishing my wages. Everyone I have spoke to about this company talks about how unprofessional they are how they just try to get over on service members. Please help me, they are ruining my life.
Product: Credit reporting or other personal consumer reports

Dear XXXX, XXXX and Equifax, I am writing to dispute and request the immediate blocking of all fraudulent and collection accounts that have been reported on my credit report. These accounts were opened and used without my authorization and do not belong to me. 

In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), I am requesting that you block the following fraudulent accounts and Collections accounts from my credit report : [ XXXX XXXX XXXXXXXX {$210.00} ; XXXX XXXX XXXXXXXX {$440.00} ; XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX ] Collections [ XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] I also do not recognize the following HARD inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

To support my claim, I have enclosed the following Documentation : 1 ) A copy of my Goverment -issued ID. 2 ) A copy of a recent utility bill. 3 ) A completed Identity Theft report filed with the FTC.

As required by law, please block these fraudulent accounts and refrain from firnishing them to any third parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years.

15 U.S.C. 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.
Product: Credit reporting or other personal consumer reports

Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within XXXX business days.
Product: Credit reporting or other personal consumer reports

Hi, this is shocking to know that my credit report has been improperly used, applications were done in my name and these companies pulled up my credit report without my consent nor authorization, Neither I recognize these fraudulent inquiries nor consented to it. I am in dismay and disbelief that this have been done violating my rights as a consumer, it is absolutely insulting to me as a law-abiding XXXX.
Product: Credit card or prepaid card

BECU, Didnt notify me of the credit card APR change from 0 to 10 %. 

Also, did not refund $ XXXX after I was scammed and fraudulently lost money from my account.
Product: Money transfer, virtual currency, or money service

I used Remitly to send money to XXXX. The aplicacin at first didn't fin the account but eventually a low the money to go through. After a month, the business we set the money to sent us a notification that we never paid them. I contacted Remitly and they started an investigation. After three weeks of not hearing back, I contacted them again. They said they received a verval confirmation from the recipients bank that the money was deposit and asked me for the recipient bank statement from the month of XXXX. As a business, they will not provide a bank statement to me. All I need is for Remitly to give me an statement confirming that the money got to the account and I can send that to the recipient or a refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681c-2 states that you must Block and Removal of the information on my Credit report.
Product: Student loan

On XX/XX/XXXX, I called and spoke to a rep concerning my student loan payment that was taken out XX/XX/XXXX. I had explained to the rep that the CARES Act had passed and that no interest should be taken out of my payment from XX/XX/XXXX, through XX/XX/XXXX. She agreed and explained that they were backed up and to give things a few weeks to refresh and update to my records. 

It wasn't until XX/XX/XXXX I decided to log in to my account since my conversation last spring. There was no change to my payment history. I still had my {$400.00} ( {$340.00} principal {$52.00} interest ) payment reflected. The rep advised her was putting in an inquiry for research and someone would respond within 3-5 business days by mail. 

This evening, XX/XX/XXXX I reached out again. I was advised that the CARES Act went into effect XX/XX/XXXX and that inquiry that took place last month denied my request for refund. I never requested a refund. I requested if the payment was to be taken out to please move the interest incurred into the principal.
Product: Credit card or prepaid card

Dispute was Filed XX/XX/2021, for XXXX bank transfers that were done and not authorized by me and did not go to my account. I called, filed a dispute form, called again and they stated that I had to write it out, by hand, and fax it, with a photo attached with my card. I did. It has been over 90 days.
Product: Debt collection

Company has been contacting me regarding this auto loan, company has taken it far to have a law enforcement agency reach out to me regarding this debt never gave me information to dispute this debt and repair credit, when I informed them there data was inconsistent and that my payment history was in accurate and last date of activity is not accurate credit reporting company did not fix and when I took it to the source at Carmax and filed a dispute with them they informed me information was accurate and readded the debt back to my credit report and never gave me information from this company to dispute the inaccurate they had on my credit profile causing my credit score and payment history to not be consistent via XXXX, XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to dispute XXXX XXXX reporting of XXXX XXXX XXXX accounts as recently as XX/XX/XXXX with XXXX repeatedly refusing to open the FCRA dispute. XXXX XXXX XXXX is reporting the wrong amounts and wrong dates to XXXX by their own admission to Consumer Finance Protection Bureau ( please see attached ) in ongoing efforts to extend the duration of irreparable to my credit report and rating score. The accounts were open in XXXX and XXXX respectively but are noted as XXXX. I do not have a contract with XXXX XXXX XXXX and these accounts are not in an open status. XXXX   should immediately delete the false and inaccurate reports being nade by XXXX XXXX XXXX. XXXX should appropriately reage my credit score. Also, I am victim of a natural disaster and XXXX  has refused to update the report as such. 

XXXX XXXX XXXX statement on XX/XX/XXXX. 
" Business records provided to us by XXXX XXXX XXXX ( XXXX ), XXXX. ( XXXX XXXX ) reflect that on or about XX/XX/XXXX, XXXX XXXX opened a MasterCard credit card account ending in XXXX for XXXX XXXX XXXX whose social security number ends in XXXX. Those records further reflect that a contract was formed when the account was used and that a balance of {$460.00} was due on the account when we purchased that account and its contract from XXXX XXXX on or about XX/XX/XXXX, together with the right to receive payment of the balance due. XXXX sent its initial notification letter regarding this account to you on or about XX/XX/XXXX, XXXX Business records also provided to us by XXXX  XXXX reflect that on or about XX/XX/XXXX, XXXX XXXX opened a MasterCard credit card account ending in XXXX for XXXX XXXX XXXX whose social security number ends in XXXX. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to each reporting agency for a resolution but was not able to achieve one. 

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 USC 1681. 
Account name and number. 
XXXX. XXXX XXXX ( XXXX ), XXXX XXXX XXXX I ( XXXX ), XXXX XXXX XXXX I ( XXXX )XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX XXXXXXXX ), 15 U.S.C 1681 section 602 A States I have the right to Privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer repot containing any of the following items of information Any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C 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.
Product: Debt collection

1. XX/XX/year> XXXX sent " Notice and Demand to Validate Debt Claim '' 2. Alleged balance +/- {$2000.00} 3. Debt Collector ( XXXX XXXX XXXX XXXX XXXX, American Express ) failed to validate the account 4. XX/XX/year> consumer sent " Notice of Default for Failure to Validate Debt Claim '' 5. XXXX Collector is required by law to " cease and desist '' all collections activities for failure to validate purported debt. 
6. Debt collector has continued to report negative collection activity for the months of XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX IS A FRAUDULENT ACCOUNT I ASKED FOR INFORMATION TIME AFTER TIME AND NOTHING. 
XXXX XXXX XXXX IS FRAUDULENT ACCOUNT. 
XXXX XXXX  IS A FRAUDULENT ACCOUNT DUVERA IS A FRAUDULENT ACCOUNT I HAVE NOT DONE BUSINESS WITH ANY OF THESE COMPANIES IM JUST ASKING EACH COMPANY TO SHOW PROOF AND THE CREDIT BUREAUS TO DO THEIR JOB DO A REINVESTIGATION BY LAW. I EVEN HAVE ATTACHED THE DISPUTES I HAVE DONE IN THE PASS REQUESTING THE ACCURACY OF REPORTING.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and TransUnion are reporting late payments on account XXXX XXXX during XXXX and XXXX. According to the Fair Credit Reporting Act late payments are a violation under 15 USC 1666b.
Product: Debt collection

On XX/XX/2017 I became XXXX and still am XXXX now. For 6 months following my initial XXXX date I received no income. It was hard to even keep food on the table. Id bought a vehicle prior to my XXXX and could no longer afford payments. I contacted my finance company to voluntarily surrender the vehicle. They wouldnt acknowledge this and rather than picking up the vehicle, they continued to harass me for the payment for 5 months, all the while the vehicle sat in my driveway undriven and in immaculate condition. Then, it was repod like a thief in the night. Id have given them the keys but they preferred to treat me like a criminal. After a couple of months, I began receiving calls from a debt collector. The truck had been auctioned and of course, there was now a negative balance they claimed I owed. This debt collector called both my wife and Is cell phones Sundays, Saturdays, morning, night, holidays, etc, daily demanding a payment. This went on until just a couple of months ago when I explained that I have been on XXXX and didnt realize the dealer shouldve paid off the vehicle with my XXXX insurance I was sold by the finance department. Theyve now sold the debt to a new debt collector. I challenged this debt with XXXX XXXX who ruled in the debt collectors favor, naturally. Im trying to buy a house now and cant because this bogus XXXX is on my credit report. Id like to sue all involved. They shouldnt be able to get away with ruining a XXXX mans life, but they do.
Product: Debt collection

JP Morgan Chase bank has made my credit report look its worst I am unaware of the charges I will like a copy of the original contract with me and the lender name on it that shows this debt is mine. The amount shown on my report is ridiculous and already is shown as it being written off on their taxes this is tax fraud and I would like this negative inquiry off of my report
Product: Vehicle loan or lease

Paid off loan in  XXXX  of  2017  with   XXXX   XXXX   . Vehicle was paid off with 2 pa yments of {$1100.00} and {$1500.00}. Company notified my that the title would be mailed  5-10  business days and still have n't received. Upon contacting the company they claim that the last payment should have been made by a cashiers check to clear not a credit or debit card payment. The balance is  XXXX  and shortly after paying the vehicle off I switched banks. They are now asking me to retrieve bank statements from my old bank to show proof I paid the vehicle off. I do not believe this is fair to me the consumer as I have waited almost 2 months for a title and they refuse to release it to me. I need help.
Product: Credit card or prepaid card

I have disputed this account and have reached out to the XXXX MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Product: Credit reporting or other personal consumer reports

Shellpoint mortgage incorrectly reported a 60-day late payment for the month of XX/XX/year> to all three credit agencies. Shellpoint has reversed the late payment for my husband ( XXXX XXXX ), but not myself. I am requesting that Shellpoint Mortgage reverse the incorrect late payment to all three credit agencies as soon as possible ( XXXX and XXXX ).
Product: Credit reporting or other personal consumer reports

THE FOLLOWING INQUIRIES ARE FRAUDULENT AND NEEDS TO BE REMOVED : 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, XXXX XXXX, have been having issues with someone using my identity to open accounts since XXXX of 2012. I have seen several accounts and inquiries show up on my credit reports that I am no responsible for. I am not sure of who may have obtained my information. I would like to have all fraudulent accounts and inquiries removed. The information of this activity has already been reported to the credit bureaus. I have also filed a police report for this incident.
Product: Mortgage

My loan allows a prepayment of 20 % per year without penalty. In XX/XX/XXXX of this year I contacted the mortgage servicing company, Shellpoint to clarify the exact amount of prepayment within the 20 % margin. The phone rep said she would forward the request and I would get an answer within a week. Several weeks passed with no contact. Then in earlyXX/XX/XXXX I called again and the rep recommended I just make the request on line. So on XX/XX/XXXX I accessed the Shellpoint website and requested the prepayment amount on the loan. A week later someone forwarded me a copy of several pages of the original loan that cover the 20 % prepayment allowance ( attached ) but again no dollar amount was provided. The next day I called again to request a specific dollar amount and again the rep said they would forward the request. Several weeks passed again with no contact. I called again on XX/XX/XXXX and this time I wrote the rep 's name ( XXXX ) who also promised to submit the request. She said I should get the dollar amount within 5-7 days. After no follow up contact I called one final time and spoke to XXXX who said she would pass the concern to her supervisor named XXXX. I have not been contacted since. This is ridiculous and unacceptable. Just asking for 1 simple dollar figure and nothing more.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please correct or remove the following : 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

In accordance with the Fair Credit Reporting act XXXX  using account XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Money transfer, virtual currency, or money service

XXXX-2017 XXXX XXXX in New York removed my withdraw permission because they detected that I logged in from a new device. Should have been restored in 24 hours. It was not because their system continues to believe that I am logging in from a new device. So the account remains suspended. I followed their protocol to address the issue. It did not work. I am logging in from the original device used and they still are not restoring my privilege. Only auto email response. No humans in this space. No ETA for response. There is a huge opportunity cost in hold people 's money hostage when there is extreme volatility. Should be laws that require exchanges to have a staff sufficient to address client issues. They do n't mind letting you in and collecting fees. They need to honor their side of the deal and provide legit. service. This is causing me great stress and I they can not reimburse me for that.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/22 RE : XXXXXXXX OPORTUNPROG,  XXXX we have disputed this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraudulent accounts on my credit profile that I did authorized, on my credit profile that needs to be deleted/removed ASAP. 

These are the HARD INQUIRIES that needs to be deleted/ removed immediately from my credit profile. 

- XXXX XXXX XXXX - XXXX XXXX - EXPERIAN XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX