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

I am writing to express my deep concern and frustration concerning the ongoing issues I have been experiencing while trying to remove fraudulent items from my credit file with XXXX, Equifax and XXXX Credit Bureaus. These fraudulent items have been causing significant distress and financial hardship, and despite my multiple attempts, the situation remains unresolved. I believe it is essential to provide an overview of the numerous attempts I have made : I first noticed the fraudulent items on my credit file and promptly contacted XXXX, Equifax and XXXX Credit Bureaus. I explained the situation and submitted the required documentation. I was assured that the issue would be corrected promptly. After not receiving any updates or resolutions, I followed up on the status of my case. I was informed that my case was under review and that I would be contacted shortly. To my dismay, I had still not received any updates or resolutions. I made another inquiry and was told that my case had been escalated and that I should expect a resolution within a specific timeframe. Kindly help me remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

This is my place of employment and they continue to call this number instead of my private number even though they have been requested numerous times that I can not receive these calls at work nor confirm my social security number at work. It is a public place that anyone can hear the conversation. I have requested they call my private number but refuse to and then state that is me refusing the debt and still continue to call my work
Product: Debt collection

On XX/XX/XXXX I sent a debt validation letter to PlusFour Inc. as they showed on my credit report for {$450.00} and {$430.00}. They rejected my attempt to deliver the letter. I sent a follow up email regarding debt on XX/XX/XXXX. Still no verification of debt. I have never once received a statement or acknowledgement that this exists. Would like both trade lines deleted from my record immediately.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigated but how is that possible if the account number on my XXXX, Equifax, and XXXX credit reports this account is inaccurate. This was properly investigated and shouldnt have came back verified and accurate. That is false information they are telling me. 

Account listed below : XXXX has it listed as XXXX XXXX XXXX : XXXX Equifax has it listed as XXXX XXXX XXXX : XXXX XXXX has it listed as XXXX XXXX XXXX : XXXX XXXX XXXX XXXX however has an account number listed for me that doesnt match up however this needs to be removed asap from my credit The ground for removal that also violated my rights under : 15 U.S.C. 1681 section 602 A. States I have the right to privacy 15 US.C : 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX however has an account number listed for me that doesnt match up however this needs to be removed asap from my credit
Product: Debt collection

The company IC System sent me a notice of a debt, I disputed and asked them to no longer contact me. The company totally ignored the law and sent me another letter that included a Driver License that violates the privacy act of sharing private/protected information with third parties. My complaint is the company deliberately ignored and broke the law by sending me a letter after I clearly stated in writing to no longer contact me. They also included protected information that should not have been shared with third parties. I have the letter as proof. Please help me for I am concerned they will continue to harass me.
Product: Checking or savings account

U.S. Bank has frozen my small business checking account without providing any specific reason or timeline for resolution. After hours on hold with their customer service department, I've determined their New Accounts/ Account Verification Department placed my funds on hold. Since then, I have been unable to access the money needed to operate my business. I have contacted support multiple times by phone and social media, but all XXXX agents refuse to assist or provide an escalation path. I have submitted all requested documentation, verified my identity multiple times, and still can not get a clear answer. 

I am a XXXX  and this account is used for active small business operations, specifically my business 's cash reserve. U.S. Banks actions are disrupting my ability to fulfill obligations to my clients and are damaging my business reputation. I have not been told of any actual fraudulent activityonly vague references to verification or risk, and I am being stonewalled when I ask for clarification or escalation. 

Their process lacks transparency, fairness, and regulatory compliance. This is unacceptable behavior for a national bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 separate items showing on my credit report from Mid South Adjustment. The first item is showing a balance of {$1000.00} and the 2nd is showing a balance of {$1600.00}. It is showing as a physical therapy institute. I have never had physical therapy. These accounts are not mine. I sent over a Debt Validation Letter to them and the attached return Receipt shows that it was received on XX/XX/2018 by someone named XXXX. They still have not sent me any of the paperwork that was requested in the validation letter and it has been over the 30 day period.
Product: Credit reporting, credit repair services, 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 these reporting accounts 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 XXXX XXXX Balance : {$480.00} XXXX XXXX XXXX XXXX : {$360.00} XXXX  XXXX XXXX Opened XXXX XXXX, XXXX Balance {$1400.00} XXXX  XXXX XXXX XXXX Balance : {$500.00} XXXX XXXXXXXX XXXX XXXX XXXX, XXXX Balance {$120.00} XXXX XXXX XXXX Balance : {$480.00} XXXX XXXX XXXX  Opened XXXX. XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

These inquiries are not authorized by me XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX These other inquiry I only authorized 1 and they did 3 for no reason and without authorization XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, authorize nor benefit from following inquires below. Please remove them from my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file an urgent complaint regarding fraudulent items that have appeared on my credit file. It has come to my attention that there are inaccuracies in my credit report resulting from fraudulent activities, and I am requesting an immediate and thorough investigation into these matters. 
I understand the gravity of identity theft and the potential harm it can cause to my financial well-being. Therefore, I request that you prioritize the investigation of these fraudulent items and take swift action to remove them from my credit report. 

Enclosed with this letter, please find supporting documentation related to the fraudulent activities, including any police reports, identity theft, or other relevant evidence. I have also taken the liberty of marking the specific items in question on the copies of my credit report that I am providing for your reference. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that you conduct an immediate and thorough investigation into these matters. I expect the results of this investigation to be provided to me within the legally mandated timeframe. Additionally, I request that you notify all relevant creditors and parties involved of the fraudulent nature of these items and ensure that they are promptly removed from my credit report. 

Given the urgency of this matter, I kindly request that you expedite the resolution process and keep me informed of the progress throughout. I can be reached at the provided phone number or email address for any further clarification or information you may require. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$880.00} XXXX XXXX XXXX XXXX Balance : {$990.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$880.00} XXXX XXXX XXXX XXXX Balance : {$990.00} XXXX XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Balance : {$990.00} XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX
Product: Checking or savings account

Well, Ive had this account since XXXX and I havent had a problem with it up until XX/XX/XXXX. They cashed a check for me. It was a two party check that belong to a friend of mine that I had cash for him and they told me that it didnt scan or something like that if I was gon na put a hold on this account and closed it through the first of XX/XX/XXXX Ive tried everything to solve the problem but I cant do any thing other than what Ive already done about it. The guy that originally wrote the check is my boss and he cant recall the money because its in my bank and now my money and he cant take money from my account and the guy that I cash the check for Has passed away may the XXXX XXXX Ive give her phone numbers Ill give them addresses are done everything that they ask to get my money but its still locked up and theyre closing my account out please help me. I worked real hard {$750.00} for my money its about caused me to lose my car over this, I appreciate any help I can get in. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing this complaint to alert you that I was the victim of identity theft. I looked into how to delete the bogus entries from my report and discovered that I needed to file a report with the FEDERAL TRADE COMMISSION or https : //www.ftc.gov. Credit reporting agencies are required by FCRA section 605b to remove/block any items reported on an id theft report. Please see the ATTACHED documents to help you stop the incorrect information that is being uploaded on my report. 

The following is a list of items that do not belong to me and were opened without my consent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX Balance : {$960.00} ; XXXX XXXX XXXX XXXX Balance : {$6800.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$410.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$620.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$670.00} XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$120.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$180.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have sent off a letter to dispute the info on my report I have not gotten back the validation of the erroneous items on my report these items are hurting my credit report
Product: Mortgage

No ember was the first payment for the rocket mortgage loan and I have sent in email and correct to each of the credit report agency about this as well, explaining that we never received the payment information or payment booklet, we made the payment soon as the first payment due statement was sent.
Product: Credit reporting or other personal consumer reports

I have a collection the i do not recognized. They reinserted on my credit report. I have write transunion multiple times and no solution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX**** ; XXXX XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX ) XXXX** ; XXXX XXXX ( Original Creditor : 12 XXXX ) XXXX** and XXXX  XXXX XXXX** The accounts were never past due, I never made a late payment to this company ever  please change this, I have a good relationship with these companies.
Product: Credit reporting or other personal consumer reports

Regarding XXXX XXXX : I viewed my Experian credit report today and my credit score has dropped because of the investigation with XXXX XXXX. Who ever heard of submitting a dispute and all of a sudden, your credit score gets worse? Truly unbelievable. Once again, this account was NEVER in collections. I was never notified by mail or email or phone. Even when I spoke with XXXX, they said the account was never in collections. According to my credit report from XXXX it shows I was in collections for {$900.00} for the month of XXXX. This is a classic example of a major company not communicating with another department within their company. That account was paid in full on XXXX XXXX, XX/XX/2023. How can I have a collection account with them for the month of XXXX when it was paid to a XXXX  balance on XX/XX/2023? ( Document provided ) What did they wait until I paid them off and then say I was in collections on the same day? If you view the documents, I'm providing you'll see according to them on XX/XX/2023 I paid them {$840.00}, and it shows the remaining balance owed to them is XXXX. On XX/XX/2023, I paid them {$900.00}, and it shows the remaining balance owed to them is XXXX. How could I have a collection account on this account from XX/XX/2023 to XX/XX/2023 when both receipts SHOW a XXXX  balance owed. This account was never in collections, and I want it removed from my credit report and I want my credit points reinstated immediately.
Product: Credit card or prepaid card

I filed a complaint against Bank of America with the CFPB # XXXX. The problem I always have with this bank is that the employees try to strong arm you into dropping your dispute. They create so many obstacles most people would just give up. 

In this case, I filed a dispute against XXXX and I got into a very heated argument with a Bank of America employee @ XXXX XXXX. She reported to the consumer financial protection bureau that I no longer needed assistance from Bank of America for case # XXXX. Now, that statement is light years from the truth. 

I faxed all the documents to them that was requested of me and before the deadline. So why did this lady report false information to the CFPB? I hope Bank of America will go back and pull our phone conversation that accrued on Monday XXXX XXXX,2017.
Product: Credit card

I did not know the category to select, but this seems to be the best fit. I do not owe anything and I constantly get calls from XXXX XXXX XXXX XXXX. They do n't want to tell me the company name and thick accept that it is difficult to understand what they are saying. The call very often. They are very persistent. If you call back they know who is calling ( your name ). 
I think I controlled the situation by calling them back multiple times back to back. XXXX reports this number as a fraudulent collection agency.
Product: Credit reporting or other personal consumer reports

CFPB JUST ERASED MY WHOLE DISPUTE. XXXXXXXX XXXX XXXX XXXXXXXX received my remittance coupon payment that was sent on XX/XX/year>. XXXX XXXX XXXX XXXXXXXX closed my account on XX/XX/year>. Also still reporting late payments to all three bureaus. SAD!!!!!!!!! 

Violations of My Consumer Rights!!!

28 3002-10 ( Person ) 18 USC Section 241 15 USC 1650 15 USC 1692 ( g ) ( d ) 18 USC 657 18 USC 1032 18 USC 1344 UNIVERSAL DECLARATION OF HUMAN RIGHTS ARTICLE 22 ( Relization ) ARTICLE 28 Everyone is entitled to a social and international order in which the rights and freedoms set forth in this Declaration can be fully realized.

ARTICLE 30 Nothing in this Declaration may be interpreted as implying for any State, group or person any right to engage in any activity or to perform any act aimed at the destruction of any of the rights and freedoms set forth herein.
Product: Consumer Loan

XXXX COMPLAINT, I WANT REIMBURSEMENT FOR THE FUNDS I 'VE SPENT ON A ILLEGAL CONTRACT WITH ALLY BANK, ALLY FINACIAL, I 'M OUT OVER {$15000.00} IN SIX MONTHS FIGHTINGTHESE PEOPLE, I WANT XXXX. 
XXXX NEW JERSEY TOO REIMBURSE XXXX XXXX CREDIT CARD FOR THE $ XXXXIT COST TOO CORRECT THE DEALER FRAUD ON MY CREDIT CARD FROM XXXX XXXX XXXX? 
HE USED THE MONEY ON HIS SELF, NOT THE {$6000.00} USED INFINITY THE DEPOSIT WAS GIVEN FOR. 
HE ALSO RECEIVED {$14000.00} FROM ALLY FINANCIAL INSTITUTIONS, THEY WERE TOLD PRIOR TOO GETTING THE VEHICLE TITLE FROM XXXX. 
THE XXXX XXXX WAS A BAIT & SWITCH TACTED, THE FINANCE COMPANY STILL SAIDS THEY HAVE NO CONNECTION WITH DEALER, THAT 'S WAS FOUND BY THE STATE, GOVERMENT, NJ XXXX XXXX XXXX, ALL COMPLAINTS WERE FILED. 
THE DEALER STOLE THE MONEY, GOT THE CAR BACK TOO RESELL AGAIN THROUGH ALLY FINANCIAL RESELLING CAR BACK TOO THE NEW JERSEY AUCTION IN XXXX XXXX. 
XXXX COULD NOT FIX A XXXX XXXX NEEDED A MINIMUM OF {$7000.00} IN REPAIRS TOO MAKE CAR LEGAL IN NEW JERSEY. 
THE CAR WAS IN A MAJOR ACCIDENT, UNDISCLOSED BY DEALER TOO ME OR ALLY FINANCIAL! 
I KNOW ALLY NEW BECAUSE I NEVER HAD A APPLICATIONS FOR CREDIT, THEY SENT ME A TURN DOWN LETTER AS WELL AS XXXX OTHER FINANCIAL INSTITUTIONS. 
I WAS DECLINED FINANCING EVEN WITH A FICO OF XXXX IN XXXX DUE TOO MY NEW XXXX LEASE IN XX/XX/XXXXTHE CREDT BUREAU REPORTS KEEP LYING ON THE REPORTS, THERE WAS A ACTIVE FRAUD ALERT ON ALL THREE CREDIT BUREAUS REPORTS IN XX/XX/XXXXWE HAVE PROOF, XXXX HAS DELETED ALLY FINANCIAL FROM THE CREDT REPORTS AFTER THRE INVESTIGATIONS. 
I 'M TIRED, BROKE, AN CAN NOT STRAIGHTING OUT MY CREDIT CARDS, OR PROBLEMS I NEVER LEGALLY BOUGHT. 
I WANT ALLY TOO REIMBURSE MY COSTS, DEALER THE CREDIT CARDS, WE HAD TOO FILE CRIMINAL CHARGES AGAINST XXXX. 
THEY ARE ALL APART OF THE DISCRIMINATION CASE YOU PROCESSED VIA DEPARTMENT OF JUSTICE, CONSUMER PROTECTION AGENCY IN XXXX XXXX XXXX , ON XXXX, SOCIAL SECURITY ONLYWAS ABLE TOO STARVE MYSELF, NO TRAVEL, NOW CAN NOT PAY ELECTRIC, SOME ONE HELP ME GET SOME ONE TOO GET ALLY TOO REIMBURSE THE CAR, MY COSTS, REPAIRS, ATTORNEYS FEES. 
SIX MONTHS NOW, XXXX XXXX XXXX
Product: Debt collection

I wrote and mailed a dispute letter to XXXX, XXXX and XXXX in XX/XX/XXXX, pertaining to a collection account that had been placed on my credit report from the collection company XXXX XXXX XXXX. XXXX and XXXX responded with a copy of my credit report stating that the account in question was verified by the creditor but XXXX never responded. XXXX XXXX XXXX did not provide any documents or evidence to verify the account, but instead stated I owe XXXX. I sent another dispute letter to XXXX, XXXX and XXXX in XX/XX/XXXX asking again for proper validation of the debt, and instead of verifying the debt XXXX XXXX XXXX reported the debt again for the previous amount of {$820.00}. Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt, therefore I am requesting that you investigate this matter and delete this account from XXXX, XXXX and XXXX or provide me with physical proof, such as a signed legal binding contract. Your immediate response will be greatly appreciated.
Product: Credit reporting or other personal consumer reports

I have an account in collections that belongs to my spouse that I was managing for him due to his illness. This is an XXXX XXXX XXXX XXXX account that is not in my name. My spouse allowed me to speak to the representatives on his behalf. He was a customer for XXXX years with the company and decided to end the relationship with them after they failed to provide promised promotions due to him being a loyal customer. I have not XXXX bill in my name. They even told me on the phone that the bill had a XXXX balance. I attempted to negotiate a new service package from this provider for my spouse from XXXX and they failed to adjust the account where it was affordable. The account holder had a XXXX in XX/XX/year> and has been unable to negotiate this account. They have not even contacted the true account holder and just attacked my credit report because I was on the account to assist in managing it. Please review for accuracy.
Product: Debt collection

I got a secured credit card through XXXX XXXX in XXXXI used it once, and was told by XXXX XXXX my score dropped XXXX points.I immediately called XXXX XXXX to cancel my card.The representative I spoke to told me I didn't owe any additional amounts, it was a secured card.A few months later, A default with XXXX XXXX appeared on my credit.I called XXXX XXXX, and was told my debit ( That I had no idea existed ) had been transferred.I have tried to dispute this debt repeatedly, just to receive letters stating I owe the debit, with no breakdown of the supposed debit, and letterheads from XXXX XXXX that have different dates.According to Portfolio Recovery, I was sent a letter in XXXX of 2019 from XXXX XXXX.I never received this letter.The letter I have received from Portfolio Recovery states " on or about XX/XX/2019 '' Is when my credit card debit was acquired.This is written on a XXXX XXXX letterhead.Obviously this is not from XXXX XXXXThese people buy debit for pennies on the dollar, lie, intimidate and cajole people for money they do not owe.
Product: Debt collection

I have multiple accounts that they are saying is my debt. They call 20 times a day and will not give me any information that I ask for or proof that said accounts are mine. My legal attorney told me to advise this falls under 15 USC 1692g and 15 USC 1681c-2. Please see the attached documents