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

On XXXX I noticed I had a few negative accounts reporting to my consumer credit report that I did not recognize so I called XXXX, Experian, and XXXX to have them removed. They all informed me that I needed to file a FTC report and mail it to them. I decided I should send dispute letters instead to validate the debt in hopes it would be deleted with no issues. Unfortunately that was harder than expected, all 3 credit reporting agencies did not remove these items from my validation letter efforts. Discouraged I called all 3 agencies again to see what I could do, thy instructed me to again file FTC ID Theft reports. So between XXXX I filed FTC ID Theft reports for the accounts I did not recognize ; FTC Report Number XXXX XXXX XXXX, FTC Report Number XXXX XXXX, FTC Report Number XXXX XXXX, FTC Report Number XXXX XXXX, FTC Report Number XXXX XXXX, FTC Report Number XXXX XXXX, FTC Report Number XXXX XXXX. I called all Credit Reporting Agencies again after filing and they instructed me to mail the report to them, I emphasized that I did not feel comfortable mailing sensitive information especially with my information already being compromised yet they said nothing could be done over the phone.
Product: Credit reporting or other personal consumer reports

I am writing to formally demand the prompt removal of fraudulent accounts that have been wrongfully included on my credit report without my written authorization or wet signature, as required by law. These inaccurate listings, which are the result of identity theft, have caused me significant emotional distress and financial harm by misrepresenting my true credit history and obligations. 

Despite previously notifying your organization about this unlawful issue, the fraudulent accounts remain on my report. This is unacceptable. I am now demanding that you block and permanently delete these specific items from appearing on my consumer credit report within four ( 4 ) business days of receiving this notice. Copies of my driver 's license and social security card are enclosed to verify my identity.
Product: Payday loan, title loan, personal loan, or advance loan

My mother was contacted from this number XXXX XXXX XXXX then given XXXX XXXX XXXX for me to call they told her they were attempting to collect a debt as well as advising her of the amount I owe and what they would settle for. They went and told her that they will be taking me to court if I do not pay it by end of day XX/XX/XXXX. She sent me a picture of the information given to her. 
When I called this lady XXXX I asked if she was allowed to give my information to my mother since I am an adult now and was an adult in XXXX and she said yes. She stated my mother gave her my date of birth and social security number. My mother denies giving any information as she does not know my social security number. The loan was taken out in XX/XX/XXXX and charged off in XX/XX/XXXX. I had asked why had I not seen it on my credit report, XXXX stated it will be if I did not pay today XX/XX/XXXX.
Product: Credit reporting

There are XXXX negative reports on my Equifax credit report, name of the collection agency is XXXX XXXX. There are XXXX accounts in collections, XXXX for {$1100.00} and XXXX for {$520.00}. I disputed both reports and the final result dated XXXX XXXX 2016 was that both accounts have been verified and will stay on my credit report. That ca n't possibly be true because I received a letter from the original creditor, XXXX XXXX XXXX XXXX indicating my account has been satisfied dated XXXX XXXX 2016. I attached a copy of the letter for your review, kindly update my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report regarding DISCOVER BANK ACCOUNT # XXXX and noticed some errors with this account. You all are reporting to the bureaus late payments for the XX/XX/2020 which is inaccurate. I have my payment stub for this month and the account was paid on time as agreed per contract at the opening of this account. 
Please update this information and provide to all three creditors as well myself via mail to the address above. If you decide to validate my claim as false, please provide physical evidence proving otherwise. 
Let me remind you per FCRA 623 you are required to correct inaccurate data provided to the bureaus on my report and provide any relevant information proving otherwise. Please recheck this information and report the updates as necessary. 
Please send correspondence via mail regarding the changes.
Product: Debt collection

I. C. System Inc. reported a collection on my file for {$120.00} charge from XXXX XXXX. When I was contacted by them in Decemeber I told them that my insurance company covered the charged and I was not sure why they where calling me. I even offered to pay the debt if they could show me where I owed the debt. I have not be contacted since.
Product: Student loan

XX/XX/2023 submitted an IDR plan application and never heard back. I have called nearly every day since XX/XX/XXXX to be met with estimated wait times ranging from XXXX to over XXXX minutes, have left a callback request and received a callback 3 times ... of those 3 times, 2 of them rang once and when I answered the caller hung up... The one agent who I did speak with, XXXX, she said she didn't see an application had been submitted though I confirmed it had been sent on FSA website... My other 2 servicers have already processed the request... I tried emailing as well but no response... I tried uploading the application and tax info and in the documents tab showing what I've uploaded only the tax info was there but only for 5 days, then it disappeared... I tried uploading the application again with the same result ... According to the agent J spoke with it should only take 24 to 48 hours to trigger a reply once documents are uploaded but here we are a month later and no response... Meanwhile, I have forked over one paycheck as of XX/XX/2023 to avoid default since I have a perfect payment record for almost 10 years including making payments during the pandemic pause which is the equivalent of 10 monthly payments under last year 's IDR plan ... I need some help from them since I received a billing reminder for next month that I can't make and will wipe out 10 years of on time payment...
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed items, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, Credit Bureaus must update the following items from my file. 
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XX/XX/year> 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 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: Credit reporting, credit repair services, or other personal consumer reports

Good Morning, I requested a few accounts to be removed since they were inaccurate, at first I didn't get a response them they were not able to probe me the accounts were legit. they just ignored my previous request and failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish.
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX XXXX XXXX XXXX - XXXX - {$0.00} XXXX  XXXX Bankruptcy - XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX
Product: Mortgage

I received a credit denial letter from Goldman Sachs Bank USA on XXXX/XXXX/2017 for which I did not apply. I have no knowledge of who this institution is or what they do. This bogus denial letter does not state the type of loan I supposedly applied for. Again, I never applied for any type of loan from this institution at any point past or present. Additionally, this institution is located in Utah. Near the same location to XXXX XXXX XXXX Bank of whom I complained on last year. Also near the headquarters of XXXX XXXX whom sent XXXX soft pulls of my credit over a 8 month period last year for which I also did not apply for credit to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the Credit Bureaus 3 times and the creditor about this inaccurate information on my report and they have failed to solve the issue. This is defamation of character and i would like to see original documentation from the creditor proving that this account is mines.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to correct this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX AUTO XXXX XXXX FIN XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As a victim of identity theft, I sent a 2nd letter on XX/XX/18 to Equifax outlining the information I was disputing on my credit report. In XX/XX/2018, an address in XXXX NM, that does not and has not ever, belonged to me appeared on my Equifax credit report. Subsequently, on XX/XX/18 and again on XX/XX/18, I received letters from Equifax stating that the NM address had been updated to my current address. On XX/XX/18, I sent a letter to Equifax disputing the NM address. On XX/XX/18, after waiting since my first letter of dispute in XXXX, I received an updated credit report that supposedly corrected all the disputed items. It still has the NM address on it. 

Then, on XX/XX/XXXX, I received from my ex-husband, a letter that was sent to his address where I have not lived for 17 years. It was a letter updating my address from his address to my current address. I called Equifax to see why the letter was sent to that address instead of my current address which they obviously have had since XXXX. They told me that they had not sent a letter to that 17 year old address. When I pressed my concern, because of the NM address, they again denied sending a letter there. Finally, they connected my with a different person in a different department who filed a dispute about both the NM address and the former address which should not still be on my credit report. They responded that this process will take at least 30 days and I will be notified via email regarding the outcome. 

I have had difficulty with Equifax throughout the whole process of obtaining my credit report, freezing credit, filing disputes and communication regarding the identity theft. I have had no difficulties with either of the other companies ... XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been waiting for the investigation results from Equifax, XXXX and XXXX  regarding this account : XXXX XXXX Account # XXXX but it has been more than 45 days and I still haven't received any response regarding my dispute.
Product: Debt collection

CAINE WEINER ( Original Creditor : XXXX PROGRESSIVE  ) XXXX {$260.00} which appears on my credit report. I believe this information to be inaccurate and potentially fraudulent, as I do not have any contractual relationship with CAINE & WEINER. Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute any information that is incomplete or inaccurate on my credit report. 

To date, CAINE & WEINER has failed to provide me with the original contract bearing my wet signature or proof of identity verification. Without these documents, they have not substantiated their claim that this debt belongs to me.
Product: Credit card

Someone tried to open an XXXX card in my name. It was not me and now the inquiry is on my credit and is damaging to my credit. Please help me by removing this fraudulent inquiry. 


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

I checked my online banking to see a charge marked as recurring from TransUnion for XXXX. I never signed up for any paid services from them, to my knowledge. I tried reaching them over the phone and was not able to get a hold of the credit bureau.
Product: Debt collection

I got served a Summons from the Attorneys of XXXX XXXX XXXX about a debt that I owed to XXXX XXXX XXXX. 
I sent them a debt verification letter in return and received a reply. 
In Utah, you have to be registered and licensed as a debt collector in order to try and collect on a debt. When I called the office of XXXX XXXX XXXX, I asked the gentleman I spoke to if I could have their professional license number so I could verify if they were licensed to be a debt collector. He claimed to not know where he could find this information, and I would have to do so on my own. 
I called the Utah Division of Commerce, Consumer Protection and found out that while XXXX XXXX XXXX is a legal law office, they are in no way registered or licensed to be debt collectors, so have no legal right to try and collect on my owed debt.
Product: Credit reporting or other personal consumer reports

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX  XXXX XXXX Balance : {$670.00} XXXX XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX XXXX XXXX Balance : {$8200.00} XXXX XXXX, XXXX Inquired on XX/XX/XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX XXXX Balance : {$620.00}
Product: Checking or savings account

I received a wire transfer from a family member of {$6000.00} for college and living expenses. After using my debit card twice, USAA blocked my card, and told me they would be closing my account down without any reason specific other than they have the right to. I never had any fraudulent activity with USAA or any financial institutions. I keep calling them everyday asking for a closing date but every agent gave me a different response each time I called. I still dont have access to my funds or the account.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible 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 submitted a questionnaire and they reversed the fraud item charged on my account, but did not reverse the the reported late payment
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting. States i have the right to privacy. 

and these thing are wrong on my report. 

XXXX XXXX {$440.00} XXXX Act # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$740.00} XX/XX/2023 Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX XXXX XXXX Ar XXXX 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: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's finding indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

J.P MORGAN CHASE BANK is in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., for unlawfully obtaining my XXXX  consumer report on XX/XX/2019 without my authorization or a permissible purpose under the FCRA. See 15 U.S.C. 1681b. 
I have not initiated any transaction with J.P MORGAN CHASE BANK. Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with J.P MORGAN CHASE BANK for review or collection.
Product: Credit reporting or other personal consumer reports

Hello, XXXX XXXX  has a nation wide banking error & is reporting business accounts to personal credit report in error. XXXX does not report business credit card accounts to personal credit unless it's delinquent. I talked to XXXX & they apologize for this error & said they would put in a request with the XXXX major credit bureaus, XXXX XXXX, XXXX XXXX Experian for this account to be removed immediately. However, XXXX 's error is causing extreme stress on me because their banking reporting error caused my credit scores to drop XXXX points & I have an over XXXX credit Fico score on all XXXX bureaus. Furthermore, Im in the middle of getting prepared to purchase real estate this month ( XX/XX/year> ) & my credit score being lowered extremely is devastating & will set me back tremendously, delaying me purchasing a new home!! Also, XXXX didn't even have the courtesy to send any emails or letters to customers warning us of this error, I just received d notifications from the credit bureaus that my scores drop extremely! This experience is stressful & devastating, I have worked too hard to have a really good credit score & to get in a positive position to buy a home! I was already frustrated with XXXX that every time I apply for credit, they pull from XXXX bureaus both XXXX XXXX XXXX Experian & I get XXXX inquires instead of just one, every time & I spoke to a supervisor about this & she said to let her know when this happens so they can correct it but nothing has not been corrected & now this, this reporting error is a way bigger issue but Im just exhausted from XXXX 's system errors. Thank You
Product: Credit card or prepaid card

I lost both my phone and my Cashapp Card on Saturday XX/XX/2023. I left them at a store. I was able to retrieve them in XX/XX/2023. Before I was able to get both back, two purchases were made - XXXX  XXXX for {$64.00} on XX/XX/2023 and one at XXXX for {$37.00} on XX/XX/2023. Neither of these were authorized by me and I have not shared my credentials with anyone or given anyone permission to use my card or account. Cashapp has denied my dispute for XXXX  XXXX and I am waiting to hear about the XXXX charge. I have asked support for the documentation used for the denial and am waiting to receive it. 

These were unauthorized transactions and I expect to receive my money back.
Product: Credit reporting or other personal consumer reports

I have sent my FTC Letter to the creditors and they still have not removed these items from my credit reports and by law I do know that you can have a account that is reporting as closed charge off with a balance that is due and none of the following accounts have been removed from my credit reports.
Product: Credit card or prepaid card

This XXXX limit my score is over XXXX And my lowest credit limit as with them in my second lowest credit limit as with XXXX XXXX for XXXX my highest one is my black card through XXXX XXXX and they just keep give me a XXXX credit limit should be at least {$20000.00} and I feel like theres discrimination her because I have better credit than my friend and I make over XXXX a year and I have over {$10.00} XXXX in assets and they keep declining me for a legitimate question
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX ; XXXX  XXXX XXXX  Balance : {$540.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX  Balance : {$590.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$640.00} ; XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX  Balance : {$810.00} ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX.