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

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. I need the following accounts to be updated from my file right away XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

I requested for HARP two years back in XX/XX/2013 that time my home appraisal came for around $XXXX and i got HARP refinance. Almost 15 months back i requested for PMI removal but my bank Wells Fargo denied after doing and appraisal my my LTV was less than 80% which makes me eligible. Wells fargo bank wants me to pay them around $XXXX to get rid of $XXXX PMI. I contact XXXX who is backing my loan, they said Wells Fargo will do remove PMI as they are my servicer but Wells Fargo simply denied. Fannie Mae rep say according to my LTV i am eligible to remove PMI but Wells Fargo reps are very stubborn while they are only servicer. Please help me to remove my PMI.
Product: Credit card or prepaid card

On XX/XX/XXXX I was fraudulently charged after someone impersonating someone I trusted. I was charged 5 seperate times for a total of {$980.00}. These were UNAPPROVED transactions, as I never signed anything or entered a pin number, which is in violation of Section 5 of the EFTA.
Product: Debt collection

In XXXX of XXXX I sent the offices of Suttell & Hammer ( XXXX XXXX   XXXX XXXX, WA XXXX ) a letter requesting the validation of an alleged debt from XXXX XXXX. On XX/XX/XXXX I received solely billing statements as a response. In my original request for debt validation I requested a total of 14 different pieces of information including the original signed application and agreement. In my original letter I stated the following. 

" Your claim can not and will not be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. '' Billing statements alone do not provide sufficient evidence needed to validate a debt. 

On XX/XX/XXXX I was notified by a housemate that a process server had come by in an attempt to serve me papers for a lawsuit. I then called Suttell & Hammer and inquired as to why they would move forward with legal action without properly completing the debt validation process. The dropped the suit the same day that I called them. 

On XX/XX/XXXX, almost seven months later, I received another envelope from Suttell & Hammer with the same billing statements as well as an affidavit of plaintiff. The Affidavit in no way provided any evidence that this debt belonged to me and stated only that the Affiant had alleged " personal knowledge '' about the record keeping practices at the original bank in which the debt allegedly originated from. 

I believe that it is an unfair practice to not only wait almost seven months to respond to a debt validation request, but it is also an unfair practice to use intimidation tactics such as lawsuits and affidavits as a way of collecting on a debt that can not be validated sufficiently. 

I would like to ask Suttell & Hammers collection practices be investigated and I would also like to request that if they can not provide the adequate documents to verify this debt, that they discharge it at once. 

Attorneys cited on Affidavit include the following XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There has been an identity theft on my Equifax credit report as someone is trying to apply for credit cards using my SSN and other info without my consent. There seems to be unauthorized hard enquiry with the name XXXX XXXX on XX/XX/2024
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( block , INC ) due to inadequate customer service and unfair practices which violate the consumer financial protection act. specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform. leaving my account vulnerable and unprotected. Their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act and regulation E. there actions have caused significant inconvenience and financial loss. and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

CMRE XXXX XXXX  has reported debt from a hospital and the hospital has been paid from my insurance and removed the co-pay with the financial assistance program from XXXX until XXXX. I have disputed this numerous times they also use excessive reporting and I have been denied credit and loans due to this false reporting. I have contacted them several times and they have not resolved this matter.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Credit Reporting Act, the list accounts below of has violated my Federally Protected Consumer Rights to privacy and confidentiality under 15 USC 1681 XXXX. XXXX XXXX Bank : Acct : XXXX XXXX XXXX  XXXX Bank XXXX Acct : XXXX XXXX. XXXX XXXX XXXX XXXX : Acct : XXXX XXXX. XXXX XXXX XXXX XXXX : Acct : XXXX XXXX. XXXX XXXX XXXX XXXX : Acct : XXXX XXXX. XXXX XXXXXXXX : Acct : XXXX XXXX. XXXX XXXX Bank Acct XXXX XXXX XXXX. XXXX XXXX Bank XXXX Acct : XXXX I have had a chance to review my XXXX Credit Report on XXXX the XXXX 2024 and notice some discrepancies, and things that are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the reports relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be incorrect or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Thank you sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello I am writing to delete the following information in my file.The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge.I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit.Please delete the items as soon as possible. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 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. 

Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX Account Name : XXXX  XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX  XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

PNC XXXX XXXX XXXX PNC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/year> i did want or take these actions. company did this own there own without my consent or knowledge
Product: Credit reporting

I am aware that a dispute is currently ongoing with Experian. I wanted to present new information regarding one of the items being disputed. A fraudulent account was opened in my name with XXXX XXXX. I filed a complaint against XXXX XXXX and they responded with the attached letter telling me they are no longer reporting this account to the credit reporting bureaus however upon my personal research I found that this account is still on my Experian credit report. I redacted text on the letter that is not relevant to my complaint however I do give Experian authorization to call the number on the letter from XXXX XXXX to confirm that they have given me written confirmation that they are NOT reporting the account any longer.
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within XXXX XXXX  XXXX ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, No.95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance.
Product: Credit reporting or other personal consumer reports

This credit is from a rental company that I never lived in
Product: Student loan

From approximately XXXX XXXX XXXX University XXXX XXXX MN XXXX XXXX false promises and statements regarding tuition costs, loan agreements, job demand, job placement, class requirements, accreditation, and other matters to myself and other students. 

Prior to admission, I was informed that all grants, and scholarship funds ( including American XXXX Sholarship Funds ) were depleted, and that the only option was loans. 
XXXX staff claimed that the " student loans were the fastest and easiest way to pay for school ''. XXXX XXXX XXXX staff stopped signing my loan agreements after I questioned the terms and conditions. 

In XXXX I attended National XXXX University XXXX XXXX MN XXXX and graduated from the Massage Therapy XXXX XXXX XXXX A.A.S. 
In XXXX, I enrolled in the XXXX XXXX XXXX. The school abruptly cancelled courses, and eventually closed its XXXX XXXX XXXX location, where those classes took place. 

As a direct and proximate result, I was forced to pay $ XXXX dollars on a high interest credit card. I later defaulted on credit card payments. 
Currently, XXXX Nationally has multiple lawsuits and class action lawsuits against its locations alleging systemic fraud, deceptive practices, and other allegations by former students. 

XXXX loans have been transferred to multiple lending agencies, with each XXXX of them engaging in practices to cause financial harm by prolonging the loans. 
Nelnet XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Great Lakes XXXX, all of these have at XXXX time handled the loans All of the forementioned entities have seemingly went out of business or disappeared without a trace. 

I made thousands of dollars in payments to all of these agencies. Those funds are lost. 
As of XXXX I currently owe approximately $ XXXX dollars on XXXX loans that originated from XXXX XXXX XXXX 

As of approximately XXXX, XXXX, XXXX, MN is closed. 
XXXX failed to pay its lease during the majority of the time it operated in XXXX, MN. 
I applied for and submitted multiple borrower defense applications, alleging fraud, and deceptive practices by the school where the loan originated. 

In XXXX, I received a letter from the XXXX Department of Education stating that had applied for a XXXX XXXX, and that my student loans would be XXXX entirely, and that lenders all reports to credit agencies would be dismissed. 

As of XX/XX/XXXX, my student loans are held by Nelnet XXXX XXXX. They are in default and have been reported to credit reporting agencies. 

In XX/XX/XXXX, I was referred to CFPB, and the MN XXXX XXXX XXXX XXXX by the Minnesota XXXX XXXX Attorney General. 
All forementioned entities should have documents in their possession regarding this matter.
Product: Debt collection

First of all, the alleged debt they are harassing me about has already been charged off. Second, they sold to a third party, then randomly said they decided to recollect, even though they already received credit on the account, twice, from my understanding. 
But the issue this is actually about is repeated phone calls, way more than 7 in a 7 day period. 
Anytime I have answered, no one says anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX Balance Owed : {$0.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX XXXX {$XXXX} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed XXXX {$XXXX} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$XXXX} XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX Balance Owed : {$XXXX}
Product: Checking or savings account

A scammer created a Bank of America account online using my identity online and deposited a fraud check for {$27000.00} using an ATM machine in XXXX  and cashed it out a week later on XX/XX/XXXX. I don't even live in XXXX. Bank of America is accusing me of that transaction and they took my money from me on XX/XX/XXXX without telling me and again on XX/XX/XXXX. I no longer can trust them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is choosing to update my credit balance with XXXXXXXX XXXX to reflect the {$0.00} dollar balance and then changing it back to the old balance. They corrected the balance last week. They also changed the balance to {$4100.00} which is not accurate. I reached out to XXXX XXXX  and they provided me with a {$0.00} balance letter to give to the credit reporting agencies. 

Transunion is also reporting the wrong information for XXXX XXXX. My balance with XXXX XXXX  is {$3700.00} and my credit limit is {$8000.00}. Transunion is reporting that my credit limit is {$5000.00} when it is {$8000.00}. 

So, XXXXXXXX XXXX  nor XXXX XXXX is not the problem. I have never had a problem with them. It is the tactics of Transunion switching the balance every other day which is the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Navient by letter because late payments are on my credit report when my loans were in forbearance.XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/2017 no response.called them by phone they stated they received info but takes up to 90 days. Waited till XX/XX/XXXX contacted again stated they didn't have my information. Sent letters again XX/XX/XXXX. XX/XX/XXXX still nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  {$700.00} million data breach settlement : XXXX Secret Credit Bureau May Be Violating Consumer 's Rights
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The TransUnion credit bureau is required to authenticate these item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and delete it immediately in my report : XXXX XXXX XXXXXXXX Date Opened : XX/XX/2014 Balance : {$0.00}
Product: Debt collection

Time barred on my debt is now 5 years and I have made several attempts requesting it now be removed from my credit report. The creditor re-started the date to XXXX after my request for removal from my credit report since the statue of limitations has ran out on collecting or suing me. Every attempt I have made is being said valid and it stands and I don't understand how when the debt occur XX/XX/XXXX but on my credit reflects XXXX as it recent and that is untrue. I just want it removed and I'm tired of going back and fourth with the collection company. Can you please help? they are XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, OH XXXX XXXX Social Security Number : XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX GA XXXX Subject : Request for Removal of Unauthorized Identity Theft Hard Inquiries Dear Equifax XXXX I am writing to formally request the removal of unauthorized hard inquiries from my credit report. Upon recent review, I discovered several inquiries that I did not authorize, and these are negatively impacting my credit score. 

The unauthorized identity theft inquiries are as follows : XXXX XXXX XXXX - XX/XX/XXXX ( Equifax ) XXXX XXXX- XX/XX/XXXX ( Equifax XXXX XXXX & XXXX - XX/XX/XXXX ( Equifax XXXX XXXX - XX/XX/XXXX ( Equifax ) XXXX XXXX XXXX - XX/XX/XXXX ( Equifax ) XXXX - XX/XX/XXXX ( Equifax ) XXXX XXXX - XX/XX/XXXX ( Equifax ) XXXX - XX/XX/XXXX ( Equifax ) XXXX - XX/XX/XXXX ( Equifax ) XXXX XXXX XX/XX/XXXX ( Equifax ) Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I believe is inaccurate. Since I did not authorize these inquiries, I am requesting their immediate removal. To assist with verification, I have enclosed copies of my ID, a recent utility bill, and my credit report with the unauthorized inquiries highlighted. 

Additionally, I have submitted an FTC report to the Consumer Financial Protection Bureau ( CFPB ) regarding this matter. 

Please investigate these inquiries and remove them from my credit report as soon as possible. I would appreciate confirmation once the removal is completed or any further steps I may need to take to resolve this issue. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account number : XXXX In accordance with the Fair Credit Reporting Act. The List of accounts below XXXX XXXX XXXX  Account number : XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 section 602 A states i have right to my privacy. 

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. 


In accordance with the Fair Credit Reporting Act. The List of accounts below XXXX XXXX Account # XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 section 602 A states i have right to my privacy. 

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. 



In accordance with the Fair Credit Reporting Act. The List of accounts below XXXX  XXXX XXXX Account # XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 section 602 A states i have right to my privacy. 

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.