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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Experian Dispute Department XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Account Information Request for Verification Dear Experian, I am writing to formally dispute the accuracy and completeness of the following account information listed on my credit report. The details are as follows : Creditor Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Verify the following issues with this account for completeness and accuracy : -Balance -Entire payment history -Date of last activity -Date of last payment -High balance -Recent balance -Credit limit or original balance -Status -Actual Amount Paid I am requesting that you investigate and verify the accuracy and completeness of this account. If you are unable to verify the information and provide me proof of the information verified, according to the FCRA. I respectfully request that the account be Deleted from my credit file under the provisions of the Fair Credit Reporting Act ( FCRA ). 

Please provide me with the results of your investigation and an updated credit report reflecting any changes made to my file. If this account can not be verified, I expect it to be Deleted from my credit report promptly. 

If the account can not be verified in full compliance with the FCRA, I respectfully request that it be Deleted from my credit file immediately. 

Additionally, I request written confirmation of your findings and all actions taken as a result of this dispute within 30 days, as required by the FCRA. 

Please mail your response to my address listed above. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

XXXX XXXX of BB & T in XXXX XXXX, TN pulled my mother in laws credit report ten times back in XXXX of 2018, which ruined her credit report rating. He has since caused problems of rudeness. He told us the loan we applied for, of which he pulled her credit ten times, was denied however we never received a letter stating why. He refuses to answer our questions. I have been told to report on Regulation B.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like the removal of fraud alerts
Product: Credit reporting

Disputed the account with Equifax as they are reporting an account I have no knowledge of. They updated the account as " verified and belong to me ''. I sent a request that they provide verification of documents that were used to determine the account was verified and belonging to me, Equifax has responded : We verified that this item belongs to you. We have verified that this item has been reported correctly. If you have additional questions about this item please contact : XXXX IN XXXX Phone : XXXX. However, I have requested validation of the debt from the collection agency as well who has ignored me and has responded once or even placed the account in dispute. As of date the account is being reported monthly and has failed to be updated as being disputed or removed from my credit report.
Product: Debt collection

This company has reported an account to my credit report that is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need these accounts removed from my credit report there are two different collection agencies reporting on the same account XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are the same accounts. 

XXXX XXXX XXXX : XXXX XXXX These accounts have been paid in full but are still reporting to XXXX XXXX and Experian
Product: Credit reporting or other personal consumer reports

I am writing to you as the holder of credit card account number XXXXXXXX XXXX XXXX XXXX to report an issue negatively impacting my credit report that appears to be in violation of the provisions of 15 U.S. Code 1666b, as well as other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 

I have identified that the statements for my credit card have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score. 

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of reported late payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up complaint about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

Accounts investigated and closed as requested by me. A fraud alert was placed on my report. And the accounts were closed. The hard inquiries also have to be removed on both Experian and XXXX credit reports. 

Please remove inquires XXXX  XXXX NA Inquiry date XXXX XXXX, XXXX and XXXX XXXX NA Inquiry date XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted numerous disputes to XXXX  since XX/XX/2018 and 3 method of verification requests. 
To date I have not received any information they have complied. 
Keep sending investigation results : Dispute file # XXXX Verified as accurate : The disputed item was verified as accurate, Dispute file # XXXX disputed info updated and other info updated, Dispute file # XXXX verified as accurate and updated. 
I have asked them to comply with my method of validation requests and/or send me a copy of something factual XXXX XXXX has sent them to base their reporting on or delete this derogatory information XXXX XXXX is submitting to them. 
I have sent countless requests to XXXX XXXX for debt validation and they have continued to report since XX/XX/2018 negative un-validated monthly updates to all 3 credit bureaus. XXXX  and Experian state they are still investigating. XXXX needs to be driven completely out of business.
Product: Credit reporting or other personal consumer reports

I did not authorize the following lenders to view my credit report and it was done without my consent. 

I am requesting the following lenders to remove the inquires from my credit report within 5 business days. 

XXXX. XXXX XXXX XXXX XXXX. Chase Auto Financial XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX someone has my credit information. I am a Glaucoma patient and can not drive due to the numerous amount of eye surgeriea done to my eyes this year.

Please remove within 5 business days
Product: Credit reporting or other personal consumer reports

I have inquiries on my credit reports that were not made by me. On XX/XX/2024 I sent a letter along with a FTC affidavit regarding another account and the request for the removal of the inquiries not made by me. 

They were not removed. Now I have recently mailed out with a return receipt a FTC affidavit package requesting again the removal of the inquiries on my credit file.
Product: Debt collection

I am writing to complain about three collection accounts that appear on my credit report. The accounts are : Midland Credit Management : {$330.00}, original creditor XXXX XXXX XXXX  XXXX XXXX. 
XXXX XXXX XXXX : {$610.00}, original creditor XXXX XXXX  XXXX XXXX XXXX XXXXXXXX : {$1100.00}, original creditor XXXX XXXX I have never conducted any business with any of these debt collectors, nor have I signed any contract with them. I believe that they are illegally using my information without my consent. 

I first became aware of these collection accounts when I recently checked my credit report. I have never received any bills or correspondence from any of these debt XXXX, and I have never made any payments to them. 

I have done some research and I believe that it is illegal for a debt collector to report a debt to a credit reporting agency if the debtor has not been given proper notice of the debt. The Fair Debt Collection Practices Act ( FDCPA ) requires debt collectors to send a debt validation letter to the debtor within five days of first contacting them. This letter must include the name of the creditor, the amount of the debt, and the date the debt was first incurred. 

I have not received any debt validation letters from any of these debt collectors. Therefore, I believe that they are illegally reporting these debts to my credit report. 

I demand that you immediately remove these collection accounts from my credit report. I also demand that you send me debt validation letters for each of these accounts. If you do not comply with my demands, I will be forced to take further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ). 

Thank you for your time and attention to this matter. 

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

I recently reviewed my credit profile and noticed no credit score or credit profile reporting. I also see that you do not have my correct name and address reported on my credit report. 
I have noticed that there is no report showing for my account. I have attached a copy of my driver 's license and a recent billing statement for your reference to verify my correct information.
Product: Money transfer, virtual currency, or money service

Hello, Consumer Financial Protection Bureau, the current balance of my PayPal account is XXXX and I can not linked to the bank to withdraw balance. I have contacted the PayPal customer service representative many times and the problem has not been resolved. Please help me thank you
Product: Credit reporting or other personal consumer reports

Equifax will not allow lenders to access my credit report. In particular, they are returning a null response to XXXX XXXX XXXX XXXX which has caused me to be denied for a checking account and placed a limitation on my savings account. Equifax claims there is no hold on my report, but this has not resulted in them accurately reporting my information to XXXX. This is despite the fact that the information submitted in the application is accurate and up to date.
Product: Mortgage

Issue : MORTGAGE LATES XXXX 2014 showing on my credit report by Wells Fargo Bank. 
Story : XX/XX/2014 my marriage was formally Dissolved by XXXX Superior Court. Case number XXXX XXXX. The settlement agreement 'Division Of Community And Co-Owned Property Exhibit E ' gave asset consisting of Single Family Residence XXXX XXXX, CA XXXX to XXXX ( Former Spouse ). The wording reads " XXXX, CA XXXX and any debt or encumbrances thereon until its sold. If property sold, parties shall divide the net proceeds equally as stated in the body of this agreement ). '' RESOLUTION : Ensuring the ALL MORTGAGE LATES incurred after XX/XX/2014 be removed from my credit report by all XXXX credit reporting agencies. REFERENCE : Wells Fargo loan # XXXX XXXX trust deed, Wells Fargo loan XXXX Line of Credit, Wells Fargo loan XXXX.
Product: Checking or savings account

On XX/XX/ I Deposited a check to my bank ( BMO ) in the amount of {$2000.00} from my 401k savings from my job. The next day XXXX my way to the bank I received a call from BMO asking questions about my identity, I gave her all of the information that she asked, & told her I was on the way to the bank to get a money order to pay my rent. She told me that my account was locked to verify the check that I deposited from XXXX XXXX for my 401K account I asked why would you lock my account to verify a check, and that I have {$1500.00} in the account that has nothing to do with BMO verifying a check. I also stated that I have direct deposit from my XXXX XXXX sent to my account. On XXXX they allowed me to get a money order for the amount of {$730.00}, & gave me {$700.00} out of my account. I have been calling them about my money since then. I have been hung up on, not to mention that I have not been receiving any updates on the status on my account. They refuse to give me access to my banking app. I have been to the banks branch & was told that she could not give me any information on my account ( balance updates etc ) because my account was locked. Now I am receiving emails & phone calls on payment that I already made on XXXX to my auto finance company & my credit card company that the payment was returned for along that
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The XXXX Hospital asked me to participate in a study related to my XXXX XXXX. I agreed and submitted to an XXXX of my XXXX. The XXXX Hospital never sent me a report on the findings from the XXXX. I repeatedly called and was assured I would get a copy of the report but never did. I still dont know if my XXXX XXXX is stable or not. If it XXXX  Ill be dead in about 60 seconds. The XXXX Hospital was paid thousands of dollars by my medical insurance company for the XXXX. They want an additional {$300.00} from me despite never letting me know the results of the XXXX. I believe they are ripping me off and engaging in unfair medical business practices. Celentano, Stadtmauer & Walentowicz is the hospitals debt collector.
Product: Checking or savings account

On XX/XX/XXXX I mailed my complaint to Bank of oklahoma in reference to a checking account opened under my name without my knowledge or consent. I've been incarcerated since XX/XX/XXXX and that I am a victim of identity theft. Do date this Bank has failed to properly investigate my claim. And this account is still showing on my check system report.
Product: Checking or savings account

I tried to make a payment to your merchant yesterday, XX/XX/2024 it was declined. It didnt go through. Try it again contacting customer support from Cash App. They said they exhaust activity and then inform them. Theres no suspicious activity on there. I gave him the amount of the transaction. I told him thats not suspicious. That was mine. I tried to do that they gave me no other information that the suspicious activity will be back to 24-48 hours. didnt ask him about withdrawing my money from that account over to my external account they didnt even respond to that yesterday. They close my debit card without my authorization linked to that account so I have no access to that. Its taken off my account 24 my money to my external account, he said unfortunately you have to wait a lot of amount of information I can give to you if anything else can help you outside the situation.
Product: Debt collection

Midland Management admitted they hired XXXX and is responsible for their actions in violating the Fair Credit act and despicable behavior which is the reason for this complaint. Which they violate the Fair Credit Act on multiple occasions Also I was given a 1099c and can provide proof and XXXX XXXX record keeping and Midland lack of taken responsibility and not removing this from my credit reports will be reason for a law suit against Midland. I even took it one step further and spoke to a representative from XXXX XXXX to verify. Also the fact a judge dismissed the case and not XXXX who Midland Hired they took there shot and lost because I no longer live at XXXX XXXX is no longer my address since my divorce and since I was a victim of XXXX XXXX which is on record so any correspondence to that address on XXXX XXXX XXXX  and lawsuit filed XX/XX/XXXX XXXX  and this being on the docket for well over a year just shows this debt can not be collected on so I demand this collection be removed from all of my credit reports. Your serious actions and failure should no longer affect me, This account was placed with XXXX, XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX ). XXXX XXXX advised that an initial demand letter was mailed to you on XXXX XXXX XXXX, and suit was filed on XXXX XXXX XXXX  XXXX XXXX stated that they will no longer be pursuing suit and have requested a dismissal. Last Demand removal of this account from all credit reporting if this is not done I will be filing lawsuits against Midland and XXXX XXXX for your handling this debt from the start. Your both business practices are illegal. But hey continue down your path your just doing me a favor because I take action not just words
Product: Mortgage

I have been struggling to make payments for years since my mortgage kept going up. I later found out that the reason was because of my escrow for my Forced placed insurance. Today I was finalizing my new policy with another provider via a broker and I discovered that the forced place insurance that I was paying was for a coverage of $ XXXX. 

My modification was 6 years ago and the loan amount was XXXX I currently owe XXXX approximately. 

I called the lender and they kept telling me that what they showed. I dont understand if they now the loan amount and what is owed why they used different information to place insurance that was more expensive for a higher coverage than the actual risk. 

I think this should be adjusted and I should be credited for their mistake.
Product: Checking or savings account

After a long week of work I was thinking yes I got my check. However, XXXX XXXX the check and it was said it was fraudulent. It was not under my control.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash APP failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have accounts left that need to be removed or Block. Per FCRA XXXX XXXX you are required to remove any accounts listed on ID THEFT REPORT # XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX  XXXX XXXX XXXX
Product: Student loan

My loan was " sold '' to Navient who tried to collect on it, Navient then gave it to XXXX. XXXX said that if I made three on time payments of XXXX a month they would lower my interest rate from 10 % to .001 % so that I would actually start making headway on my loans. i made the payments but they never lowered my interest rate and they never updated my account to show current status or that my balance was decreasing. Navient stated that they never received conformation that I had made the payments and that they had a deal. When they researched the account the found that I was right and they said that i would be credited the interest back over time, so there was no real benefit to me. They also said that there was a new policy that no credit reports were going to be updated as of XXXX 2016 so all the payments I made were never going to be reflected, my credit report would always show that I was behind. Because this is reporting inaccurately I can not qualify for a house or loan consolidation of any type.
Product: Credit reporting or other personal consumer reports

Consumer Name ( XXXX XXXX ) XXXX Social Security Number : ( XXXX ) Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ) that you, the XXXX, XXXX XXXX Equifax XXXX reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists 7 Separate fraudulent accounts appearing on my consumer FICO report which i do not recognize as reported and which are the result of identity theft and traud. These fraudulent accounts consist of a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.