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

All my XXXX accounts were compromised and I had XXXX close them due to the excessive Fraud that was always occurred. 

These accounts should not even be on my credit profile. Even XXXX sent a letter indicating the accounts will be removed off my report and they would inform the Credit Bureaus to remove all the XXXX accounts. 

I have contacted an attorney since the credit bureaus have yet to remove these accounts and I've show a lot of proof those XXXX accounts should not be reporting to my account. 


There are letters from XXXX even showing they denied the accounts due to identity issues with those accounts.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have been and currently a XXXX customer. They have informed me that I do not owe the XXXX dollars that is on my credit report. I want it taken off my credit report unless someone can provide the necessary papers to show I owe this.
Product: Credit reporting or other personal consumer reports

XXXX and Transunion are reporting balances and active status for discharged student loans with a XXXX balance. XXXX is the only correct credit bureau. 

Contacted : XX/XX/23 Amount : {$160000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. My phone number is XXXX. I had a fraudulent application put in my name without my permission, and last month when I contacted the fraud department back, they told me my fraud claim was rejected, saying my fraud report was not fraud, but it was a fraud. I want the account balance to be cleared to {$0.00}, and I like the account to be disputed off my credit reports.
Product: Student loan

I am a full class member of XXXX XXXX XXXXXXXX exhibit C. My federal loans were discharged due to school misconduct. I called Navient requesting information regarding which loans with them were eligible for discharge and refund. I was told they were unable to help me but none were refundable. I also recently emailed requesting how to obtain an application for school misconduct discharge and was told that I am not eligible because the loans are refinance loans and are not direct to school loans.
Product: Credit card

This is my third submission in regard to Capital One bank. I have asked to receive a lower APR on my credit card because it is XXXX to 21.00 %. I spoke with XXXX XXXX the second time about lowering my APR. She told me that she could not lower my APR at this time because I had a returned payment from my bank. I explained to her that my percentage of paying my credit card is 91 % and sometimes I pay XXXX a month because of how high the balance is. I explained to her that I did not apply for a capital one credit card and that it is unfair for Capital One to keep the APR from XXXX from which the account was sold. XXXX XXXX said that this does not matter. She then keeps sending me this letter my personal protection account as if they are going to pay my bill for me. I told her that I do not have a problem with the personal protection account but that is not the only element that is making the payments ridiculously high and the APR!! She continues to send the personal protection letter as if they are an option for me to help pay my bill. I am not unemployed nor do I fit the criteria to receive this benefit. I am able to work and wish that she would stop sending me this letter to try to commit fraudelent claims to Personal Account Protection!!! I can pay my bill I just would like the APR lowered to a reasonable percentage.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

JP Morgan Chase Bank, Chase Home Finance LLC and XXXX XXXX XXXX, XXXX. ( Attorney for Creditor ) Filed False Claims XXXX XXXX XXXX. XXXX ( XXXX ) in the United States XXXX XXXX XXXX XXXX XXXX Illinois XXXX and the XXXX Court for the XXXX XXXX XXXX XXXX XXXX - XXXX, Illinois. In the United States XXXX XXXX XXXX XXXX of Illinois XXXX XXXX XXXX and XXXX, XXXX. attorney, XXXX XXXX XXXX, XXXX # XXXX, mailed a notice of a Motion to Modify the Automatic Stay on XXXX XXXX, XXXX, and XXXX and XXXX, XXXX. attorney, XXXX XXXX XXXX, XXXX # XXXX obtained an Order Modifying Stay on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, XXXX and XXXX, XXXX. attorney, XXXX XXXX, XXXX # XXXX, filed a sale pursuant to Judgement of Foreclosure in the XXXX XXXX for the XXXX XXXX XXXX XXXX XXXX - XXXX, Illinois on XXXX XXXX, XXXX. 

While under Chapter XXXX Bankruptcy Protection, Chase Home Finance , LLC and its successors and assigns and XXXX made false claims that they were the " Creditor '' servicing the first mortgage lien and obtained an " Order Modifying Stay '' on XXXX XXXX, XXXX by XXXX attorney, XXXX XXXX XXXX, XXXX # XXXX. 
JPMorgan Chase & Co., JPMorgan Chase Bank , N.A . letter dated XXXX XXXX, XXXX stated that XXXX XXXX XXXX was the Servicer at the time JPMorgan Chase Bank, N.A, and Chase Home Finance , LLC and XXXX made the false claim. 
After JPMorgan Chase Bank, N.A, and Chase Home Finance , LLC and XXXX made the false claim in the United States XXXX Illinois XXXX, XXXX and XXXX, XXXX. attorney, XXXX XXXX, XXXX # XXXX, proceeded to file a sale pursuant to Judgement of Foreclosure on XXXX XXXX, XXXX in the XXXX Court for the XXXX XXXX XXXX XXXX XXXX - XXXX, Illinois with a sale or auction by the XXXX XXXX XXXX on XXXX XXXX, XXXX at XXXX XXXX. 

JPMorgan Chase Bank, N.A, and Chase Home Finance , LLC and XXXX claim in the United States XXXX XXXX XXXX XXXX XXXX Illinois XXXX was factually untrue at the time the claim was made. 

XXXX. False Claims -- XXXX XXXX XXXX XXXX XXXX ) Subsection ( XXXX ) of Section XXXX sets out the offense of filing a false bankruptcy claim. A " claim '' is a document filed in a bankruptcy proceeding by a creditor of the debtor. It is sometimes also called a " proof of claim. '' For the purposes of this section the nature of the claim is immaterial -- i.e., the claim can be secured or unsecured, liquidated or unliquidated, disputed or undisputed. A " false '' claim is XXXX that is known by the creditor to be factually untrue at the time the claim is filed. 

Subsection ( XXXX ) provides : A person who ... knowingly and fraudulently presents any false claim for proof against the estate of a debtor, or uses any such claim in any case under title XXXX, in a personal capacity or as or through an agent, proxy, or attorney ; ... shall be fined ..., imprisoned ..., or both.
Product: Vehicle loan or lease

I cancelled my extended warranty directly from the company ( XXXX ) on XX/XX/2021. The extended warranty company informed the dealership where I purchased the vehicle and the warranty on XX/XX/2021. The next step is for the dealership to send the refund check to Mazda Financial where I am currently paying for the car and the extended warranty. It has been more than 60 days with no response from the dealership and Mazda Financial is unable to help as well. Essentially I am paying for a product that already has been refunded back on XX/XX/2021.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report I saw hard inquiries that are not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SENT LETTERS AND CALLED XXXX, XXXX AND EQUIFAX TO REMOVE ALL ADDRESSES IT HAS BEEN OVER 60 DAYS AND THEY JUST KEEP SENDING ME CREDIT REPORTS. I NEED THEM TO REMOVE THE OLD ADDRESSES.
Product: Vehicle loan or lease

One Main XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Ca XXXX XXXX has made out a loan to me that seems to be fraudulent. I was not able to qualify for loan, but was made to use two vehicles as some kind of security. I now dont see them on my credit report and feel like I have been tricked into something very very wrong.
Product: Debt collection

The original creditor was   XXXX   XXXX   XXXX   XXXX  . The original debt problem was in  XXXX . I lost my job and was n't able to find another job. I was unable to pay off the debt.   XXXX   XXXX   XXXX   XXXX   assigned a debt collector,  United Recovery Systems.  I negotiated a settlement and on  XXXX / XXXX / XXXX  the debt was paid off  to United Recovery Systems. I h ave the original letter of proof from them stating the debt is paid. Just after that date,   XXXX   XXXX   XXXX   XXXX   hire d 2 other  debt  collectors,    XXXX   XXXX   XXXX   XXXX  and  XXXX   XXXX   XXXX  to try to collect the debt again. I had to send them a copy of the pay off letter and they were satisfied.   XXXX   XXXX   XXXX   XXXX   then hir ed United Recovery Systems AGAIN t o collect the debt. This was on  XXXX / XXXX / XXXX .  United Recovery Systems s aid they did not show a record of the pay off. I had to send a copy of the letter FROM  United Recovery Systems, TO United Recovery Systems to pro ve I paid it off. If I would n't have had a copy of it, they would have said it was never paid. Then on  XXXX / XXXX / XXXX    XXXX   XXXX   XXXX   XXXX   hired  XXXX   XXXX   XXXX  - same process. On  XXXX / XXXX / XXXX  I received another letter from another collection agency,  XXXX   XXXX   XXXX  again saying I still owed the debt - same process. Then on  XXXX / XXXX / XXXX  I got a letter AGAIN fro m United Recovery Systems ( now  know n as Alltran Financial LP ) s aying I still owe the debt - I went thru the process again. Now I just got a letter AGAIN from  United Recovery Systems/Alltran Financial LP saying I STILL owe the debt. It 's even signed by the SAME person as last years letter!!
Product: Credit card or prepaid card

My American Express Card was used by someone else ( fraudulently ). It's reporting on my credit and it's hurting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX Balance : {$17000.00} XXXX XXXX  XXXX Balance : {$8300.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

While checking my credit report XX/XX/2022 I noticed a new XXXX. G C Services opened an collections account on XX/XX/2022. They listed it with the credit reporting agencies. As of XX/XX/2022 I have not received any communication from with company. I have not received any thing in the mail or by a phone call. 

On XX/XX/2022 at XXXX I contacted the G C Services via a phone call and spoke with a guy named XXXX XXXX He told me " we were hired by XXXX XXXX to collect money. '' He gave a phone number to contact XXXX XXXX 

XX/XX/2022 at XXXX XXXX I contacted XXXX XXXXk who told me " the account is closed and that the bill is not in my name. That I was on the account as a user. That they don't have my social security number to collect money. '' XX/XX/2022 at XXXX I called G C Services and spoke with a female who " Sir I can't talk to you about this account, The account is not in your name ''.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCK AND REMOVE I strongly urge you to promptly address this error and clear me of any responsibility. It is vital that you conduct a thorough investigation into this matter and rectify the mistake swiftly. Your immediate attention to this matter is highly appreciated.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of [ specific student loans ] U.S Department of EdXXXX from my account with U.S Department of Education , citing the provisions of the Family Educational Rights and Privacy Act ( FERPA ).

As outlined in FERPA regulations, educational records, including student loan information, are protected and can not be disclosed without explicit authorization from student or their legal guardian. As the borrower. I assert my rights under FERPA to have these loans removed from my account.

Please find enclosed any supporting documentation, such as proof of enrollment or relevant records to support my request. 
I kindly request that you process this request promptly and provide written confirmation of the removal of the specified loans from my account. 
Thank you for your attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me.
Product: Credit reporting or other personal consumer reports

The list below are inquiries that I did not authorize made a dispute with XXXX, XXXX XXXX, and Experian have not received a response 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 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 Account Number:XXXX has violated my rights. Or a list of inquiries : 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 or other personal consumer reports

I have asked the CRAs to verify these accounts and they did not provide any documentation or proof. I have provided numerous police reports, proofs, and verification. They did not contact me nor did they verify it with me, the consumer. 

Whenever a consumer reporting agency prepares an investigative consumer report, no adverse information in the consumer report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inaccurate personal info and accounts on why credit report.
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 violates the consumer financial protection act ( cfpa ) specifically cash app failed to take timely and effective measures to prevent prevent and address fraud on there platform leaving my account vulnerable and unprotected.Furthermore their dispute and resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer act ( efta ) and regulations E. these actions have caused. Significance inconvenience. and financial loss. And I seek. Appropriate. Redress for this violation.
Product: Checking or savings account

Large banks ( including my own ) are withholding our American Recovery Act stimulus funds because the direct deposit was allegedly dated Wednesday. It doesn't matter if the funds are there, they are saying they won't be available until the XXXX of XXXX. This is outrageous. They are using our money for days to make a profit before handing it over to us.
Product: Mortgage

Starting in XXXX XXXX I ask for help with CITI BANK to do a modification our repayment plan, I had XXXX BANK Representatives each told me they could resolve My situation IN 90 DAYS, here it is a year latter XXXX XXXX no one seem to care I also had XXXX a housing Counselor Help me and the day today XXXX XXXX XXXX the day before an auction then they said to file a complaint with you, I had anything but a run around from everybody and now CITI BANK wants {$19000.00} for lawyer and bank fee when this loan should been resolve XX/XX/XXXX before it even got in to FORECLOSURE, I did not know it was in foreclosure till XXXX XXXX when I again ask for help when I got Layoff from my job, I Have a New Job and the BANK does not WANT to work with me or XXXX I have all paper work And e-mail I an tired of all the run around I have gone through to get know were, so I ask you for help to see if we can get this resolve, because you are my last resort HELP me as soon as YOU can because I did nothing wrong all I did was ask for help now I owe XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is reporting that I have late payments on accounts that were in deferment. I have tried calling and explaining, but no one listens to my complaints.
Product: Credit reporting or other personal consumer reports

I have notified your office multiple times about inaccurate accounts in pending litigation on my credit report, but I am still waiting for action.
Product: Debt or credit management

I was promised that if I pay a set amount each month, collection accounts would be removed from my consumer report. This was not the case. The collection accounts were only " hidden '' from the report as long as i kept paying. As soon as i cancelled my account, the collection accounts reappeared on my consumer report.
Product: Credit reporting or other personal consumer reports

I have previously sent disputes regarding this issue numerous times. This issue is really causing me to have significant emotional distress. Equifax Information Services LLC is failing to truly investigate and validate the information that's in my consumer report. It is illegal for the bureaus to report an active payment history when the alleged account is a charged off account. This inaccurate information falsely manipulates the statute of limitations. Their negligence has violated my rights. I AM DEMANDING A DELETION IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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: Mortgage

Select Portfolio Servicing provided an incorrect payoff amount in a refinance. Since XXXX, 2021, XXXX XXXX and myself have contacted SPS multiple times for resolution. XXXX has evidence of incorrect information being provided by SPS. At this point, SPS is charging me interest for the payoff amount, while the item was being disputed. They are unwilling to remove the interest charges and refused twice the payoff amount originally provided to the title company.