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

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 

XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX. I have noticed an incorrect and unauthorized item appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately
Product: Mortgage

I signed and got approved for a mortgage agreement with XXXXXXXX XXXX in XX/XX/XXXX. I received a letter from XXXX XXXX on XXXX XXXX stating that my loan was sold to them and will be serviced by Rushmore Loan Management Services LLC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
The loan payments include payments to an Escrow account for XXXX insurance which I obtain from XXXX XXXX XXXX Co. 
The insurance policy period was from XX/XX/XXXX to XX/XX/XXXX. 
The premium was paid in full as part of my closing costs. 
On XX/XX/XXXX, I received a notice of cancellation from XXXX XXXX XXXX. I spoke to a XXXX XXXX agent about this notice. The agent told me they did not receive payment from Rushmore Loans ( from Escrow account ) which was due on XXXX XXXX and that the policy will be cancelled on XX/XX/XXXX if no payment is received. 
On XXXX XXXX, I called Rushmore customer service. ( which are horrible ) several times On XX/XX/XXXX, they connected me with their insurance department, gave them my loan #. 
They could not find the loan, transferred me back to customer service. 
On XX/XX/XXXX the representative told me they are transitioning loans to Rushmore Servicing and this could be the problem and not to worry, the premium will be paid. Called back on XX/XX/XXXX, same promise to pay. 
I called XXXX XXXX XX/XX/XXXX. No payment received. 
Called Rushmore on XX/XX/XXXX, spoke to XXXX, supervisor. First he told me insurance will give lead time. I told him that the lead time has expired and my insurance will be cancelled. He said don worry we will pay the premium. 
Called XXXX XXXX back, no payment received. 
The XXXX XXXX agent suggested I pay out of pocket to keep the policy in place and they will reimburse me when they receive payment from Rushmore. 
I then reached out to XXXX XXXX XXXX and spoke to XXXX XXXX who told me she contacted Rushmore and they told her they will not pay premium because I already paid out of pocket. 
Next I receive a letter from Rushmore on XX/XX/XXXX stating that I requested to remove insurance from my Escrow account and will now be responsible for payment of insurance. I never requested this. 
They did refund me the Escrow balance on XX/XX/XXXX. 
I have had dealings with many mortgage companies over the years and never have I witnessed such incompetence. This company is awful. They can not even manage a simple Escrow account.The company 's complaint resolution process is inadequate and ineffective. 
Also, when calling customer service, they put on hold for XXXX minutes and then hang up.
Product: Credit reporting or other personal consumer reports

Equifax XXXX and XXXX are reporting unverifiable accounts on my consumer reports and I demand that they are deleted.
Product: Checking or savings account

i bank with chime and made a purchase that was a scam. i asked the company to refund me they said no. i requested a dispute with chime to refund me my money as i didn't receive the item, its been since may when i ordered. and sent all proof of contact and all messages and purchase dates and reciept of amount.. i haven't gotten a denial as of yet but the company i made the purchase from, emailed me and said the money i paid them was removed from their account 2 weeks ago from chime. I figured that meant the money would be back in my account and it hasn't. when i call i still get no response. i need help to get my money back as that was for my kid. chime has the money, just wont give it to me when i worked my XXXX off for that.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I have initiated multiple disputes with XXXX for incorrectly reported late payments on the XXXX Account # XXXX. They have failed to fully validated that the account was late during the months being reported on my EXPERIAN, XXXX XXXX & XXXX  credit reports. ECPERIAN, XXXX XXXX & XXXX   should not be reporting incorrect information per the Fair Credit Reporting Act and must remove / delete the following reported late payments below. I have provided all requested documents to XXXX, EXPERIAN, XXXX XXXX & XXXX to get this issue resolved in which they requested. They have also failed to provided me with requested information in which I have asked to Prove I was late in any of the months provided within the 30-day time frame. The XXXX account being reported is currently in good status/standing but is showing as a negative account being reported on my credit report. On each of my credit reports they are different late payment months being reported and does not line up with each other which shows inaccuracy. This ERROR has severely affected my chances to gain professional employment, increase credit & apply for a home for me and my family. Below are the reported late months that should be Removed/Deleted from my personal credit reports : EXPERIAN Reported Late Payments : 1 ) XX/XX/XXXX 2 )XX/XX/XXXX 3 ) XX/XX/XXXX 4 ) XX/XX/XXXX XXXX XXXX Reported Late Payments : 1 ) XX/XX/XXXX 2 ) XX/XX/XXXX 3 ) XX/XX/XXXX 4 ) XX/XX/XXXX, 5 ) XX/XX/XXXX XXXX Reported Late Payments : 1 ) XX/XX/XXXX 2 ) XX/XX/XXXX 3 ) XX/XX/XXXX 4 ) XX/XX/XXXX, 5 ) XX/XX/XXXX Should you need any additional information please let me know. Thank you for your assistance in resolving this matter. 

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

I am writing to address an issue regarding inaccurate personal information associated with my credit profile. I recently obtained a copy of my credit report and discovered that an incorrect address and name is listed on my credit file. I insist that you remove all names from your system that do not match XXXX XXXX XXXX, I do not have another name or alias. I want to clarify that I have never resided at the address mentioned, and I believe this information is erroneous and needs to be rectified promptly. You reported several wrong personal identifiers in the file, which may jeopardize my identity if they are not changed immediately! 
The inaccurate address is as follows : XXXX XXXX XXXX XXXX XXXX, MO XXXX The Incorrect Names : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've come across an issue in my consumer report regarding my credit account with XXXX XXXX XXXX XXXX ( Account XXXX : XXXX ). An unexpected 30-day late payment entry has surfaced, necessitating immediate attention.

I kindly ask for a thorough investigation into this matter, along with the provision of documented evidence, such as statements, validating the legitimacy of the reported 30-day late payment. I'm eager to understand the basis for this entry and trust your agency can provide clarification.

If, upon investigation, the accuracy of the 30-day late payment entry can not be verified, I insist on a swift update of the record to accurately reflect the status as paid on time. My consistent payment history underscores my commitment to financial responsibility, making this sudden deviation perplexing.

Your prompt attention and cooperation in efficiently resolving this matter are sincerely appreciated. The credibility of credit information depends on accurate reporting, and I am confident that your agency will address this with the necessary diligence.
Product: Credit reporting or other personal consumer reports

This is my several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or signed any agreement and contract. The items I'm complaining have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following listed items below : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

Cease and Desist letter specifically referencing the Consumer Financial Protection Bureau ( CFPB ), XXXX, and 15 U.S.C. 1682cc, which mandates the correction of inaccurate information on consumer credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ill XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Tx XXXX Subject : Cease and Desist Demand Violation of 15 U.S.C. 1682cc and CFPB Oversight Dear Sir/Madam, I am writing to formally demand that XXXX immediately cease and desist from continuing to report inaccurate, outdated, or otherwise erroneous information on my credit report. Despite prior communications and efforts to resolve this issue, XXXX has failed to correct or remove inaccurate information in violation of my legal rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1682cc.

As outlined in 15 U.S.C. 1682cc, credit reporting agencies are required to promptly investigate and correct inaccurate or incomplete information. Your failure to comply with this requirement has harmed my creditworthiness and is a direct violation of my rights. Additionally, I am aware that the Consumer Financial Protection Bureau ( CFPB ) enforces these provisions and has taken action in the past against credit reporting agencies for non-compliance. 

Therefore, I am demanding the following actions:1. Immediate removal of the inaccurate information from my credit report.

2. Written confirmation that the inaccurate information has been corrected and my credit report is now fully accurate.

3. Cease all reporting of inaccurate information to third parties, including lenders, financial institutions, and any other relevant entities.

4. A formal acknowledgment that any further violations of the Fair Credit Reporting Act ( FCRA ) could result in a formal complaint to the CFPB and potential legal action, including the possibility of seeking damages for the harm caused Please be advised that this letter serves as a formal demand for you to cease and desist all actions that violate my rights under 15 U.S.C. 1682cc. If this matter is not resolved within XXXX  days from the date of this letter, I will have no choice but to file a formal complaint with the CFPB and pursue all available legal remedies against XXXX, including potential litigation. 

Failure to comply with my request and failure to adhere to the requirements set forth by the FCRA may also result in the initiation of legal proceedings for damages, attorney fees, and any other remedies available under the law. 
I expect prompt action to rectify this issue. If you have any questions, please contact me at ( XXXX ) XXXX XXXX Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After looking at all of my credit reports i noticed accounts that i didnt recognize, i have had my information compromised a while back and i think some information has been falsely used. Please remove the following account and account number from my report. 

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

On XX/XX/XXXX I submitted documentation ( FTC Identity Theft Report, Police Report, and Statement with clear identifiers ) that stated that XXXX XXXX XXXX account opened on XX/XX/XXXX with account number XXXX was opened by someone else that was not me due to Identity Theft. Transunion, XXXX, and XXXX refuses to remove the account despite clear evidence booked by the XXXX XXXX Police Department stating that the account was opened due to Identity Theft. XXXX already removed the account from my report due to Identity theft. Transunion & XXXX did not provide me with proof that the account was opened by me or any information as to why they will not remove the account. 

On XX/XX/XXXX, I submitted additional information to support my claim of identity theft ; including a signed document from the In-patient ( meaning I as a patient was not allowed to leave ) during the time that the car loan was opened in my name. There is no viable way that I could have purchased/ taken out a car loan since I was enrolled in this inpatient clinic at the time. 

XXXX still refused to remove the account and gave me no new reason why- I am attaching completion letter from facility stating that I was in their care during that time, also the police report, and carmax affidavit again.
Product: Student loan

I was contacted a couple months ago by XXXX at Student Debt USA. She wanted to take over my student loan debt and provide a way for my loan to be forgiven after so many years of paying on the debt, All I had to do is pay Student Debt USA {$1000.00} in ten monthly payments, then several years at {$35.00} per month for the period of time required to have the loan forgiven. Like a fool I agreed to accept Student Debt 's assistance. I have since paid them {$200.00} total.

I called my student loan holder, XXXX ( XXXX XXXX XXXX XXXX ) when I didn't receive any paperwork from Student Debt USA and was told that they ( SDU ) were taking money for a free service that I had been enrolled in through XXXX for years. 

I was advised to make a complaint against Student Debt USA with several government agencies which included this bureau.
Product: Debt collection

I started receiving calls from East Point Group in XXXX, NY on XXXX/2017.  They claim that I owe money on a credit card that was already settled with the company that issued the card. When I did not agree with their claim that I owed on the card, they called my old roommate and my husband and told them that I had 19 outstanding delinquencies, that I was a liar, and specifically told them that I owed money on a credit union  issued credit card. This company called my old roommate, my husband, and myself several times yesterday and again this morning. This company is harassing me and my family in addition to lying about debts I owe. I have attached the receipts showing I paid off this debt to this complaint.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had two late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a resbonsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/24 Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuses to remove an address and a collections account that are fraudulent for over 30 days. A XXXX, AZ address appeared on my credit report as a result of identity theft, and I have submitted disputes 5 different times, but the address still appears in my account! Additionally, a collections account from XXXX XXXX XXXX has already been resolved and closed due to identity theft fraud, yet Equifax ignores any request to remove it from my report. All representatives are unhelpful and say these accounts are removed, but I STILL SEE THEM IN THE EQUIFAX PORTAL AS UNRESOLVED. Equifax is intentionally ignoring proof of identity theft and intentionally leaving fraudulent information on my credit report, ruining my credit score and access to credit due to a fraudulent account from over 6 months ago that has already been proven as identity theft.
Product: Mortgage

The property sold in early XXXX so we no longer had possession of property we went to get a loan 4 months ago and they ran my credit and said we have a 90day late payment from wellsfargo in XXXX I called and they said they would take care of it we talked to a lender yesterday XX/XX/XXXX and he said he pulled credit and it now shows two 90 day late payments one from XXXX and one on XX/XX/XXXX so it is crashing my credit i called and they say they will fix it but there now is two instead of one and its stopping me from buying a house. It is reflecting on my credit bad.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX Account Number XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, Please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights XXXX XXXX account # XXXX XXXXXXXX XXXX account # XXXX XXXX XXXX XXXX ( amount {$2800.00} ) XXXX XXXX XXXX account # XXXX XXXX XXXXXXXX 15 U.S.C 1681 Section 602 A states that I have the right to privacy 15 U.S.C Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions
Product: Debt collection

I subscribed to XXXX XXXX XXXX XXXX, with free Internet Service, for a period of at least 12 years and had made monthly payments and was current on those payments until XX/XX/XXXX. In XX/XX/XXXX, I canceled that service by XXXX phone calls to XXXX XXXX agents and a personal visit to a XXXX store in XXXX, Colorado. I never received a written or email confirmation of cancellation, although I asked for XXXX on each occasion. I was specifically told that an " installation representative '' would make an appointment at my home to disconnect the existing modem ; and no followup ensued. I made arrangements to begin new phone, XXXX XXXX, and internet service with XXXX XXXX in XX/XX/XXXX and made an additional call to XXXX. Another XXXX representative stated that she could find no record of previous cancellation, although I again gave her the specifics. I did the same again in XX/XX/XXXX, when I continued to receive unauthorized bills from XXXX. At a later date in XXXX, I was told by yet another representative that I needed to return the modem to a XXXX retail location, which I did on XXXX occasions. I returned to the same store in XXXX. On the XXXX occasion, I was told that there was " no record '' of my cancellation of service after a one hour wait. On the XXXX a counter representative simply took the modem, entered my name and phone number, and stated : " That 's it. '' I requested a print-out or electronic copy of my complete account, including all service and customer representative notes, and was told that the counter individual was not authorized to provide those documents. 

On XX/XX/XXXX, I received a notice of Negative Information from XXXX consumer information. I immediately accessed the site and found that XXXX had posted negative credit information about my consumer account, had authorized the matter to be referred to " collection, '' and had authorized Diversified Consultants, XXXX XXXX XXXX XXXX XXXX, XXXX, Florida XXXX to file deliberately false and misleading information concerning this account to be filed with XXXX and other credit agencies, specifically that a claim for {$230.00} from XXXX was due and owing. This false information was communicated to a third person, was communicated without regard for the truth or falsity of the information, and was done recklessly and intentionally in order to cause me financial and personal damages and damage to my credit reputation. I intend to sue XXXX, its individual agents, and Diversified Consultants, all of whom have transacted business in the State of Colorado. Claims will be raised in a court of competent jurisdiction under the relevant Colorado Consumer Protection Act statutes and will also include claims for breach of contract and tortious conduct including defamation and fraud. These claims carry with them an entitlement to actual compensatory damages, future damages, and a right to attorneys ' fees and injunctive relief, and will request that any arbitration clauses be stricken. I specifically reserve all rights available under Colorado law. 

Thank you for your assistance.
Product: Checking or savings account

My bank BBVA was recently bought out by PNC bank. I could not gain access to my money in the PNC system as I don't live near a branch and was not sent a debit card or account information in the mail. 

-I called PNC bank to cancel the account and was told that I had to remove my money from my account first. 

-They sent me my money in cashiers checks. 

- I then called PNC bank, spoke to a human who told me the account would be closed. 

- I was then notified that my accound had not ben closed and had been overdrawn. 

- I called them back, payed the ammount I owed and told them a second time to close my account. It has still not been closed. 

I Just called them again and the same problem persists. They transfer you from agent to agent, I've spent hours on the phone and cant close my account. Its criminal.