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

This will make my third time having to file a complaint on all three bureaus they report back to the CFPB that its being worked on and its not actually being worked on a follow up with phone calls I keep getting people from overseas dont understand English and then when I do get a hold of them then they take me through like Im not the one here being exiled for someone using my identity, So as I have spoken with a supervisor at all three credit bureaus Transunion , XXXX , XXXX and they all have ask that the FTC affidavit be attached with the email from the police report saying that it was approved as well as my drivers license and my social and proof of residence I have attach these items to this after sending it in for the third time I hope this is what youre looking for. Most of the items of The items have been removed America first closed account is on a police report it needs to be removed immediately as well as a XXXX XXXX for {$1100.00} that is to be removed immediately this is what was discussed it all three are documented in my account but this is all that they were waiting on to have these items removed blocked delete it thank you for your time. I have attached all of the items that were sent to each individual credit bureau three days ago will sign confirmation cards that they have been delivered.
Product: Mortgage

My mortgage loan servicing transferred to a company called Mr. Cooper. The autopay did not get re-established correctly, even though I thought I had done everything I needed to do online. I received no phone calls, no texts, no mail, and no email to alert me about the failure to re-establish my autopay, even though they had been supplied with my cellphone number and had been authorized to call it. When I complained, they reversed the late fees. Nonetheless, they still made a derogatory credit disclosure which has significantly reduced my credit score.
Product: Debt collection

The original creditor XXXX XXXX sold my account to Absolute Resolutions Investments who in turn turned my account over to a law firm to sue me called XXXX XXXX  XXXX. I have communicated with them to lower the debt or settle it but neither company can give me an accurate amount owed. The representative for both companies that I spoke with confirmed that there is a discrepancy in the amount owed and proceeded to tell me that they didn't know the correct amount. Keep in mind this conversation is on a recorded line for security purposes. They can't accurately verify the amount of the debt and I have had this account since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I the consumer pursuant to 15 USC 1602 XXXX XXXX XXXX sent XXXX XXXX XXXX XXXX a cease and desist letter pursuant to XXXX XXXX XXXX ( c ) ( c ). XXXX XXXX XXXX XXXX acknowledge the letter and responded on XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX this order and provided false and misleading representations to XXXX and Equifax pursuant to 15 USC 1692 ( e ). the organization shared fraudulent information stating that I allegedly owed a debt to this organization. pursuant to 18 USC 8, I owe no debt. this company is violating my right to privacy pursuant to 15 USC 1681b 2. this company has No permission to report ANYTHING using my information pursuant to 15 USC 1681 4.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


TransUnion Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Employer : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX XXXX XX/XX/XXXX XXXX Addresses : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Employer : XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I opened up a checking and savings account on XX/XX/23. I made a {$50.00} cash deposit in my checking and a {$50.00} cash deposit in my savings. On XX/XX/23 I received 2 checks for some work I did. I deposited a check for XXXX in my checking and one for XXXX in my savings. I also deposited cash in the amount of {$360.00} in to my checking. I didnt withdrawal any portion of the check in either account. Next morning I deposited {$780.00} into my checking account. Around XXXX on XX/XX/23 I get a phone call from Wells Fargo fraud department XXXX They say we are closing your account from your recent deposits. How is it that my accounts are being closed when I was responsible enough to wait for the check to clear.
Product: Student loan

Wanted details of what 's owed and if I 'm being correctly charged, I 've called numerous times to try to get this information with no success ...
Product: Debt or credit management

I uses Zella to purchase a puppy and I was told to use Zella but it wasnt going through but later my money was gone of {$900.00}. I call td bank stated nothing they could do cause the was taken out of my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XX/XX/XXXX and TransUnion on several occassions to inform them that my personal information is incorrect. They have not corrected it and they are reporting that I have a different name. I have informed them of my legal name and provided undisputable proof. 
They have not corrected the information that they are reporting on me. Nor have they provided any proof that I use another name. I am filing this complaint in hopes that the incorrect information can and will be immediately removed from my credit report.
Product: Bank account or service

I have attempted to set up an auto payment on my credit card through the bank of America at least XXXX times over the past two years. I finally set up a minimum payment auto pay for {$130.00} monthly for one year via phone payment center ; I set up alerts on my online account and was never notified that the minimum payment set up given to me was not the correct amount due ; I have been charged a late fee for several months and despite calling in my payments, I am still being charged late fees. I believe the web auto pay is set up to make if impossible to use, the phone system is apparently worse, I have been deceived about the amounts due for my minimum payment ; I have been restricted from using the on line billing auto payment and I believe this is all done to defraud consumers.
Product: Credit reporting or other personal consumer reports

My information was apparently sold and bought illegally because I was a victim of a EQUIFAX DATA BREACH. I am requesting to have these items DELETED from my credit reports effective immediately. I am attaching a letter displaying proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing to resolve the matter to date. Please help me delete these illegal and fraudulant accounts from my credit reports that are attached below in this message : VERIFIABLE EQUIFAX DATA BREACH CLAIM # XXXX EQUIFAX XXXX XXXX XXXX ACCOUNT # XXXX DATE OPENED : XX/XX/XXXX LAST REPORTED : XX/XX/XXXX DATE LAST ACTIVE : XX/XX/XXXXXXXX XXXX XXXX XXXX ACCOUNT # XXXX DATE OPENED : XX/XX/XXXX LATE REPORTED : XX/XX/XXXX -XXXX XXXX XXXX  ACCOUNT # XXXX DATE XXXX : XX/XX/XXXX LAST REPORTED : XX/XX/XXXXXXXX XXXXXXXX XXXX XXXX XXXX ) ACCOUNT # XXXX DATE OPENED : XX/XX/XXXX LAST REPORTED : XX/XX/XXXX -ORIGINAL CREDITOR : ) ACCOUNT # XXXX DATE OPENED : XX/XX/XXXX LAST REPORTED : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  ACCOUNT # XXXX DATE XXXX LAST XXXX : XX/XX/XXXX DATE LAST ACTIVE : XX/XX/XXXXXXXX XXXX XXXX XXXX  ACCOUNT # XXXX DATE OPENED : XX/XX/XXXX LAST REPORTED : XX/XX/XXXX XXXX LAST ACTIVE : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX  ) ACCOUNT # XXXX DATE OPENED : XX/XX/XXXX LAST REPORTED : XX/XX/XXXX DATE LAST ACTIVE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ) ACCOUNT # XXXX DATE OPENED : XX/XX/XXXX LAST REPORTED : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : The following personal information is incorrect Former : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with the Fair Credit Reporting Act, my rights have been violated by the accounts and companies stated above. 
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 an account without my written instructions.
Product: Checking or savings account

XX/XX/2022 - I received a call from an associate claiming to need verification of information in order for my accounts to remain active. I advised that had already been completed these steps. The associate was nonchalant with regards to continuing the call inspite of the threat to terminate my accounts, and without any confirmation of previous step completion. When asked why I was contacted and advised my accounts would be closed, I was told " that's the facts ''. I then asked to speak with a supervisor and was transferred to " XXXX '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

She then advised she could remove the flags, again without confirmation that the steps were completed, and no reasoning on repeated calls. When I requested to speak with someone in a higher position, she refused and said she couldn't transfer the call. I asked to speak directly with her supervisor and that request was met with lies and deceit. These actions make me question the integrity of the company, and the adherence to regulations in place. XXXX requires that a supervisor be available, or an option to leave information for a callback promptly.
Product: Debt collection

My privacy pertaining to your medical history has been unlawfully accessed.which I have proof of.i also have been continuously contacted after notifying I can not afford to pay.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 
Identify item ( s ) resulting from the identity theft that should be blocked and removed with no reinsertion, or I will file a lawsuit against the creditor, XXXX, Equifax and XXXX XXXX XXXX  XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Product: Credit card

I've consistently made timely payments on this account, ensuring they are never overdue. I'm unsure why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the last week of XX/XX/2020 I called a Ally Financial and spoke to a representative and ask here that i need to skip XXXX payment for reason that my mother in law was XXXX  with XXXX XXXX and needed a little time to make the payment. I do not remember her name but she said she would help me. So as soon as I was able to make both payments I did and as time went on I receive an email from XXXX  and it read that I received an negative mark on my credit report. I have tried multiple times calling Ally Financial to correct this mistake with no avail. All I asking for is Ally Financial to remove the negative remark on my credit report. 

Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft There has been a breach of my personal information as : Credit card accounts, multiple cell phone accounts, an installment loan, and credit inquiries have been placed on my credit reports and has ruined my reputation with certain businesses. 

XXXX is reporting information about two XXXX XXXX Accounts that simply not mine and are the result of identity theft. 

XXXX is reporting information about two XXXX XXXX Accounts that simply not mine and are the result of identity theft. 

Experian is reporting information about two XXXX XXXX Accounts that simply not mine and are the result of identity theft.
Product: Credit reporting, credit repair services, 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 1. Account Name : XXXX XXXX Account Number : XXXX 2. Account Name : XXXX XXXX XXXX  Account Number : XXXX 3. Account Name : XXXX Account Number : XXXX 4. Account Name : XXXX Account Number : XXXX 5. Account Name : XXXX Account Number : XXXX 6. Account Name : XXXX XXXX  XXXX Account Number : XXXX 7. Account Name : XXXX XXXX  Account Number : XXXX 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Do n't know who Credco, or XXXX XXXX is, nor have I authorized, or signed ANY application for ANY credit inquiry for CREDCO/, or XXXX XXXX on behalf of XXXX XXXX!!! I have been in receipt of credit inquiries for the dates of X/X/2017, X/XX/2017, and X/XX/2017 via credit alert coverage that I have through XXXX/XXXX. I have had my identity compromised, and have filed a Identity Theft report ( attached ) with my local police.
Product: Credit reporting or other personal consumer reports

These Accounts have violated my rights According to FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX THIS LETTER IS REGARDING THE ACCOUNT LISTED ABOVE, WHICH YOU CLAIM IS A COLLECTION THAT I HAVE WITH YOUR COMPANY. THIS IS A FORMAL NOTICE THAT YOUR CLAIMS ARE DISPUTED. 
I AM REQUESTING VALIDATION, MADE PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT. PLEASE NOTE THAT I AM REQUESTING " VALIDATION ", THAT IS COMPETENT EVIDENCE BEARING MY SIGNATURE, SHOWING THAT I HAVE ( OR EVER HAD ) SOME CONTRACTUAL OBLIGATIONS TO PAY YOU. 
PLEASE ALSO BE AWARE THAT ANY NEGATIVE MARK FOUND ON MY CREDIT REPORTS ( INCLUDING XXXX, XXXX, AND TRANSUNION ) FROM YOUR COMPANY OR ANY COMPANY THAT YOU REPRESENT, FOR A DEBT THAT I DONT OWE, IS A VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT FDCPA 807 [ 15 USC 1962e ] ; THEREFORE, IF YOU CAN NOT VALIDATE THE DEBT, YOU MUST REQUEST THAT ALL CREDIT REPORTING AGENCIES DELETE THE ENTRY.

PENDING THE OUTCOME OF MY INVESTIGATION OF EVIDENCE THAT YOU SUBMIT, YOU ARE INSTRUCTED TO TAKE NO ACTIONS THAT COULD BE DETRIMENTAL TO ANY OF MY CREDIT REPORTS. FAILURE TO RESPOND WITHIN 30 DAYS OF RECEIPT OF THIS WILL RESULT IN SMALL CLAIMS LEGAL ACTIONS AGAINST YOUR COMPANY AT MY LOCAL VENUE. I WILL BE SEEKING UP TO {$5000.00} IN DAMAGES FOR : 1 ) DEFAMATION 2 ) NEGLIGENT ENABLEMENT OF IDENTITY FRAUD XXXX ) VIOLATION OF THE FAIR CREDIT REPORTING ACT AND FAIR DEBT COLLECTION PRACTICES ACT. 
YOU WILL BE REQUIRED TO APPEAR IN A COURT VENUE LOCAL TO ME, SINCE YOU ARE CLEARLY DOING BUSINESS IN MY AREA. 

FOR THE PURPOSES OF Q5 USC 1692 et seq, THIS NOTICE HAS THE SAME EFFECT AS A DISPUTE TO THE VALIDTY OF THE ALLEGED DEBT AND A DISPUTE TO THE VALIDITY OF YOUR CLAIMS. 
Please Note : THIS notice is ab attempt to correct your records, and any information received from you will be collected as evidence should any furthermore ACTIONS be necessary. This is a request for information only and is not a statement, election, or waiver OF status.
Product: Debt collection

Documentation of loan payment was located Threating summons requests to non-associate addresses and other untimely Harassment including places of employment. Was told I would be suited that day if I did not give over my Debt Card or Bank Account Number while driving to work. These are in response to a loan collection in made in error : # XXXX [ XXXX XXXX, 2015 ] and Loan # XXXX [ XXXX/XXXX/2015 ]
Product: Credit card

Hello, I previously held the Citi/AAdvantage Platinum Select World Elite Mastercard , which I closed in XX/XX/XXXX due to unsatisfactory handling of my concerns. 

While I had the card, I purchased a XXXX laptop and several XXXX XXXX in XX/XX/XXXX and XXXX. The card offers an extended warranty in addition to the manufacturer 's warranty. 

In XX/XX/XXXX, I called Citi to file claims. After spending over 50 minutes on the call, the agent informed me they couldn't locate my account to open a claim and that a case would need to be opened for a specialist to review. Citi is yet to open a claim. 

Most recently, I contacted Citi Benefits on XX/XX/XXXX, in regards to filing the claim. I was told that no one was available to assist me, but someone would call me back on Monday, XX/XX/XXXX. I am yet to receive that call.
Product: Mortgage

XXXX sold my loan to XXXX two years ago XX/XX/XXXX after accepting me into short sale ; XXXX honored short sale but shortly after started displaying predatory lending practices. Offer on my house made XX/XX/XXXX for over asking price and to this day, still have n't closed. XXXX asked for same info every XXXX days ; claimed the XXXX inspection was n't done but in fact the inspector said he was asked to say he " lost '' information, etc. I believe they are trying to force a foreclosure. I would have never moved out back last year if they did n't say closing would be in XXXX days. I am still paying bills associated with that house ( not mortgage ) and I know under the program I would have qualified for moving expenses. I feel dubbed and am doing the right thing.
Product: Credit reporting or other personal consumer reports

I noticed wrong addresses and phone numbers on my credit report. I also noticed an account for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was opened in XX/XX/2023 in collections was opened under fraud.
Product: Debt collection

I looked on my credit report at XXXX  on XX/XX/XXXX, and seen a debt that I do not owe. I seen a debt from Credit Acceptance Corporation for XXXX dollars. This account, according to XXXX, was opened on XX/XX/XXXX. I do not have a car, nor do I know how to drive. I never had a driver 's license, and I have no knowledge of this account. I am a victim of identity theft. The FCRA requires all credit bureaus to remove accounts that have been opened as a result of identity theft. I would like for XXXX, XXXX and XXXX to remove this fraudulent account from all credit reports.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I just recently looked at my credit report. I recently reviewed my credit report and noticed an account that was not reporting accurately. Can you reinvestigate the accounts listed below : XXXX XXXX XXXX XXXX Reinvestigate the completeness of every piece of information and if its not accurate, please remove it from my credit report
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Creditor Failed to Respond to Credit Dispute Within 30 Days Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian / XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX Account # XXXX and Account # XXXX and Account # XXXX for failing to respond to my credit dispute within the legally mandated 30-day timeframe, as required by federal law. Despite submitting my dispute on XX/XX/XXXX they responded on XX/XX/XXXX, XX/XX/XXXXXXXX and Experian has failed to provide verification of the disputed account as outlined under the Fair Credit Reporting Act ( FCRA ). 
According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit reporting agencies are required to investigate disputes and communicate with the information provider within 30 days of receiving a dispute. Additionally, 15 U.S.C. 1681s-2 ( b ) mandates that creditors and furnishers of information must conduct a proper investigation and report the results to the credit reporting agency within the same timeframe. This failure to comply not only violates these statutory obligations but also jeopardizes my rights as a consumer to fair and accurate credit reporting.

Given the creditors non-compliance with federal law, the account in question must be promptly removed from my credit report. Failure to do so constitutes willful negligence, which exposes the creditor and any associated credit reporting agencies to potential legal action. Under 15 U.S.C. 1681n, I am entitled to statutory damages, punitive damages, attorney 's fees, and court costs if the violations are found to be willful.

I demand the immediate removal of this account from my credit report and written confirmation that this matter has been resolved within 10 business days of your receipt of this letter. Should this issue remain unresolved, I am fully prepared to escalate the matter by pursuing legal action and filing complaints with the Federal Trade Commission ( FTC ) and the Attorney Generals office.

I trust that the CFPB will address this issue promptly and enforce the legal obligations owed to me as a consumer. Please confirm receipt of this letter and provide a resolution to my complaint at the earliest possible opportunity.

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX