23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX  Credence resource management XXXX XXXX on report. XXXX, XXXX, XXXX collection reported fraud on credit report. I just got my first mortgage this hurting my credit please remove immediately. Next cease dissessed and lawsuit if not remove XXXX hours. XXXX XXXX XXXX loan reporting fraud. According to the the fair act credit reporting Act FCRA section 605B its illegal to report information on my credit report without my permission. Please remove item from my credit report. Thank you. XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Description of Issue : I am a victim of identity theft, and as a result, unauthorized access was gained to my wallet and/or XXXX, which led to my credit cards being stolen. During this time, I was unable to process timely payments on my XXXX XXXX XXXX account, as I was waiting for replacement cards and regaining access to my funds. Unfortunately, this led to a missed payment, which was subsequently reported on my credit report. 

After explaining the situation to XXXX XXXX XXXX, they refunded the late fee, acknowledging the unusual circumstances. However, the late payment still remains on my credit report, negatively impacting my credit score. This late payment is blocking my ability to refinance my mortgage into a better rate. I have no other late payments on any of my accounts, and this isolated incident is unfairly affecting my financial opportunities. 

I have filed an identity theft report with the Federal Trade Commission ( FTC ), and I have been a responsible customer with timely payments prior to this incident. Given that the late payment was caused by the breach and identity theft, and has been acknowledged by XXXX XXXX XXXX through the refund of the late fee, I am requesting that this late payment be removed from my credit report to ensure it accurately reflects my credit history and allows me to pursue better financial terms.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to Human XXXX debt bondage, which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Not sure if this was caused by me losing my wallet, or being a victim of the dark web and/ or the XXXX  data breach, however my identity has been compromised and the following accounts are unauthorized and unknown to me. Therefore, I'm demanding that these accounts be removed and blocked immediately from my credit files. 

1 ) XXXX XXXX {$210.00} 2 ) XXXX XXXXXXXX {$570.00} 3 ) XXXX XXXX XXXX {$5100.00} 4 ) XXXX XXXX  XXXX {$380.00} 5 ) XXXX XXXX  XXXX {$50.00} 6 ) XXXX XXXX XXXX {$1100.00} 7 ) XXXX XXXX XXXX  8 ) XXXX  XXXX XXXX  XXXX 9 )  XXXX XXXX XXXX  XXXX 10 ) XXXX  XXXX XXXX  11 ) XXXX XXXX XXXX  12 ) XXXX/ XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity Bank continues to incorrectly report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Comenity Bank continues to incorrectly report payment activity which provides an incorrect date these accounts are scheduled to be removed. The seven-year period starts with the date of first missed payment. However, on the above accounts Comenity Bank has failed, repeatedly, to report the first missed payment or correct same after I filed multiple disputes. 

Additionally, there are 2 addresses that appear on my credit report : XXXX XXXX XXXX, XXXX XXXX, CA and XXXX XXXX XXXX in XXXX, TX. These addresses belong to attorneys that Comenity Bank retained to pursue me for collection. These are not MY addresses and should not report as places where I have lived. I have also disputed this multiple times and each time it was confirmed as my address. 

I finally reached out to XXXX 's XXXX XXXX and they have removed their attorney 's information as my contact information. Yet, they still have refused to correct the reporting of the above-mentioned accounts.
Product: Credit reporting or other personal consumer reports

My report says that this error code is what prevents me from getting any kind of bank account Error code : XXXX XXXX XXXX XXXX XXXX XXXX XXXX is this please get it off my name
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix 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
Product: Checking or savings account

On XX/XX/2022, two amounts of XXXX $ and XXXX $ were withdrawn from my Well Fargo saving account for a person who as not registered in my XXXX contacts. That same day I filled a claim with the Wells Fargo Bank Claim # XXXX. Claim # XXXX. Also, I never made XXXX from my savings account. Additionally, the Bank never sent me any type of message to notify me about the transaction. 
I have been a victim of fraud and Today XX/XX/2022 the Bank tell me that they will not return my money.
Product: Checking or savings account

On XX/XX/ I tried to revive a XXXX deposit and since it wouldn't take I called the customer services for JP Morgan Chase Bank and was informed that my account was blocked for closure with restrictions and that I could never again have an account with Chase. 
I inquired as for the reason and none was given. 
I went to my local branch and they reinforced what I was told on the phone. 
I was able to retrieve the funds I had but my Social Security check was returned without any warning. 
I never got a letter, a call, a text, warning, nothing Only found it because a transaction did not go through.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several accounts that have appeared on my credit report, which I believe to be fraudulent. Below are the details of the accounts in question : XXXX XXXX Account Number XXXX XXXX Status XXXX Late payments reported to XXXX XXXX XXXX XXXX Account Number XXXX XXXX Status XXXX XXXX XXXX reported to XXXX Account Number XXXX XXXX Status XXXX XXXX reported to XXXX XXXX Experian.

XXXX XXXX Account Number XXXX XXXX Status XXXX XXXX reported to XXXX XXXX Experian.

XXXX XXXX Account Number XXXX XXXX Status XXXX XXXX reported to XXXX and

Experian. XXXX XXXX XXXXAccount Number XXXX XXXX Status XXXX XXXX reported to XXXX only.

I believe these accounts are fraudulent, as I have not authorized any transactions or agreements related to them. I request an investigation into these accounts and their immediate removal from my credit report. I have attached a copy of the FTC report as well as my ID etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I made a payment of {$150.00} to creditor XXXX XXXX, In. XXXX XXXX XXXX # XXXX XXXX TX XXXX www.XXXX. For an XXXX XXXX XXXX account. I paid the account in full and have a letter stating this account is settled. 

Six months later I got a letter from Receivables Performance Management stating I owe for the same XXXX XXXX XXXX account. I called to inquire and they advised me it would be taken removed, and it was XXXX XXXX XXXX that sold them the account again. As time passed I noticed Receivables Performance Management put a negative mark on my credit report for an account that was already resolved. I was confused because I provided proof of payment to Receivables Performance Management, and they advised me it would be removed. I called them again, and they advised me it would be removed from my reports in 30 days. I was given by XX/XX/2018. I checked my report after 40 days and it was still on my report. I called them back and they advised me it would be taken off in 60 days. Every time I call it's a different time frame. It still hasn't been taken off my report. When I filed with each credit bureau, each result came back with Receivable Performance confirming it was accurate information on my report. I asked for a copy of the phone call recordings, they advised me or security reasons they couldn't give me a copy. 

Receivables Performance management XXXX XXXX XXXX XXXX XXXX, WA XXXX.
Product: Credit reporting or other personal consumer reports

I am very concerned regarding the serious possibility that you have not followed the permissible purpose provisions of the federal FCRA. A credit collection account for XXXX XXXX XXXX XXXX was deleted from my credit report, between XXXX XXXX and XX/XX/year> and on XXXX XXXX was added back to my report. According to the FCRA Reinsertion law 1681 I & subsection 5 if any information is deleted from a consumers file pursuant to subparagraph ( A ) the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. Best Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

AMEX # XXXX is reporting lates that I should not have. I changed my payment date from the XXXX to the XXXX and this is an error on their part. I have had this account for 15 years and have not had a single delinquency until now, which is not my fault.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had a fraudulent account on my credit report. Please remove this fraudulent account from my credit report, it is hurting my ability to obtain credit and purchase a home for me and my family.
Product: Credit card

a bill showed up at my house one day stating that i had a {$4000.00} credit card in my name and that my social and info had been stolen to take out this credit card. numerous times i have been able to prove to capitol one that its not my card and they keep insisting i forgot that its mine because the phone number matched, or the social matched or that somebody made a payment. it is not mine, i will not be paying for someone.
Product: Credit reporting or other personal consumer reports

There is a fraudulent account on my credit that isn't mine
Product: Mortgage

There is a lien on my property from Discover Bank ( XXXX ) for a loan ( {$35000.00} ) which was paid off completely 15 years ago. However my Title Company says that Discover Bank XXXX Discover Home loans ) has a lien against the property. I have difficulty in selling this home because of this. At the time of the loan the house was in joint name but my wife has now passed away. I need this lien to be released immediately. I have called several numbers in Discover Bank and they have no record. They don't have an loan number either. They tell me that the loan was serviced by somebody and they told me to contact two other companies to obtain release and they both say that they don't have an outstanding loan on the property or in my name or SS #. However nobody is offering to release the lien. I am stuck because of the incompetence of the Discover Bank and its loan servicing companies. I am also losing money. Please help me with a solution. I am providing the name and address of the property to help the process. 
Property XXXX, XXXX XXXX XXXX MD XXXX My name XXXX XXXX XXXX ( AKA XXXX XXXX ) Wife XXXX XXXX XXXX ( deceased )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I sent a dispute letter to EQUIFAX via certified mail and return receipt notifying them that there was a fraudulent account reporting on my credit report and they were to remove it immediately as it was causing me and my reputation severe harm. This account is XXXX XXXX ending in XXXX.EQUIFAX did not comply. I then filed and sent EQUIFAX an FTC Identity Theft Report on this account and attached a copy of my ID, a copy of my social security card and a copy of a bill showing my address. Pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act, EQUIFAX had 4 business days to remove the fraudulent account from my consumer credit report. They complied this time. It was then REINSERTED and stated that EQUIFAX " verified the account was accurate ''. I then sent EQUIFAX a SECOND FTC Identity Theft report and aforementioned accompanying documents. EQUIFAX continues to report the fraudulent XXXX XXXX account ending in XXXX. In order for EQUIFAX to " verify an account is accurate '', they are to- BY LAW- send me an Affidavit of Verification signed and sworn under oath that the account is in fact accurate. They failed to do so. I have lawfully done everything I needed to exercise my federally protected consumer rights and EQUIFAX continues to violate my rights.
Product: Payday loan

I applied to have a loan from a company named Duvera Financial so I can paid for my Truck transmission repair for the amount of {$1500.00} in XX/XX/XXXX. I assume they told me 3 months without interest, but I undestood XXXX month without interest so I gave my XXXX XXXX XXXX account number and they withdrawn the monthly payments from XXXX to XXXX XXXX for the amount of {$280.00} each payment. So when I made the XXXX payment I found out that I was only XXXX month without interest not XXXX months so I asked for the amount to pay off the debt and they told me {$1000.00}. 
I asked my daughter to lend me a credit card to payoff and I did it on XXXX XXXX for the amount of {$1000.00}. 
Days later my daughter forgot about the payment and asked the bank for more info about this company, but they never retained/stooped the payment but they only asked more information to this company ( XXXX ). In this time ( XX/XX/XXXX ) XXXX XXXX deposited a temporary sum of {$1000.00} in my daughter 's account while they investigated the issue.That is the moment XXXX called me and said that now I owe them the sum of {$1300.00} to pay off the loan. So in XX/XX/XXXX I paid XXXX Financial the sum of {$1300.00} to stop any confusion and more interest charges. Also we asked XXXX XXXX to stop the investigation and we plead Duvera to return the over-payment they told us they needed more time and they promised they will return the money by the end of XXXX. In XXXX we claimed XXXX XXXX to proceed and return the over-payment of {$1000.00} since XXXX never responded to us. In XXXX XXXX XXXX finally returned the amount {$1000.00}. 
I received a call from XXXX now saying they are going to send to collection because I owe them the sum of {$29000.00} and if I do n't pay them they are going to proceed with the collection process.If I pay them the sum of {$290.00} they will send me a letter to cancel the debt.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Debt Collection Contact and Cease Communication Request under 15 U.S.C. 1692c To Whom It May Concern, I am writing to formally dispute the collection actions taken in connection with the alleged debt associated with Account Number XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Acct # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX Acct # XXXX Please remove item from my credit report immediately Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c, I am exercising my right to limit communication regarding this matter.

According to 15 U.S.C. 1692c, I have the right to request that debt collectors cease communication with me regarding this alleged debt. I hereby request that you immediately cease all communication with me, including but not limited to phone calls, written correspondence, and any other form of contact. Please note that failure to honor this request is a violation of federal law and will be documented for further action if necessary.

Additionally, I request that you provide verification of the alleged debt, including full details such as the original creditor 's information, the amount owed, and any supporting documentation verifying its accuracy. Until I receive appropriate verification, I will consider this debt to be unsubstantiated.

Thank you for your attention to this matter. I expect compliance with my request to cease communication, as well as a prompt response with the requested verification of the debt.

Sincerely,
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : XXXX, Account # - XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE-INVESTIGATION OF CHAPTER  XXXX  FILED IN   XXXX      XXXX   XXXX   DISTRICT COURT AND ANY ACCOUNTS ATTACHED TO THIS CHAPTER  XXXX . SOMEONE STOLE MY IDENTITY AND OPEN UP ACCOUNTS IN MY NAME AS WELL AS A CHAPTER   XXXX   BANKRUPTCY THAT WAS FILED ONLINE ( PRO-SE ) I DID BETTER INVESTIGATION THAN THE CREDIT BUREAUS AND FOUND OUT THIS CHAPTER  XXXX  ( FRAUD ) WAS FILED 1. ) ONLINE 2. PRO-SE ( NO ATTORNEY ) 3.   XXXX   XXXX   NEVADA ( I NEVER LIVED IN NEVADA ) 4. THESE ARE THE ACCOUNTS THAT WAS ATTACHED TO THE CHAPTER  XXXX  IN   XXXX   XXXX   DISTRICT COURT.
  XXXX   XXXX     XXXX   XXXX      XXXX   XXXX     XXXX   XXXX   I RESEARCHED EACH AND EVERY ACCOUNT BY CONTACTING THESE CREDITORERS ALL EVIDENCE AND INFORAMTION CAME BACK TO SEVERAL   XXXX   XXXX   NEVADA ADDRESS.
  XXXX   XXXX   XXXX   XXXX      XXXX   XXXX    XXXX    XXXX   XXXX     XXXX   XXXX      XXXX   XXXX   XXXX     XXXX   XXXX   NEVADA   XXXX      XXXX   XXXX     XXXX   XXXX   NEVADA THE MERCHANDISE THAT WAS RECEIVED FROM   XXXX   XXXX   WAS SHIPPED TO   XXXX   XXXX    NEVADA AND ALSO SAME WITH   XXXX   XXXX  .
THE CHAPTER   XXXX   XXXX   NOT MINE AS WELL WHICH WAS FILED ONLINE IN   XXXX   XXXX    NEVADA DISTRICT COURT AND ALSO THERE WAS A VEHICLE INVOLVED. I HAVE PROVEN TO THE BUREAUS THAT THIS WASNT ME. I PROVIDED THE FOLLOWING TO EACH CREDIT BUREAU.
1. 17 YEARS WORTH OF ALABAMA ID ISSUED DRIVERS LICENSE 2. ALABAMA STATE TAX RETURNS 3. RENTAL LEASES FROM  XXXX - XXXX   XXXX  IS THE ONLY BUREAU THAT HAS REMOVED ALL THESE ACCOUNTS AS WELL AS THE CHAPTER   XXXX    FROM MY CREDIT FILE. I HAVE FILED POLICE REPORT IN MY CITY AND SURROUNDING CITY DUE TO THE FRAUD ACTIVITY ON MY CREDIT REPORT. THIS IS IDENTIY THEFT IN A STATE WHER EI NEVER EVEN VISIT. PLEASE RE INVESTIGATE AND REMOVE FROM MY CREDIT FILE
Product: Payday loan

I have 2 means of contacting this lender : " Rosebud Lending BHL d/b/a First Pay Loans '' via : Telephone : ( XXXX ) and Email : XXXX. 
When I contact via phone, the call does 3 rings then drops. When I contact via email, no response. When I look on my bank statement, the company does not have a phone number, but goes by the name " XXXX ''. There is no other means of contact.
Product: Debt collection

To whom it may concern, This dispute is in accordance with the Fair Credit Reporting act. The collection account with XXXX with the amount of {$560.00} has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States that it is my right as consumer to have privacy, which this account violates.

15 U.S.C 1681 Section 604 A Section 2 : States that the consumer reporting agency can not furnish a account without my written instructions, which I have not given. 

Due to my right as a consumer being violated, I request that this account be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and I have a lot of accounts on my report that do not belong to me and its taking the bureaus more than 30 days to remove the accounts. The accounts are not accurate and do not belong to me. No one is submitting this on my behalf. It is I, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

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 In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report and found some inaccurate accounts that are reporting. Please remove XXXX XXXX in the amount {$1000.00}. Please remove XXXX XXXX in the amount of {$690.00}. Please remove XXXX XXXX in the amount of {$1300.00}. Please remove XXXX XXXX in the amount of {$28000.00}. Please remove XXXX XXXX XXXX XXXX in the amount of {$1700.00}. Please remove XXXX XXXX in the amount of {$2100.00}. All of these accounts are reporting inaccurate and are fraudulent accounts. I would like these accounts removed as soon as possible. I am in the process of purchasing my first home for my family. I need these accounts removed as I am a part of the Equifax data breach.