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

I, XXXX XXXX XXXX XXXX, reviewed my credit report and found the following item ( s ) to be in error. I am a victim of identity theft and did not authorize the charges. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit.

By the provision of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that's you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec 1681 ( a ), you must complete this investigation within 30 days of receipt of this letter. Please send an update of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who has received my credit report in the past XXXX months
Product: Debt collection

Convergent Outsourcing is attempting to collect a debt on behalf of XXXX. when I reached out to XXXX to inquire about the debts removal, they informed me, that I don't have a debt with them. There records show I closed my account in XX/XX/2018. The debt didn't appear on my credit until XXXX this year though.
Product: Checking or savings account

Two separate transactions of {$79.00} paid towards XXXX XXXX XXXX in XXXX, NJ had posted to my account more than once after it originally posted. Wells Fargo states that despite the confusion, nothing went wrong on their end. When I asked to close account, they hung up on me.
Product: Credit card or prepaid card

On XX/XX/2023 my card was somehow used at an atm machine in a different city and they took out XXXXXXXX XXXX Ive had my card with me at all times and I was home the same day they took my money I submitted a dispute and it got denied I was asked to write to them so I can receive the documents they wouldnt give me any information on the phone regarding there decision they said I had to write a letter so I did and I havent heard from them its been almost 2 months and still no information regarding there reason for not refunding me my money
Product: Debt collection

Pheonix Financial Services LLC, on behalf of XXXX XXXX XXXX XXXX contacted me XX/XX/XXXX about a medical debt from XXXX XXXXXXXX XXXX from XX/XX/XXXX in the amount of {$1700.00}. Asking for debt verification they sent a bare invoice with misspelt name and no original creditor information beyond it being XXXX XXXX XXXX. They have no proof of this debt and the medical care I received at the time was put through insurance and paid. They have information that should not have been provided according to HIPAA. An analysis of all three parties involved on XXXX XXXX XXXX shows this is chronic illegal behavior. They bought data from a breach and threaten and harass people instead of going through court or any legal method that would require them to prove the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX XXXX are the amounts XXXX XXXX XXXX showing collection unknown ftc violations The National Credit Union Administration ( NCUA ), along with four other federal regulatory agencies, recently released guidance about the repeal of certain credit practices rules applicable to federal credit unions, banks, and savings associations.1 The enclosed guidance clarifies that, despite the repeal, the agencies still have supervisory and enforcement authority regarding unfair or deceptive acts or practices, which may include the practices prohibited by the former credit practices rules.2 With respect to federal credit unions, this repeal will affect NCUAs regulations in Part 706 of Title 12 of the Code of Federal Regulations that generally prohibit : the use of certain provisions3 in consumer credit contracts, the misrepresentation of the nature or extent of cosigner liability, and the pyramiding of late fees.

They have not even looked at it or tried to fix it all under NCUA law
Product: Debt collection

On XX/XX/XXXX I cancelled my account and wireless services with XXXX XXXX XXXX, requested a final bill and with total amount owed on devices, XXXX XXXX XXXX did not cancel services and kept non charging me for services event though I had already switched companies, they never submitted a cancelation of the account to the department that handles closing accounts, for over a year and a half I kept contacting XXXX XXXX XXXX to get this matter resolved, speeded hours on the phone with several representatives and supervisors, they admitted their mistake and made promises of correcting the issues. XXXX XXXX XXXX  never contacted me back as they promised they would, never provided me in writing any information of the corrections, in fact they did nothing and kept on charging me erroneously for an account it was inactive since XX/XX/XXXX, on or around XX/XX/XXXX a collection with XXXX XXXX showed up on my credit report regarding this account, I filed a dispute with XXXX  and it was removed since there was incorrect and inaccurate information reported to my credit bureau, on or around XX/XX/XXXX another collection showed up from the same creditor this time under Sunrise Credit Service collection agency, reposting again incorrect and inaccurate information, they refuse to remove the information and make numerous threats to harm my credit since their client XXXX XXXX XXXX has submitted that those were valid charges, after contacting XXXX XXXX XXXX on XX/XX/XXXX an adjustment of {$790.00} was made into the account since they admitted and realize the mistake made since XXXX, Sunrise Credit Services keeps on reporting to my credit report this account that in fact it should have never been place in collection if XXXX XXXX XXXX would correctly cancel the account in XX/XX/XXXX, there has been nothing sent in writing and XXXX XXXX XXXX refuse to provide writing documentation and refuse to correct and delete this information from my credit report even though we are still working on finalizing the bill with the correct charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/2022 ; but I never received a response from them. These accounts must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

Equifax.l not reporting credit balances in a timely manner, called on XX/XX/XXXX to get help and XXXX XXXX Resolution supervisor on XX/XX/XXXX, XXXX wasnt helpful and put me on hold for over 10 minutes! Im still on hold AS I FILE THIS COMPLAINT. He kept blaming the cc company on not reporting my balances when thats incorrect. We have this issue every month!
Product: Credit reporting or other personal consumer reports

I have disputed this XXXX XXXX account and XXXX multiple times to XXXX trans union and XXXX for reporting inaccurate information about my account which has effected my report for quite sometime. I have made all my payments on time and in full just to show on each company that I either havent or just with the completely different information on all three from the same account. Please delete this XXXX XXXX  account from all three credit bureaus because they have continued to violate my rights. These accounts have been predatory and I find it quite interesting that they will fight tooth and nail to let your credit score fall almost as if they enjoy doing this to people
Product: Credit reporting

I reported to XXXX in XX/XX/XXXX that the XXXX XXXX adverse accounts were the same accounts listed under Department of education as satisfactory accounts. I am no longer liable for any XXXX XXXX accounts. These were paid by insurance. They are also way older than 7 years. I was never given a final response on my dispute filed XX/XX/XXXX. I believe that they thought I would just forget about it. I am XXXX years old and just now learning about credit reports. Instead of teaching me my mother was getting school loans in my name, but that is not the issue. I am no longer liable for them anyway. XXXX has been grossly negligent with my report. They had medical information not coded on my report, listed a XXXX as my address from XX/XX/XXXX and did not list and of my professional work experience from after I graduated college. They only still have a fast food restaurant from XX/XX/XXXX. They had my address as living in XXXX, Ks, XXXX, Ks and XXXX, Ks all in the same month and did not notify creditors about the address discrepancy. The XXXX XXXX accounts are settled. They have also been selling my credit report willy nilly without a permissible purpose listed on my account review inquiries without my consent. There are people who try to tell me they got my report because I got a homeowners ins quote, but I do n't own a home and they say I am not giving them the address that the quote was for. There are a few who just tell me they ca n't find any account for me. This is a blatant disregard for my privacy.
Product: Debt collection

Your agencys failure to rebut, answer, respond, to this conditional acceptance upon proof, USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached, and a copy sent to Claimant for rebuttal or acquiesce stand as a Default Judgment and Declaratory judgment of the facts stated herein being true. Your agencys failure to rebut or continued acquiesce, failure to address, answer or respond to Default Judgment and Declaratory judgment created Summary judgment, dated XX/XX/2018. This is Final judgment with prejudice of the facts in this matter stated herein and will and shall stand Res judicata, under full faith and credit in any and all courts in the land from beginning of this matter, ab initio, now and forever. And thus barring any further acts, actions, rebuttals, appeals, defences, or judgments of any kind in this matter having herein been already decided.
Product: Credit reporting or other personal consumer reports

My personal information was exposed in a XXXX XXXX XXXX  data breach, whoever stole my identity opened fraudulent accounts in my name and the accounts are reporting negatively on my credit report. Here are some of the fraudulent inquiries and accounts ... .I also attached supporting documents.

Fraudulent Inquiries and Date of the inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I had an account with Self Lender. The account is currently paid and closed and has been since XX/XX/XXXX. Today ( XX/XX/XXXX ), the company reported that the account status is currently 30 days past due. Again, the account is closed with a XXXX  balance!!!!! The account is not 30 days late. I previously filed a complaint about this months ago. The company fixed the issue, but as of today, they reported the incorrect status AGAIN. I am including the letter from the company from my last complaint where it states that they were correcting the account status. The company has gone back on their word, which is in writing.
Product: Vehicle loan or lease

Payment Info Status Current, was past due 30 days two times Updated on XX/XX/XXXX Past due amount - Original loan amount - Monthly payment {$650.00} Late payments XX/XX/XXXX XX/XX/XXXX However I dont agree with reporting me past due for these two months. The reason being, I personally on numerous occasions requested a due date change. 
XXXX XXXX stated they lost my paperwork. I complained to the highest department. 
I reported it as inaccurate information with the major credit bureaus. This is impacting my score. I even signed documents to change my due date. Had my due date been changed as requested I would not have been reported late due to a 15 day grace changing a due date provides.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2023 to XXXX. However the credit bureaus said they completed the investigation and everything was 100 % accurate. According to the law 15 U.S Code 1681a - Definitions ; rules of construction. The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of informations. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

I would like to know who did they talk to? How did they complete my investigation? What would be a fair resolution to this issue? Please delete the accounts from my credit report. 

Here is my contact info for further information. 

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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit reporting agencies are required to remove any item listed on an id theft report. Please find the attached documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX Balance - ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

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

i have an ITIN and when get a report they inform to me that DESEACED or unverificable application information
Product: Mortgage

Bought my home in XXXX. In XXXX I was foreclosed on by XXXX. Consequently a deed was recorded in XXXX name. A loan modification started prior to the foreclosure was granted. My mortgage was reinstated via a loan modification. However the bank failed to return legal ownership to me and never recorded a deed in my name. It has been 10 years and my mortgage is in good standing. The bank is aware of this issue but choose to do nothing.
Product: Debt or credit management

I am NOT 2 payments behind, XXXX is showing 30 days late for XXXX AND XXXXI am not late those months, I am current for XXXX AND XXXX. please remove this false report to XXXX The issue I've been experiencing is on my credit report clearly shows 2 late payments for XXXX and XXXX but on SELF and talking to multiple support teams, I'm current for the months of XXXX and XXXX. This needs to be removed and corrected on my credit report for XXXX and to other credit bureaus. I've sent screenshots to back up my statements of FALSE LATE PAYMENTS FOR XXXX AND XXXX. I AM CURRENT, no late payment for these months stated above. Please remove and correct the information to repot back to the credit bureaus with updated CORRECT information. Thank you for your time XXXX XXXX
Product: Mortgage

Dear Sirs : On XX/XX/XXXX, I received an affidavit from XXXX Law Firm, representing XXXX XXXX  XXXX, XXXX, which holds the reverse mortgage on my home, telling me that this reverse mortgage, taken out by my father early in XXXX, was not covered by federal money, thereby leaving me unprotected from foreclosure or eviction action, protection guaranteed by the Coronavirus Aid, Relief, and Economic Security Act ( " CARES ACT '' ) of XXXX. 
I immediately contacted Reverse Mortgage Solutions, which keeps records of all reverse mortgages provided in America, asking for proof that my late father 's reverse mortgage was indeed covered by federal money. The company representative to whom I spoke asked me to send a formal request for this information, which I did in an e-mail of XX/XX/XXXX. I also sent a fax of a printout of this same e-mail on XX/XX/XXXX, and a registered envelope containing another printout of this letter to Reverse Mortgage Solutions, and have received receipts from Reverse Mortgage Solutions, proving that they have received each and every one of these requests, all legally completed and done in accordance with company standards, and was told that I would receive the desired -- and most necessary and vital -- evidence by early XXXX, XXXX, but I have yet to receive this most vital information. Whenever I call the company at XXXX, I am always told that the information will be sent to me, but I am still awaiting its delivery. I demand the information be e-mailed to me, as I have all of the evidence necessary to prove that my requests for it were indeed received by Reverse Mortgage Solutions , Inc., and requested entirely in accord with their demands for obtaining it.
Product: Money transfer, virtual currency, or money service

I have an account with {$2000.00} unauthorized fraudulent transaction on it, it was approved that fraud took place but after a month of waiting my check never arrived, I received an approval letter but when I called 5th third bank sent me a check to someone else house and it got cashed I have been trying to resolve this issue all day on XX/XX/23 the agents were sending me to the bank and they would send me right back to the csr and I am in need of my money that I never received, they have caused me to have no car insurance and they are close to causing foreclosure on my house, from their lack of supplying me my funds and closing my account early they have showed me how unprofessional they are and they need to correct this mistake quickly, if not then i am going to make sure fifth third pay my house off completely .....
Product: Credit reporting, credit repair services, or other personal consumer reports

I see that someone is attempting to open accounts in my name I have several inquires that are fraudulent listed on my credit report and I want them off because its fraud these people just get on my nerves and I have completed a police report and included the FTC report with this complaint. 
inquires : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX
Product: Checking or savings account

XX/XX/XXXX I was notified by email that my capital one 360 checking and savings account had been restricted. 
XX/XX/XXXX spoke with an agent from the fraud department who Told me the restrictions were the result of internal flags due to XXXX XXXX loans received in my account in XX/XX/XXXX. The agent stated that I would need to provide proof of my small businesses. I spent Approx 2 hours on the line with the agent answering detailed questions about my two small businesses ( one a farm and the other vehicle repair ). The agent requested tax documents and EIN documents, which I then provided by email on the same day. I was told it would be 48-72 hours until the funds ( approx {$22000.00} ) would be available again, and that I would be contacted if there were additional questions. I re-emailed the same documents on XX/XX/XXXX and XX/XX/XXXX as I had not received a response. It is now many days later and my banking accounts are still restricted. I have no access to my money. I have employees to pay and animal feed to purchase and no response from the bank. I request the back immediately unrestrict my accounts, or send all funds to me by bank check. Capital One is improperly interfering with my money, as I continue to pay interest on my XXXX Emergency loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/2019 and a balance of {$25000.00} In accordance with the Fair Credit Reporting act. The List of accounts above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

This item is not allowing me to refinance my home and has an impact on employment. It is also affecting my credit score and making other creditor to lower my credit lines.