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

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting or other personal consumer reports

I did not authorize any of these inquiries and do not know why they are on my report. 
XXXX ( Bank ) XX/XX/XXXX FEB/DESTINY ( Bank ) XX/XX/XXXX FEB/DESTINY ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX FEB/DESTINY ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Consumer Reporting act XXXX XXXX allege 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

On XXXX/XXXX/2015, I filed an dispute with Syndicated Office Systems. I advised them that I am not refusing to pay the alleged debt, but their claim is disputed. I advised to send me copy of contract with my authentic signature that begun this alleged debt and should the contract not be available with my authentic signature to delete the trade line off the CRA. More importantly, I advised them that not complying wit the FDCPA will put their company in a bad position with the CFPB. Syndicated Office Systems never sent me a contract with my authentic signature that begun this alleged debt and is still reporting the account to the CRA.
Product: Debt collection

inaccurate and inconsistent with my financial records and personal information. I've never authorized an account and looks like a fraudsters attempt to extract funds with my identity. 

Please remove from report. This account is almost 7 years old and have yet to locate the orignator.
Product: Mortgage

XXXX was sold from XXXX XXXX XXXX  to Lakeview / XXXX XXXX. Went through forbearance period and was to roll passed due payments into new loan. After 4 months refinance package came and was returned. Lakeview/XXXX XXXX. Called to verify return. They said it was returned late. After talking at least weekly for XXXX months XXXX said to reapply next one said XXXX XXXX  mitigation would send another settlement package. I am still waiting and LakeviewXXXX XXXX XXXX is selling it to XXXX XXXX subservicing for Lakeview Loan Servicing , LLC XXXX I am so frustrated with constant run around and the XXXX interest since this nonsensical process was started.
Product: Student loan

I made a payment to my account on XX/XX/XXXX in the amount of {$6000.00}. Part of the payment was applied to one of the sub loans as a credit/overpayment in the amount of {$2700.00}. 
I need this credit to be applied to the other sub loans on this account. I've called many times starting XX/XX/XXXX and was told it would be taken care of but it's now been over 2 1/2 months since I made the payment. I also wrote a detailed email through the portal but received no response there either. 
The first person ( XXXX ) that I spoke to on XX/XX/XXXX stated it would be fixed in 20-25 days. After waiting that period the next person said XXXX filled out the wrong form and they would take care of it on XX/XX/XXXX. Each time I'm told the conversation would be recorded so they have the recordings to listen to and confirm. Today ( XX/XX/23 ) my Dad spoke with XXXX (? ) she started by saying she could issue an emergency refund but it is processed through the Department of Education so she she couldn't say how long it would take. He requested it be applied to the other sub loan and she said that balance was only XXXX. Roughly the difference between the overpayment sub-loan and the subloan with a balance. She told him several times that she couldn't provide him with any proof of this and also could not put him through to a supervisor. Again there is a complete recording of this on file.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to dispute the unauthorized reappearance of several bank accounts on my credit report. These accounts were previously removed, and their reappearance is both erroneous and damaging to my credit profile. This unauthorized action has caused significant distress and potential financial harm. I demand the immediate and permanent removal of these accounts from my credit report. Failure to do so will leave me no choice but to pursue legal action to protect my rights and seek damages for the harm caused by your negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX / XXXX / XXXX / - Date - XXXX / Amount - {$1000.00} / XXXX XXXX - Date - XXXX / Amount - {$400.00} / XXXX XXXX XXXX  - Date - XXXX / Amount - {$630.00} XXXX XXXX XXXX XXXX XXXX / Date - XXXX / Amount - {$1200.00} / XXXX XXXX XXXX - Date XXXX / Amount - {$720.00}. Illegal posting of owner / consumer credit reporting of alleged debt ( s ), hard inquiries on companies credit monitoring services / site.
Product: Debt collection

i was responsible to pay my co-pay for a medical visit i had, i waited to receive the mail, i have had issues receiving my mail at times i expressed that, one day i got a bill saying that owed this large balance an i I 'm confused because i know i do n't owe it i have benefits that job covers majority, it says its because i did not pay the co pay but i never received that mail
Product: Debt collection

Received a letter in the mail on XX/XX/2021 from American Coradius International LLC claiming that XXXX has sent my account to collection in the amount {$9100.00}. I have once opened a XXXX credit account in my life, and my one and only XXXX account is in good standing. I have no idea how this outrageous amount of money was tied to my name. Seems like a feeble attempt to extort money out of hard working people. I do not have any collections shown on any of my credit reports, nor do I have any debts shown to XXXX on any of my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

KAY JEWELERS Account # XXXX Hello, this account was paid in full in XXXX. I don't have no records that there was ever any items brought after this card was paid off. 

Seeing that this account was put into collections and effecting my credit score, I paid this account off with XXXX XXXX XXXX. XXXX XXXX XXXX agreed that if I was to pay this amount we agreed on they would have this account deleted from my file. Upon changing my account I see that this account hasn't been deleted from my credit file.
Product: Credit reporting or other personal consumer reports

I formally disputed fraudulent accounts on my credit report on XX/XX/XXXX and XX/XX/XXXX These accounts were opened without my authorization during a period when I was a victim of XXXX XXXX 

1. Auto Loan in the amount of {$43000.00} I have followed the proper dispute process, providing all necessary documentation, including proof of my XXXX history and any supporting legal documents. Despite this, the accounts remain on my credit report, preventing me from moving forward with stable housing. 

I am requesting immediate intervention to have these accounts removed, as they are a direct result of my XXXX experience and are creating unnecessary barriers to my recovery and stability. Please let me know what additional steps I need to take to resolve this matter as soon as possible.
Product: Credit reporting or other personal consumer reports

XXXX, Equifax and XXXX have failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where XXXX, Equifax and XXXX has neither corrected or removed these disputed items despite the evidence I provided. This is causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX, Equifax and XXXX inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX  XXXX {$590.00} There is no valid claim, no contracts exist ... accounts were settled with original creditors by insurance carrier and has been confirmed. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAYS DATE:XXXX XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Equifax XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  Dispute Department XXXX XXXX  XXXX XXXX, Texas XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX 


I recently submitted a request for investigation of an Acct Number : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable.

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX  SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

experian told me over the phone that the duplicate names on my credit report could not be removed. I didnt double enter my name 6 times on my credit report, and it looks tacky and unproffesional. My name is XXXX XXXX XXXX Not XXXX XXXX , XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX , and XXXX XXXX .
Product: Checking or savings account

On XX/XX/2024 my RobinHood account had been locked temporarily. They asked me for documents such as my state Id, my bank statements, bank linking through XXXX, and selfies of my face. They said they would contact me on the XXXX then the XXXX and so on. It just keeps updating but Im not getting any answers. I have over {$2500.00} in my account and theyre not letting me withdraw or manage my money. I simply asked for my money to be returned to my bank if they wouldnt be unlocking my account. Ive been ignored and have been in line for a phone call for 6 days now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$2500.00} XXXX XXXX Balance : {$2400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX the balance on my GM Financial Auto loan account was {$770.00}, this has been the balance since XX/XX/XXXX. I have asked GM and XXXX several times to update the amount. Since XX/XX/XXXX XXXX shows my balance was {$2300.00}. This information is incorrect! This is the balance XXXX still shows I owe. I have disputed this amount numerous times with XXXX and GM and they never updated my credit report. Note XXXX and XXXX completely removed this account. I have sent XXXX proof of my payments and they still updated nothing. On XX/XX/XXXX I paid this account in full by paying the remaining {$770.00} due on this account and XXXX still refuses to update or remove this account saying GM financial keeps telling them the {$2300.00} is still due, is past due and no payments have been made since XXXX and they state GM financial validated this despite numerous phone calls, web messages to GM and several letters with proof of payment sent to XXXX proving I paid but no one for years will listen to me and it caused me to not get a mortgage I needed and has adversely effected my quality of life and I demand answers! No person should be held XXXX via a company lying to the credit bureaus lowering humans credit scores, no one deserves the torture GM and XXXX has put me through. I want every copy of documents relating to the validations to the investigation and re-investigations XXXX sent to GM.
Product: Mortgage

I asked for a loan Modification ... .has paid the trail period a few times ... But the loan interest is still high and the payments not as good as XXXX and otehr banks ... THey are not discountqsing THe Obama XXXX discount of {$100000.00} per mortgage ... loan ... Iasked for a modification agreement not a lien modification agreement ... .We both must agree on something and erase all the arrears since this loan is a toxic loan, given up from XXXX XXXX They should give what the consumer can afford ... SPS servicing can only erase {$300.00} or less on d payments infact other banks and collection agencies drop to {$800.00} less and up to {$1000.00} less from current payments ... because they dropped their interest up to 2 % a year for 5 yrs..then it goes up..after five years of payments ... we want to resolve this issue ... immediately, they are forcing me to sign ... a contract that I am not happy and still high..monthly payment ... Thank You ... XXXX or XXXX XXXX XXXX ( XXXX )
Product: Credit card or prepaid card

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on FSTPROGRESS. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit card

tried to use my Revvi credit card to pay bills and cant use it because they want to place a lock on it my credit limit is {$300.00} my balance is {$130.00} said i they have to check paperwork to unlock it. I checked with the XXXX XXXX COMPLAINTS AGAINST THIS COMPANY phone number is XXXX
Product: Debt collection

To : XXXX XXXX XXXX / XXXX XXXX XXXX XXXX Date : Tuesday / XX/XX/XXXX XXXX : Disputing the amount of Citibank Costco card XXXX My name is XXXX XXXX, and I AM disputing the amount that you are collecting for, which you/Citi says is {$49000.00}. I will pay my part of the debt, but nothing more. The following is an explanation of why. 
Costco opened in XXXX NE in the Fall of XXXX. I got my original Costco Business card in late Fall of XXXX, which had a credit limit of {$9000.00}. InXX/XX/XXXX, numerous items were stolen from my purse such as : identifications cards, checks from XXXX XXXX, and the Costco credit card. An official Police Report was filed on XX/XX/XXXX ; I can send you a copy upon request. I also called Costco to  notify them, and they issued me a new card. 
In XXXX of XXXX I started to notice some strange activity going on with my XXXX account. Someone hacked into my phone account and started to make numerous purchases. When I noticed these purchases that were not mine I called XXXX. They eliminated all the purchases that were not mine, and they shared the last 4 digits of the bank account that were used which was not mine. 
In XX/XX/XXXX, I then noticed strange stuff going on with my Costco credit card. I sent them a copy of my police report and asked them to CANCEL my card. My balance was no higher than {$7000.00}. 
In the Summer of XXXX, I called Costco to figure out why I havent received a current bill yet. I spoke with XXXX. 
Later in the Summer of XXXX, I called Costco again per receiving a letter saying I owed a balance around {$30000.00}. The person I spoke with was XXXX. She said that in her notes that I had called in and asked them to link my husbands bank account to my Costco credit card for payments. There are numerous errors with this. First, I was divorced in XX/XX/XXXX, and did not include him when I got this Costco card. Second, I would not and did not ask them to link up my ex-husbands bank account to my Costco account for payments. Third, the last 4 digits they said I gave them were the SAME last 4 digits that the XXXX person told me I had given them. Fourth, I only bank at XXXX XXXX, and this bank account was NOT from XXXX XXXX. 
On XX/XX/XXXX, I called Costgo again per receiving a collection call from a company in OH. I spoke with XXXX. I said this is still fraudWhat do you need from me so you can process this correctly? 
I am willing to pay up to the {$9000.00} credit limit I had on my Costco Business credit card, but nothing more. I am a victim of identity theft,  have taken the proper procedures to let everyone know, and am not responsible for Citis mishandling of this situation. 

Copied : XXXX / XXXX XXXX XXXX FTC XXXX Federal Trade Commission CFPB XXXX Consumer Financial Protection Bureau State Attorney General for TX State Attorney General for NE
Product: Mortgage

Our mortgage payments are, and have been, up to date. We have all the documentation to prove this, however, Selene Finance is continually sending us Certified and regular USPS mail stating that we owe for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They did not respond to emails. XX/XX/XXXX we sent a certified letter with our complaint and proof to Selene Finance. Over a week later we finally received a response via email stating that we owe for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX in spite of having just provided proof in a certified letter that XX/XX/XXXX - XX/XX/XXXX have been paid. We responded to the email and again have not received a response. Today we are sending yet another certified letter to Selene Finance to provide them with another copy of the same proof that those payments have been made and to correct the error in their system.
Product: Mortgage

My lender is Wells Fargo my home preservation specialist is XXXX XXXX, he requested my XXXX XXXX and a signed and dated copy of application I provided XXXX with those documents on the XXXX of XXXX and on the XXXX of XXXX I got a email from wells fargo then my case had been closed. In my opinon I don't even think wells fargo sent any of these documents to my investors/underwriters for review???? I want answers to why did this occur ASAP! >>>
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 U.S.C. 1681 Account List : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Have all 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 an account without my written consent.
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 on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Date Opened : XX/XX/2011 Balance : {$0.00}. 

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 an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting a closed account status for a collections account with XXXX XXXX XXXX. The account should be deleted because I have had no interaction or relationship with that collection agency. Any balance due was paid and settled with XXXX XXXX, I have no relationship with The XXXX XXXX XXXX. The account was successfully deleted from my XXXX and XXXX reports but Transunion refuses to update the incorrect record. This must be deleted as there is no relationship between myself and XXXX XXXX XXXX. This must be deleted. I have no debt with XXXX XXXX