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

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

UNAUTHORIZED INQUIRIES ON MY CREDIT REPORT INQUIRY DATES : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX with Social Security Number XXXX, a resident of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : Applicant Identification : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements.

Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID.

o A copy of a recent utility bill or bank statement confirming my current address.

o A copy of my Social Security Number.

Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite of the several failure to remove fraudulent items from my credit report, I am writing to express my ongoing frustration and concern regarding the. In regards of my previous XXXX attempts to address these fraudulent items, they remain on my credit report, significantly impacting my creditworthiness and causing undue financial and emotional distress. I have diligently followed the procedures outlined by the Fair Credit Reporting Act ( FCRA ). However, the agencies have not taken the necessary steps to investigate and remove these fraudulent items. The continued presence of these fraudulent items on my credit report has resulted in numerous negative consequences, including denial of credit opportunities, increased interest rates, and significant stress. Please help me remove these items immediately : XXXXXXXX XXXX XXXX XXXXXXXX, MO XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX, MO XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX ; XXXX XX/XX/XXXX ; DEPT OF ED XX/XX/XXXX.
Product: Debt collection

Between XXXX XXXX, 2023 and XX/XX/2023, a new account in collections was added to my report. The collection agency is CREDENCE RESOURCE MANAGE. The original creditor was XXXX XXXX XXXX XXXX. 

I just got a notification alerting me that my credit report has changed and a new collection has been added to my file. from what i understand it was originally a debt owed to " XXXX XXXX ''. I know this is fraud because I have never opened up an account with them. I am dumbfounded that this is even happening. I have not contacted the collection agency. this " complaint " is my first step in trying to resolve this. 
it is not fair that something like this can happen and i had no knowledge of it. 
at the very least i should of been contacted about this debt before it was given to a debt collector.
Product: Mortgage

Carrington Mortgage increased my forced insurance without notifying me, causing an escrow shortage, that could have been avoided had I been notified. I only found out about the increase when speaking to a loan officer about refinancing my mortgage. I was blindsided.
Product: Credit reporting or other personal consumer reports

I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 
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

Equifax, I disputed this online, on your website and uploaded my ID at that time. I received an email a few days later saying that they wanted my ID and they wanted me to submit it by fax or mail. I truly don't understand why your system allowed me to submit it online and upload my ID at that time if you were going to in turn ask for the ID a different way. This is a CLEAR AND UNNECESSARY STALL TACTIC and my MY INTELLIGENCE IS INSULTED. I also received an email that my dispute was complete just for you to say the same frivolous rhetoric that you said previous in the 1st attempted stall tactic. I tried to send the documents again to no avail to the fax number provided by your company which failed every time. This is not rocket science and I will not let your company make me perform like a cat chasing his own tail. So, I have decided to file this complaint to get you guys at Equifax to do your simple job of updating my birth year to the correct year.
Product: Mortgage

To whom it may concern, I would like for your company to look in to this matter for me. I have been trying to solve this issue for a few years and just I got some information to reach out to you all. Back in XXXX the house we had was financed through XXXX, and the land was attached to the house as well. During the flood of XXXX the house was totally demolished, nothing was left of the home, nor was the home salvageable. FEMA and SBA ( SMALL BUSINESS ASSOCIATION ), financed the new home we are in now after being homeless for 2 to 3 months. The matter is XXXX would never give SBA the  pay off information, even though it was a check cut for the account to be paid off. we wrote letters, called, we went through measures to get them what was needed. We have not, or ever been behind in any way with XXXX. after 45 days of trying to communicate with them ( XXXX ), SMALL BUSINESS ASSOCIATION, close the loan so that we would not remain homeless. they sent the loan to SPS ( SELECT PORTFOLIO SERVICING ), whom I have tried to communicate with for years now, and to no prevail with them as well, the sent me a letter for a Right to Cure. I have reached out to several companies, lawyers, and friends never be able to solve this problem with them either because as I said to them XXXX dropped the ball and passed the mess to them in the amount of XXXX of rears payment but totaling XXXX XXXX, 0.25 acres do not cost that much and I hope that you all can help. The right to cure date is XX/XX/XXXX thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ], [ MI ] XXXX ] SSN : [ XXXX ] | DOB : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXXXXXX XXXX XXXX XXXX ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]
Product: Debt collection

I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX. They have also placed this on my credit reports. If you look at my past complaints you will see that this is the same account that XXXX XXXX has, which was removed from my reports. The debt was closed and sold and resold several times. The account was closed and sold between XXXX. It is now XXXX. It is well past the statue of limitations. So how are they being allowed to continue to sell this old debt and continue to place it on my reports as a new account. The credit bureaus never ever fully validate any debt with a paper trail. All they do is send a letter saying it was verified. Their is never anything showing how it was verified. I can not get a copy of any documentation
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX  XXXX, Chase Bank, XXXX XXXX, have violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never received a fair investigation for this fraudulent account reporting on my consumer credit report. XXXX XXXX XXXX is known for fraudulent activity and Equifax is an accomplice. All information about the account is false, never been proven and must be deleted from my credit report. Please see attached police report, FTC report and a few previous disputes.
Product: Credit card or prepaid card

I was charged for an out patient procedure performed at a XXXX XXXX XXXX on XX/XX/2023. Before the charge I asked for a itemized breakdown of the all charges and was told they did not have a breakdown, just notes indicating the total amount due whihc was {$3100.00}. Days later after reviewing my explanation of benefits from my insurance company, the amount due by me was {$720.00}. I made numerous phone calls, mailed three letters to three different agencies and filed a compliant online with the Joint Commission regarding the calculation error. Since I did not hear anything, on XX/XX/2023, I signed into my credit card account to file a dispute for the difference of {$2300.00}. 
I provided copies of documents ( as well as my EOB ). I checked my account on XX/XX/XXXX, and saw the dispute was closed. I never received notification of the dispute, never received a temporary adjustment and never received notification regarding why the dispute was closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian investigated my mortgage with XXXX XXXX XXXX XXXX mortgage and rather remove the late payment as the company requested. Experian went back and added old late payments from XXXX to my credit report on yesterday 30 late payments from XXXX, XXXX and XX/XX/XXXX. They also added a 30 day late payment from back back XX/XX/XXXX to my mortgage account that I had no knowledge this goes against my rights under the fair reporting credit act 15 USC 1681g. They have no right to put old data on my credit report as a consumers. Please help each are trying to refinance our home and these 4 late payments added late will kill our chances of refinance.
Product: Credit reporting

There are a bunch of items that are past the statue of limitations listed, these items were disputed and still listed and a bunch of duplication 's. 
XXXX of XXXX XXXX assistance XXXX total, XXXX XXXX XXXX total, an account through XXXX XXXX. Please help as this agency is not complying
Product: Debt collection

I received a Notice of Debt letter from Capio Partners dated XX/XX/21. Letter was received by mail on XX/XX/21. The letter claimed that I owed {$200.00} to Florida Hospital, but was willing to settle for a payment of {$120.00}. I called Capio immediately to let them know that the person they are looking for is not me, I have never been to Florida, I have never been a patient at the Florida Hospital, I do not owe them money, and requested that they remove my name from their files and stop sending me letters. The person I talked to was very dismissive about everything, said she would update my address in their files ( which to me indicated that they would continue to pursue me to pay the debt ), was extremely rude, and told me that if I didn't want to pay the debt that I should contact an attorney. I attempted to continue the conversation to provide proof that I was not the person who owed the debt, but she hung up on me in mid conversation.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I have not applied for any services or products with the mentioned company on the specified date, and I did not provide consent for this inquiry. As such,
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( 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 process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting

Since XXXX 2014 Experian has ignored my numerous requests to investigate, verify and remove XXXX account from my credit report that was opened fraudulently.
Product: Checking or savings account

I keep getting emails from XXXX that wants me to click on a link or something would be deactivated.

I've searched the company website for information and it provides none. I attempted to contact the company in writing, but they do not provide an email address. All correspondences must be done in writing to protect both sides.

I simply want to know if this is a valid email that is being sent or if it is SPAM. Don't understand why the company can send emails to me but won't allow me to email them. I guess complaints are the only way to ensure that everything is correctly documented.
Product: Payday loan, title loan, personal loan, or advance loan

Hello I have tried resolving this with this company several times and the late payment is still on my credit report, I spoke with someone at this company about my email address needing to be updated and the information that was sent to me my email address was old and I dont have access to the address anymore, and I was also opted out of auto payment by this company without my permission. My purpose for working with this company was to fix my credit not ruin it..
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I applied for a credit card because my XXXX XXXX was listed as very good. I pay for XXXX service to stay on top of my credit so I check it regularly and have the app downloaded to my phone. When I was denied the credit, I called XXXX to ask why, and they stated that my XXXX and XXXX credit was showing late payments and a delinquent account. When I signed up for the XXXX service to obtain my credit report, it showed negative reporting multiple times from Concord Services. I called Concord Services to ask who they were and why they were reporting negatively to the credit bureaus. Over the phone, they were unable to provide me any account information except the account number XXXX and email XXXX. I emailed and they told me I am not authorized to speak on the account, that it wasn't in my name. I added my husband to the email, who would be the only other person on the account and they have refused to respond to any additional requests sent by us both ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). We do not have an account with this company, have never had an account with this company and do not have any knowledge of any account with this company. They have been reporting negatively to XXXX and XXXX ( not XXXX ) since XX/XX/XXXX. I have filed disputes with both XXXX and XXXX and those are still pending. I sent the history of emails to them both to review. Please help with this fraudulent company.
Product: Credit reporting or other personal consumer reports

I've been the victim of I'd theft and have a block on my credit /alert as well. There have been numerous unauthorized inquires on my account without consent I've disputed these inquires in twice within the past 24 hours and they have done nothing to fix this problem they are in violation of federal law and bneeds to be held accountable
Product: Credit reporting or other personal consumer reports

XXXX deformation of my character on their report to the experian and other agencies. 

XXXX can not provide any falsified documents they lied against after wrongful termination. 

They XXXX XXXX XXXX letter to me after their investigation stated that my termination was not due to any misconduct at work. 

XXXX declined filling out a form from Texas Human health Services the reason for work separation I reported XXXX XXXX incident that occurred on XXXX XX/XX/year> against me by XXXX manager they found him guilty and choose to terminated my under another disguise and stated it was accidentally.

The claimed on XXXX XX/XX/year> they found no violations and after termination on XXXX XXXX on mutiple beverement which was not true as they coded certificate of fitness on the said date and a case no showed i do not have mutiple beverement i had screenshots was deleted by XXXX investigator i sent the screenshot.

they same XXXX XXXX XXXX investigator wrote me on XXXX XX/XX/year> that she had found violations. 
They XXXXXXXX XXXX  called me in a recorded conversation to inform me of being suspended with pay for my security while they investigate my XXXX XXXX  by the XXXX manager but they lied on they record to stop my future employability.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter asking XXXX, XXXX, and Equifax to investigate my accounts. I have the tracking available at request. It has been over 30 days. These consumer reporting agencies are in violation. In accordance with the fair credit reporting act, my rights have been violated.

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. Also states a consumer reporting agency can not furnish an account without my written instructions.

Furthermore, According to 15 U.S.C 1681i, XXXX, XXXX, and Equifax have 30 days to investigate and send me the results. 

They also didn't record the current status of the disputed information which is another violation. 

I have attached evidence of the letters sent to the credit agencies.