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

On XX/XX/XXXX I submitted a complaint through this venue directed at Experian for inaccurate and fraudulent information that continues to report on my credit report with Experian. 

Additionally, I called and spoke with Experian 's Fraud department to confirm that hey had indeed received my attachments of my driver 's license 's and first two pages of my previous and present lease agreement 's to further validate my disputes. They instructed me that not only had they not received any of these documents, but they would not be able to see said document 's. I find this disheartening to say the least. I have multiple things reporting on my credit that are either inaccurate or fraudulent ( not mine ). 

Once I received the results back from my previous disputes on XX/XX/XXXX ( Report # XXXX ) all of the results had been completed and updated which I find discouraging. First off, how is that possible that every one of my disputes with these companies come back on the same day with the exception of my inquiries and one account with XXXX? While I understand that inquiries for examples are totally separate than accounts etc., I do know that these companies that re reporting on me that are not mine have absolutely no way to prove that they are mine. I have submitted documents over and over and over again that clearly support my stance, yet they continue to report on my credit. 

Bottom line, the accounts that I am disputing yet again are certainly not mine and I would be extremely grateful if whomever is responsible for leading this investigation to please do their due diligence accordingly. For example the ( 2 ) XXXX XXXX collections both of which were not mine as I wasn't even living in those states at the time these accounts/collections were even established. 

Thank you kindly,
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted the attached police report to all  XXXX  credit bureaus notifying them that I was a victim of identity theft and that the   XXXX   XXXX   XXXX   account ending in  XXXX  that was reported as a charge off on my credit report with a balance of {$1500.00} was the result of a stolen credit card. I asked that this account be immediately removed from my credit file ; however, both Equifax and   XXXX   have refused to remove stating that   XXXX   XXXX   XXXX   has confirmed that the charges are correct. I have attempted to follow up with   XXXX   XXXX   XXXX   directly but every time I call in I am given the run around. Numerous agents have confirmed that not only are the charges fraudulent but nearly 75 % of the balance that is being reported is the result of their own late fees and interest charges assessed after I initially alerted them to the fraud on my account back in   XXXX   XXXX  . It is my very strong belief that this balance is an attempt by   XXXX   XXXX   XXXX   to extort money from its customers and that the resulting charge off was an act of retaliation by   XXXX   XXXX   XXXX   as I have refused to pay any and all of this {$1500.00} balance. As evidence of this fact, since closing the account in   XXXX   XXXX  ,   XXXX   XXXX   XXXX   has refused to further investigate the fraud claims made on this account, even porting the account balance ( without the actual transaction  history ) to another  account number in order to mask the poor account management that has taken place here and continue to report this account to my credit report after I provided documentation with the credit reporting agencies as proof of the fraudulent activity on this account. Further, through the end of  XXXX    XXXX   XXXX   XXXX   management refused to answer any of my numerous inquiries and attempts to remove this account from my credit report. Again as evidence of this fact, I filed a   XXXX   XXXX   XXXX   complaint in   XXXX   XXXX  , which also went unanswered.
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 inconveniences and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

We have been trying to sell a property since XX/XX/XXXX. We have a motivated buyer willing to pay in cash. We have submitted all the documents to Ocwen and have received a conditional letter of approval. Meanwhile it is now XX/XX/XXXX and Ocwen has n't given us the approval for sale yet they have everything asked for. They have made no effort to contact us regarding the sale but call to harass four to five times a day to collect the debt. No one at Ocwen knows anything but have started foreclosure proceedings on the property that 's waiting to close on by them stalling.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft CAP ONE AF Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft CAP ONE AF Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft CAP ONE AF Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

10.  Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft CAP ONE AF Date of inquiry : XX/XX/XXXX This is not mine. 

12. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

13. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

14. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

15. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

16. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

17. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

18. Identity Theft XXXX  Account Number : XXXX This is not mine. 

19. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

20. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

21. Identity Theft Account Number : XXXX This is not mine. 

22. Identity Theft Account Number : XXXX This is not mine. 

23. Identity Theft XXXX XXXX XXXX XXXX IXXXX XXXX Account Number : XXXX This is not mine. 

24. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

25. Identity Theft XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  Credit reporting agency is reporting that I owe {$170000.00} for Carrington Mortgage. The balance that XXXX  is reporting is incorrect. The balance for Carrington Mortgage should be reflecting {$93000.00}. Please investigate XXXX  for reporting the wrong credit information for Carrington Mortgage. Please update my credit report and credit score.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX ( last month ), Experian reported an incorrect late payment and or missed payment on an account that was closed and paid in full. In other words they reported a false late payment on an account that had no balance and with a closed status. 
The account was from XXXX XXXX XXXX cards. The last activity that was reported by XXXX XXXX was in XX/XX/XXXX. There should be no other activity on the account.
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
Product: Credit reporting or other personal consumer reports

15 U.S.C 1681 Fair Credit Reporting Act My data was hacked in a data breach
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I am lodging a complaint against TD Bank XXXX AND XXXX XXXX NMLS : XXXX. My loan ( # XXXX ) was denied because of my credit profile. However, the XXXX credit report shows a score of XXXX out of a possible XXXX with nearly zero debt. Additionally, the underwriter assigned to my loan was negligent during their investigation with poor attention to details as they had requested multiple times for information that had already been provided, including repeated requests for items like the Escrow Analysis statement for subject property of which the underwriter had been informed ( on multiple occasions ) DOES NOT EXIST as the property has no mortgage currently. These and other oversights plus the fact that the underwriter took over 4 weeks to attempt to interpret my tax returns had left me with with suspicions of discrimination and concerns with the underwriters ability to fairly determine my eligibility. I brought these concerns to XXXX XXXX on XX/XX/19 when he agreed that the underwriter had estimated my income incorrectly. XXXX then stated he would look in to it and get back to me in a day or two. Over the following month I had called XXXX multiple times with no return phone call. TD Bank was unresponsive to all requests for information and ultimately denied my loan under a faulty premise via an UNSIGNED statement of denial. I can provide supporting documents.
Product: Credit reporting or other personal consumer reports

I was completely stunned to see incorrect accounts suddenly appear on my credit report this evening. I have no clue why this is happening. I always check my report, and everything has been fine until now. Thinking it was just a technical issue, I refreshed my browser, but nothing changed. The errors were still there. This is very concerning, and Im asking for a thorough review of the documents I submitted so I dont have to deal with this stress again.
Product: Debt collection

XXXX XXXX XXXX - posted an account in collection on my credit report and individuals SSN does not match to my SSN or previous address.
Product: Debt collection

This statement is not new, just an update. Years ago I wrote about the foreclosure on property that was mortgage. I also explained how the mortgage company lied and falsified documents. Now, here we are in 2013, and I still have the same problem. No attorney will help, but that 's ok. I am in a different phase. At the time of requesting help, the house was livable, now it is falling apart and still, no help. I have XXXX situations and need directions. First, the house deed is not in my name, went to court, judge ruled in my favour that I could not by evicted from property and not to pay rent. Second, it have been some years and because this house is not in my name, no work was allowed, not even a roof after the hurricanes past through. Now here is where I need some advice, the address that was mortgage is a vacant lot, but the house sits within the perimeters. In other words, I pay a light bill and water bill where a house should be but is not. It is a vacant lot. Now, I have not heard from Chase bank who foreclosed on the property over XXXX years ago. At one point they would send someone out to check on the property ( house ) that they believed they purchased and cut the grass. But that soon stopped. After that, there was a call from an attorney in the XXXX XXXX area that called to ask me questions concerning the signature of a family member that was not notified about any of the court proceedings that lead up to the foreclosure. He said, no wonder this file was sent to me, who is XXXX, and why her name is not on these papers. I told him the long story of what happen and that was the last time I heard from anyone. I do n't know what my options are, just puzzled. The electric and water bill is affiliated with the house, is not the address on the bill. The vacant lot do not have a house on it, but that is the address where I pay to have service. Please help. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00XXXX XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I previously disputed ( case # XXXX ) a collection account reported by XXXX XXXX XXXX XXXX XXXX ) on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, furnishers of credit information must provide complete and accurate reporting. 

XXXX has failed to validate this debt within the legally required timeframe. Since XXXX has not provided proof that this account is mine, they are knowingly reporting inaccurate information, which is a violation of the FCRA.
Product: Credit reporting or other personal consumer reports

Many times I've mentioned being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the consumer 's identity ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of such information; and ( 4 ) the consumer 's statement that the information is not information relating to any transaction by the consumer. 
XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXX Balance : {$2700.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2700.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2100.00} ; XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have provided multiple letters from the department of Ed regarding the process of my case. I have reported this issue to the Cfpb once before back on XX/XX/XXXX and my case was closed and never heard anything from anyone. I just received a call from the department of education since I have filed several complaints about the department of education, XXXX, borrowers of defense, the ombudsman department, and now XXXX regarding my loan discharge. I was part of a lawsuit against XXXX XXXX and I was approved 100 % - full loan discharge since XX/XX/XXXX. XXXX of my loans were discharged but the other XXXX XXXX refuses to investigate. Now my loans were transferred to XXXX in XX/XX/XXXX and Im having more problems with the reporting of my loan to the credit bureau. All My complaints are being deleted from all the different portals and my account is still not being resolved.
Product: Money transfer, virtual currency, or money service

Bank of Americs lied and said the transfer was done on XX/XX/XXXX. Then they lied and said the server wasn't working. As of now they are requesting another {$1500.00} before making the transfer. Each time it has been about more money and why I pay I still don't get nothing from them. This bank needs to be shut down becsuse they make up rules to take your money. I am about to lose my car becsuse of the bsnk lying. Please get back with me.
Product: Debt collection

Hello, This is a direct dispute of credit reporting. This is not a request for debt validation/verification under FDCPA 809 ( b ).

After reviewing my credit report I have found that XXXX XXXX  purchased 2 debts from XXXX XXXX  that I do not owe. XXXX is reporting 2 inaccurate accounts and information to the credit reporting agencies regarding my account. I have disputed the debt multiple times to no avail. I have sent multiple letters of debt validation and have not received any definitive proof. I did not open these accounts that were purchased. XXXX XXXX is not reporting on any of my credit reports across any agency. I never signed anything or submitted my information to go into contract with either of these companies. I am attaching a copy of my XXXX  credit report for your review.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate deletion of the account referenced below from my credit report due to violations of the Fair Credit Reporting Act ( FCRA ) : Account Name : XXXX XXXX Account Number : XXXX The basis for this request is that the information you have furnished to the credit reporting agencies is inaccurate and/or unverifiable, and as such, it should not be included in my credit report in accordance with the FCRA. Specifically, the following violations have occurred : 1. **Failure to Provide Accurate Information ( 15 U.S.C . 1681s-2 ( a ) ) ** : The information you reported is inaccurate and has not been corrected despite my previous disputes.

2. **Failure to Reinvestigate Disputed Information ( 15 U.S.C . 1681s-2 ( b ) ) ** : You did not properly reinvestigate the disputed information as required by the FCRA.

I am formally notify you of several serious issues regarding m
y account, specifically your failure to provide the required Form 1099-C, as well as violations of both tax regulations and the Fair Credit Reporting Act ( FCRA ).

**Failure to Provide Form 1099-C** Under 26 U.S. Code 6050P, you are required to file a Form 1099-C with the Internal Revenue Service ( IRS ) and provide a copy to me when you cancel a debt of {$600.00} or more. Despite the cancellation of my debt, I have not received this form from your company. This failure to comply with IRS regulations constitutes a serious violation and can be considered tax fraud.

**Violation of Tax Regulations** Your failure to issue a Form 1099-C as mandated by 26 U.S. Code 6050P is a violation of federal tax law. This omission prevents me from properly reporting my income to the IRS, which may expose me to potential penalties and interest for underreporting income. Additionally, it constitutes tax fraud under 26 U.S. Code 7206, which addresses fraud and false statements. **Violation of the Fair Credit Reporting Act ( FCRA ) ** Furthe
rmore, your actions are in violation of the Fair Credit Reporting Act, codified at 15 U.S. Code 1681s- 2. This section requires furnishers of information to provide accurate information to credit reporting agencies and to correct any inaccuracies. Your failure to provide accurate information, including the status of my debt, has caused inaccuracies on my credit report, which negatively affects my creditworthiness.
Product: Consumer Loan

I leased a XX/XX/XXXX XXXX S60 through U.S. Bank. The lease end date was XX/XX/XXXX. I returned the car to the XXXX dealership, as instructedXX/XX/XXXX. Nonetheless, U.S. Bank debited by checking account for a lease payment XX/XX/XXXX, even though the vehicle was returned and the lease was current, with no money owing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/22 i got alert from XXXX  saying a had account added to collection for XXXX this account is absolutely fraud the name is similar and address is only similar in XXXX this is not my account XXXX XXXX XXXX knows this account needs to be removed immediately I have filed police report and ftc report I also have obtain lawyer
Product: Money transfer, virtual currency, or money service

I was scammed through XXXX Someone hacked my account and took my whole social security check On XX/XX/2022 someone added a unauthorized person to my XXXX Account and withdrew XXXX my whole Social Security check through my Bank Of America App. 
Bank of America Denied my claim!!!!!!!!! 
They are saying the transaction came from my phone and that I authorized this transfer which I didnt at all. 
Im a XXXX yr old senior citizen and been with BOA over 25 yrs and These people will not cover this claim!!!!!!!! This is Unbelievable and Disgusting as a institution they dont cover XXXX yet they Own it!!!! I am now facing Hardship with my rent as Im unable to pay my Monthly Bills
Product: Credit reporting or other personal consumer reports

I have tried to resolve this matter with the following companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and all 3 credit bureau. Some for a few years now and these accounts have not been removed. 

So as of XXXX XXXX 2024 this is my CEASE AND DESIST NOTICE TO ALL THE CREDITORS and EQUIFAX, XXXX, AND XXXX THAT I REFUSE TO PAY THIS DEBT, UNDER 15 USC 1692C.