23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

NetSpend is asking me to show all this verification like my bank like my ID my social security card my bank statement To take this block off my car so I can retrieve my funds.
Product: Credit reporting or other personal consumer reports

My Information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items DELETED from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my Equifax credit reports. 
1. INACCURATELY REPORTING XXXX   Account Number : XXXX DELETE IT FROM MY CREDIT REPORT IMMEDIATELY XXXX. INACCURATELY REPORTING XXXX XXXX Account Number : XXXX DELETE IT FROM MY CREDIT REPORT IMMEDIATELY 3. INACCURATELY REPORTING XXXX XXXXXXXX Account Number : XXXX DELETE IT FROM MY CREDIT REPORT IMMEDIATELY 4. INACCURATELY REPORTING XXXX XXXX XXXX Account Number : XXXX DELETE IT FROM MY CREDIT REPORT IMMEDIATELY XXXX. INACCURATELY REPORTING XXXX XXXX Account Number : XXXX DELETE IT FROM MY CREDIT REPORT IMMEDIATELY 6. INACCURATELY REPORTING DEPTEDXXXX  Account Number : XXXX DELETE IT FROM MY CREDIT REPORT IMMEDIATELY 7. INACCURATELY REPORTING XXXX XXXX Account Number : XXXX DELETE IT FROM MY CREDIT REPORT IMMEDIATELY 8. INACCURATELY REPORTING MIDLANDCRE Account Number : XXXX DELETE IT FROM MY CREDIT REPORT IMMEDIATELY 9. INACCURATELY REPORTING XXXX XXXX  Account Number : XXXX DELETE IT FROM MY CREDIT REPORT IMMEDIATELY 10. INACCURATELY REPORTING XXXX  Account Number : 1956 DELETE IT FROM MY CREDIT REPORT IMMEDIATELY Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 XX/XX/2018 I am  not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Friday, XX/XX/XXXX, I made a purchase at XXXX XXXX in XXXX XXXX, Pennsylvania. The cashier asked if I wanted to open a credit card. I told her that I did not, but that my husband had one. She informed me that she could look up his card using my information. She requested personal information, which I gave her under the assumption that she was looking up my husband 's card, NOT submitting an application for me. 
She did, in fact, submit an application for me, which I was informed of as soon as I left the store ( credit monitoring service email notifications ). I immediately called the store, and the manager told me that because I had willing given my personal information, there was nothing he could do.

I then contacted the corporate office, as I felt this was improperly handled. I was transferred to the fraud department, where I was told they would contact the credit reporting agency and have the inquiry removed from my report within 10 business days. It has been 15 business days, and the inquiry is still on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts 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 XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX sent me a letter ( attached ), stating that I, XXXX XXXX, requested a Fraud Alert be placed on my Credit Report ( s ). I DID NOT request any type of alert or block to be placed on my credit. Further, I did not ask XXXX to notify TransUnion or XXXX of any such thing. This Alert/Block is damaging my ability to do things like get utilities in my name - I am a XXXX Veteran and this hinderance is actually life threatening for me. REMOVE all such Alerts/Blocks on my Credit IMMEDIATELY - thank you. I have sent this in written correspondence as well to all 3 Credit Agencies, along with Proof of my Identity and Address.
Product: Credit reporting or other personal consumer reports

SS # : XXXX XX/XX/XXXX Re : CFPB- TransUnion Expedite Complaint : As per the guidance from the Consumer Financial Protection Bureau XXXX CFPB ), and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- 1002.412 ( b ) ( 7 ).

I have provided my photo ID along with the other required documents.

I kindly request that you block this information from my credit reports within 4 business days, pursuant to section 605C of The Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the law which I have provided all my documentation as well as victim determination letter according to 1002.142 ( b ) ( 6 ).

I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be BLOCK AND DELETED COMPANY TRANSUNION LLC. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a current copy of my credit report and I show inaccruate payment information to home loan account CALIBER account number XXXX. This account has always been paid on time as agreed and never late. I have contacted creditor and credit bureaus to advised that no such late payments have been made. I am having trouble with send in dispute to have this updated for review.
Product: Credit reporting or other personal consumer reports

I am writing to express my outrage regarding the continued reporting of inaccurate information related to the XXXX XXXX XXXX XXXX, which you claim was opened on XXXX XXXX, XXXX and sold to XXXX on XXXX XXXX XXXX XXXX. Despite multiple disputes, this matter remains unresolved, and I demand immediate action. 
Under the **Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681c ( a ) ( 4 ) **, negative information must not be reported for more than seven years from the date of first delinquency. Additionally, under **15 U.S.C. 1681i ( a ) ( 5 ) ( A ) **, information that can not be verified or is inaccurate must be promptly deleted from my credit report.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payment on the dates below : Inconsistent dates below- 30 days late as of XX/XX/2018 ( XXXX ) 30 days late as of XX/XX/2018 ( XXXX  and XXXX ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.
Product: Mortgage

I will continue to file these complaints until this company and its affiliates stop the harassment of foreclosure on property where there has been NO payment missed. 

Lender doesn't seem to understand the rules of engagement and the law that provides and this company and its affiliates do understand because it allowed for principle to be paid and then it removed the option. 

The principle will continued to be paid. Lender can charge all the fees it wants but it can not foreclose on a home. 

Requesting CFPB do a full investigation and send these illegal practices to the appropriate agency. 

Supreme Court Ruling was provided in XXXX that this entity seems to ignore and feels it's above the law. not.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX and XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX
Product: Mortgage

XXXX  My Mortgage was refinanced by Wells Fargo Home Mortgage five years ago.
XXXX.  I make my payments at the bank branch which was opened close to my home.
XXXX  The bank receives the payment but sometimes the payments are not applied immediately to my mortgage account.  
XXXX  My bank on which my check is drawn pays Wells Fargo Home Mortgage the check on the same day that it is presented.
XXXX  Although the Mortgage Note states that I can pay by the XXXX of the month without incurring late charges, I have multiple late charges posted to my account;  even though I have made only XXXX late payment.
 XXXX.  One month I could not make payment at the regular scheduled time.  Payment was made XXXX of that month.
XXXX  I have asked Wells Fargo Home Mortgage to waive the late charges that were caused due to their banking system's posting of my payments.
XXXX.  I have through several telephone calls requested that the late fees be waived.
I want to also state that the paper on which Wells Fargo Bank prints its receipt for payments received is either light or heat sensitive because after time has elapsed, the ink fades.  This affects how the customer can validate the statement which shows the bank being in receipt of the funds, but said funds not posted to the mortgage account.  Hence incurring late fees unnecessarily.
Product: Credit reporting or other personal consumer reports

There are XXXX derogatory / inaccurate items on my credit report that I Disputed with Experian. It shows that there is a First and Second ( XXXX ) mortgage that was " Discharged '' during bankruptcy however this is not accurate as both of these mortgages were paid off. I uploaded payoff documentation from the Title company but I do not see where Experian corrected this faulty reporting after receiving proof of payoff. Further, Experian sends me correspondence that says " Investigation is Complete '' however when you read my credit report it just says " Pending ''. How can something be " complete '' if it is still " Pending ''??? THat makes no sense ... .Experians XXXX # was an exercise in futility ( as usual )
Product: Payday loan, title loan, or personal loan

I currently am trying to find a new job after losing my first one. Since then I have not been able to pay my loan and I have explained this. I am being harassed constantly by gold star finance. XXXX XXXX comes to my house embarrassing me in front of my family and friends telling me I need to come in and see her. I also have been receiving several phone calls and left several voicemails everyday from gold star. I'm just sick of it. They threatened to come take my belongings as collateral and damage my property to do so. It's very depressing. When I get the cash I can come pay them. Other than that I really wish they would stop harassing me. It makes me want to just end it. I can barely pay my Car note. This Is a small town with XXXX employers and they won't hire me anywhere. Ive been trying to move so I can pay my bills but I have no gas money to keep driving. The XXXX all starts with losing my job then being harassed by loan companies. I hate my life because of this.
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, CashbApp failed to take timely, 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, credit repair services, or other personal consumer reports

This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

I am writing this letter to dispute the following accountsXXXXXXXX XXXX XXXXXXXX XXXX Account numberXXXX. XXXX XXXX XXXX Account numberXXXX XXXX. XXXX XXXX XXXX Account numberXXXX XXXX. XXXX XXXX XXXX Account numberXXXX. XXXX. XXXX XXXX XXXX Account numberXXXX. XXXX. XXXX XXXX XXXX Account numberXXXX 

This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Thank you, XXXX XXXX
Product: Credit card or prepaid card

Since XX/XX/XXXX I have my XXXX XXXX XXXX and I made monthly payment to pay my bill at XXXX. I should be receiving XXXX Dollars ( this is the reward program XXXX XXXX has ) but today is XX/XX/XXXX and I'm not able to see and redeem my XXXX Dollars. When I check my account it says that I have {$0.00}. But when I check all my statements I should have until today an amount of {$68.00} XXXX XXXX. But I can not see them anywhere and I'm not able to redeem them anywhere neither.
Product: Credit reporting or other personal consumer reports

I found out last year, approximately around XX/XX/year>, that there was jobs from XXXX and XXXX that I have never been employed with or paid by. It has that I received money and didn't pay taxes. I made a police report because my identity was stolen. I don't have credit cards and under my name is a lot of companies. My information also has been leaked during numerous data breaches from a few places. My old doctor office in XXXX pa XXXX, called XXXX XXXX  XXXX XXXX. It also happened from places doing background checks on me for employment. It also happened from XXXX XXXX I've now been sued, in so much debt and the people calling me to try and collect payment and they haven't been any help. The companies where these breaches have leaked my information haven't offered any assistance. I heard about when our information is leaked during data breaches, that we are supposed to have everything removed from our credit report within 30 days. I can't get any help. Are you able to please help me?
Product: Credit reporting or other personal consumer reports

I was just able to take a look at my credit report, and am stunned and I couldnt believe my eyes when I saw all of these mistakes in reporting! 

Please investigate and take a look at these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I don't know why these companies are putting this on my credit report.I have never been delinquent on my payments with any of these people. When I called them they said I needed to just dispute it with you. 

I need you folks to fix these accounts. In the meantime, I may be denied based on all of this. Ive already tried two places. Please don't leave it this way I need your help! The above accounts should be reported as positive standing I thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting onmy credit report which is a violation of FCRA. The Bureaus failed to comply with FairCredit Reporting Act, 15 USC sections 1681i within the time declared by law, they failedto properly investigate the matter by using a third party as their verification provider andhave continued reporting the unconfirmed & unverified information. Given all myattempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent andnon-complying with federal statutes & I need this matter handled immediately. Pleaseremove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX, GAXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$700.00} ; XXXX XXXX XXXX XXXX XXXX {$1200.00} ; XXXX XXXXXX/XX/XXXX ; Original Creditor : XXXX XXXX ) XXXXBalance : {$26000.00} ; XXXX XXXX Balance : {$4600.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

inaccurate information reported to the credit bureaus, FTC violation, submitted the FTC report to all 3, Sent PO report already, more than 45 days
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 SECTION 602 A. States I have the right to privacy.

15 U.S.C 1681 SECTION 604 A. Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions. 




I sent dispute letter on XX/XX/2023, pertaining to discrepancies reported incorrectly and XXXX, TransUnion and XXXX have yet to correct the following issues. Please I need help as this is affecting and holding me back from purchasing a new home. 
report # XXXX XXXX XXXX XXXX I have also sent them letters asking how the validated the information was correct and have yet to receive a response. I asked them to remove any names and addresses that are not associated with the documents I have attached for reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax is governed by 15 USC 1681, and they violated my rights numerous of times I demand the accounts listed below to be removed because According to 15 USC 1681 : I have the right to privacy and I do not give Equifax permission to furnish these accounts. 

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
Product: Credit reporting or other personal consumer reports

I have an account on my credit report that is closed and shown as charged off with a balance due of {$13000.00}. This is by XXXX XXXX XXXX XXXX Per XXXX XXXX, my account was issued a XXXX for debt cancellation, but the account balance still shows {$13000.00}. It has not been updated to {$0.00}. XXXX XXXX XXXX XXXX not let me settle the account balance with them as they have already issued a XXXX, and they still will not update my balance to {$0.00}. So I am stuck here with no other options! As of XX/XX/2024, the balance on my credit report still shows {$13000.00}. I have also filed disputes against this with all XXXX credit reporting agencies still yet to hear back. XXXX did get back to me ( XXXX ) but did not actually resolve anything. That is why I am escalating this to CFPB to step in to help me get this resolved. I can not apply for mortgages as it still shows a balance and causing my credit utilization ratio to go over 70 % due to such a high of a balance, and I can not resolve this with the company either as they already issued me a XXXX. 

I have attached my credit report for reference and I also did file a complaint with XXXX XXXX XXXX XXXX well but I want this fixed on my credit reports as well.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfil its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputing information on my credit report, leaving inaccurate or unverifiable account unresolved.The consumer financial protection bureau experian 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, Theses failures align with my experience, where experian has neither corrected nor removed dispute accounts as Experian inaction violates federal law and my rights as a consumer
Product: Mortgage

Promissory note separated from deed at the closing XXXX, invalidating secure transaction status ( unenforceable debt ). XXXX bank original servicer changed loan number XXXX weeks before transferring servicing to Nationstar XXXX. Nationstar created an entire new ( illegal ) loan with this new loan number and began servicing. On XXXX Nationstar recorded a fraudulent forged assignment at XXXX XXXX recorders office, and in XXXX bankruptcy court to facilitate foreclosure proceedings. Nationstar once again created a new ( illegal ) loan as shown on the ledger. Attorney for Nationstar foreclosure firm XXXX XXXX XXXX is directly involved with this fraud, and can be proven. I also have evidence of a possible forged promissory note. Separate complaints are to be filed on the XXXX attorneys that filed the forged assignment. The document company that produced the forgery is XXXX XXXX XXXX in XXXX XXXX, XXXX and has also already had sanctions filed by regulators. I have documentation available for your inspection upon request. Nationstar loan # XXXX