23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have repeatedly disputed several accounts on my credit reports through the credit bureaus ' apps ( XXXX, XXXX, and XXXX ). The disputed accounts are as follows : XXXX XXXX ( XXXX - OH XXXX. XXXX XXXX ) Amount : {$780.00} Date Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} Date Reported : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX  XXXX Bank XXXX XXXX : {$600.00} Date Reported : XX/XX/XXXX Pro XXXX XXXX  Amount : {$6900.00} Date Reported : XX/XX/XXXX Despite disputing these accounts multiple times, the only response I have received from the credit bureaus is the generic statement : " The collection remains. '' No evidence or documentation has been provided to verify the accuracy of these accounts or substantiate their validity. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to conduct a reasonable investigation and provide specific details about the sources of their verification. The repeated, vague responses I received fail to meet these legal requirements. 

I believe these accounts are either inaccurate, unverifiable, or should no longer be reported. I am requesting the CFPB 's assistance to : Ensure the credit bureaus conduct a proper investigation and provide specific verification of these accounts, including supporting documentation. 
Require the removal of any accounts that can not be properly verified. 
The lack of meaningful responses from the credit bureaus has caused unnecessary harm to my credit standing. I seek resolution to ensure that my credit reports are accurate and in compliance with federal laws
Product: Credit reporting, credit repair services, or other personal consumer reports

A federal tax lien of {$5000.00} filed on XX/XX/XXXX with ID # of XXXX by XXXX XXXX County Register in the State of California. 
A federal tax lien of {$5000.00} filed on XX/XX/XXXX with ID # of XXXX by XXXX XXXX County Register in the State of California. 
Both were discharged thru Chapter XXXX Bankruptcy. Both lien holder failed to file a proof of claim during the Bankruptcy Court hearing. 
Therefore these liens were both discharged.
Product: Credit card

Closed my account while I was going through a financial hardship, when I stayed consist with paying on time since I opened the account. 
Status Closed. {$120.00} past due as of XX/XX/year>. 
Status updated XX/XX/year> Balance {$330.00} Balance updated XX/XX/year> Recent payment - Monthly payment {$25.00} Credit limit {$300.00} Highest balance {$460.00}
Product: Debt collection

I received an email from XXXX that stated a new negative/major derogatory activity has appeared on my credit report. 
The name of the collection agency is Midland Credit Management XXXX XXXX ) XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Michigan. XXXX The amount that they claim I owe them is {$190.00} I called Midland and spoke to XXXX XXXX. I asked what this is about. 
He said I owe this amount from something to do with XXXX. 
I called XXXX this morning, they said my account is perfectly fine. No issues. 
Mr XXXX said they were handling the collection and that they bought the XXXX Acct that is no longer open. I spoke with XXXX this morning and they said that XXXX XXXX is somehow involved in this. That they did not see anything about XXXX. I have only had XXXX XXXX Account, and still have it.
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  These accounts have resulted XXXX 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

On XXXX XXXX I sent a letter to the credit agents requesting for them to update the inaccurate information on my credit report. They are reporting late payments on XXXX different accounts. I have not received any letter of method of verification. Due to these accounts were not update they violate FCRA, they are in violation of the law. 
These violations include but not limited to : 15 USC 1605 15 USC 8 15 USC 1692j I am frustrated because these accounts should be updated, and they are impacting my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent out a certified letter to XXXX requesting there method of verification involving a bankruptcy they are reporting on my credit report. They later reply back with a letter stating that they was reaching out to the source they verified the bankruptcy with and they will send me the information that i requested. This investigation has took more than 30days and I am furious. I have file multiple conplaints about this company involing the same matter that you can see Thur my pervious complaint history. On XX/XX/XXXX i sent XXXX a letter requesting their methods of this same bankruptcy they replied back with a letter stating they verified the bankruptcy with the courts. That was falsify I sent them my letter from the courts stating they don't report bankruptcies to the credit bureaus .Under the FDCPA action 807 this is misleading false reporting I demand that this account be deleted immediately or i will file litigation due to the stress they have cause me. This company has pervious lied about information they are reporting on my credit report and can not produce the information i am requesting there for this account should be deleted immediately i have been more then patient for there response but its clear to see they don't have the information that i am requesting and they a prolonging this matter which is affecting my credit tremendously. Under the FDCPA act inaccurate unverified information must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am displeased that you included the following information in my consumer report and that you have failed to maintain reasonable procedures in your operations to ensure the highest level of accuracy in the consumer report you publish. this grave error has damaged my confidence in your companys procedures, and because of this I will no longer be extending credit, and I will not be extending my consumer credit and if this information is not removed, I will no longer want my information reporting in your companies database. The reasonable procedures listed in the affidavit herein were not followed and this is a violation of the FCRA ( Fair Credit Reporting Act ). I have the right to privacy and the right to know where and how to direct the disclosure of my nonpublic information. I, the affiant, have the right to privacy and the right to know where and how to direct the disclosure of my nonpublic information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Hello ; I received a notification from Enhanced Recovery Company LLC for a delinquent account that is not mine. I am disputing the debt however, I undesrtand that ERC does not respond with nonverification of the debt and pursues to have the the debt posted to on one 's credit line.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce 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 redres-for these violations.
Product: Debt collection

EOS CCA ( XXXX XXXX XXXX, XXXX, MA XXXX ; Ph : XXXX ) sent me a letter on XX/XX/XXXX stating that I owe {$49.00} to XXXX, and they are a debt collector company acting on behalf of XXXX. I called and spoke to their customer service agent XXXX XXXX on XXXX XXXX at XXXX XXXX EST. The details mention that I opened XXXX internet and cable connection in my name and social, and I owed {$49.00} since XX/XX/XXXX. The address on file was not known to me, when the XXXX connection was originally initiated, and it is in a different state ( XXXX, NY ). Honestly, I never opened an account with XXXX and this company demanded I file identity theft police report, and hand it over to them to dispute the charges. I do not understand how this company operate, and so I would like to start an investigation in this matter since my SSN in now compromised per letter from EOS CCA. I would be willing to submit any documents or proof that will help with this investigation.
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( XXXX ) Appropriate identity documentation ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the customer 's identification of the pertinent data ; and ( XXXX ) a customer declaration indicating that the data is unconnected to any transactions. 

XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$17000.00} XXXX XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX Balance Owed : {$740.00} XXXX  XXXX Balance Owed : {$5500.00} XXXX XXXX XXXX Balance Owed : {$830.00} XXXX XXXX XXXX Balance Owed : {$44.00} XXXX  XXXX XXXX Balance Owed : {$16.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Experian along with XXXX has been reporting a Bankruptcy on my credit report. I had been disputed this snice 2017, and since XXXX has deleted this report, while Experian and XXXX refused to do so. I have requested the investigation results on each time I have disputed this information an have yet to receive them. Experian and XXXX stated that the bankruptcy has been verified through the courts, bankruptcy courts do not report bankruptcy cases directly to credit bureaus. Experian and XXXX has violating my rights by failing to do a proper investigation. This has since been hurting my affecting my credit and my abilities to move forward.
Product: Mortgage

I have reported inquires to all XXXX creditors on my credit reports. They said if you believe that identity thief is being used from these credit inquires to contact them. I have too many inquires on my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting this account on my credit report Account # : XXXX ... XXXX have no idea what this account is even from ... i have asked for them to investigate it as well as all 3 credit bureaus and it comes back as verified everytime ... .I know they are not conducting a proper investigation into this as i see inaccurate reporting in the reporting ... ..the account is reporting as an open account and also a charge off ... it common sense tells me that it can not be both ... .i have attached a copy of the reporting for your viewing pleasure ....
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am a victim of identity theft. I am sending this so that i may have the fraudulent accounts removed from my Experian credit report.
Product: Debt collection

They call from various numbers. When I answer they hang up. Once when I did talk to someone I was told they would be filing a lawsuit against me. So I asked them to send me something in writing and the have yet to do so. But, I keep getting these calls with no one at the other end. 
Here are the numbers : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

1. On XX/XX/2020 Mr. XXXX XXXX NMLS XXXX contacted me to offer a reduction on my interest rate without a credit inquiry or documentation. I complete some information and signed what it was sent to me after I received documents to sign from XXXX XXXX XXXX title company. I was instructed not to pay XXXX and save it because like half of my monthly payment will be use towards closing. Time passes by an no words from the company. I called several times and Finally I spoke with XXXX XXXX.I explained to her and she told that the file expired but she can take a new application, I accepted and she offered a better interest rate actually 3.00 %, completed everything and to the same title company, time Past by and then I received a letter saying that I was past due on my payment. 
I called, explained and the Associate told me that in order to proceed and set up the closing I have to pay so I pay immediately two months XXXX that it was already late and XXXX. After Ms XXXX XXXX contacted me and ask me for a copy of my bank account statement and then a letter explained why my ex-wife was on my account, I did that immediately. Here was XXXX and a complete silent. Early on XXXX someone called me and told me that the closing was on XX/XX/XXXX XXXX : XXXX in my residences de that a notary will contact me with the amount I need to bring for the closing.Here is XX/XX/XXXX no body reach me so I called the notary person and he told me dont know the figures yeah. I called again near XXXX : XXXX and the notary told that just got the closing package and the amount to the closing over {$4000.00}. It was a huge surprise to me because I was told something about {$1700.00}. Obviously I wasnt prepare for that amount. So the title company contacted me and told me that the will send an urgent note to the Freedom Mortgage to contact me ASAP and never happened. I had been calling several times waiting for hours and the people I finally speak with the seems to not know nothing and not help at all. I doy know what happened with that Loan process, I have a late fee and most important I was reported to the credit bureau for late payment. I am asking the company to remove that late payment from the credit bureau as well to reimburse me the last late fee because I never asked to refinando I follow the instruya de not to pay. I need your help becau I Dont know to who I can talk in that company that gave some kind of understandable answer. The company again is Freedom Mortgage and my loan number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has not updated my report like Exeter requested them to last year. The company reached out to me and stated they have sent updated info to the credit bureau. My account was never late was paid as agreed.
Product: Credit reporting

I paid off my XXXX XXXX XXXX account. The XXXX 2015 block shows closed, but the XXXX block shows 30 days past due even though the account was already paid in full by then. They then showed XXXX and XXXX as closed as well. I disputed this with Experian and they replied that it could not be changed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022, to remove these accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint XXXX & I am including it again. Please do immediate action regarding this matter. 
XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$520.00} XXXX XXXX XXXX XXXX  Original XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$280.00} XXXX  XXXX XXXX XXXXXXXX Balance : {$14000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX I have struggling with fraud on my personal identity. We got someone in XXXX the file IRS fraud taxes under my and wife social security numbers. Police report was file back in XXXX for identity theft, A other police report was file back in XXXX do to identity theft again. In XXXX of XXXX and XX/XX/XXXX. I got a letter from State of Washington Department of Licensing. That my personal information including SSN, ID, Address, email, full name, date of birth. XXXX exposed do a data breach to their systems. Some account ware open under my personal information. I have a new police report for identity theft I have file with the city of XXXX WA. Now this account is showing on my 3 credit reports agencies XXXX, TransUnion and XXXX, one months ago and it was place back on my credit report. I have disputed this account 3 times now, is not my account this a fraud open in the middle of the pandemic. I have requested to delete this account on my personal credit report do to Fraud and Identity Theft : to TransUnion, XXXX and XXXX to delete this account on all from my credit report and increase my XXXX XXXX to XXXX point how it was in XX/XX/XXXX. On Negative Collection and ChargeOff : ( XXXX ) XXXX XXXX XXXX # XXXX Date Opened : XXXX XX/XX/XXXX Balance : $ {$51000.00} ( XXXX ) XXXX XXXX XXXX # XXXX? Date Opened : XX/XX/XXXX Balance : {$440.00} ( XXXX ) XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$40000.00} XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR XXXX YEARS BEGINNING XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX Balance : {$770.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), as highlighted in the CFPB 's recent administrative proceeding. ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

Accounts include XXXX and XXXX XXXX XXXX XXXX Inquires from XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX account # XXXX Has violated my rights. 

15 usc 1681section 602 a states I have a right to privacy 15 usc 1681 section 604 a states a consumer reporting agency can not furnish a account without my written instructions.
Product: Money transfer, virtual currency, or money service

Please refer to the last complaint XXXX On XX/XX/2023, both myself and the owner of XXXX XXXX showed up at Keybank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX WA XXXX XXXX to get our {$3000.00} dollar back. We worked with the banker there, but Keybank fraud department is unwilling to work with us to get our money bank. Keybank required XXXX bank to recall the funds. Both myself and the sender ( XXXX XXXX ) talked to XXXX Bank on multiple occasions. XXXXXXXX XXXX stated the money transfers were verified and that they can not reach out to Keybank because of their policies. Now I understand that Keybank deemed this is suspected fraud from the beginning, but all misunstandings would have been prevented if Keybank did their investigation and reach out to XXXX to verified the transactions, but the process did not get done. 

We can not help but feel helpless that none of the banking institutions are willing to work with us. These are not Keybank or XXXX money, but they are holding our money without providing working solution. We can not help but feel robbed of our hard earn money. 

Both myself and XXXX XXXX are willing to work with Keybank or XXXX to find a solution. XXXX XXXX is willing to talk to Keybank and provide any information that is required I plead to CFPB to investigate this situation and help us find a solution.