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

Identity theft alert has been placed on my credit reports due to information being shared and stock through data breaches and dark web exposure. There are fraudulent accounts and inquiries listed on my credit reports. Transunion, XXXX, and XXXX have reported accounts that are fraudulent from XXXX.
Product: Checking or savings account

In early XXXX I discovered that my identity had been stolen by a XXXX XXXX in XXXX, XXXX. I looked at my Moneylion bank account, among my other accounts, and discovered that {$990.00} in unauthorized transactions had been made. On XX/XX/XXXX I informed Moneylion of the charges and issued a dispute as well as filing a complaint with the FTC. On XX/XX/XXXX Moneylion closed my account citing DDA, refused to issue any refund for the charges, and refused to send me any copies of my monthly statements that I require for tax and welfare purposes and do not have as they were only kept digitally. I have sent a dispute letter to Moneylion as of XX/XX/23 and they have signed for it and recieved it.
Product: Debt collection

This complaint is consequent to wrongful demand and collection activity reported to major credit bureaus for insurance co-payment arising from incorrect, wrongful, and disputed reporting of medical services and tests provided to me that were performed XX/XX/XXXX by XXXX [ Oregon ] XXXX XXXX, XXXX XXXX, ( " XXXX '' ) ; together with wrongful and damaging debt-collection subsequently entered on my Credit Bureau reports by XXXX 's collection agent Valley Credit Service , Inc., XXXX, Oregon ( " VCS '' )  that began XX/XX/XXXX, and was updated XX/XX/XXXX, by XXXX 's collection agent ~ altogether as attached hereto. 
Both XXXX and VCS have refused to answer, let alone consider, any attendance to my concerns and complaint. 

This unjustified conduct and actions by XXXX and VCS have caused, and continue to cause, specific serious-and-unwarranted damage to my credit standing with consequent reduced or denied credit availability from both existing and new creditors. 

My repeated and detailed written communications to both XXXX and VCS have been ignored by them.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
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

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 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

On XX/XX/2022 I had thought that what was a year and a half battle with XXXX XXXX XXXX which was submitting delinquency remarks from my XXXX XXXX Card was over. I had explained to them multiple times that I am a XXXX ill XXXX patient and was waiting for my XXXX XXXX XXXX XXXX and wasnt working, but they continued to charge interest and wanted to keep the process going of keeping me in debt. I had finally gotten through to them that they had already made a derogatory mark and they needed to stop perusing the ruin of my credit. On that very same date, they deceptively and dishonestly sold my credit balance to a new collection agency, XXXX XXXX XXXX XXXX, and this company has tried to do everything possible to not remove their report, refused to answer any questions, and keep the selling of the bill so it will not ever be removed. XXXX attempted multiple times to get in touch with them and finally found out that it was actually sold from XXXX XXXX, after lying to them multiple times of where exactly they have the connection with me. They also informed them that it was tough luck that he has XXXX, pay up before you leave the bills to your family to tend to. These people have no integrity and are low life individuals that run on pure greed. This company needs to be stopped as they try to ruin peoples credit and then make fun of their situation as their being lied to on where the bill even came from
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Writeup I sent a letter asking XXXX, XXXX, and Equifax to investigate my accounts. Here is my tracking number : XXXX, XXXX, XXXX via USPS. It has been over 30 days. These consumer reporting agencies are in violation. 

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this According to 15 USC 1681i - XXXX, XXXX, and Equifax have 30 days to investigate and send me the results. 

And They also didnt even record the current status of the disputed information which is another violation. 

I have all the evidence attach below.
Product: Student loan

I submitted a loan payoff in the amount of {$170.00}. This was to be taken out of my account on XX/XX/year>. 

Unfortunately, Mohela, once again switched platforms to be under the XXXX of XXXX. I received this notification the day after my payoff was submitted, XX/XX/year>. 

I had a bad feeling that my payoff would not be reflected. But I waited for the transition to the new platform before calling. 

I called Mohela on XX/XX/year>. My payoff amount had not been posted to the designated loan. The new platform didn't show ANY payment history. 

The representative I spoke to was very nice and calm, I didn't have to wait in a queue long. 

I asked what happened to my payment and gave the confirmation number : XXXX The rep told me that the payment was disbursed amongst all of my loans and not just the loan it was selected for. 

He then assured me he was going to move the payoff amount towards just the singular loan I was trying to payoff. 

Here we are, XX/XX/year>. That loan payoff amount was never moved over to that loan. 

The new service site still does NOT show a true PAYMENT HISTORY. It shows the loan disbursement amount/date, and any payments made since the XX/XX/year> switch. 

Don't worry, I hope we can fire MOHELA. I am totally fine and understand I need to payoff my loans. But this utter nonsense back and forth for a year has been unacceptable. 

Do better.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 U.S.C 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of the information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I sent my mom {$100.00} for XXXX XXXX. On XXXX XXXX she went into XXXX XXXX located at XXXX XXXX XXXX, XXXX, SC XXXX to pick up her money and while in the process was told something had happened to their machine so she did not receive her payment from there. She then went to another location and was told the system was showing it was picked up. I have been in constant contact with Western Union since XX/XX/XXXX, I was told it could take up to 21 days to do an investigation. As of XX/XX/XXXX, which is the 22nd day, Im being told now it could take 21-60 days, I have received no information whatsoever other than its still being investigated and Im done waiting. I feel as if the people whom Im speaking with over the phone are giving me the run around.
Product: Credit reporting

I have disputed the Identity theft accounts from XXXX XXXX XXXX ( XXXX ) on several occasions. I have submitted everything they have asked for and more, Police Report, FTC Report ( signed and notarized ) XXXX signature page they sent and requested and my own Signature page. Everything has been signed and notarized. XXXX has taken the stand that I allowed myself to be ripped off and they are not responsible for that, I am the only responsible party. Actually they are the responsible party, they are the ones that should have safe guards in place to protect consumers. I have more documentation if needed. Equifax refuses to remove the negative information stating that XXXX has verified the account information, Equifax has also received all the information. Several times actually. I believe XXXX pays for Equifax 's services so it does n't even really get a fair evaluation. I have submitted legal documents to Equifax and they still refuse to remove.
Product: Credit reporting or other personal consumer reports

I file a complaint because I did not consent to, authorize nor benefit from any of the following inquiries or accounts. 

ACCOUNT NAME : XXXX XXXX INQUIRIES* XXXX XXXX XXXX XXXXXX/XX/year>XXXX XXXX XXXX XXXX XXXXXX/XX/year> EXPERIAN= XXXX All is being investigated by the FTC and CFPB . According to FCRA 605B this information must be blocked immediately until the investigation is over. Since 4 business days from receipt of this communication allotted under the Federal Law to block these entries, it should be understood that failure to do so within a 4 business days period after receiving this letter constitutes reason to promptly delete the information from my credit file. Refer to : ( FCRA USC s 168li ( S ) ( A ) ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX with Social Security XXXX XXXX, a resident of XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, 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 : XXXX. Applicant Identification : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.

3. 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.

4. 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.

5. 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, credit repair services, or other personal consumer reports

I have several medical collections from XXXX XXXXXXXX XXXX on my Experian report. I have paid off all of these collections with XXXX XXXXXXXX XXXX. Experian is refusing to remove them for whatever reason or update the balances, I tried to dispute the item several times stating that they were paid but no response
Product: Mortgage

Going thru modification with penny mac changed principal balance due and terms of loan from a fixed to a varible called several times single point contact to get hold underwtiting no response
Product: Credit card or prepaid card

I watched an online presentation from XXXX about their affiliate marketing program and the company charged my Chase credit card account {$3000.00} on XX/XX/XXXX and {$5000.00} on XX/XX/XXXX.. The company promised to send profits made to me and was told that I could withdraw the money at anytime. XXXX refused to pay me any of the commission that I was promised. I contacted Chase bank which is the credit card company which holds the charges by email in XX/XX/XXXX advising Chase that this company was a scam and I wanted my money back. I filled out an affidavit on XX/XX/XXXX with documentation that they requested. XXXX asked for additional paperwork on XX/XX/XXXX and I sent the documentation by fax. I have received several letters from Chase advising that the charge made to XXXX is a valid charge. I received the same letter about the charge being valid on XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX and XXXX. I am not disputing that the charge was made, I advised then that this company was a scam and they did not honor their agreement of paying commission to me and I wanted my money back from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

investigation took longer than 30 days, no results recieved
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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  accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple times, through Dispute letters, I have tried to fix the incorrect information on this account, with Experian Credit Reporting company. Experian then would contact XXXX XXXXXXXX XXXX and the account would come back with the incorrect dates, incomplete information, and missing data and was verified accurate by XXXX XXXXXXXX XXXX. Leaving the Report XXXX. The Account information for this complaint is taken from an Experian credit report # XXXX for XX/XX/XXXX. The account is XXXX. This is a joint account with my spouse. I will attach XXXX documents that XXXX XXXXXXXX XXXX and Experian provided. When you examine the documents you will find that the Date Opened is incorrect This account date is taken from the provided documents and is recorded as being opened XX/XX/XXXX ( Error XXXX ). Upon examining these documents you will see many months of activity. Terms ( 1 Months )????? what does this mean ( Error XXXX ). Monthly payment ( NOT REPORTED ) missing information ( INACCURATE ) ( Error XXXX ). Upon examining the provided documents is you will find a credit limit. The Experian Report shows the Credit Limit is labeled ( NOT REPORTED ) making the report ( INACCURATE ) ( Error XXXX ). Upon examining the documents you will find the High balance is ( INCORRECT ) ( Error XXXX ). Recent Balance is ( NOT REPORTED ) ( Error XXXX ). The payment history has been left blank ( INACCURATE ) ( Error XXXX ). By Law FCRA sections 609 and 611 require thar Creditors and Reporting agencies provide accurate reporting of accounts. Should they not do so the account will be delete. There are many Errors on this Experian Credit Report which have been VERIFIED as accurate by XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 2. The inquiry was not authorized XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX 3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 4. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX 5. The inquiry was not authorized XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 7. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX 8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 11. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX 12. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 13. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX 14. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 15. Validate Account XXXX 16. Validate Account XXXX XXXX 17. Validate Account XXXX XXXX XXXX  XXXX CA Please remove it from my credit report. 

18. Validate Account XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

19. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, XXXX  XXXX 20. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX 21. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX 22. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX 23. The following personal information is incorrect Employers : XXXX EMPLOYEE 24. The following personal information is incorrect Employers : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit agency and the company themselves on numerous occasions since XXXX XXXX, 2020. I have both electronically and in writing by mail, submitted my identification documents, proof of address, identity theft reports and additional documentation. I also received notice that this account would be XXXX, deleted from my report and the title to the said vehicle sent to my address. 

The account has been refused to be blocked even after notification of my request for it to be blocked and still reports a $ XXXX balance. This was dealer fraud and the contract is not legit. I was also told I had to purchase a service contract if I wanted the vehicle by the sales manager along with the loan being written when I hadnt taken possession.
Product: Debt collection

Manager was told by me that a minor who lived in the complex said " XXXX '', then after manager XXXX told, '' I will give them a warning '', still wrote me up and knew I did n't do it. She gives a tennant wrote up info, goes XXXX and lyes to the sheriff, then she goes in my apartment and tresspasses without consent. We leave because of what she did, disposed all my items without consent, then tracks me down illegally and sends false money amounts to my aunt 's. I did not do what she said.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I contacted the credit bureau about this issue and ask that this item please be removed off my account on XX/XX/2021 and nothing was every done I ask that this item be removed as quickly as possible this is causing my family and I great XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi spoke with a representative this morning with Wells Fargo credit card department. I let him know that my account was still reporting as a charge off in my monthly payment status update. 

There should be nothing to report. Instead of an ( x ) there should be a (. ) or a NR - no report for XX/XX/2020 and continuing forward. Instead my monthly update continues to show an ( x ) like a missed payment or charge off. 


Please update monthly payment history. Remove ( x ) mark or charge off monthly status to ( NR ). 

I am aware my account status remarks will say paid charge off however my monthly update history since XX/XX/2020 should not report an active charge off like this account wasnt paid. 

Ive attached my documents below. Thank you.
Product: Credit reporting or other personal consumer reports

IN ACORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  XXXX XXXX ACCOUNT # XXXX HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHTS 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 INSTRUCTION.