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

I hear about scammers draining accounts of innocent people, and to increase my security I went to TransUnion website, created my account and FROZE my Social Security Number. In addition, I looked at the various accounts listed against my name, and recognized all of them as legitimate except this one : XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MO XXXX They claim ( at TransUnion website ) that I have an account XXXX with them. 
They also claim that I borrowed {$2400.00} from them in the past ( date not shown ) and that I was repaying this load at $ XXXX. This account is listed as " XXXX XXXX XXXX XXXX. '' NONE of the about information IS TRUE!! 
I never had this account, and I never paid any money to them. 
I am not sure why they would create this FAKE account? 
If I had not logged into TransUnion, and I wouldn't even know of this SCAM!! 
Please investigate this case, and let me know the results.
Product: Credit card

Received an email notification that a Capital One account with my email address changed phone numbers and then received an approved application for a Capital One XXXX card and that it would be arriving in 7-10 business days. 

I never opened a credit card with Capital One, nor do I have an account or do any banking with Capital One.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX partial account number XXXX ; XXXX partial account number XXXX ; and XXXX partial account number XXXX should not be reporting to XXXX  ; XXXX  and Transunion that I was late on these accounts. ( Please see page attached from my credit report. ) I was in the middle of refinancing and was working with a bank representative that assured me that no late payments would report on these accounts. I was not aware that any lates were being reported until I obtained a copy of my credit report. This false reporting of lates is seriously harming my credit score and need to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Debt or credit management

XX/XX/year> Subject : CFPB to take off negative score. 
To : XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Per the FCRA, as a federally protected consumer, I am now opting out of any or all authorization I the consumer may have given you written, unwritten, verbal, or non-verbal per 15 USC 6802. Thank you.
Product: Credit reporting or other personal consumer reports

This is my formal complaint about the negligence of the XXXX Credit Bureaus and I alleged that they have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report with the late but open status of account resulting in significant harm to my financial standing and reputation. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. I demand that they rectify this violations and provide me with accurate and updated credit report immediately. I have attached the important documentation, including payment receipts and identification documents, to verify my claims and request a thorough investigation into this matter. This account XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX  Balance : {$10000.00}, should be corrected by the Credit Bureaus.
Product: Mortgage

I applied for a Loan Modification with Bank of America. While running my loan for a modification, they also ran it for possible foreclosure. I was given an account manager, whom i kept in touch with. After a lengthy period they denied the modification and demanded $ XXXX to avoid foreclosure, or I could sell. I put the house on the market and provided a ratified contract to Bank of America 18 days later. The Principle Balance was $ XXXX and the sale amount was $ XXXX. Bank of America then told me I only had 10 days to short sell the home, which is impossible! They then foreclosed the home and auctioned it off for $ XXXX. Even the excess from that sale was not given to me. Bank of America acted in a manner that was deceitful. As a result I have lost everything. I believe I am due the amount that I would have profited from the sale. I am considering a lawsuit for $ XXXX plus the legal fees, but I have been unable to find anyone in Md. that can take on such a case. The sale was XX/XX/year>. I am out of time and need help desperately.
Product: Mortgage

Got behind on modified mortgage payments. Received letter from SLS, LLC to catch up all payments or will go into foreclosure dept. on XXXX/XXXX/16. So we set-up an Informal Payment Agreement Plan. Have made two payments so far. They keep calling me aggressively. 
1 ) Can they demand that I set-up my checking a/c with automatic withdrawals until I catch up? Also stated that phone calls would end only if they can secure my checking a/c! 
2 ) Can I get the Informal Payment Plan in writing Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX never gave me a loan for {$1000.00} as well as my checking account was linked for payday advance that is the same as my employer direct deposit. Account is not is collections and closed, incorrectly reported my account as delinquent on my credit. Please help Im being scammed.
Product: Credit reporting or other personal consumer reports

ACCOUNT # XXXX XXXX this is XXXX  about these accounts. Im not XXXX XXXX pay these accounts I'm super XXXX, now or in the future. Thats just how it is. Later,
Product: Debt collection

I had current insurance coverage with XXXX XXXX XXXX XXXX. I contacted the insurance company at the time and was informed that the medical charge would be covered. I contacted the provider when the account went into collections and then contacted IC system to resolve the matter and provided information but was told nothing could be done. This collection is affecting me financially as it is the only negative derogatory marks on my credit report and is impacting the possibility of me obtaining any type of loads at a rate that would be considered average.
Product: Debt collection

Collector 's Name : XXXX  XXXX XXXX XXXX Date of Incident : XX/XX/year> Representative 's Name : XXXX XXXX of the Incident : On [ insert date ], I received a phone call from XXXX at XXXX XXXX XXXX XXXX regarding an alleged debt. During the conversation : I informed XXXX that I would be exercising my legal right under the Fair Debt Collection Practices Act ( FDCPA ) to request a debt validation letter via certified mail. 
XXXX repeatedly dismissed my request, stating that they had " already sent '' the validation letter and that my actions were merely delaying the process. 
He continued to pressure me into discussing payment options, despite my clear and repeated statements that I was exercising my right to request written validation. 
When I firmly reiterated that I would not provide any personal information and would be sending my validation request in writing, XXXX became rude, ended the call abruptly, and repeated the threat of legal action. 


Why This Is a Violation : Under the FDCPA, I have a clear right to request written validation of the debt within XXXX days of first contact, regardless of whether the collector claims to have previously sent it. 
Repeated pressure, threats of legal action, and rude behavior could constitute harassment and unfair collection practices under the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

See info below for errors and violations. Resolution is for XXXX, XXXX and Equifax to delete this account permanently.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my 3 Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX  XXXX Balance {$300.00}
Product: Payday loan, title loan, or personal loan

I have a current loan with cash express in XXXX off of XXXX XXXX and I have asked since covid pandemic for them to accept a payment agreement at a lower amount. I am wanting to negotiate a lower interest rate and a smaller payment per month than {$190.00}. I have been told repeatedly that if I do not make my payment that they will sue me. I have been affected by the pandemic and now testing positive for covid recently and I can not afford to pay back on the current terms. I also asked for them to stop the ach withdrawals and I have not recieved any confirmation by way of mail regarding this.
Product: Credit reporting or other personal consumer reports

I contacted the company about the information being incorrect on XX/XX/2023. The representive informed me that the informationn had already been reported.
Product: Debt collection

On XX/XX/2022 I noticed fraudulent accounts on my credit report, I filled a FTC report along with a CFPB compliant regarding the fraudulent accounts .The particular account that I am filing a complaint on today is Transworld systems. The fraudulent account appeared on my XXXX account before XX/XX/2022. The account has been removed from my XXXX account .On XX/XX/2022 the account is now appearing on my XXXX account .Because of this fraudulent degatory account my rights as a consumer has been violated .15 U.S. Code 1692e - False or misleading representations. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.Transworld systems has been notified of this fraudulent account and continue to violate my rights by reporting false and misleading information on my credit report.
Product: Checking or savings account

On XX/XX/2024 we did our taxes on turbo tax and requested an advance of XXXX XXXX We got that on credit karma on a checking account. Then a week or so later we get on credit karma to check out account and it states the account is closed. We have no wrote them via chat at least 8 times and talked to them on the phone at least 5 times. They state that the account isn't open but our tax money is on that account. They have stated they sent it to high people at high priority but still waiting to hear anything back since XX/XX/XXXX. They won't let us request a check or anything. Just a go around everytime we talk to someone
Product: Debt collection

Account XXXX XXXX National Credit System 15usc1692c ( c ) this law clearly states If a consumer notifies a debt collector that a consumer refuses to pay a debt, the debt collector must cease all communication. I have not done business with this company and this company has communicated a debt on my credit report which is in violation of said law.
Product: Credit reporting or other personal consumer reports

This company continues violate my consumer rights by reporting inaccurate information on my credit file with this account. I have proof in the images below. This account continues to report like its open an has a balance but this account has not be active since 2018 which it a violation.
Product: Checking or savings account

hello my name is XXXX XXXX XXXX I had an account with Transfer wise bank a few days ago I made an account all the verification has completed but recently for some of my personal work I used a XXXX for the XXXX to change in XXXX suddenly they deactivate my account they need my national id passport and my selfie with documents I submitted all the documents they required but after wise team review my case may take a decision to keep my account closed without any reason so I req yo that please activate my account thanks XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I submitted a complaint to the bureaus and they haven't responded on it, it's been more than XXXX days. They just ignore my disputes and I'm not happy about that, cause it's affecting my name, personal life. PLEASE HELP!
Product: Credit reporting, credit repair services, or other personal consumer reports

Several accounts are being reported that aren't mine.
Product: Credit card

Using stolen credit card information ( social security/exemption ) ( 15 usc 1602 ) by Equifax ; XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, et al, having obtained such information by fraud, and without permission, knowledge and/or consent ( 15 usc 1692 ( c ) )
Product: Debt collection

I was not treated in XXXX XXXX on XX/XX/year> i was at a doctors appointment that day. No need for a hospital visit. Not sure how a {$700.00} balance is owed. proof of visit is listed.
Product: Credit reporting or other personal consumer reports

XXXX has over the last XXXX years continually refused to remove items from disputes using their app. Stating information updated, or information verified when in fact other bureaus have been removing the same information as unverifiable. The companies in question through direct contact have also refused or been able to verify said debt to myself and to XXXX  party repair services. XXXX has engaged in illegal act XXXX by gatekeeping negative items while attempting to push it's own alternatives to fix poor credit
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX / XXXX /   2017 I  called and spoke to  XXXX   XXXX  in regards to this inquiry being on my account. When I spoke to him he informed me that I did authorize the information because whoever tried to get an application in my name had all my information. I asked if I could get an application with my signature on it and he advised that they will try to send the application with my signature. I never authorized this company to run any kind of inquiry. He said that it was done on-line which give me more reason to have this removed off my credit. This inquiry is making it hard for me to get approved for any kind of loans to get a house.
Product: Credit card or prepaid card

I am a XXXX woman, i receive money from my husband to purchase household items i always use delivery services, i receive all my money from indiviuals who usually help us out. on yesterday XX/XX/XXXX my husband sent me {$100.00} to make household purchases as soon as i got ready to use the funds cash app took {$90.00} from me when i checked it stated that i had purchases from XXXX, now i knew i hadnt use XXXX in baout a mouth had no pending charges what so ever so i called XXXX, once as i proceeded to give them my info they asked me how did i pay i informed the woman whom name is XXXX that i made my purchase with my cash app card she stopped me and started reading me a statement that they had received from cash app stating that they had a glitch in they system in XXXX and the clients that had used they service were affected by this and if the called in to refer them to cash app support.si i called cash app support after being hung up on 3 times telling me i made the purchases to dispute with my bank, it had nothing to do with them the problem is ihave no bank account theres no bank affliated with my cash app account i only receive money from family and friends so on the 4th try i was able to speak to a male named XXXX and cash app he informed me that indeed there was a glitch and i needed to contact my bank, i explain to him that i had no bank he stated that cash app paid the merchant, that the merchant got paid and cash did not so it went back to my bank account and i should have received back in my account, so i stated again what bank because i have no bank account, you are my bank account so who got the money cause i would have notice extra money in my account and then he stated i need to escalate this to a manager because i dont know how to resolve this .I hada total of 3 charges that came out at the same time .for dates XX/XX/XXXX for {$45.00} another XXXX for {$36.00} and the last XXXX XX/XX/XXXX for {$8.00} now the bad part about this how i really know they were not honest XXXX of the purchases they took was a refund it was never even given back but on XXXX end it was a processed return, i dont have a job so this has really hurt me i been using cash for awhile and never experinced anything so cruel against your own customers i will continue to spread awareness about this and filed as many complaints i can i was also told that they were going to close my account if i proceeded with this the nerve, there is a class action suit someone is trying to file as we speak because so many people are going through this im not understanding how or why they can do this to people and nothing gets done, they are protected why are we not
Product: Debt collection

I have sent Midland funding a total of 5 letters demanding they show proof this is my account or it needs to be removed. They have ignored me and continue to hinder my credit. I never received anything mentioning I owed a debt, it just popped up on my credit when I was applying for a new home.
Product: Debt collection

Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. 
This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : XXXX Account Number : XXXX Date : XX/XX/2014 Amount :
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the third time I have requested to have these addresses removed from my credit file and they are still showing on my file. I was a victim of Fraud and these addresses are the reason I was compromised and I am not affiliated with them please remove them at once. If I get compromised again I will sue! 
My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX XX/XX/XXXXSS XXXX I need to get my credit file corrected I have fraudulent addresses on my file that I never lived at showing that may have belong to another person or relative, Please delete the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XX/XX/XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XX/XX/XXXXXXXX XXXX OH XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX, OH XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX OH XXXX
Product: Debt collection

On XX/XX/XXXX I wrote requesting proof of wet ink signature I have never had any communication with this debt collector LVNV FUNDING LLC/ RESURGENT CAPITAL SERVICES L.P . Nor have I contractual agreed with this person under any circumstances. Since this is my SECOND Request, I will also contact The Federal Trade Commission notifying them that I have signed receipts for letters sent to you and I regret that am being forced to take such action. I also understand that you are required to notify within 30 days and provide me with an updated copy of my credit report. My contact information XXXX am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, you will be liable for your willful non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of XXXX XXXX, XXXX XXXX Experian XXXX XXXX has not responded answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX  XXXX XXXX Balance : {$110.00} i believe were reporting in error.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed lawsuit against Experian, alleging systematic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of disputes outcomes. These failures align with my experience where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as Experian inaction violates federal law and my rights as a consumer.
Product: Credit card

I am writing to inform you that my Social Security number has been compromised, and I am a victim of Identity Theft.

See attached
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to shield consumers from the willful and/or negligent inclusion of erroneous data in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information. [ 1 ] Together with the Fair Debt Collection Practices Act ( FDCPA ), the FCRA forms the foundation of consumer rights law in the United States. It was originally passed in 1970, [ 2 ] and is enforced by the U.S. Federal Trade Commission, the Consumer Financial Protection Bureau, and In accordance with the fair credit reporting act, the list of accounts below has violated my federal Protected consumer rights to privacy and confidentiality under 15 usc 1681 Lending group # XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. State 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 state no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse items of information, other than records of convictions of crimes, which indicates the report by more than seven years