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

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells fargo is not reporting my direct deposits to XXXX XXXX XXXX. I need this to be reported so I can use this service. <P/>XXXX XXXX
Product: Credit card or prepaid card

In XXXX XXXX, XXXX, I identified the fraud and unauthorized Capital One credit card account under my name in my credit report. The next day, I reported it as Identify Theft to local law enforcement, then started to contact Capital One and report this account as a result of Identity Theft. 

This issues has not been solved after several rounds of phone conversation and mails, including one complaint filed in XX/XX/XXXX in CFPB. Fortunately, in response to my complaint to CFPB, on XX/XX/XXXX, Capital One provided two pieces of feedbacks ( please see the attached file ) to support their claim that there was no sign of fraud for this account : 1. The account has the correct address. 
2. There is a phone number associated with this account that was linked to me in public record. 

I believe Capital One should consider the following facts : 1. Although the account does have correct address, but my mailbox was standing on the roadside and has NO lock. Therefore, the correct address is not a barrier for a criminal, who purposely steal my identity for his/her own financial advantage, to get mails from Capital One sent by Capital One, such as the physical credit card, which I never got. 

2. The phone number associated with this account was also a result of Identify Theft. I never have that phone number, and never received any mail associated with this phone number. I reported this fraud phone number to Federal Trade Commission, in the form of an Identity Theft Report, in the section of personal information. 

In addition, after identified this fraud phone number ( with 2 other phone numbers and a wrong name that was not mine ) in my credit report with XXXX  in XXXX XXXX, I called the three credit agency, reported these incorrect information, and ask them to remove these false information from my credit report. 

After getting Capital One 's response on XX/XX/XXXX, I called the three credit agency, they confirmed me that the phone number mentioned in Capital One 's response is not associated with me. 

This fraud phone number, which is another result of Identity Theft, should not be considered as a piece of evidence against me. 

If Capital One identified other public record that link this phone number with me, please inform me so that I can report such fraud to the correspondent institute/company. 

As a victim of Identity Theft, and a consumer, I did what I could : I reported to FTC and local law enforcement, and reported the fraud account to Capital One, tried to solve the issue. Finding out who steal my identify is beyond my capability.
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. 

Account Name : XXXX : Account Number : XXXX : Balance : {$1000.00} Account Name : XXXX : Account Number : XXXX : Balance : {$3400.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number XXXX XXXX : Balance : {$1600.00} Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account XXXX XXXX XXXX : Balance : - {$760.00} Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX : Balance : $ {$2500.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : 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 XXXXXX/XX/XXXX 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 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: Debt collection

Pursuant to 15 USC 1692 G BILLING STATEMENTS DOES NOT VALIDATE A DEBT neither does a signature or contract. 

ERC failed to give me validation after the initial communication it is a individual action under this statue i had to request validation they responded with billing statements thats not validation. 

I AM NOW REQUESTING verification! I want to know who the original creditor is and the name and address of the original creditor. 

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

There is an incorrect past address on my Equifax credit report. 

I tried to alert them to this by clicking on the appropriate web page link, but the link did not work. They did not include a phone number to call to correct the problem.
Product: Credit reporting or other personal consumer reports

Sent information they ask for but was wrong address on letter they received wothout having any clue what is was for recently sent to address on websire
Product: Credit reporting or other personal consumer reports

Despite my repeated efforts to rectify this issue, including four prior attempts, these fraudulent items remain unresolved and continue to negatively impact my creditworthiness and financial stability. However, despite providing substantial evidence of the fraudulent nature of these items, the agencies have failed to take appropriate action to remove them from my credit file. The presence of these fraudulent items has resulted in significant personal and financial distress, including denial of credit opportunities, increased interest rates, and undue stress. It is imperative that the credit reporting agencies comply with their obligations under the FCRA to ensure the accuracy and integrity of my credit report. I respectfully request that you will help me to take immediate action to conduct a thorough investigation into the disputed fraudulent items on my credit file and promptly remove any items found to be fraudulent or unverifiable. Please help me remove these items immediately : XXXX XXXX XXXX XXXX XXXX, AE XXXX XXXX XXXX XXXX, DC XXXX XXXX  / XXXX  XXXX Balance Owed : {$3500.00} XXXXXXXX XXXX XXXX Balance Owed : {$2300.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$3000.00} XXXX XXXX XXXX XX/XX/XXXXXXXX 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 XXXXXX/XX/XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NM XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX  XXXX Balance Owed XXXX {$2300.00} XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$3000.00} XXXX XX/XX/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

I had applied for XXXX on or around XX/XX/2021 and XXXX on or around XX/XX/2021. Both companies obtained my background check through Checkr. Checkr in both reports incorrectly reported criminal charges that were withdrawn in court preventing me from obtaining employment both times.
Product: Credit card or prepaid card

I've been trying to call through to make a payment for over a month now. Apparently there is an outrage with their phone systems that's been ongoing for weeks. I don't have an online account set up for payments and I can not create one because I don't have my account number. I've been trying to call every number I can possibly find to obtain that info I need. Their hold times are ridiculous just to get hung up on after 30+ minutes. I'm reading other complaints of people who can not get into their online payment portals. There's other complaints of fraudulent charges, late fees and negative credit reporting. I have great credit and want to keep it that way. Their lack of communication with their customers is completely unacceptable.
Product: Mortgage

We purchased our home in XXXX CT in XXXX with a XXXX XXXX. In XXXX we refinanced with XXXX XXXX  via a local real estate company, XXXX XXXX. Mortgage was assigned to XXXX In XXXX and to GMAC in XXXX. We refinanced with XXXX  XXXX XXXX in XXXX and paid off that mortgage in XXXX. We are applying for a Home Equity Line of Credit and can not qualify because GMAC never filed a release of that mortgage when it was refinanced with XXXX  resulting in an old lien on the home. Attorney who handled all transactions is dead and his records from that time dont exist any longer. We have no proof of payment to GMAC. XXXX says its not their problem. Title Insurance cant cover since its a mortgage we imposed. GMAC doesnt exist anymore and XXXX, who took them over, hasnt responded to request to research/inquiry. We have a real estate attorney who is exploring options to resolve but as yet he hasnt met with success.
Product: Credit card

I never made this electronic purchase using my phone, I reported it to Apple Credit Card Goldman Sachs Bank USA, I spoke with the seller, the XXXX company, and they told me that they couldn't give me information, but they told me that they bought the tickets but that no one had them. I used it, I told them that I had not bought anything with them, and that it was fraud, I asked them to show a signature of mine or a document that I had accepted or done this and they told me that I did not have it, the bank does not help me repay this and they told me they make the charge. By law, the bank must show that I accept or sign that I purchase this document.
Product: Credit reporting

My Equifax credit report incorrectly states that my XXXX account was sent to collections. In fact, my XXXX account was set to auto-pay and the collections information was entered as an error. I have disputed this with XXXX via certified mail and filed a dispute with Equifax which was not resolved to my satisfaction. XXXX has removed this account from my credit report and I would like Equifax to do the same.
Product: Debt collection

This account is being reported as delinquent XX/XX/year> to all three credit agencies. As you can see from my upload this account has 0 balance and was closed in XXXX.
Product: Debt collection

COLLECTORS KEEPS CALLING MY FAMILIES CELL NUMBERS WE WILL 17 CALLS ON RECORD WITH SCREEN SHOTS AND ARE CALLING ( XXXX ) XXXX. AFTER CEASE AND DESIST COLLECTIONS AND COMMUNICATIONS. STOP CALLING XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear transunion XXXX XXXX XXXX XXXX Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Picture of proof included XXXX XXXX XXXX XXXX XXXXXXXX XXXX : REPORTING PAYMENT HISTORY CHANGE FROM XX/XX/XXXX & XX/XX/XXXX was change too XX/XX/XXXX & XX/XX/XXXX. 

PAYMENT HISTORY ON XX/XX/XXXX : SAYS I MADE A PAYMENT BUT THERE NOT A OK IN PAYMENT HISTORY & WHAT ABOUT XX/XX/XXXX & XX/XX/XXXX PAY STATUS : HAS NOT PUT 120 DAYS IN THIS SECTION REMARKS : NOT SHOWING NOTICE OF DISPUTE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX IS REPORTING MAXIMUM DELINQUENCY : XX/XX/XXXX out of date & 90 DAYS NO LATES IN PAYMENT HISTORY. 

LAST PAYMENT CHANGED : FROM XX/XX/XXXX TO XX/XX/XXXX THATS A VIOLATION LATE PAYMENTS IN PAYMENT HISTORY : THERE NOT ANY LATE PAYMENTS BUT THE ACCOUNT STATUS SAYS I HAVE 90 DAYS LATE. 

Remarks : THERES NO NOTICE OF DISPUTE PAYMENT HISTORY : THERE NO LATES & PAYMENT HISTORY HAS BEEN XX/XX/XXXX IN IS NOT REPORTING ON XX/XX/XXXX & THERES NOT ANY LATES IN PAYMENT HISTORY XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX from these dates. 

Want both ACCOUNTS removed If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ).

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Reporting information with actual knowledge of errors 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. 

XXXX
Product: Credit reporting or other personal consumer reports

There is some inaccurate or False information on the XXXX XXXX with the account number XXXX that is reporting on my credit report. 

First, this is a closed account, but this account is not reporting the date this account was closed. 
Second, the Balance ( {$20000.00} ) is bigger than the High balance ( {$10000.00} ) This is because there was a fraudulent charge made on this account. 
Third, The Payment History does not report a 30,60,90,120 days late before this account was Charge off by the account provider. 

This situation is affecting all my financial life.
Product: Mortgage

Specialized Loan Servicing ( SLS ) violated loss mitigation procedures pursuant to CFR XXXX Prohibition on a foreclosure sale and the Appeal Process. SLS knowingly miscalculated my monthly income after being provided with updated financial information via email, phone and fax. SLS also ignored my letter of Notice of Error and Requests for Information which was sent via email and fax.
Product: Checking or savings account

I have a SoFi Money account. Your security team restricted my account and I am unable to access my funds that I need to make a payment on Monday. You support was supposed to reach out to me to help me but hasn't responded till now. I was supposed to be contacted on Monday or Tuesday but no one has contacted me even after 5 days of freezing my account and there is no explanation. Your front line customer service has no idea ( in their own admission ) of what is going on and your security team is unreachable ( who has placed a freeze on my account ). In the midst of this, you are holding my life savings of {$76000.00} hostage with no way for me to make any payments or giving any information what happened to my money.
Product: Mortgage

In XX/XX/2020, Vanderbilt Mortage reported that my mortgage account had been paid in full ( XXXX ). In XXXX, I contacted this agency to find out what was going on because the closed account status had a negative effect n my credit score. I pulled all three credit reports and account paid in full and closed had been reported to all three. I contacted the agency about the section and was informed that I would receive a response in 5 days. I contacted the agency after 10 days and was told that I should have received something in the mail. I informed them that nothing was received. I was then told due to my ex-husband filing bankruptcy that they could not give me any information about my mortgage. My ex-husband and I have been divorced for 15 years and the court documents show that the home was given to me. I have been trying to communicate with Vanderbilt Mortage for about a year about this account. But they refuse to give me information due to his bankruptcy but they are expecting me to continue to make my monthly payments. They refuse to give payoff information or my online access has been suspended. Although my credit report shows that the account has been closed since XXXX, I still make my monthly XXXX. I have never been late or behind on my payments. I would like for them to respond to this matter so that I could get my credit score back to where it was before the remark.
Product: Credit reporting or other personal consumer reports

My personal and financial information was compromise without my authorization, the family education rights and privacy act FERP protects the confidentiality of student records, this Breach is clear violation of FERPE and your responsibility to safe guard my information, giving the severity of this Breach and resulting compromise to my personal and financial information I request that you immediately cancel and discharge my student loan debt within five business days.
Product: Money transfer, virtual currency, or money service

Dear Sir / Madam, I refer you to Coinbases response dated XX/XX/year>, in relation to the above-captioned subject. In that letter, they declined my complaint. 
Given my own commitment to sensible approaches to coping with situations of this nature, and my ( perhaps XXXX ) belief in the system, I had high hopes for Coinbases letter to deliver novel, practical, and helpful insights on the matter, which it summarily fails to do. 
I find it baffling and reprehensible that my money has been so egregiously misused in a fashion that violates XXXX XXXX Practices, which call me to defend my rights
Product: Debt collection

Company sent me an email to XXXX telling me to contact their office for information related to a debt. I never received communication from them in the mail with information with regards to whom the original creditor is, the amount owed, and notification of my rights to dispute the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a hard inquiry from the company below on XX/XX/XXXX and again on XX/XX/XXXX AND XXXX XXXX, XXXX : CURO MANAGEMENT, LLC XXXX XXXX XXXX XXXX XXXX, KS XXXX I did not apply for any credit with this company.
Product: Checking or savings account

Fraudulent account was opened in my name early XXXX Bank of America will not close account, has denied fraud claims. 

I only want account closed
Product: Credit reporting or other personal consumer reports

I am a victim of the XXXX data breach, and my personal information has been compromised. Several accounts were fraudulently opened or affected, which I did not authorize or initiate. These accounts are now causing potential harm to my credit report, and I am requesting immediate assistance to have them blocked and deleted pursuant to 15 USC 1681c-2 ( a ). The accounts in question are : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX Account Number : XXXX, XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Account Number : XXXX I am concerned about the negative impact on my credit report and potential exposure to identity theft due to this breach. I am requesting prompt action to block and remove these accounts from my credit report in order to prevent further unauthorized use of my information and to maintain the integrity of my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a Victim of a data breach Someone used my personal information to open several fraudulent accounts in my name. 
The following accounts are fraudulent XXXX XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, Someone also filed XXXX fraudulent bankruptcies in my name. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX And Someone used several fraudulent address in my name also XXXX XXXX XXXX XXXX, ga XXXX, XXXX XXXX XXXX XXXX ga, XXXX XXXX XXXX XXXX ga XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

WELLS FARGO BANK AND XXXX XXXX ARE IN COLLUSION WITH EACH OTHER AND PULLED XXXX KNOWING IT WAS BLOCKED. VIOLATING 15 U.S.C. SECTION 1681G OF FCRA AND DODD FRANK ACT. XXXX XXXX XXXX AND XXXX XXXX XXXX SEE ATTACHED
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXXXXXX XXXX  # XXXX 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX currently have XXXX fraudulent accounts appearing on my credit report and XXXX inquiry.