23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries from my credit file. As a victim of a data breach, I have identified the following accounts and inquiries as unauthorized and fraudulent : Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX Equifax keeps adding information that is not mine or previously deleted to my credit reports.
Product: Credit reporting or other personal consumer reports

I am rejecting this response because : XXXX XXXX XXXX recent response to my complaint regarding inaccuracies on my credit report. 

Despite my numerous attempts to dispute these erroneous accounts and rectify the situation, XXXX has failed to adequately address and resolve the issues at hand. 

Over the past several months, I have repeatedly contacted XXXX XXXX XXXX, providing detailed information and supporting documentation to demonstrate the inaccuracies present in my credit report. Unfortunately, each attempt has been met with insufficient action and a lack of proper investigation into the matters I raised. This ongoing negligence has caused significant harm to my creditworthiness and has had adverse effects on my financial well-being. 

I am now seeking the intervention and assistance of the CFPB to help resolve these persistent issues. XXXX XXXX XXXX failure to correct these inaccuracies and conduct a thorough investigation is a clear violation of the Fair Credit Reporting Act ( FCRA ). Specifically, they have breached my consumer rights to a fair and accurate credit report by not fulfilling their obligation to investigate disputes properly and correct any errors. 

The FCRA mandates that credit reporting agencies must investigate disputed information and make corrections if inaccuracies are found. 
XXXX XXXX XXXX continuous disregard for this responsibility has not only violated my rights but has also perpetuated the damages being done to me as a consumer. 

I trust that the CFPB will take appropriate action to ensure that XXXX XXXX XXXX  adheres to the FCRAs requirements and conducts a comprehensive review of my disputes. I am seeking a resolution that includes the correction of all inaccuracies on my credit report and a guarantee that my consumer rights will be respected moving forward.
Product: Checking or savings account

I had deposited 4 checks into my TD bank account at the ATM for XXXX XXXX XXXX and for XXXX and TD bank refuses to let me have access to my funds
Product: Credit card or prepaid card

I paid the account off. I was later told that there was a financial charge that was applied after I paid the account off. I then made that payment. Now each month they are charging me a finance charge when I totally paid it off. 

I have called and got a very rude rep that would not hear what I was answering.
Product: Debt collection

( AR RESOURCES ) at ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) has been sending me collection notices in the amount of ( {$590.00} ). The collection has been reported as passed due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report again and saw accounts reporting that I do not recognize. Ive submitted multiple claims and proof & still havent received anything in return
Product: Credit reporting or other personal consumer reports

XXXX XXXX  is report different information on all 3 credit bureaus. it show, closed here, charge off here, paid here. According to the FCRA information should be 100 % accurate and 100 % verifiable i uploaded the information from all three-credit company According with the Fair Credit Reporting Act, everything has to be 100 % accurate on my report and Under 15 U.S. Code 181e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting 100 % accurate
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I have fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been denied a credit because of in accurate information on my file with XXXX XXXX XXXX   agency. I disputed the info last year and they supposed to delete and or correct it however they did not. I called XXXX again today and they told me they will contact the creditors and get back to me. The status information on file shows the accounts were involved in a bankruptcy, however these account were a mortgages and a line of credit were paid in full and never were involved in any bankruptcy. I need your help here to get these derogatory information being removed from the file, since other Credit Bureau has no issue with this. I am in the process of refinancing my house again and buying a new car. Please help me here. 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX
Product: Mortgage

I was forced out of work at the end of XX/XX/2023 due to my XXXX XXXX  XXXX XXXX expiring. I had put in for renewal but it didnt come in till XX/XX/2023. XXXX was the first missed payment on my mortgage. I have been unable to find work since. Also in XXXX a lawsuit against my homeowners insurance due to damages from hurricane ida. I called the Mortgage company in XXXX explain my situation they offered me no solutions since im still unemployed I also explained the lawsuit situation at this time they didnt care about it. XX/XX/XXXX they refered my home to a lawfirm for forclosure. I received a demand letter explaining this on XXXX XXXX. I called them on XXXX XXXX asking for more time so i could either reinstate the loan come tax time which would be my only hope at the moment. I also explained that the home was significantly damaged during the storm and in its current state it is not in there best interest to forclose on the home because they will have to sell for way less then the homes value due to remaining damages. It would be better to give more time to complete said lawsuit repair the home so it can be sold at a much higher price or better yet payoff the debt to the mortgage company. They are unwilling to work with me on this they would rather forclose on the home and lose money.
Product: Credit reporting or other personal consumer reports

Per the FCRA, as a federally protective consumer, I am now opting out any and all authorization, I the consumer may have given you, written, unwritten, verbal and non verbal, per 15 USC 6802. Also 15 USC 1681i ( a ) 1, 15 USC 1681i ( a ) 6 ( B ) 3, and 15 USC 1681i ( a ) 5 ( B ).

I didnt do any of these inquires on my profile besides ford and credit cards. None of these from mortgages companys are from me
Product: Credit reporting or other personal consumer reports

My data was breached with XXXX. There have been people who has used my information to create bank accounts and open credit cards in my name and NEVER PAY. This is bringing my credit down
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 XXXX XXXX XXXX Account Name : XXXX XXXX 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 XXXX 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: Credit card

Hello CFPB Team, I am contacting you regarding a dispute with Citibank concerning a purchase made through XXXX on XX/XX/year>. After visiting the XXXX XXXX in XXXX XXXX XXXX, XXXX XXXX, CA, where the item I wanted was unavailable in my size, the sales associate assisted me in ordering it online. When the white leather sneakers arrived at my home on XX/XX/year>, I immediately noticed a scratch on the top part of the sneaker. Considering the high cost of these sneakers, receiving them in such a condition was unacceptable. 

I promptly reached out to my in-store sales associate via text on XX/XX/year> the same day I had received the item, who advised me to return or exchange the sneakers through XXXX. I followed the instructions and shipped the item back on the same day, explicitly noting the damage in the return request. However, XXXX returned the sneakers to me, claiming they were received in the damaged condition I had initially reported. 

Following this, I contacted XXXX customer service and was directed to their " Client services '' for a resolution. Despite providing photos of the damage, screenshots of the communication with my sales associate, and following up through multiple emails and phone calls, I received no response. 

After several weeks, I reached out again to XXXX client services asking for an update, I was informed by a customer service agent that XXXX management decided they could not accept the damaged goods as they could not be resold. They suggested I contact Citibank to dispute the transaction instead. 

On XX/XX/year>, I filed the dispute with Citibank via their mobile app, providing a detailed account of the issue and offering to supply further evidence upon request. On XX/XX/year>, Citibank concluded their investigation, holding me financially responsible without apparent consideration of the additional evidence I offered. 

Despite repeated attempts to obtain further details from Citibank, I have not received any additional information or the promised detailed letter, which was supposed to be available in the " Notices and Letters '' section within 24 hours. It is now XX/XX/year>, and I still have no update. 

In summary, XXXX delivered damaged goods and refused to resolve the issue, and Citibank has denied my dispute without thorough investigation. I am deeply disappointed and feel that I have been let down by both the retailer and my financial institution. 

Thank you for your attention to this matter. I am eager to hear your advice on how to proceed. 

Best Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I purchased the XXXX XXXX XXXX from XXXX back in XXXX XXXX, 2015. I received a bill XXXX XXXX, 2015, for the amount of {$240.00}, which was paid in full right after purchasing the phone in full payment. Coming to realize that, XXXX has put a {$530.00} credit debt on my credit which does not belong since everything was paid off.
Product: Debt collection

Premium Asset Services has misrepresented who they are. They are rude, have used profane language, and have told me on several occasions they are calling from a law office ( Offices of XXXX XXXX XXXX. They act as though they are lawyers and threaten litigation. I attempted to set up a payment plan for my debt and they were not willing stating I have room on my credit cards to pay the debt in full. They will not work with me at all and then say that I " refuse '' to pay the debt which is FALSE. They also have threatened to contact my employer if I did not respond and pay the debt in full. They never told me who they were, I found out the company through my husband, whom they have also harassed. He had to continue to ask many times for them to say where they were calling from. They are telling my husband I have secret credit cards, and told him that we are pieces of XXXX. A different person calls me each time and from different phone numbers. They have stated my debt is 1 to 2 thousand more dollars then it actually is. They are harassing me, misrepresenting themselves, and constantly threatening me. They have caused great emotional distress and I am in fear that they have fraudulently acquired my SSN and personal information.
Product: Credit reporting or other personal consumer reports

I spoke to transunion and they made me aware that my credit file was, iced in with someone else and that they would remove a discover account that was not reporting and all of a sudden showed up. As of XX/XX/year> it was not there and on XX/XX/XXXX it started reporting. I was not given the time according to the FDCPA and FCRA that a collection would be placed on my file.
Product: Consumer Loan

Balance for XXXX Account # XXXX-1 incorrectly display account details and % rate details.
Product: Credit reporting or other personal consumer reports

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Identify theft fraudulent account XXXX XXXX XXXX Date open XX/XX/XXXX Amount XXXX This account was previously deleted on XX/XX/XXXX This debt was erroneously put on my credit report under the fair credit reporting act it is against the law to readd an erroneously credit debit back on my credit report
Product: Mortgage

I have not received clear instructions on loan modificationI keep having to explain over and over about whats going on.Also have spoken with manger but that does not do anything. They said the sent a loan modification offer but we never received it and the manager show the never sent it now t to he rejected a offer we never received and the they sent a congratulations that they will accept offer and its no one in charge and manger or supervisor is always busy and never call back while were scared are might go in to foreclosure because Mr. Cooper keeps dropping the ball
Product: Credit card or prepaid card

On XX/XX/2021 I had a balance of {$2500.00} which includes interest in residual charges at the end of billing cycle which wouldve been XX/XX/2021 this includes six additional days of interest and residual charges I paid the account off in full and carrying a XXXX balance 28 days later on XX/XX/2021 I received a notification of a balance of {$8.00} which is interest charges I immediately call Capital One customer service inquiring about the charges and requesting for them to reverse this charge, the representative indicated that there was nothing she can do to help me in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an old account on my credit report showing inaccurately from XXXX  the account was closed and paid as agreed it would be removed of my credit report once I paid the account they closed the card and put charge off on my credit report however this account is statute of limitations and should be removed it is over 7 year any way please help in this matter
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. 

Please delete the following accounts and inquiries. XXXX XXXX, Acct Num:XXXX, {$6600.00} XXXX XXXX  XXXX Acct Num:XXXX {$9300.00} ; XXXX XXXX XXXX Acct XXXX NumXXXX {$6000.00} ; XXXX XXXX XXXX XXXX Acct . Num:XXXX {$73000.00} INQUIRIES:1 ) XXXX XXXX XXXX/XXXX/XXXX  XXXX ) XXXX XXXX  XXXX XXXX/XXXX/XXXX  XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX  XXXX ) XXXX XXXX XXXX XXXX/XXXX/XXXX  XXXX ) XXXX XXXX XXXX/XXXX/XXXX  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  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

Midland credit management has not validated this debt validation letter has been sent over 90 days midland has not responded my Identity has been compromise on dark web from XXXX XXXX midland credit has been calling my personal number the FTC has been notified of harassing my personal life I have never did any business with midland credit management or any affiliate my SSN has an freeze with all three credit Agency I would like this debt be removed from my credit profile
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian will only give accurate updated info if you pay a membership fee! 
Experian report shows completely inaccurate info despite burying the correct info in the credit card balances Example today I recieved an email that there was a decrease in my score. Suprised I looked at the Experian app The over view showed a score that was XXXX points less than XXXX and XXXX It showed a debt 4x more than I owed so I looked on their app at my individual credit card debt. On their own site it states the info is correct as of today but their over view showed 4 % credit usage when the actual credit cards were less than 1 %. They dropped my score when it should have increased. Called Experian and explained they saw the same numbers and said. I COULD GET ACCURATE UPDATED INFORMATION IF I PAID THEIR MEMBERSHIP FEE. XXXX and XXXX are providing updated accurate info without a membership fee. Im my opinion. Experian is extorting money from consumers by having a membership program and they are deliberately posting inaccurate information when claiming to be giving as of today info