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

I am writing to formally notify you that I have been a victim of a data breach and identity theft. 
Unauthorized accounts and inquiries have appeared on my credit report, which I did not open or authorize. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following accounts and inquiries be blocked and deleted from my credit file immediately. 
Unauthorized Accounts XXXX. XXXX XXXX Account Ending : XXXX Opened : XX/XX/XXXX Amount : {$770.00} XXXX. XXXX Account Ending : XXXX Opened : XX/XX/XXXX Amount : {$100.00} XXXX. Desgn Rec Account Ending : XXXX Opened : XX/XX/XXXX Amount : {$1700.00} XXXX. XXXX XXXX XXXX XXXX XXXX Account Ending : XXXX Opened : XX/XX/XXXX Amount : {$5700.00} XXXX. XXXX Account Ending : XXXX Opened : XX/XX/XXXX Amount : {$6200.00} Unauthorized Inquiries XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

requested validation on debt owed never received.
Product: Credit card or prepaid card

After recently signing up for a credit monitoring service, I received notifications that a fraudster has aggressively attempted to open several new accounts in my name. I was emailed an alert advising me of a fraudulent application attempt at another bank. Upon researching further, I have found that several fraudulent credit card applications were previously submitted ; in including a fraudulent application to FNB Omaha resulting in a fraudulent credit inquiry on my XXXX credit report from FNB Omaha. I have received unsolicited communications from this bank/card issuer. The date of the fraudulent FNB Omaha credit report inquiry is XX/XX/2022. I exhausted all reasonable attempts to contact both FNB Omaha and XXXX to remove the fraudulent inquiry. Both companies have systems set up to create unnecessary obstacles to reaching a live person and have made the process to have the fraudulent inquiry removed impossible. FNB Omahas phone system and representatives have done nothing to help, furthering my frustration as a victim of identity theft. I no choice but to submit a request to submit complaints to the CFPB, FTC, and Office of The State Attorney General to have the fraudulent FNB Omaha inquiry removed from my XXXX credit report. The date of the fraudulent FNB Omaha credit report inquiry is XX/XX/2022. If the inquiry is not removed, then my only other option will be to seek legal assistance for damages caused by FNB Omahas refusal to resolve my issues as a victim of identity theft. This notice of complaint to be filed with the CFPB and FTC as well as the State Attorney Generals office serves as notice of my grievances with FNB Omaha.
Product: Credit reporting or other personal consumer reports

Despite the compelling evidence I provided and the absolute lack of verification from the purported creditors, you have inexplicably chosen to ignore my pleas for assistance. 
The fraudulent accounts that I insist be addressed are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your apparent indifference to my repeated requests for resolution is nothing short of scandalous. 
Your egregious failure to uphold these obligations has caused severe harm to my financial well-being and emotional distress that I can no longer tolerate. I will not stand by idly while your organization continues to neglect its responsibilities.
Product: Vehicle loan or lease

I got a car loan XX/XX/22 and it has come to my attention that my right of rescission was never provided or explained. I sent a affidavit of rescission XX/XX/22
Product: Payday loan, title loan, personal loan, or advance loan

I suffered XXXX XXXX XXXX in XX/XX/XXXX. At that time, I lost income and I also had to undergo extensive therapy to get well because I was XXXX. Due to the issues I encountered, I asked for Lendmark rep to help me and I was suggested to refinance my loan for a lower payment. I requested to refinance my loan on XX/XX/XXXX and it was approved. Instead, the loan company decided to report that my account was past due on XX/XX/XXXX and was noted as a charged off account, when in my credit report ( XXXX ), it states that the account was closed/paid, zero balance, and refinanced. 
It is showing the date of last activity as XX/XX/XXXX, which was when I refinanced the loan. Then, it is showing the date of last activity as XX/XX/XXXX. which was after I closed the account due to refinancing. This issue was disputed several times, with no positive response or intervention. Then, in XXXX, I set up a settlement with a rep and it was not honored. The account is in a charge off department, which they do not accept monthly payments, or payment arrangements, yet, I am still being penalized for this monthly. I have tried to resolve this matter by asking to do an other settlement, and it was not honored because the company wants more than what I can afford. Furthermore, the company has made no attempt to contact me or send me account information for over 5 years. This issue has kept me for buying a home, or paying for my children 's tuition, when I am a single parent of XXXX children and I have XXXX sons in college right now. I have medical information to show proof that I was not working. I have proof that I paid a lumpsum to the company in the end of XXXX, but was not honored. I believe this reporting was unfair and unjust, due to the amounts of discrepancies in my credit report. I also contacted the bureaus and no one has attempted to support me in this matter.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This letter is being sent to you in notice about the INACCURATENESS, INCOMPLETENESS, and more importantly, to your ERRONEOUS REPORTING. 
1. 15 U.S.C 1681B ( c ) ( 1 ) ( A ) ( B ) ( 3 ) FURNISHING reports in connection with credit or insurance transaction That are not initiated by consumer XXXX XXXX XXXX XXXX XXXX XXXXXXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account. 
2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXXXXXX XXXX XXXX XXXX XXXXXXXX Please remove it from my credit report. 
3. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 4. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681e ( b ) REQUIRE that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 
I DEMAND you to verify all these challenges and allegations and if can not, under the FCRA, unverifiable accounts MUST be removed. 
Thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I called several times during the month of XXXX to ask what my options were for assistance or forbearance, as I had the money for the mortgage but it was all in money in my bank account. or evidence of this. please listen to those calls. The mortgage does not report to the bureau until XX/XX/XXXX. I called on XXXX XXXX XXXX XXXX XXXX  and spoke with my loss mitigatior representative for 30 minutes, named XXXX XXXX I asked SPECIFICALLY if it reports late to your credit to do a payment plan " workout option '' they called it and she said NO. She then explained how putting down some money would be an accepted option but mv mortage would be extremely high when it is due. which would be 30 davs from then. I agreed that I could save the money up For context my mortgage is {$3000.00}!! So I was agreeing to pay {$3600.00} for the next 6 months but I would have extra time to save it since I was only paying {$400.00} on XX/XX/XXXX. They sent me a list of my payment dates in the mail. and when I went to pay on XX/XX/XXXX, they reported both XXXX and XXXX late to the credit bureau and our credit tanked XXXXXXXX XXXX and some credit was taken away. You all just tried to ruin our lives to get {$400.00}? I had the XXXXXXXX  How is it acceptable to lie to clients paying you this much money. Then I asked for a review of the calls and another supervisor, XXXX, called and simply said " the notes of the call were reviewed and you were advised of credit reporting ''. So it's fully ok to lie to customers at XXXX to close a deal. Let me share with you all the " advised ot credit reporting '' verbatim : " Delinquent loans may be reported to the credit bureau reporting agencies on a regular basis. Your loan may be reported until brought current ''. THAT IS ABUSIVE PREDATORY LEGALEASE. I SPECIFICALLY asked if it would report late before AGREEING to the terms, and you all are now claiming that THIS is the " advised of late reporting ''. Please do the right thing here. XXXX did not at all review my call she simply looked at the notes that XXXX lied on. They rushed me into doing a hardship application and I got it in for XXXX and they took until XXXX to give me the resolution which was a trial period until XXXX to pay a lower rate of {$2600.00} but STILL REPORTING LATE EVERY MONTH THEY TAKE MY MONEY. I am crying while typing this and I am publishing this publicly because if you have XXXX and you get any of them on the phone ASK TO RECORD IT because XXXX and XXXX seem really nice but will like to save themselves quick and I do not want another homeowner to go through this.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint and tried to dispute it through credit karma, but nothing happened. I have an collection on my account that was supposed to come off but never did. I paid it already, and the addresses on my report are outdated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In  XXXX , I was unable to submit a dispute through Transunion online due to an online dispute that was already in progress so I mailed them the dispute. I disputed the same information with   XXXX   because whatever the debt is it does not belong to me and have no idea what it is doing on my credit report. First the transaction showed as closed with a balance due now it shows as open with Transunion.  XXXX  complete their investigation in a little over 30 days but deleted the same information I am arguing with Transunion over. I have called the company and I get no where at all with getting information about this  XXXX  I supposedly owe. They say its  XXXX  I say ok send me the information and they hang up on me or try to get me to pay it.. I go to submit a dispute again to Transunion and again there is an error message on their website but this time I have no other disputes open. I have called Transunion about their website disputes issues and get put on hold bounced around and eventually disconnected.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX XXXX XXXX Account XXXX Date of Charge Off : XX/XX/year> Amount : XXXX I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.
Product: Mortgage

I purchase my house in XXXX XXXX and paid XXXX for my house then. I fell behind and filled bankruptcy in XXXX. Currently I am upside down on my home and Select Portfolio can not explain why I owe over XXXX for my home as of date.. I do understand there was fees but I should not owe more than I purchase the home over 17 years ago. It is like I stop paying on my home for 17 years in order for me to owe more than I purchase the house for in XXXX.
Product: Debt collection

I paid the bill months ago on the commercial acceptance website. They keep sending bills and calling. Today I called them and XXXX SCREAMED at me and I hung up on her. She wants proof of payment but does not give instructions of how to do it, instead screams at me. Not helpful at all and this is harassment!
Product: Checking or savings account

XX/XX/18 ... I'm running low on funds.. Trying to apply for payday loan, states my bank is blocking my financial records, have called and to no avail
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX XXXX, I am a victim of identity theft. I was in a car accident where my wallet with my ID, social security card, credit cards, and other sensitive information was stolen. I recently discovered that there are accounts and inquiries on my report that I did not authorize. I have filed disputes with XXXX, XXXX, and Experian and have yet to receive notice of an opened investigation.
Product: Debt collection

Comenity bank has been calling me from unknown numbers 7 times a day throughout this week since my payment became late on XX/XX/2023. I asked them to not call me excessively and that late into the evening, and they stated that they are allowed to call as many times as they want as long as its between XXXX and XXXX and insisted on that when I repeatedly asked to not be called excessively as it feels like harassment. I have missed calls for job interviews due to avoiding the phone because of their excessive calling from unknown and random numbers. They do not even verify that Im the right person when they call, just ask for my first name and go straight to demanding payment. I told them that I would pay the bill as soon as Im able on my next pay day, but they were at that point still insisting that they would call as much as they wanted to. They only relented and said they would stop when I said I would seek legal help with this is they did not stop. The amount owed is less than {$100.00}, I should not have to deal with days of harassment and rude phone calls when I am already agreeing to pay the debt as soon as Im able and kindly requested not to be contacted excessively.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
Account name : XXXX XXXX XXXX Account number XXXX In accordance with the Fair Credit report Act, Public Law 91-506, Title VI Section 611, please provide the names and business addresses of each individual with whom you have verified the above so I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my 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 XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021
Product: Debt collection

On or around XX/XX/24, I received an email from Eastern Account System inc with a bill from XXXX XXXX for {$99.00}. On XX/XX/24, I responded asking for a validation of the debt including original contract, an itemized statement that reflects that amount, the account number, service address, original creditor, and address. I received an email from XXXX XXXX stating that the validation was sent. On XX/XX/XXXX, I received a paper copy of a bill from XXXX. Simply providing a bill is not a validation of debt. On XX/XX/24, I explained that I requested a validation including a contact. On XX/XX/24, XXXX XXXX responded and said that I would need to contact XXXX for a contract. If Eastern Account Systems is collecting on a debt, they are required to provide full validation. If they can not do so, they must cease and desist from collecting or I will enter arbitration through XXXX as stated in XXXXXXXX XXXX  terms and conditions, at XXXXXXXX XXXX XXXX
Product: Mortgage

PNC bank, which I chose to handle my mortgage refinance loan, issued me a lender credit via email, but is refusing to provide me an updated Loan Estimate document reflecting this credit.
Product: Mortgage

on XX/XX/2019, an attorney that represented Midland Mortgage was send to tell me that the bank was filing a foreclosure on my resident. I reached out to the bank to apply for a repayment plan. I emailed and faxed to midland mortgage my application. I reach out to the a week later, they said they never received my application. so i send it again. For two weeks, I have been reaching out to them. I have spoken to 10 plus representative and a manager they claim was a lost mitigation manager and he was a collection person. I have not spoke to ANYONE from LOST MITIGATION. Every time I tried to talked to that department, Midland Reps. stated " they can't be reach or there's no way of calling them ''. 
On XX/XX/2019, XXXX bank wanted a quit claim from me which I email and faxed to them on XX/XX/19. On XX/XX/XXXX, i called and they said I was denied for a repayment plain because my net income was not high enough which I found was weird cause during the same week they asked me for a divorce decree. My net income is {$7100.00}. I spoke to a manager and he told me to send {$6000.00} in and see if they would put the {$5000.00} attorney fees toward the back end and send in my child support doc.. I called on XX/XX/XXXX, I spoke to another rep. who said that they need a letter from Massachusetts saying I was getting child support. I am so confused on how they can denied a claim in 2 days and no one single person from lost mitigation representative is assign to it where I can talk to them instead of 10 plus people from different dept. etc. customer service and collection but I have not spoken to Anyone from lost mitigation. I have called every other day and spoken to so many people that is not from that department who have given me no answers to question I ask or wrong answer. I would like to have the CFPB help me find a solution with this mortgage company since I feel they are not even working on it and just denying a chance for a repayment since I only owe {$11000.00} which part of that is attorneys fee. I can make a {$6000.00} payment on tuesday XX/XX/19.
Product: Checking or savings account

I banked with Wells Fargo between XXXX. Had constant issues with unauthorized withdrawals, frozen accounts, unable to close it after I had tried several times.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 state a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

attached is the letter from XXXX  XXXX XXXX  XXXX  stating from manager that she would delete the account appliance warehouse XXXX from my Transunion XXXX and XXXX ... .... reports after i have made and have made my payment of XXXX $ that we settled for and it was paid on XX/XX/2022. pls remove from all Transunion, XXXX and XXXX reports. thank u.
Product: Credit reporting, credit repair services, or other personal consumer reports

This information is incorrect. It has previously been removed and is now being reinserted. 

XXXX Account Type Credit Card Terms Date Opened XXXX/XXXX/XXXX Account Status Closed Payment Status Late Payment Status Details - Status Updated XXXX/XXXX/XXXX Balance - Balance Updated - Credit Limit {$750.00} Past Due Amount - High Balance {$720.00} Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX Ownership Individual account
Product: Debt collection

I settled and paid off this account. I was told by the representative that the account would be removed in 2-3 weeks. Instead of removing the account, they updated an incorrect balance. 

Because of this, I have reached out to the collector multiple times regarding the matter. Which they apologized and promised to resolve the issue but still haven't done so.