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

I have been requesting the credit bureaus Equifax, XXXX and XXXX to remove outdated accounts from my report now for over 5 months. This is causing major problems with my credit scores as these accounts are now outdated and outside of the Statue of Limitations for the State of Florida. I have sent several letters and copies of my credit reports to the bureaus to prove this matter and even sent these request to the collectors directly. Some have been deleted as request but a few are still reporting with no response as to why these have not been address since they are clearly outdated. There are 2 others accounts. 1 was already paid and still showing a balance and the other has no info on who the collector is or how I could attempt to investigate. I have requested this to be updated and asked the collectors to validate these dates as of yet, no response have been received neither from the bureaus or collectors. At this point, I don't know what else I can do to have this corrected on my reports. I read online that I can submit a complaint here as I simply have no other options. Please help me with this matter as this is causing me issues with my employer and future purchasing options. 
I thank you in advance for your assistance and response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX, XXXX CARD XXXX, and XXXX CARD XXXX have violated my rights. 

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 an account without my written instructions.
Product: Debt collection

XXXX XXXX XXXX were explains why I has to return their portable due to XXXX and was not working anymore. I voluntary turn the building in to them.They got me owing {$510.00}  on XX/XX/2017. They continued running this on my credit.
Product: Credit reporting or other personal consumer reports

I HAVE PREVIOUSLY DISPUTED ACCOUNTS THAT WERE OPENED FRAUDULENTLY DUE TO ME BEING A VICTIM OF IDENTITY THEFT. THIS COMPANY HAS IGNORED MY REQUESTS, ALTHOUGH I HAVE PROVIDED PROOF OF IDENTITY, A POLICE REPORT, FTC REPORTS, AND FILED A CFPB COMPLAINT PREVIOUSLY. I HAVE SINCE FILED AND WON A LITIGATION AGAINST XXXX FOR THEIR SIMILAR MALICIOUS TACTICS NEGATIVELY IMPACTING MY LIFE. I HAVE REACHED OUT TO EQQUIFAX MULTIPLE TIMES AND EXPLAINED THAT THEY HAVE BROKEN THE LAW BY REPORTING THESE FRAUDULENT ACCOUNTS ; FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. TODAY XX/XX/23 I SPOKE TO A REP AND SHE TOLD ME THAT THEY HAVE PREVIOUSLY REACHED OUT TO THE COMPANIES IN QUESTION AND THAT EQUIFAX DOESN'T DELETE ACCOUNTS OVER THE PHONE WHICH IS A LIE BECAUSE THEY HAVE DONE SO IN THE PAST. THE FCRA STATES THAT NO ITEM CAN BE REPORTED ON MY CONSUMER REPORT WITHOUT VALIDATION AND/OR MY PERMISSION. SO THAT IS ALSO A VIOLATION OF MY RIGHT TO PRIVACY. I HAVE NO CONTRACTS WITH THE ACCOUNTS LISTED ON MY FTC. I HAVE REACHED OUT TO ALL THE COMPANIES AND REQUESTED A WET SIGNATURE OR ANY PROOF COLLECTED TO VERIFY IT WAS ME WHO REQUESTED TO OPEN AN ACCOUNT WITH THEM ; THEY HAVE NOT BEEN ABLE TO PROVIDE ANYTHING, SO WHAT INVESTIGATION IS BEING DONE BY EQUIFAX IF THE COMPANIES THEMSELVES HAVE STATED THAT THEY DO NOT HAVE ANY PROOF? I SENT ANOTHER FTC, POLICE REPORT AND A LETTER TO EQUIFAX ON XX/XX/23. AND ON XX/XX/23 I RECEIVED A LETTER STATING THAT MY FTC REPORT WAS " NOT VALID '' BECAUSE OF MISSING INFORMATION, WHICH IT WASNT. HOW COULD IT BE " MISSING INFORMATION '' IF I FILED IT ON FTC SITE? THIS COMPANY IS COMMITTING BLATANT FRAUD.
Product: Mortgage

My mortgage loan was tranferred on XXXX XXXX, XXXX from XXXX to XXXX XXXX XXXX XXXX serviced by Shellpoint Mortgage Servicing. The mortgage payment includes escrow payments to cover property taxes and insurance. Shellpoint failed to make the property tax payment and claimed it is the fault of XXXX even though the loan was transferred on XXXX XXXX, XXXX and the tax payment was due XXXX XXXX, XXXX. At this point, I 'm not certain who is responsible but know the money has been collected by Shellpoint. On XXXX XXXX I received a letter from Shellpoint stating my escrow account has a surplus and they were refunding the overage but failed to explain why their was an overage. I did n't realize the property taxes were not paid until my federal income taxes were prepared. My first contact at Shellpoint claimed it was not their responsibility and to contact the previous mortgage company, XXXX. XXXX claims it is the responsibility of Shellpoint. My third attempt for resolution was a call to Shellpoint reaching another service representative. This person claims it is the responsibility of Shellpoint and the taxes will be paid by them but she could not provide a date when the transaction will occur. I will encounter additional fees and penalties if the taxes are not paid by XXXX XXXX, XXXX. I do n't know who to believe at this point.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : Social Security Number : To Whom It May Concern : 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : My Full Legal Name : XXXX XXXX My Address : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
I demand that all phone numbers are deleted. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX XXXX : XXXX - XXXX - XXXX Address : XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX Sincerely XXXX XXXX XXXX : copy of State ID and Utility bill showing proof of address
Product: Credit reporting or other personal consumer reports

This doesn't belong to me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that TransUnion will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : XXXX account number : XXXX
Product: Credit reporting or other personal consumer reports

I'm writing this letter to inform you I have found inaccurate information on my credit report. This information is fraudulent and I have no relationship to them. Please remove these information from my credit report immediately Inaccurate Addresses : XXXX XXXX XXXX, XXXX, NY, XXXX, XXXX XXXX XXXX XXXX XXXX, NJ, XXXX, XXXX XXXX XXXX, XXXX, NY, XXXX and XXXX XXXX XXXX, XXXX, NY, XXXX
Product: Credit reporting, credit repair services, 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 XXXX. Account name : # XXXX XXXX XXXX XXXX Account name : # XXXX XXXXDept of Education Account name : # XXXX XXXX/Dept of Education Account name : XXXX XXXX XXXX  Account name : # XXXX XXXX XXXX XXXX has violated my rights.

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: Checking or savings account

I am writing to complain that XXXX account or even closed it to avoid the fees. The account had {$12000.00} when I closed it XX/XX/2021. 


This is for a business that I own that is not active. 


The bank failed to send me statements for years. They said they didn't have my newaddress. My address is on the checks I wrote each year for the license renewal. 


THEY HAD MY ADDRESS TO SEND ME A BILL EACH YEAR FOR A SAFE DEPOSIT BOX.. 


The address can certainly be found on XXXX. The bank representative over the phone said they had returned mail on file. That too would have had my newaddress on it. My phone has not changed. 


This account has only been used by me to write 1 or 2 checks a year to renew license etc. 


It has been sitting there for almost 10 years with the bank taking from it. 


What are my options to have these unauthorized fees refunded to me? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX cell XXXX office
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I decided that I no longer want to use Coinbase cryptocurrency wallet, so I closed/deleted an account ( with XXXX funds on it ). On XX/XX/XXXX I was trying to sent my Ethereum from 3rd party website to my currently used wallet, but I accidentaly sent it to a address associated with deleted Coinbase account. I imediately contacted Coinbase support via e-mail and also made a post on XXXX  ( XXXXXXXX XXXX XXXX ). From Coinbase support I got an irrelevant ( probably automated ) reply that all transactions all irreversible. I also got contacted from one of the Coinbase XXXX moderators via the support ticket. She told me that my transaction was found in system and I should recreate my account so they can assigin my transaction to it. So I did that, replied and from that point I'm only waiting. It will be more than month now and I still didn't recived any reponse from them. Also, few days ago, I opened another support ticket, where I asked if they could finally look onto my problem. I will attach copy of both e-mails in .pdf file.
Product: Credit card

Capital One is preventing me from logging into my account to pay my bill. I have attempted to log in multiple times. On XXXX, XX/XX/year>, I was greeted with the attached message. I called the number provided and verified my information multiple times, yet I am still unable to access my account or make any payments. they said that I would able to log into my XXXX hours. I've been trying to log into my account. I even tried to make a phone payment and they can't process. I dont understand why they are blocking me from paying my bill. I am unable to make a payment through any method they offer. This is extremely concerning because I do not want to be charged late fees. I feel that it is wrong to prohibit someone from accessing their own account without a valid reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
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 Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of human trafficking of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 

XXXX account # XXXX XXXX XXXX account # XXXX XXXX Revolving account # XXXX XXXX XXXX XXXX account # XXXX XXXX account # XXXX
Product: Credit reporting or other personal consumer reports

NOTICE TO CEASE AND DESIST OF REPORTING UNAUTHORIZED NAMES FRAUDULENT NAMES & ADDRESSES THAT ARE FRAUD YOUR PLATFORM HAS AND CAN SUBJECTED ME TO IDENTITY THEFT DELETE IMMEDIATELY FOLLOW THE LAW TITLE XXXX PLAINTIFF : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX DEFENDANTS : DUNS # XXXX BONDED FOR SUIT FRAUD VIOLATION USC 1681a 1681G MUST BE REVIEWD BY A HUMAN MUST BE REVIEWED BY A HUMAN VIA XXXX CERTIFIED MAIL/RETURN REQUEST CERTIFIED # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX DEAR DEFENDANTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX READS : XXXX XXXX XXXX XXXX XXXXXXXX ADDRESS READS : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX MY XXXX READS : XX/XX/year> MY SSN LAST XXXX READS : XXXX My First & Last MIDDLE Name are as follows XXXX XXXX XXXX XXXX My Current Street Address is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me. I want to ensure that you are only retaining and reporting true, current, and ACCURATE information on my credit report per FCRA regulations 15 USC 1681a and I demand, as my lawful right, for any names and addresses other than what I have listed above and below be removed immediately as they are not accurate and untrue, My First & Last Name are as follows : XXXX XXXX XXXX My Current Street Address is as follows : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX  XXXX After you have completed my request, please send me a copy of my credit report reflecting these changes. My current CORRECT AND ONLY address FOR THE LAST 18 YEARS is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX EQUIFAX TRANSUNION EXPERIAN YOUR COMPANY IS SETTING ME UP FOR IDENTITY THEFT FRAUD PRIVATE AND PUBLIC FRAUD IF MY MAIL FROM YOUR COMPANY ENDS UP IN THE HANDS OF A SCAMMER YOUR CO WILL BE LIABLE AND I WILL SUE FOR NEGLEGANCE! DELETE ANY NAMES ADDRESSES THATS NOT IN THIS LETTER THAT IS HOUSING ON YOUR PLATFORMS! FIRMLY, XXXX XXXX XXXX XXXX Beneficiary of account/ESTATE XXXX XXXX XXXX not the trustee UCC1-308 WITHOUT PREJUDICE WITHOUT RECOURSE ALL RIGHTS RESERVE DELETE ANY FRAUD NAMES AND ADDRESSES THATS NOT MATCHING MY CORRECT DOCUMENTS IVE SUBMITTED AS PROOF AND DONT SAY THOSE FRAUD NAMES AND ADDRESSES ARE CONNECTED TO AND ACCOUNTS ITS FRAUD
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reporting items that are due to identity theft and per the law need to be removed. The XXXX breech has caused years of issues and now XXXX which is ID theft is once again reported. Please remove any information being reported on XXXX accounts immediately. This is against the law and needs to be removed. I have supplied multiple documents to support the breech and claims. I have filed an action with the FTC as well
Product: Credit card or prepaid card

On XX/XX/XXXX I bought a {$500.00} US Bank Visa gift card. Total cost was {$500.00}. When I opened the package the 3-digit security code on the back was missing or misprinted. I need this to assign a pin. I immediately called the number on the back of the card to get a replacement. I was told to fax three things : 1. front & back of gift card 2. government ID 3. statement of ownership I faxed this information on XXXX XXXX.

Two weeks from my first phone call I had not heard from US Bank. I called again today. I was told my fax was received but I need to send my purchase receipt. This was not requested before. No one at US Bank reached out to request this. They are treating me not as a customer but as a nuisance that should go away. 

Today I'm trying to fax again with a the additional documents but the fax fails before completion. Help!
Product: Credit reporting or other personal consumer reports

Reporting from : XXXX XXXX XXXX XXXX This company has invalid formation of {$17000.00} that I did not authorize ; under 15 U.S. Code 1681e ( b ), I am entitled to accurate reporting across all credit bureaus. The discrepancies in this accounts reporting violate this requirement and adversely affect my creditworthiness
Product: Credit reporting or other personal consumer reports

In an attempt to freeze my credit file with experian, somehow enlisted me in some service for an ongoing subscription. Each week, they attempt to charge a credit card but it isn't a card that I have so it's confusing. I've tried to cancel but there's no contact information and the telephone number they've provided doesn't provide any resolution. I have a free subscription with Experian : XXXX  # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : In XXXX, 2018. I disputed Bankruptcies being reported on my credit report by the Bankruptcy Courts. I provided a letter to XXXX, Equifax and XXXX that I received from the Bankruptcy Courts which states ; The Clerks Office does not provide information to credit reporting agencies. After there investigation the Bankruptcies were removed because the information reported could not be verified by the Bankruptcy court. In XXXX, 2018 the Bankruptcies reappeared. I deputed these items again but the result of the reinvestigation states ; The information reported was verified by the Bankruptcy Court which in fact it could not have been based on the letter that was provided to me by the Court. which I have attached a copy to this complaint to be verified. I ask that you please look into this matter to have these item removed permanently. Thank you for hearing my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I filed a dispute in regards to the inaccurate items on my report & I haven't received any results. 
There has been multiple attempts of someone trying to apply for credit in my name leaving behind inquiries reporting on Equifax and XXXX  and unverifiable accounts on my XXXX  report. I've sent in a few letters and have not been responded to regarding this matter.
Product: Credit reporting or other personal consumer reports

Re XXXX XXXX XXXX  To Whom It May Concern : ( XXXX XXXX ), ( XXXX XXXX ) I am writing in regard to the above-referenced accounts and transactions. This vehicle was repossessed by ( ( XXXX XXXX ), ( XXXX XXXX ) Please provide me with the pre and post sales letters, I never received them this account can not be reported to any credit agency without my written consent or the pre and post sales letters mailed to me. Under the laws of the State of ( State where the car was repossessed ) XXXX XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC Article 9 remedies.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is TRANSUNIONs duty to report correct and accurate information on my credit report and file, however they are NOT.

TRANSUNION is reporting 1 inaccurate late payments for the XXXX XXXX XXXX account ending in XXXX. This includes a 30 day late payment posted in XX/XX/XXXX for this account. 

In addition, TRANSUNION is reporting 3 late payments for the XXXX XXXX XXXX XXXX account. This includes 30 day late payments posted in XXXX, XXXX and XX/XX/XXXX for this account. 

In addition, TRANSUNION is reporting 3 late payments for the XXXX XXXX XXXX account. This includes 30 day late payments posted in XXXX, XXXX and XX/XX/XXXX for this account. 

In addition, TRANSUNION is reporting 1 late payment for the XXXX XXXX account. This includes a 60 day late payment posted in XX/XX/XXXX for this account. 

These are incorrect and need to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of the inaccurate late payments results in TRANSUNION violating my federally protected consumer rights. To add to this, I did NOT give TRANSUNION written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.