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

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3700.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$73.00} XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$4500.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 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 XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

Chase bank said that they received a legal order to hold my fund since XX/XX/2018. They did not want to release any information about this legal order. I being trying to get any information about this because I need to know what is happen with my accounts. 
I being calling the XXXX option 4 which is the Chase Court Orders and Levis and no one can give me any information than the I need to call back between 24 to 48 hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is still reporting a fraudulent account XXXX XXXX XXXX after I sent certified my fraud and police report, they are violating the FCRA federal law and section 601 which states that the credit has to block and remove any fraudulent information that is being reported on the consumer credit report. This is illegal and I will file a lawsuit against equifax if they do not remove the fraudulent account from my credit report. I have notified my consumer attorney and he is sure there will be a lawsuit filed for monetary relief.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent this letter XX/XX/XXXX, to all the 3 Major Credit Bureaus for investigation on inaccurate data on my credit report. I pointed all the incorrect information from Date of Last Activity, High Balance amount, last payment date etc. all different from each credit bureau. This is impacting me greatly because it is keeping me from making major purchases because of the inaccurate information on my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX To Whom This May Concern After recently reviewing my credit report I noticed several inconsistencies regarding account ( XXXX/ Acct # XXXX ) on the date of the last activity section. XXXX is reporting a date of last activity XXXX, XXXX is reporting a date of last activity XXXX and Equifax is reporting a date of last activity of XXXX. These accounts appear to be furnished by the same creditor so why is all the provided data different? It is your duty to ensure that all information reported is consistent and most importantly accurate and you have failed to do so. Please DELETE this erroneous item immediately. 
XXXX XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Unsecured loan Unsecured loan Unsecured loan Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$4900.00} {$4900.00} {$4900.00} No. of Months ( terms ) : 60 60 60 High Credit : {$6000.00} {$6000.00} {$4900.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$4900.00} {$4900.00} {$4900.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Profit and loss write-off Unpaid balance reported as a loss by the credit grantor. Charged off account Unsecured Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have requested that my old phone number be removed from my personal statement/identity theft alert and credit report over a dozen times the past several years. XXXX/Equifax/XXXX have ignored this request over and over and over again. 
I DEMAND THAT XXXX EQUIFAX XXXX REMOVE THE PHONE NUMBER XXXX FROM MY CREDIT REPORT, INCLUDING MY PERSONAL STATEMENT AND IDENTITY THEFT ALERT. 
I DEMAND THAT XXXX EQUIFAX XXXX REPLACE THE NUMBER ABOVE WITH XXXX IMMEDIATELY FROM ALL PARTS OF MY CREDIT REPORT, INCLUDING PERSONAL STATEMENT AND IDENTITY THEFT ALERT.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against 3 credit bureaus if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXXXXXX XXXX XXXXXXXX Balance : {$450.00} ; XXXX XXXX Balance : {$2900.00} ; XXXX XXXX XXXXXXXX Balance : {$2900.00} ; XXXXXXXX XXXX XXXX Balance : {$5100.00}.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Account Name : XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this.
Product: Credit reporting or other personal consumer reports

I had a Federal Perkins Loan while attending XXXXXXXX XXXX XXXX 

I became XXXX with life-ending conditions. I submitted a Total and Permanent Discharge to XXXX which was approved on XX/XX/2023. 

XXXX sent notification to XXXXXXXX XXXX XXXX for they and XXXX XXXX XXXX were handling the XXXX XXXX XXXX. 

XXXX and XXXX received notice from XXXX on XX/XX/2023 notifying them that a TPD discharge of federal loans had been approved and to 1. Discharge the Debt on their end or 2. Return the loan to XXXX and they would discharge it themselves. 

Because of various complications, this item has been appearing/disappearing from my credit reports for 6 months, and every time it reports my credit score plummets. Sometimes it shows the account open, sometimes closed, other times with many, many negative/derogatory marks, sometimes in deferment ( which it isnt ), its discharged. 


As of today, XX/XX/XXXX, I was notified by the CRA that I had a series of seriously delinquent late payments on my report. 

I have 5x120 day lates, multiple 30, 60, 90 day lates as well. 

Ive tried taking care of this matter but it seems futile. 

My health is extremely poor, and I have life-ending XXXX including an XXXX which will at some point end my life suddenly. 

Im not asking for sympathy, but perhaps some empathy. My credit reports and scores are the first thing Ive been waking up to everyday, and its the worst feeling ever.
Product: Mortgage

My mortgage is with Wells Fargo Home Mortgage ( WFHM ), Loan number XXXX. I have been trying to take advantage of the government programs to reduce my mortgage interest rate since XXXX XXXX and have received a run around from WFHM because I had temporary employment and unemployment income. XXXX XXXX I received a permanent job back in the federal government. I informed WFHM the moment I was accepted for the job but was required to present a letter of acceptance and income amount to prove I had a job, which I did. Then I was required wait and fax a copy of my paystub. I faxed copies of my paystub starting in XXXX. I was set up for a modification with 3 payments to be made in XXXX, XXXX and XXXX of XXXX. At that time I was told my interest rate would be XXXX. WFHM changed my Home Preservation Specialist and I was ignored there after until I started calling and complaining. I called every month since last XXXX. In XXXX my complaint to WFHM was excalated because their Title Department was saying that I had a lien against me that was holding up my paperwork. That was not true and I had to call the State of Ohio to obtain information and literally do the Title Departments job for them by printing and faxing the paperwork to WFHM that the the Attorney General 's office required to be completed to verify that there were no liens against me. The Attorney General 's office could not provide information to me to give to WFHM. I spoke with a young lady named XXXX who guided me to the website to obtain the forms to be completed. WFHM needed to contact the Attorney General 's office themselves which they refused to do. Everyone that I spoke to at WFHM on 3 different levels told me that it was my responsibility to clear up the lien issue and prove that the information for a XXXX XXXX was not me. Now after 10 months I finally received paperwork that has an interest rate of XXXX. I was told by XXXX XXXX that nothing would change from the initiation of this modification. It was approved with the initiation of the 3 trial payments and as long as I made those payments on time as required, the modification would be finalized as stated at the 3.385 interest rate. I have been struggling trying to get WFHM to work with me for two yeays, long before I ever got behind in my mortgage and have gotten a run around. Now they are changing rates on me and I want this to stop.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I contact Experian, XXXX and XXXX to have my personal information corrected. Which include name corrections, address and remove out dated information. XXXX updated the information without hesitation. Experian and XXXX would not perform the request.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX was removed and put back on ftc violatons
Product: Credit reporting or other personal consumer reports

Greetings!! it has came to my knowledge that my credit report has been inappropriately used or reported because there are some account on my credit report that i do not know anything about nor benefit from those account this must be due to some breaches.reporting inaccurate account on my credit report violate my consumer rights and I have contacted the parties involved to make sure that all the account listed that i do not authorized should be removed and deleted with immediate effect. 


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 was contacted by Portfolio Recovery about an account that they purchased from XXXX XXXX. I did not open this XXXX XXXX credit card and have no knowledge of it or the charges shown. I disputed it on XXXX XXXX when I first noticed it. They did not agree with the dispute. I did not pay it. Portfolio bought the debt. I started working at a company where I need a federal license and it is damaging my credit score so I was told by an attorney to agree to make payments to clear it since it was less than {$500.00} to do so. I made a payment arrangement and they pulled the first installment on XX/XX/21. I agreed to payments every two weeks thereafter until paid in full by XXXX. Another attorney got involved to resolve two other incidents with an identity theft claim and I was told to call Portfolio and cancel the payment plan. I did so last XXXX They would not provide a confirmation number or email confirming that the original plan was put in place nor that the cancellation was put into effect but I was assured they would not pull further payments. This morning, I found that they hit my bank account for {$100.00} again. I contacted the bank who advised that they showed a payment plan set for the future payments as well. I have to go to the bank to pay {$30.00} to put a stop payment on the company so they do not continue to pull unauthorized payments. The original XXXX XXXX card is being investigated by my attorney at this time as well. I would like to request that this be removed from my credit report as it is damaging and is not my debt to begin with. Thank you for your time. I will be reporting a second issue with my credit report under separate cover.
Product: Credit reporting or other personal consumer reports

hi I was a victim of identity theft and some one open credit cards and bank accounts on my name I got a police report and I've ben disputing fraudulent accounts to the XXXX credit bureaus when I see them by sending letters with supporting documents and most of the times the fraudulent accounts are deleted right away but there's ones like this that even with all the information they still say its correct and don't want to remove it that's why I'm reporting it to the CFPB for help and finally get it of my credit report. when I first notice this account I dispute it to the credit bureaus and after XXXX days it came back as accurate and I ask XXXX XXXX department why did it came back as accurate when they hade a different address and phone number then mine? so I call the bank directly and explain the problem so they ask for my address and phone number so they can contact me when the investigation was over and the account removed but instead a few weeks later a got a letter saying the the investigation was done and they have the correct address and phone number so nothing to do? the only reason they have my correct address and phone is because I give it to them when I call to resolve this problem. bottom line is this account is fraudulent and it needs to be removed of my credit report.
Product: Debt collection

I received a collection letter on XX/XX/2022 from American Coradius International LLC XXXX XXXX XXXX XXXX., XXXX XXXX XXXX, NY XXXX They claim I charged {$510.00} on a XXXX XXXX XXXX XXXX account. They claimed a credit or payment had been made for {$130.00} and I currently owed {$380.00}. 

THIS IS FRAUD AND FALSE I never had a XXXX XXXX in XXXX account. I never charged {$510.00}. 

I called XXXX on XX/XX/2022 at XXXX and XXXX XXXX the letter is fraud. There are no transactions on any account in my name for that amount. The XXXX transaction ID is incorrect. 

The letter was sent to my address, but did not use my correct legal hyphenated name. 

I'm concerned people with think this is real and pay it since it's debt collection. 

YOU NEED TO STOP THEM FROM SENDING THESE LETTERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorized these inquiries
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX Account number : XXXX * Account name : XXXX XXXX * Account number : XXXX Account name : XXXX XXXX XXXX * Account name : XXXX * Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX * Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter with XXXX XXXX on the envelope. My mother 's name begins with a XXXX I do n't know if whoever was suggesting something. I have never received anything like this before from the company.
Product: Mortgage

Originally approved for a modification in XX/XX/2018 and agreed to make the payments although it was returned due to failure of signed agreement which I never received. Was posted for Sheriff Sale twice which I petition to postponed and had to pay XXXX each time. The judge postponed it since I was not given the proper paper work and I am now having to reapply again. I asked to get an interpreter and have the paperwork in XXXX. I never received it. I am still waiting.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX breach cause the ftc violation on the XXXX XXXX/ XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not authorize these companies to pull my credit. Please have these removed as soon as possible. thank you. 

XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Inquiry : XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself. This company is currently showing 30 days late for the month of XX/XX/2020 in Equifax. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately. 

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

I received a bill for a credit card I do not have. My address was written wrong and I am being charged {$33.00} from Comenity - XXXX XXXX XXXXXXXX. I've never heard of them before. I XXXX them online, they seem to be legitimate but they got one star reviews for fraudulent and it seems they make their money from interest. I am assuming these reports are from people who have the card at hand. I don't have anything to prove that I opened an account with Comenity.
Product: Student loan

Report phishing Recently, my email account and personal information were stolen. I am reporting it now, but the amount of damage is too large.
Product: Debt collection

Two years ago, I had XXXX internet service. My satellite had to be worked on more than once, resulting in loss of service and even on most days I didn't have service any way. The last representative I spoke to told me my satellite never worked correctly in the first place and he waived my early termination fee. But every so often, they still turn it over to a collection agency, I have to make angry calls, and then the Bill disappears. They have done it once more and I am just so tired of it.
Product: Credit reporting or other personal consumer reports

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXXXXXX XXXX  XXXX SECTION XXXX A. STATES I HAVE THE RIGHT TO PRIVACY. XXXX XXXX XXXX SECTION XXXX SECTION XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
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 USC 1681. 1. 

1. XXXX XXXX XXXX XXXX  # XXXX 2.XXXX XXXX XXXX # XXXX 3. XXXX XXXX XXXX # XXXX 4.XXXX XXXXXXXX # XXXX has violated my rights. 



15 U.S.C 1681 section 602A. states I have the right to privacy.

15 U.S.C 1681 section 602A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681 c ( 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.