23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have consistently paid this account on time, and the presence of an inaccurate late payment is causing me significant anxiety. I am unable to sleep properly due to this issue. Please promptly update my account and remove any incorrect information to alleviate this stress. I am begging you to take action as soon as possible.
Product: Checking or savings account

A Capital one 260 account was opened in my name on XXXX XXXX,2022, without my permission. My credit was pulled for the account which caused my credit score to go down on XXXX/XXXX/22. The account was open fraudulently. They had mailed out a debit card to the address but Capital one wouldn't give me any information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.
Product: Credit card

I paid for service from XXXX XXXX in XXXXXXXX XXXX on my MACU credit card. 

They did not repair and caused damage to my house. 

I dipsuted the charge with Mountain America Credit Union in XXXX XXXX  who adked for photos, receipt and letters from plumber and the builder which I all provided in a timely matter. 

Then they reversed the charge. No reason given, no letter provided. Saying they could not get ahold of XXXX XXXX XXXX XXXX 
XXXX
Product: Credit reporting or other personal consumer reports

My Equifax credit report has a XXXX XXXX  account that is not mine. 
I tried to report a fraud with Equifax but I cant The Equifax gave me a phone number but that number doesnt exist ( XXXX ) XXXX The information XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX MO XXXX Account number XXXX Balance {$2400.00} ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of identity theft and fraud due to a recent data breach. As a result, there are fraudulent accounts and inquiries on my credit report that I did not authorize. 
Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts and inquiries be blocked and deleted from my credit file immediately : Fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

MY XXXX MTG COMPANY HAS BEEN RENEWING MY MORGAGE OVER AND OVER AGAIN, THE LAST TIME ON A ONE YEAR BASIS AND ASKS FOR EXCESSIVE CLOSING COSTS OVER AND OVER AGAIN. THEY CONTINUE TO REQUEST NEW APPRAISALS ON A LOAN THAT IS OVER TENS YEARS OLD. 
I THINK I 'M BEING TAKEN ADVANTAGE OF.
Product: Checking or savings account

On XXXX separate occasions I have had money taken from my account after already blocking the merchant who was trying to get my money! I also called and spoke to customer service about XXXX or XXXX different times in regards to them not allowing that merchant to come through and take my money and they still continue to let them take my!
Product: Credit reporting

Experian is reporting incorrect personal information that I have sent multiple times to remove it. 

Incorrect Names : XXXX XXXX XXXX XXXX Incorrect Social Security Number : XXXX Incorrect Address : XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I applied for a credit card transfer with Bank of America and was denied with incorrect information! I contacted Bank of America about this matter and the representative told me that I had to file a dispute! But I contacted XXXX to ask them to file a dispute. They told me that the Bank knows that they have to take care of this matter themselves and that their XXXX representative will be contacting them. As a consumer I have a right to protect my credit report especially when there are inconsistencies on it! Also, I contacted Bank of America once again about the issue today XX/XX/XXXX and was told that incorrect information would not affect the decision! How can a consumer protect their credit report? Or the Banks are not held accountable for reporting incorrect information? This impacts my credit report greatly! Does the consumer not have any rights! It seems like the banks and big businesses have all the control and rights over the small consumers! They have the control over dedicating montenary value! In other words, who gets what, how much and preventing others from acquiring personal property etc. and affecting their life styles! Not fair!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Department : Remove fraudulent accounts from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit bureau deleted an chapter XXXX bk on XX/XX/2020 then added back on XX/XX/2020 the source that they say they got the information from I have letter stating they havent discussed or communicated any information pertaining to me with anyone
Product: Credit card

on XX/XX/XXXX my wallet was stolen with all my credit cards. On XX/XX/XXXX I notified XXXX XXXX all my credit card companies. My credit card tomorrow all reissued. All my credit card companies are still reporting to all The credit reporting agencies except for XXXX, First Progress Bank. I have allowed adequate time and have kept checking my credit file for them to update the account which was XX/XX/XXXX. It still has not updated on either of the XXXX credit reporting agencies. I contacted XXXX today and ask them why it is not reporting to the XXXX credit reporting agencies they responded it is reporting. I indicated I have checked and I would check with them while I was on the phone with them I confirmed neither XXXX XXXX nor XXXX shows an open account with XXXX. It shows closed accounts with them. They asked me to provide a copy of my credit report them I said the burden of proof is not mine but there 's the credit card agreement with them is that they are to report to the credit bureau 's. I filed an escalation claim with them. So now I 'm afraid that I 'm going to suffer the same detrimental effects that I have with XXXX XXXX for nine months I 've been struggling to have them repair the same issuue! To no avail! so again it 's going to cost me money and time to remedy the problem or error that is not mine. Please help me in resolving this matter. Time is of the essence! 60 days is not required or acceptable to resolve the issue it 's adversely going to affect my credit and my health. again, I went through the same thing and I 'm going to the same thing with XXXX XXXX will buy the state and they have kept on stating the same thing we fix the issue and it is reporting to your credit report and it is not reporting to XXXX with XXXX XXXX now with XXXX XXXX it is not reporting to any of the XXXX credit reporting agencies they stay it it is I reviewed all three and is not reporting to any of the XXXX. I do n't have access to print all XXXX I can view all XXXX through an app on my phone. I will attach what I can through your website.
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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I had a credit card with XXXX 's that was opened in XXXX. XXXX Charged the account off and sold it to a debt agency by the name of Resurgent. However, both XXXX and Resurgent were reporting to the credit agency. One, under credit cards and the other under collections. I've never received mail correspondence from Resurgent about this account and as of XX/XX/XXXX the balance has gone up, when it was a different amount just a week ago. The balance owed has gone from estimated {$2100.00} to now {$2400.00}. I have no idea why
Product: Checking or savings account

I have been trying to reach the branch manager for a week.I opened up a account XX/XX/XXXX online.The XXXX branch refuses to give me access to my account until i produce a social security card and utility bill.I currently don't possess a social security card.It is a delay in processing social security cards it takes months to arrive due to the pandemic.I offered commercial drivers driver 's license, I offered avalible proof from the social security administration.I offered credit cards, i offered photo copy of my social security card.i offered mortgage statement i offered property tax receipts, i offered real estate broker license, i offered vehicle registration, i offered homeowners insurance bill.Proof of address???? Only a utility bill nothing else??? A gross tenancy is when the landlord pays the utility bills and the tenant only pays rent.So if am under a gross tenancy i cant get my money out the bank?
Product: Money transfer, virtual currency, or money service

Paypal blocked my account for no reason i am a XXXX and use paypal just for my everyday hard earned money to get paid i dont have any options for get my earned morunning again.ney to transfer i will be thankful to get my problem solved and get my account that is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you a 2nd request on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. I need the following items to be correct as soon as possible : 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

According to 15 US code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please remove this item IMMEDIATELY! This account should not be furnished on my consumer report as they are in VIOLATION!! Under, 15 US code 1681b - Permissible purposes of consumer reports ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. I'm demanding that the listed account be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 IDNotify ( experian ) contacted me because of a breach of data asking if I wanted complimentary security protection. I agreed. In XXXX experian contacted me for security protection to register for what I thought was extending the complimentary program I already had. Nowhere did it say i was going to be charged for a membership ... this is for a service I already had that they are baiting and switching for a fee!!!! When contact they said it was non refundable. I spoke to a supervisor who was totally unsympathetic. This is confusing to the public. I demand that they cease and desist confusing customers they already are doing the sale service for by operating under the guise of complimentary.. one is apparently ID Notify and the other is Experian Express . The supervisors name is XXXX. Please contact me with what recourse I have with this unethical practice under the jurisdiction of fair credit reporting. This must stop!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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



XXXX XXXX  XXXX Account number XXXXXXXXXXXXXXXXX - IDENTITY THEFT XXXX XXXX XXXX Account number XXXX - IDENTITY THEFT XXXX XXXX  XXXX Account number XXXX - IDENTITY THEFT 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I filed two complaints with two different Credit companies and I was asked for more information and was told to call you and now Im filing a complaint because I have never had a account or any kind of business with XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 request the removal of negative information from my credit report that has exceeded the seven-year reporting limit, as specified by the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX {$460.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00}
Product: Debt collection

Aldous & Associates XXXX XXXX XXXX XXXX, UT XXXX Account states XX/XX/XXXX, in the amount of {$87.00}. The account was placed on my credit report as a collection and the account is listed as open. I called the company to ask for some documentation to prove the debt validation and was told a letter was sent to my address. Also, was emailed on XX/XX/XXXX ( today ) the amount owed, how to pay it and that they sent a letter to my home but does not disclose my full address. The email states my file is placed with there office. The agreement is not provided, also this company has never contacted me through email prior to me calling today. 
I did not receive not received a letter of validation or giving the opportunity to dispute the date, before it was placed on my report. If in fact you believe I received the letter please send over a copy of the certificate of mailing with my signature. Furthermore, the debt is over XXXX years old and the statue of limitation has expired on this debt according to CCFA. Also, Aldous & Associate are not licensed to collect debt in the state of New York.
Product: Student loan

Called to request Payment hsitory information to request a refund of overpayments due to my loan being forgiven for being in repayment for over 20+ years. I began repayment XXXX, and made regular payments. My loan forgiveness date is effective as of XX/XX/XXXX. It should be effective in XXXX. With the correct effective date I would be entitled to a refund of all payments made from, minimally, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Discover XXXX XXXX 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.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the persistent inaccuracies and fraudulent entries on my XXXX credit report. Despite my repeated efforts to address these issues directly with XXXX, they remain unresolved, and I am deeply concerned about the negative impact on my credit profile. 

Fraudulent Addresses : XXXX has repeatedly added addresses to my credit profile that do not belong to me. These include a po box and an address in Virginia, neither of which I have ever owned, used, or been associated with. I demand that these erroneous addresses be removed from my credit report immediately. Retaining incorrect addresses that are tied to debts not belonging to me is fraudulent and unacceptable. 

Outdated Credit Scores : Within the XXXX platform, my other two credit scores have not been updated for nearly two years. This lack of accurate updates severely hampers my ability to understand and manage my financial health. I request that all credit scores on the XXXX platform be updated to reflect the most current and accurate information. 

Disputed Accounts in Collections : I have disputed several accounts in collections that do not belong to me, yet XXXX has claimed these accounts were verified without conducting a thorough investigation. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). Proper verification requires a reasonable investigation, and based on the information I have received, this standard has not been met. I request immediate removal of these accounts from my credit report. 

These ongoing issues constitute negligent and potentially illegal practices by XXXX. Failing to correct inaccurate information after disputes is a violation of federal law and severely damages consumers like me. I urge XXXX to : Remove the fraudulent addresses and ensure no further incorrect addresses are added to my profile. 

Update my other two credit scores within the XXXX platform promptly. 

Remove the disputed accounts that were not properly verified through a legitimate investigation. 

Please treat this letter as a formal complaint and take immediate action to address the inaccuracies in my credit report. If these issues are not resolved promptly, I will have no choice but to escalate this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and exploring legal remedies. 

I expect written confirmation that these corrections have been made within 30 days of receipt of this letter. Thank you for your prompt attention to this urgent matter.