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

This is my second time writing you to update my personal information. 

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 : 1. My Full Legal Name : XXXX XXXX 2. My Address : XXXX XXXX XXXX, XXXX LA 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I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above.

15 USC 1681 a My only Phone number is XXXX Delete any and all other phone numbers. 
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 : YOUR NAME - XXXX XXXX ADDRESS - XXXX XXXX XXXX, XXXX, LA XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( b ) REASONABLE PROCEDURES It is the purpose of this subchapter to 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 The current personal information being furnished is inaccurate, not relevant out dated information. 

15 U.S. Code 1681e - Compliance procedures,, ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

The Consumer reports must be accurate this is law! Please make all the correct updates as requested and delete all old inaccurate outdated and irrelevant information from my consumer report! 

Once this is done please send me an updated copy of my consumer reports reflecting only the correct information below. 

Name : XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX, LA XXXX
Product: Debt collection

In   XXXX   I went to the hospital near where I live in  XXXX  Connecticut I sat there for two hours they did nothing for me I left that hospital proceeded to go to another hospital where I actually receive treatment they claim I owe them {$85.00} for taking my name I am not going to pay it I am getting harassing calls all day long every single day the phone numbers come up with different names different states today 's came up as  XXXX   XXXX  I 've repeatedly told him I will not be paying this and they continue to harass me everyday everyday
Product: Checking or savings account

Have a savings account with US Bank. It was just a couple XXXX dollars and it was closed about 5 months ago. 

I was told I would receive a check for the balance of the account but there appears to now be no communication or remittance of the balance. 

The account may remain closed, I am merely looking for the funds to be issued to the address on the account by check ASAP to formally complete this matter.
Product: Payday loan, title loan, personal loan, or advance loan

On XXXX I was in an urgent situation and needed a payday loan as soon as possible. I applied online and was approved for {$1000.00} payday loan. I received a call from XXXX XXXX immediately after I received the notice that I was approved. I called back XXXX XXXX XXXX XXXX XXXX XXXX spoke with the rep and gave them all of my information just confirming what they had on the application, my Social Security number my bank routing number my pay dates and I was told that I would receive the deposit within the next business day by XXXX  because I had completed the application after XXXX XXXX on that day. I never received deposit/loan so I emailed them this message below. On XX/XX/XXXX to XXXX Hello - I still have not received my loan? What is going on this was meant to be for an urgent matter?!?! I dont need the loan anymore if it is going to take longer. I was told it would be deposited by XXXXXXXX XXXX XXXX 


I never heard back. I only received a letter saying that my application was denied adverse reaction so Im very concerned now that they scammed me into just getting my personal information and I want this to be reported. I tried getting on their website and it says it is no longer found, or it is not working.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX  Account info Account number XXXX I have my own XXXX XXXX and its paid on time XXXXXXXX XXXX XXXX XXXX Account info Account number XXXX {$21000.00} This is not my account My address is not XXXX XXXX XXXX XXXX XXXX fl XXXX I live at XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX fl XXXX for 6 years
Product: Credit reporting or other personal consumer reports

I asked for the account to be deleted and XXXX never deleted the account. The account still says credit limit or original amount is XXXX from XXXX XXXX XXXX. On my credit report after they was finished with my dispute I asked for that to be deleted and they never updated this on my credit report I dont live in New York , so this is identity theft, which I made a complaint with XXXX already. Somebody use my name to cut gas on in another state. This is what this situation is about. 
Date opened : XX/XX/2023 Address ID # : XXXX Type : collection Responsibility : individual Terms : one month Monthly payment : not reported Credit limit or original amount : XXXX High balance : not reported
Product: Student loan

The Loan servicer Ed Financial is reporting inaccurate information on my credit reports to all XXXX  bureaus but when i call them they are explaining that they have no information in their systems relating to me owing on any student loans also the loan servicer aid vantage is reporting a difference of XXXX dollars on my loans that I'm not responsible for and could be possibly connected to fraud this situation needs proper investigation and need t be removed from my credit report since they are not able to find any information of me owing them for a student loan in there system.
Product: Mortgage

I have a conventional mortgage loan with NewRez LLCXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX PA XXXX. I have paid my fee of {$150.00} for appraisal to NewRez for cancellation of PMI on XX/XX/2020. My loan amount is approx $ 55k and the property is appraised at $ XXXX. They continue to delay the cancellation of {$75.00} per month with no clear explanation. I have called numerous times and spoke to countless supervisors and still as of XX/XX/2020 they have not resolved the issue.
Product: Mortgage

Starting XXXX XXXX I called Citizens Bank to talk about doubling up on payments i was then advised not to send in anything that A loan modification that way the past due payments would be placed at the end of the loan also that this would suit me best. The rep stated the application would be sent to me via mail. I received the application submitted it as well with the required documents I could never speak directly to my lender as the voicemail was always full or she wasnt available. I received numerous of letters stating my application was incomplete and that I was missing paystubs. This went on and on for months even after communicating with her assistant and him advising me and telling which ones were so called missing I resubmitted the same documents and waited for a response by this time it was The end of XXXX. I then finally spoke with my lender and she then stated that she had to close my application due to it being open too long also after figuring out that she not only had received all the needed documents but All needed pay stubs and that she was under the impression that I had two jobs. I even mentioned that I would get a letter from my employer if needed proving that it was the same company. She said no then went on to say that I can just resubmit the same documents and to change the date on my application because she had no choice but to close this one out. I did so as she recommended to only receive the same letter stating that my application was incomplete in XXXX. I called citizens numerous of times distraughted that i was about to experience the same thing. The following week i started to receive letters about foreclosure and letters being placed on my door. I made several attempts to call and speak with citizens only to get the same recording of a full voicemail. I then went to a hud counseling agency submitted the documents and we both to this day have not been able to reach citizens about the situation.
Product: Checking or savings account

I have had several bank accounts that I found out were frauded. The person who I was dating hacked my phone and was doing fraudulent activities with my bank accounts, XXXX XXXX and my credit cards. I have never had any fraudulent activities problems with my bank accounts, credit cards, etc until recently. I found out he was making transactions such as XXXX transactions to my bank account and then sending the money through my XXXX, which was also closed out. I had not given any authorization for this to be done. I also found out he was doing the same thing with my credit cards. I have my passwords and other information saved in my phone and he hacked my phone to get this information. It was not me doing the transactions. I could not figure out why my accounts keep getting closed until I decided to ask the last bank why they were closing my account. They said due to XXXX activities they were deciding to close my account. I had not done any XXXX activities so when I went in and looked at my XXXX, XXXX XXXX  and credit card activities, I realized that he was doing these things with my accounts. Now I feel I'm being punished for his actions. I will admit that I may not have paid off my credit cards or bank what I owe them, but I have never done fraudulent activities. You can look at my credit history with my credit cards, bank account, etc. I'm asking that you please take this information into consideration and remove this information which has prohibited my in keeping or getting a new bank account. I now have to use pre-paid debit cards, which I have not had in a longer time. I was told by banks that I could never open up a bank account with them again, which now I understand why I was being told this. Thank you. 
The banks were XXXX  XXXX XXXX, XXXX XXXXXXXX XXXX  and Truist Bank
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my updated report, the accounts listed below are still showing on my credit report. I have already sent out letters to Experian Bureau for them to verify and investigate those accounts. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX Balance {$0.00} Date Opened : XX/XX/XXXX {$0.00} XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX {$0.00} ( XXXX  XXXX bankruptcy ) XXXX XXXX Balance {$0.00} Date Opened : XX/XX/XXXX {$0.00} ( XXXX  XXXX bankruptcy ) XXXX XXXX XXXX Balance {$0.00} Date Opened : XX/XX/XXXX {$0.00} ( XXXX XXXX bankruptcy ) XXXX XXXX Bankruptcy Status : Discharged XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX {$0.00} ( XXXX  XXXX bankruptcy ) XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ( XXXX XXXX bankruptcy )
Product: Debt collection

They continually called asking for me but they would not verify what they were calling about or what company/buisness they were with, they would only repeat their name and say they couldn't give out that info until they verified that it was me. Which obviously I refused as it seemed very scam like. After months of receiving the call I gave the number a call back and got the company ( Glass Mountain LLC ) which is a debt collector trying to obtain a medical debt. I sent out a Debt Validation Letter with a tracking number and signature confirmation on the XXXX XXXX XXXXXXXX XXXX the signed/received it on the XXXXXXXX XXXX XXXXXXXX, and just called again today on the XXXXXXXX XXXX XXXX with no Letter or ANY information being sent back. So they are clearly ignoring the letter and regulations.
Product: Debt collection

I am extremely dissatisfied with your bureau 's failure to comply with the law regarding accurate reporting on my credit report. There is fraudulent information present, violating my consumer rights. Whether due to inaccurate, incomplete, or unverifiable reporting, it's crucial that your bureau promptly corrects and removes this misinformation. 
XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to open a checking account with TD Bank on XX/XX/XXXX. 
Information provided to TD Bank by a third party identification verification information company reports a fraud alert is attached to my post office box address so I can not open a new account. 
This information is incorrect because another person not related to me used my XXXX XXXX XXXX a few years ago for himself and his family. Numerous bills have arrived and apparently are unpaid resulting in a fraud alert related to my address. In checking with one of the credit report agencies, I have found that my credit is good and they have no fraud information reported related to my credit history. 
The matter is complicated due to the fact that this person has the same last name as me. TD Bank would not provide information to me as to the " third party '' company or companies they subscribe to for this service. so that I can attempt to correct the erroneous information. Any assistance will be appreciated.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ 1 ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Issue # 1. Insufficent Investigation Violation of FCRA : Unfair ( A proper investigation would have revealed that it was not my account ). 

XX/XX/XXXX After a review of my credit report, I discovered that a XXXX XXXX account was opened fraudulently without my authorization. At that time. I filled out a police report and FTC Identity Theft Victims Complaint and Affidavit. ( See both attached reports ). 
After another review of my recent credit report, I noticed that this fraudulent account is still on my credit report and unfairly negatively impacting my credit score. 

XX/XX/XXXX I wrote a letter to TransUnion requesting that they validate and investigate this account because it is not mine. ( See attached report ). 

XX/XX/XXXX TransUnion sent me back a correspondence indicating that above referenced account had been validated. How can this be when I never authorized or submitted an application for this account or card. TransUnion did not provide me with any documentation or contract with my signature on it requesting to open an account, or any other documents that prove I opened this account. ( See attached letter ). 

In my letter XX/XX/XXXX letter to TransUnion I specifically asked to see confirmation of a contract with my signature authorizing this account to be opened by me. TransUnion wrote letter back to me on stated that their investigation was verified without any information or documentation as requested by me. 

My respectful request is that CFPB assist me in having this XXXX XXXX deleted from all three major credit bureaus because I did not open or give permission to anyone to open this account in my name. I am a victim of identity theft. This account is further victimizing me as is negatively impacting my credit score. 

Issue # 2 Inaccurate and Incomplete Information on Credit Report Violation of FCRA A review of my credit report reviews that it is inaccurate in the following areas for the XXXX  XXXX account which is attached hereto : ( See page # 14 of attached credit report ) 1. Date Opened- TransUnion XXXX XXXX and XXXX all have different dates opened reporting 2. High Credit-TransUnion, XXXX and XXXX all have different high credit amounts reporting 3. Last Date Reported-TransUnion, XXXX and XXXX all have different last date reporting 4. Date Last Active- TransUnion , XXXX and XXXX XXXX have different date last active reporting 5. Date of Last Payment- TransUnion and XXXX have a different date of last payment reporting than XXXX XXXX. 

Accordingly, Pursuant FCRA, I am respectfully requesting that this account be deleted from TransUnion, XXXX and XXXX Thank you ***All reports mentioned are were uploaded to this portal
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX, XXXX, and Equifax about reporting and sharing certain information about me without my authority or my written consent which is a violation of my rights as a consumer. These three companies are also violating my right to privacy by reporting these accounts. The accounts are as follows : XXXX. XXXX XXXX XXXX - Acct # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX - Acct # XXXX XXXX U.S.Code 1681 ( a ) ( 4 ) states the consumer 's right to privacy. 

Notice, it is a fact, I, the consumer has the right to privacy pursuant to 15 U.S.Code 1681 ( a ) ( 4 ). XXXX, XXXX, and Equifax has violated my right to privacy by furnishing private information about me without any lawful authority or my written consent. 

15 U.S.Code 1681b ( a ) ( 2 ) states Credit Reporting Agencies need written instruction to make a consumer report by the consumer. 

Notice, it is a fact, I, the consumer is aware a consumer reporting agency needs written instructions by I, the consumer, to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. 

15 U.S.Code 1681 ( b ) states Credit Reporting Agencies must follow reasonable procedures. Must be fair and equitable to the consumer. 

Notice, it is a fact, I, the consumer is aware, all consumer reporting agencies, must follow reasonable procedures pursuant to 15 U.S.Code 1681 ( b ). The reasonable procedures listed were not followed and this a violation of 15 U.S.Code 1681 ( b ).

In conclusion, These companies have violated plenty of my rights as a consumer. With that being said, I demand they remove all the accounts listed below. If my demands are not met, my next step is to take each company to federal court to show where they violated my federal rights as a consumer and sue each credit reporting agency. 


XXXX. XXXX XXXX XXXX - Acct # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  - Acct # XXXX
Product: Checking or savings account

On XX/XX/2022 I woke up to a {$38.00} XXXX XXXX by Key Bank. I have REPEATEDLY told this bank I DO NOT want overdraft protection and have opted out of such a " so called '' service. Instead, Key Bank keep finding loopholes to take my money any way possible. I called the bank on the morning of XX/XX/2022, and the representative XXXX mentioned that " it's at the bank 's discretion to charge an overdraft charge and not the choice of the consumer. '' Really? I want my {$38.00} refunded NOW! 

Key Bank repeatedly finds loopholes in their attempt, in XXXX way or another, to pocket free money from innocent consumers who are struggling making ends meet. Enough is ENOUGH!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am complaining to the CFPB that XXXX is retaliating against me for filing disputes against them for being dishonest and lying with regards to several disputes against XXXX and XXXX XXXX XXXX, and proved that XXXX had lied when they claim to have investigated these validation disputes regarding two medical bills being reported by XXXX XXXX XXXX, where they admitted they never had validation for years and all three credit Bureaus lied when they said they investigated. If they had of investigated the disputes they would of found there was no validation info available until two months ago when XXXX  sent me a medical statement violating my HIPPA protection and have lied to the CFPB. 

XXXX are now retaliating against me and making my score low and leaving inquiries I have no connector with on my credit report and has systematically refused to remove inquiries off my credit report even after me providing the identity theft report and a police report. 

Retaliation. Please notify law enforcement. 

Someone tried to sabotage my credit report and none of these accounts have nothing to do with any of my accounts the XXXX which I verified. 

I have also placed fraud alerts as required, have followed all procedures, and I want an investigation into their failure to follow procedures. 

Again, per there request I have submitted an identify theft report and police report almost 4 times now to XXXX on inquiries that I did not create or consent to. They are not affiliated with any account that I began using after this date of each individual inquiry that was provided to them specifically for those inquiries as listed on the identity theft report. XXXX refuses to remove those inquiries provided to them months ago - that I once again, did not create or consent to. XXXX needs obey the law and remove these inquiries immediately as provided to them in the government documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid fair capital LLC on XX/XX/23 and I would like for my account to be updated as paid in full and or also deleted from credit report..