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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX MT XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00} ; US DEPT ED XXXX XXXX opened XX/XX/XXXX Balance {$0.00} ; US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00} ; US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00} ; US DEPT ED XXXX Date opened XX/XX/XXXX XXXX {$0.00} ; US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00} ; US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00} ; US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$13.00}. According to FCRA Section 605B ( a ) the 3 CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting

Incorrect reporting of my status by Equifax.. 

The status under federal law needs to be reported as Mortgage included in Bankruptcy. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Mortgage Loan # XXXX United States Bankruptcy Court for XXXX XXXX XXXX XXXX Florida Bankruptcy Chapter XXXX Case Number XXXX Filed XXXX Debtor : XXXX XXXX XXXX SS # *********** Equifax needs to correct my account status as Mortgage included in Bankruptcy.
Product: Debt collection

A third party debt collector called my personal cell, my spouse, and then my employer. They disclosed false information to one of my coworkers that I was scheduled to be subpoenaed to court and demanded that he transfer them to me. They also told my spouse that they were being uncooperative because she would n't give me the message without knowing what the complaint was. 

XXXX with Direct Capitalgave the number of XXXX ext XXXXcalled from XXXXalso from XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the removal of several fraudulent inquiries that persist on my credit report, which have been negatively impacting my creditworthiness. I have made numerous attempts to address this issue but have not seen any resolution, and the inaccurate information continues to tarnish my credit history. 
I have never authorized or initiated any of these inquiries, and they are entirely fraudulent. These unauthorized inquiries have the potential to harm my financial stability and damage my credit score, which is why I am making this formal request for their immediate removal from my credit report. 

I kindly request that you conduct a thorough investigation into these inquiries and provide me with written confirmation of the actions taken to rectify this issue. Per the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and up-to-date credit information, and these fraudulent inquiries are a clear violation of this regulation. 

Enclosed with this letter, please find the following documents for your reference : A copy of my government-issued identification to verify my identity. 
Any supporting evidence that these inquiries are indeed fraudulent, such as police reports, affidavits, or other relevant documents. 
A copy of my credit report highlighting the fraudulent inquiries. 
I kindly request that you send me a written response within 30 days of receiving this dispute letter, as mandated by the FCRA. The response should include the results of your investigation and the actions taken to remove the fraudulent inquiries from my credit report. 

Additionally, please ensure that you notify all the creditors associated with these inquiries about the disputed information, and provide them with the relevant documentation, as required by law. I am asking for your immediate assistance to remove the following fraudulent inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband ( XXXX XXXX XXXX ) opened an account XXXX in XX/XX/XXXX. On XX/XX/XXXX I was added as account supervisor to my husbands XXXX XXXX XXXX 's card. I decided to get a XXXX XXXX card on my own, so I applied for a card ( while still supervisor for my husband ). Immediately I was rejected AND simultaneously removed as account supervisor on my husbands card. 
Somehow the credit agencies put me on as cardholder. After previous complaint they removed SOME of the information on my credit report. It still says {XXXX} & TERMINATED. Neither was I terminated nor did I cancel the card on my credit report. 
I NEVER HAD A XXXX XXXX CARD NOR CREDIT IN MY NAME. 
The limit is ( properly ) on credit info of XXXX XXXX XXXX. It should not be AT ALL on XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with XXXX about my credit report reflecting erroneous data. I received a loan from a company called Payoff. This loan was paid off in XXXX. This company has been reporting my loan as delinquent for the past 2 months when I paid it off in XXXX. I filed a dispute with the credit bureaus and the report was updated for everyone except XXXX. My XXXX report reflects the account is currently charged off with a past due balance of {$1400.00} and there is no close date. I deserve to have my credit report accurately reflect the correct status for this loan.
Product: Vehicle loan or lease

Illegal repo of vehicle. 
But XXXX. I was in chapter XXXX bankruptcy from XX/XX/XXXX-XX/XX/XXXX my XXXX XXXX was included in the bankruptcy. In XX/XX/XXXX I voluntarily dismissed my chap XXXX bankruptcy. I received no notice or demand for payment from XXXX or any company that contacted me on the balance owed. Tonight XXXX a repo person took the vehicle. 
I still have 2-3 yrs left on the loan -monthly payments. The last trustee payment on this loan was paid XX/XX/XXXX So how am I now delinquent enough for repossession in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

According to the laws, 15 us code 1681 ( b ) ( 2 ) 15 usc 1681 ( a ) ( 1 ) 15 us Code 1681 ( c-2 ) 15 Us code 1681 ( a ) ( 2 ) ( a ) ( i ) These accounts should not be deleted 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

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I haven't received any response from them. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to be deleted immediately : 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, credit repair services, or other personal consumer reports

Well i was effected by Identity theft and was told to file a police report and File a Theft report with the F.T.C.  Well I filed my F.T.C Theft report on or around XXXX and recontacted them around XXXX for any update on my case. I was told it was still under investigation. Well its now XXXX and i havent heard anything about my Identity theft file claim. Its been way over 30 days and i havent had any update or anythjing to my account. I was told it takes up to 48 hours for my file to Block the Stolen Info thats on my report. But Experian and XXXX  wont Block and complete my theft report claim. Its been over 60 days and I havent got any responses. Can you have them to please Block the account so i can get thru this horrible Identity theft. XXXX followed up without any issues and Blocked after there investigation. So why cant the others follow suit and do the same since they BOTH verify about the same way. I hope its accurate and not illegally posted.
Product: Checking or savings account

XX/XX/2023 : I couldn't see my savings account on my Wells Fargo app so I drove to the closest branch to access their ATM- I put in my card and again I was not able to see my Savings account. I went inside to speak with a teller and he said he could not see my account either. His manager then tried helping and again she could not find it. I had a horrible XXXX XXXX. There was no explanation and a lack of sympathy and apology. I was then expected to walk away with a confirmation number that the matter had been " escalated '' and nothing else. My entire life savings VANISHED with NO explanation. I proceeded to leave and had another XXXX XXXX as I was distraught and bewildered by my reality. 

A few people approached me in my panic to try and help and advised me I go to the police station. I arrived at the station and called Wells Fargo customer service hoping their response would be different. It was not different and in fact worse as the representative miscontruded my words claiming I said " Wells Fargo is Hiding my money '' which I DID NOT SAY. Again, the lack of sympathy and urgency for my matter sent me into another horribl eXXXX XXXX that occured in my car while on the phone with the representative. I screamed so intensely I burst my XXXX XXXX in both my eyes causing me extreme discomfort and stress to this day as theyve become itchy and swell up and the stress of this situation flared my XXXX. 

I then went inside the police station where I was met with disregard. They said there was nothing they can do. Again, I left in panic and disbelief and thankfully a couple there saw my distress and approached me to see if there was anything they could do to help. 

The next day I called for an update and the representative said there was no update because the case had only just been assigned to an investigator. This led me into an XXXX XXXX that takes away my ability to feel and think properly. Later I received and email saying they would contact me within XXXX  days which they did not do. 

I have been as patient as possible and yet there is no resolution. The fact that this criminal organization continues to operate is unfathomable. My livelihood and my future are at stake. I cant sleep at night, I wake up with an accelerated XXXX XXXX  and my cripling XXXX XXXX and XXXXXXXX XXXX are all back. The tension throughout my body is painful, my hands have a persistent tremor because of the worry they have caused me and I'm now forced to take medication in an effort to try and keep my sanity.
Product: Credit reporting or other personal consumer reports

This is my 5th 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 an alleged fraud or extortion. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my FOURTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite three previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$570.00} and XXXX XXXX XXXX Opened XXXX. XXXX, XXXX XXXX {$0.00}.
Product: Credit reporting

I told all XXXX agencies that the all credit inquiries were re-put on my accounts. They did not inform me within 5 days of reinsertion that they are adding anything to my report and since they all failed to notify me. They all violated my rights under the FCRA Section 611 laws.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information in my credit report was incorrect when I looked into it. In accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), XXXX, Equifax and XXXX must authenticate this account. ( A ). Treating this reporting account as unverified information without presenting evidence within the allotted legal time frame is unacceptable. Both 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) are mentioned. ( A ), kindly look at the following unverified account : XXXX XXXX XXXX Balance : {$21000.00}
Product: Credit card or prepaid card

I received the 2 small deposits and withdrawals from my bank account. When I tried to verify my account it says that my bank is not in network. If thats the casewhy were you able to deposit and withdraw from my bank that is not in your network??? I am not opening another bank account for this nonsense. I will find another card if this isnt fixed!! Kind of seems like fraud to me. If this problem cant be fixed on YOUR end ( no I am not jumping through hoops with my bank ) please cancel the account.
Product: Credit reporting or other personal consumer reports

My previous CFPB complaints have been neglected in providing the evidence required by consumer law from TransUnion and XXXX XXXX Ive filed multiple CFBP complaints requesting that the TRANS UNION force the company XXXX XXXX to comply with my request to provide specific information pertaining to the account that they have accumulated numerous questionable and unethical fees violating my rights as a consumer. I was never issued a transaction statement for the account with XXXX XXXX. Theyve mailed me interest statements and not transaction statements clarifying evidence as proof of balance at account closing. I requested a statement of all transactions specific to where and when all purchases with amounts that locations from the card that was only active for XXXX  days according to my credit report. Theyve ignored my request by way of a letter response and CFPB complaint. They only providing statements of interest rates and no transaction or usage of card. The reopening of the account with no proof of transactions was active for XXXX  days with the sole purpose of conducting unethical, consumer violating behaviors by stacking fees without proof of purchases and month end balance. They failed to provide proof of the source of purchases or statement, outlining the usage. Ive attached a document sent to me in a CFPB response without them providing the information I specifically requested.
Product: Credit reporting or other personal consumer reports

They refuse to unblock my credit report for creditors to view my credit. Ive called numerous times and also sent in requested documentation. Everytime I call the ask for documentation them when they see them they says the block is off but never takes is off
Product: Debt collection

On XXXX XXXX, XXXX I received a letter stating I owed XXXX for a XXXX XXXX. On XXXX XXXX, XXXX I sent a letter stating that this was not my account as I was am minor when this account appeared to be established. I sent a copy of my ID and Social Security Card. I received no response. My DOB is XXXX XXXX, XXXX. I received no response. 

On XXXX XXXX pursuant to FDCP Act 15 USC 1692g sec 809 ( 8 ) I sent a request for Validation of the debt. As of XXXX XXXX, XXXX I did not receive a response. 

On XXXX XXXX, XXXX. I contacted XXXX XXXX Fraud Department and was informed the account was established XXXX XXXX. At that time I was only XXXX years old and not able to legally enter into any contract as I was a minor. 

Stephan 's & Micheal Associates have violated the FDCP Act in multiple ways. 

This account was placed on all XXXX credit bureas while I was utilizing my 30 days to dispute the debt.
Product: Mortgage

all throughout XXXX, filed one hardship request after another. Filed multiple appeals. PNC would continue to call or email my ex husband, not me, although I am the primary borrower on the loan. Notices would be mailed to him, not me, although I am occupying the residence as I confirmed multiple times. They filed and NOD in the middle of us trying to have the hardship approved. We received a final denial stating we did not prove " reduced income '' although we submitted substantial proof of less income, in writing. Black and white. 
Upon final denial, we called to reinstate the loan on XX/XX/XXXX. We were told an " estimated amount '' but not an actual figure. I tried to make the payment online and over the phone. Nobody would accept funds. On XX/XX/XXXX, I was told the figures would be mailed within XXXX days. I continued to follow up each week, and still nothing. I was assured there was no sale date set, and to be patient and wait for the figures. On XX/XX/XXXX, i called again and was told to call at the end of the week if nothing arrived in the mail. On XX/XX/XXXX, I received the statement and wired funds on XX/XX/XXXX. The trustee 's office confirmed receipt of funds. I requested that they withdraw or rescind the NOD and they said the would within XXXX weeks. 
Today, XX/XX/XXXX, I awoke to Notice of Trustee Sales plastered across the front of my house, showing a sale date of XX/XX/XXXX. 
Why did the f/c activity continue when i have been trying to send funds for almost a month? The reinstatement letter showed I had until XX/XX/XXXX to make the payment, yet the notice was filed anyway. 
We tried multiple times to come to a resolution for the last year, and were denied for lack of proof, which was provided multiple times. 
This lender does not care about homeowners, hardships, or keeping families in their homes ... each reply we ever received was only offering to let us surrender the home. 

How can I be sure the house will not be auctioned even though I sent my funds? the XXXX was filed despite my efforts and payment.
Product: Mortgage

This is pretty much a continuation of the complaint from 5 years ago # XXXX, where my lender does not apply principle only payments. Now they are sending the payments back to me. I have been sending {$36.00} principle only payments to XXXX XXXX XXXX XXXX, XXXX XXXX, Attn : XXXX XXXX only, XXXX, XXXX XXXX since XX/XX/XXXX at their direction. My XX/XX/XXXX bill pay check was delivered, they took it out of the bill pay envelope, put it in a XXXX XXXX XXXX envelope and returned the check to me. Why didn't they accept the check? I have 2 more principle only payments waiting to post. Do you have a new address you need these sent to? What is the malfunction? I called XXXX in the mortgage dept XX/XX/XXXX and she was researching it and supposed to call me back.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX XXXX XXXX  XXXX & XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Evening I need help please. My husband and I have good standing credit score over XXXX and good income. It has been brought to my attention that old records are still listed on the Tenant Screening Reports. These court filing are over 15 years ago, mostly over 20 years OLD. These cases are past 7 years and it is my understanding it has become obsolete under federal law. I am being discriminated in getting accepted in any apartments i apply for. These records are not listed on my credit report. I plan to go to the civil court in two weeks to have my files closed. However, that will not resolved what has been already provided to the Tenant Screening Agencies. 

These records needs to be expunged from ALL Tenant Screening Agencies database How do i clear my name up from all Tenant Screening Agencies?