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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many 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 any items which is found to be fraud 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. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MD XXXXXXXX XXXX XXXX XXXX Balance : {$510.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXXXXXX Balance : {$610.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

My mortgage was transferred from Amerihome mortgage to XXXX XXXX XXXX XXXX  Payments were sent to Amerihome for XXXX XXXX XXXX XXXX, and XXXX Amerihome transferred the XXXX payment to XXXX in XXXX. The other 4 payments for 4 months have not been transferred. I have made several attempts to contact Amerihome to have the funds transferred to the XXXX and no one will assist me with this matter. In the meantime the funds are with Amerihome and it is not being credited to my account properly. Amerihome has a responsibility to account for all funds and transfer those funds immediately to XXXX. Amerihome has egregiously mishandled my mortgage payments and they refuse to assist me with this matter.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number :
Product: Credit card or prepaid card

On XX/XX/2023, I downgraded my American Express XXXX XXXX to a Gold card, the customer service agent did not disclose to me that I would forfeit the XXXX Membership Rewards points earned on the card. I miscalculated the date, which I originally upgraded the card. On XX/XX/2023, I received an email from American Express that XXXX points were removed from my account. On XX/XX/2023, I called American Express and requested that my XXXX account be re-opened as I made a mistake in downgrading the card, and asked for the XXXX points to be reinstated in my account. The customer service agent opened a claim. On XX/XX/2023 I was informed that the XXXX points would not be reinstated into my account although I re-opened my XXXX XXXX and paid the XXXX fee.
Product: Credit reporting or other personal consumer reports

These inquiries were made without my consent, and I have no knowledge of them.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I applied for an apartment and received a copy of my background check or screening, whatever it is called and as I was looking at it I noticed that most of the information is WRONG, such as the credit score and the " rental history '' section. as you can see from the photos below my credit score even on a vantage 3.0 scale ( which they said is why it was XXXX ) is XXXX from XXXX and XXXX. regarding the park place apartments account that still says I owe money I have paid that off as of XX/XX/XXXX of XXXX. I tried to go on experian.com to check my report but it would not let me, so I emailed and called multiple places only to get terrible customer service and no help. i spoke to a debt collecting agency today XX/XX/XXXX to make sure that they reported it to all credit bureaus since this email says they only give it to one or two, and the guy on the phone had said that they give the information to all 3 credit bureaus and the information is just a matter of if the credit agencies want to update it or not, which Experian has not and are not even willing to do. As you can see below this has caused me to not be able to get an apartment and it should not be this complicated to put in correct information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please help me and take this seriously, there is derogatory information that is being reported on my personal credit file that is wrong and is making it difficult to find traditional work and secure credit. I have an unverified account from Navient Solutions that is showing as late, but was paid in full for the full balance. I have brought to the consumer credit bureau 's attention multiple times. They are also reporting that any potential employer is responsible to place a payroll deduction to collect this debt. I had previously disputed this account. I have never done business with Navient Solution Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Navient Solution provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Navient Solution Cease and Desist all further communications and collection actives and provide the verification of the purported debt..
Product: Money transfer, virtual currency, or money service

I request that the XXXX XXXX XXXX develop standard wording and format for wiring instructions so that all banks in the XXXX and internationally use the same standard wording and format. Frequently, when I send a wire the bank from which I'm sending is uncertain to whom account numbers apply : the final recipient, an intermediate bank, or the final bank? This wastes considerable time and puts money at risk. 

For example, today, I tried to send an international wire transfer from XXXX XXXX XXXX Bank to XXXX XXXX  XXXX in XXXX. However XXXX did not understand the wire instructions. XXXX couldn't figure out whether the account number in the wire instructions was for the final recipient ( my son ) or for another entity. I will check to find out. However, this kind of confusion is common when I try to do either a domestic wire or an international wire, particularly about who the final recipient is ( a person or a bank? ) and who owns the account numbers. 

Wire transfers are lengthy processes that take about XXXX minutes. So, getting information and starting all over wastes considerable time. I urge you to do a project that standardizes the wording and format of wire transfer instructions. 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING INQURIES ARE UNAUTHORIZED -- -- -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

When I investigated my credit report, I realized that some of the information was erroneous. Credit bureaus 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 XXXX Balance : {$0.00}
Product: Credit card

I have a credit card serviced by Synchrony Bank. I have always paid my bill in full and on time every month. I gave my daughter permission to use the card. A couple of times she paid prematurely from her bank account and had her payment denied. Instead of sending a warning or charging a fee for bouncing a check, Synchrony closed the account without warning and dinged my credit with a charge of NSF. I feel they treated me worse than people who are late payers. I repeat that my bill was always paid in full and on time. 
I have other credit cards and do not care about this card, but I do not like being treated in such a disrespectful manner.
Product: Credit reporting or other personal consumer reports

Submitted dispute for a collection account on XX/XX/2024 via XXXX XXXX with XXXX. For {$760.00}. I informed them that the account listed as a collection account is XXXX that I did not open and was done fraudulently without my permission. I requested the agency reporting to provide me with documentation stating I personally am the one who opened account, and the identity verification methods used. Also provide the original contract and proof that I was the exact same person who opened the account, because I didn't do it. So I know they can't provide proof of me personally opening the account. They did not delete or remove the collection.
Product: Student loan

The company of Weltman, Weinberg , & Reis Co., LPA have  contacted me frequently since the beginning of the month as well as my stepfather as on our personal mobile phones during our work hours. I have been making payments for my private student loans. They left the toll free number XXXX and reference number XXXX.
Product: Credit reporting or other personal consumer reports

First of all Equifax keeps taking my score down and Im paring all my creditors on time as agreed. Equifax recently took my credit score down XXXX points. Ever since I opened a XXXX XXXX Credit card my credit score has decreased by the XXXX. 

XXXX  reasoning for this low score is very contradicting.. Equifax, XXXX XXXX XXXX XXXX are affecting peoples ability to qualify for decent housing and transportation, which affects peoples ability to earn a living. 

Its a shame how my credit score is being decreased in such large numbers in such short period of time. Reaching out to these credit reporting agencies to no good. They continue to side with the merchant. Lets face it, they stand to make money if you feel forced to monitor your credit. This is so unfair. I feel like more than just my credit rights are being violated by all three agencies. 

Please see emails from XXXX inviting to apply with XXXX XXXX. Only emails I received from Equifax are emails trying to encourage me to take loans and sign up for their membership plan, advertisements, money marketing. See attachments One thing about resolution, you cant get it from these credit reporting agencies. No resolution abd no cooperation. Its senseless referring consumers back to them. Who is regulating them to be sure they are updating information and being fair, not deceptive and negligent.
Product: Credit reporting or other personal consumer reports

Transunion, In Response to Complaint No. XXXX, Sent me a letter in the mail stating that they deleted 9 Hard Inquiries from my consumer report ( see attached ), However, when I log into XXXX XXXX  I can still see ALL of the Hard Inquiries that they have claimed to DELETE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting debt thats not consumer related on my Consumer reports, thats not legal by law.
Product: Credit reporting or other personal consumer reports

GOT A WHOLE BUNCH OF INQUIRES ON MY CREDIT REPORT, AND THE XXXX AUTO THAT I HAVE BEEN DISPUTING FOR SOME TIME NOW. INACCURATE REPORTING
Product: Credit reporting or other personal consumer reports

In accordance to the Fair Credit Reporting Act : XXXX XXXX account number XXXX, XXXX account number XXXX, XXXX  account number XXXX has violated my right, 15 U.S.C. Sec. 1681 section 602 A. States I have the right to privacy. 

15 U.S.C. Sec. 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Due to this breach and the impact it has had on my personal data, I am requesting that this issue be removed from my report and that my privacy be fully restored.
Product: Checking or savings account

I have been trying to work with my credit union every since i returned home from military duties. I have had multiple transactions go through on my account numerous of dollars basically gone down the drain. I have reported this to my bank and have been told that no errors have a occur but obviously it is a big mistake on my account. I have called and gotten the run around on this. I was told to go to the bank in person but with me working and military going on i am not able to go to a physical branch. I have been told numerous times that they have sent out multiple cards to me and they have not. I only received one card and that is the card in my possession now and only reason i ended up with this one card is because i paid a fee for expedited shipment. I have fax multiple information to them to prove that fraud have occur and they sent multiple letters telling me no error occur and that is not true. Whoever used my cards had changed information card pins and all and i'm still being told no error occur. They have not sent me any information on how they verified this information or nothing. They just quick to shut down my case and not give me anytype of refund for this unauthorized person using my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I logged in on Transunion 's website to look at my credit report. I noticed an account that stated the estimated removal date to be XX/XX/2022. I called Transunion, and explained to customer service, since today is XX/XX/2022. She explained on her end, it shows the account will be removed in XX/XX/2022. I told her I was still logged in, and the account shows me it will be removed XX/XX/2022, and then requested to speak to a supervisor. The supervisor, XXXX, proceeded to tell me the same information, that on his end, it shows that account will be removed in XX/XX/2022. I, again explained what I saw on there website, and also saved and printed that information. I explained to him, that is a violation of the FCRA.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following accounts and associated inquiries from my credit report, as I am a victim of a recent data breach. I believe fraudulent activity has taken place involving these accounts, and under the provisions of 15 U.S.C. 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am requesting that these items be removed from my credit report. 
Accounts to be blocked and deleted : XXXX. XXXX - Account Number : XXXX - XX/XX/XXXX - {$160.00} XXXX XXXX XXXX - Account Number : XXXX - XX/XX/XXXX - {$530.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - XX/XX/XXXX - {$330.00} XXXX. XXXX - Account XXXX : XXXX - XX/XX/XXXX - {$170.00} XXXX. XXXX - Account XXXX : XXXX - XX/XX/XXXX - {$150.00} XXXX. XXXX - Account XXXX : XXXX - XX/XX/XXXX - {$160.00} XXXX. XXXX XXXX - Account XXXX : XXXX - XX/XX/XXXX - {$98.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - XX/XX/XXXX - {$98.00} XXXX. XXXX - Account XXXX : XXXX - XX/XX/XXXX - {$4600.00} XXXX. XXXX XXXX - Account XXXX : XXXX - XX/XX/XXXX - {$150.00} XXXX XXXXN STAT - Account Number : XXXX - XX/XX/XXXX - {$340.00} XXXX. XXXX - Account Number : XXXX - XX/XX/XXXX - {$1000.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - XX/XX/XXXX - {$1200.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - XX/XX/XXXX - {$4100.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - XX/XX/XXXX - {$7800.00} XXXX. XXXX - Account XXXX : XXXX - XX/XX/XXXX - {$0.00} Inquiries to be blocked and 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) 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. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Debt collection

On XXXX  Aldous & Associates, P.L.L.C. agreed to a settlement of XXXX for violating communication tactics according to FCRA guidelines. It has been 3 weeks and I have not heard back from them after I sent certified mail agreeing to the settlement of the XXXX. It makes no sense that I have to communicate with this debt collector agency via The XXXX XXXX XXXX to receive any communications. I have sent over 5 letters which were all ignored until I filed a complaint through CFPB.
Product: Credit reporting or other personal consumer reports

I have been writing this company to investigate inaccurate information on my credit file back in XX/XX/year>. They have had well over 30-60 days to investigate/delete this inaccurate information. I never received a response from my last dispute. I applied to buy a home ; a new construction and I was denied. I checked my credit file again and I see this inaccurate information still reporting! This is harmful and damaging.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  is reporting that the account that was held by my wife and I was " discharged through Bankruptcy '' and it was not. The account ( {$110000.00} ) was sold to another lender prior to us filing for BK and last reported on XXXX by XXXX as it states on the credit report. The date we filed Bankruptcy was XXXX and as you can see there is no possible way it could have been included in the bankruptcy as it was filed one month after XXXX XXXX XXXX sold the loan to another lender. Even the new lender posted it as paid in full after we paid it off. I have disputed this information at least 4 times 2 online and 2 by phone and they will not take off the discharged through bankruptcy. This account was Paid in full and never late! The only thing that was ever changed was they added the words in the comment section Purchased by another lender. because of this it shows up as a negative item on my credit report.