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

XXXX XXXX XXXX XXXX continues to report inaccurate information to XXXX, XXXX, AND EQUIFAX, unbeknownst to me up until now. I have been a victim of Identity theft. 

Account # : XXXX - Shows as closed however this account was not mine to begin with, I never authorized or initiated this account setup, and It is was opened in XX/XX/2015, well past the statute of limitation laws of 7 years on a credit profile. 

As a result, I have gone forward and filed for Identity Theft, in which I've attached below the copy of the Affadait.

According to 15 U.S Code 1681c-2, a consumer reporting agency shall block the reporting of all information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS AFTER THE RECEIPT. 

It has been 30 days and XXXX XXXX EQUIFAX are in violation of this law because I am a victim of identity theft!! 

This account should not be furnished on my consumer report as it is VIOLATION. Under 15 US code 1681b permissible purposes of consumer reports ( a ) IN GENERAL Subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under 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 account listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the XXXX credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Company : loandepot Loan # XXXX I had started a home loan application with this company around start of XX/XX/XXXX but nothing happened after that. 

On XXXX I called loandepot customer care to cancel my application which they said yes to do it but nothing happened. 

On XXXX I called loandepot customer care again to cancel my application as I did not see it cancelled to which they said that loan consultant on my case will do it but again it is not cancelled. 

On XXXX called loan consultant but did not pick, email sent and again loan is not cancelled. 

On XXXX I called loandepot customer care to cancel my application as I did not see it cancelled to which they said that loan consultant on my case will do it but again it was not cancelled. 

On XXXX called loan consultant but did not pick, left voicemail, email sent and again loan is not cancelled. 

This loan status showing as application pending is causing my another loan application with another bank to not get approved. The other bank wants this loan application as cancelled before they can approve my loan application with them. 

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

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Complaint against EQUIFAX for violation of the Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Equifax for its failure to properly investigate and remove inaccurate account information from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). Account Information : Creditor Name : XXXX XXXX Account Number : XXXX Date of Termination : XX/XX/year> ( R ) I previously filed a dispute with Equifax XXXX inaccuracies on the above-referenced account. Despite my providing evidence supporting the inaccuracies and requesting their removal from my credit report, EQUIFAX failed to conduct a thorough investigation and the disputed account remains on my credit report. As a consumer protected by the Fair Credit Reporting Act, I have the right to request removal of inaccurate or outdated information from my credit report. EQUIFAX failure to comply with this law is a violation of my rights as a consumer and has caused me harm and financial distress. I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against EQUIFAX for its failure to comply with the Fair Credit Reporting Act. I request immediate removal of the inaccurate account information from my credit report and appropriate action to ensure that EQUIFAX complies with its obligations under the law. Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue. Sincerely, XXXX XXXX
Product: Debt collection

Rent Recovery Solutions is attempting to collect a debt that was shown to not be valid. A request for balance update was sent, and has received no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XXXX OF 2018 SOMEONE OPENED AN AUTO LOAN IN MY NAME WITHOUT MY AUTHORIZATION. IVE TRIED CONTACTING THEM SEVERAL TIMES TO RESOLVE THIS ISSUE AND THEY HAVE NOT RESPONDED NOR REMOVED FRAUDULENT ACCOUNT FROM MY EXPERIAN CREDIT REPORT..
Product: Credit reporting or other personal consumer reports

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple XXXX and XXXX XXXX that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Product: Debt collection

I disputed an account with American Accounts & Advisors, in writing on XX/XX/2019 and it was sent certified, return receipt requested. In the letter I explicitly stated that they were to contact me ONLY in writing. Since the time that letter was received by them, they have been harrassing me incessantly via my phone. Calls at all hourrs of day and night, repeated calling etc. This is harrassment and a violation of the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the financial effects of the COVID-19 pandemic in XXXX, I was could not continue making the lease payments and I voluntarily surrendered a XXXX XXXX at the Ford dealership where I acquired the vehicle. The vehicle was accepted by the dealership and proceeded to sell the vehicle.

Ford Motor Credit obtained a judgement against me on XX/XX/XXXX for {$13000.00} for what I believe to be the balance of the lease payments. 
Ford Motor Credit has been reporting missed payments and increasing the balance due each month to the credit reporting agencies the entire time. 
This week on XX/XX/XXXX, my credit score suddenly dropped 45-65 points across all 3 credit bureaus despite the judgement being assigned by the court over 1 year ago.

My disputes with all 3 credit reporting agencies have not resolved the matter on my credit report and my credit scores remain 45-65 points lower than they were on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing this complaint due to an account that is on my credit report with XXXX. This account has been deemed as fraudulent and hindering my credit worthiness. As a consumer, I am aware of my rights. I have attempted to resolve these issues directly with the CRAs but have been unsuccessful in obtaining a resolution. I did not give Experian, XXXX, nor XXXX my consent to disclose my personal public information. Because of this, it is a violation of the law. This account is deemed as fraud and should be treated as such. I have no knowledge of this account and request that it is deleted. 

Account number XXXX
Product: Credit reporting or other personal consumer reports

To my disbelief, inaccurate accounts appeared on my credit report out of nowhere today, and I can't understand why. Ive been diligent about checking my report, and suddenly, these discrepancies popped up. I thought maybe it was a browser issue, so I refreshed it, but nothing changed. Im beyond frustrated and need the documents Ive submitted to be properly reviewed, so this kind of mistake never causes me stress again.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX This debt has been reported on my credit report by TWO different agencies within the last year. I pulled my fathers credit report and this debt is also on his credit report and our names are not alike and we were not co-owners of any account in the past. How can this debt be verified if it is showing up on two different individual credit reports with two different agencies? The XXXX, XXXX, Experian credit agencies are reporting this information as verified but how if this is on me and my fathers credit report? Exactly whose bill is it? According to the FCRA, if a consumer makes a timely request for debt validation and a debt collector fails to provide proper validation or does not respond at all, the debt collector may not legally continue to pursue the debt. If collection activity continues, the consumer may file a lawsuit in state or federal court for violation of the FDCPA. This has been going on Since XX/XX/2018 form two separate collection agencies for the SAME bill. I'm pretty sure this is a violation under the FCRA to put something back on my credit report without proper notice. The information being reported appears as a re-aged account the dates of the account being opened is incorrect with what is on my report and from my knowledge, this is not legal. Along with Names and addresses. The account Is being reported opening in XX/XX/2018 and that is incorrect information.
Product: Credit card or prepaid card

Does the company Cashapp deny that at the time of the transaction ( XXXX ) in question being pended that I was injured and that it is because of the company Cashapp posting an amount of cash present for the transaction ( XXXX ) in question that they would not release and return back to my accountWhether they were completed or not is not in question.
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 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: Credit reporting, credit repair services, or other personal consumer reports

Late payments reported on my credit report are not correct as I was of the understanding that I was either in deferment of forbearance. The problem is compounded as it appears that I have 6 separate loans with Navient that have all been reported as late. Communication with Navient has been confusing and frustrating at best as to my real situation. My loans are now current but I cant get the negative information removed from my credit report which is affecting my ability to get housing
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information with all three consumer reporting agencies : XXXX ; XXXX ; Equifax has different varies of my name. They have the Wrong Social Security Number. They have different phone numbers and addresses that is not mine. I want all document information removed and for them to stop reporting inaccurate information
Product: Debt collection

west lake financial I have on numerous occasions tried to have this debt removed off my credit reports from this company. It is showing that I have a total of XXXX balance on account. Please see what can be done so that the company removes this information on my report because it is negatively impacting my character they have wrote remarks on my report bad debt account and also charge off loss of profit I paid over 50 % of the loan company is fraud and needs to remove this information in reality they overcharged me the price of the car the average purchase for an XX/XX/XXXXXXXX XXXX is XXXX dollars any assistance that you can provide will be greatly appreciated
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern Experian, After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse XXXXXXXX XXXX XXXX XXXXXXXX {$300.00}, XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$500.00}, XXXXXXXX XXXX XXXXXXXX {$2000.00}. As you know it is against the law to report any information not proven accurate. I demand that you provide me with concrete evidence of my obligation to said accounts. Please be aware that all negative remarks found on my credit report are a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. am not in dispute of the ownership of the account but it you are unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 

Best Regards, XXXX XXXX XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved
Product: Credit reporting

In 2013 my ss # and name were used by my daughter who is over XXXX to obtain a card in my name. We have the same name. It was mailed to her. I was not aware of this. Total amount is {$480.00}. To XXXX. Ii am on XXXX and am trying to get my life together after a emotional loss. I ran my credit report and this showed up with a XXXX XXXX XXXX bill and XXXX medical bills to a XXXX XXXX and XXXX. These are her debts and I can prove it. She is now will to take responsibility for her debts. I need these removed from y. Credit report. Plz help me resolve THIS! Thx you.
Product: Debt collection

Company calls on sundays when its against the law to call for debt collection
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Paid Charge-Off Accounts from Credit Report Dear Sir/Madam, I am writing to formally request that the Consumer Financial Protection Bureau XXXX CFPB ) assist me in ensuring that the following charge-off accounts, which have been settled and paid in full, are removed from my credit report, in accordance with applicable federal laws and guidelines : 1. XXXX, Account # XXXX ***** XXXX. XXXX, Account # XXXX ****** XXXX. XXXX XXXX XXXX, Account ***** These accounts, while previously charged off, have been fully resolved as they are marked paid and closed on my credit report. According to the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws, charge-offs that are fully paid and settled should no longer be reported in a manner that negatively impacts a consumer 's credit profile. Additionally, the Federal Trade Commission ( FTC ) and the CFPB have both issued guidance regarding the reporting of paid charge-offs, emphasizing the accuracy and completeness of credit reports. 

As these accounts are no longer in default status and have been settled, they should not continue to appear as negative items on my credit report. Continuing to report these charge-offs undermines the purpose of the FCRA, which aims to ensure that credit reports are fair, accurate, and complete. I respectfully request that these charge-offs be removed from my credit report entirely as they no longer reflect my current credit standing. 

I believe the continued reporting of these charge-offs may be in violation of the FCRA, which states that credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information reported. Moreover, under Section 609 of the FCRA, I have the right to dispute any information on my credit report that I believe is incorrect or misleading. Since these charge-offs have been paid and closed, they no longer provide an accurate depiction of my creditworthiness. 

Furthermore, I kindly ask that the CFPB ensure that the credit reporting agencies update my credit file to reflect the accurate status of these accounts. This action is critical to ensure my credit report fully complies with all consumer protection regulations. 

Please confirm in writing that these charge-off accounts will be removed or updated to reflect their true status of " paid in full '' without any derogatory notations. If further documentation is needed to substantiate this request, I am more than happy to provide it upon request. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.
Product: Mortgage

Hi CFPB, I closed my mortgage account with the Company Loan Depot. I have been reaching out to them to provide my escrow refund. As per your regulations it should only take 20 days to get a refund. I keep getting the run around and their customer service is no help. 

Please help!
Product: Debt collection

On XX/XX/2020 by certified letter I contacted Choice Recovery in regards to an alleged debt appearing on my credit report. Letter attached. In goodwill I offered to quickly resolve this account by paying the {$170.00} if Choice recovery agreed to delete this from any and all credit reporting agencies. Paying this unverified amount is no benefit to me if they do not agree to delete.I know they have the absolute right to report, not report or delete from all credit agencies. A validation letter was also sent to Choice Recovery. Letter attached. 
On XX/XX/2020 I received a letter form Choice Recovery also  attached. The letter does not confirm validation. No signed contract or agreement, payment history, license numbers and the name of a registered agent licensed to to collect in Michigan but instead the letter I received is only a threat to attempt to collect alleged debt by any means without any validation or response to my goodwill attempt.
Product: Credit reporting or other personal consumer reports

I sold a price of property I owned in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with Fayfinancial which I sold XXXX years ago which is still on my experience credit report as an open loan. I need it removed from that credit report and others.
Product: Credit reporting or other personal consumer reports

There is incorrect info on my credit report should be correct and updated with document Letter By XXXXXXXX XXXX XXXX XXXX XXXX. As Proof of my Student Loan Paid In Full By The Biden-Harris Administration Forgiven Federal Student Loan Listed Below With XXXX In Full. Loan Type or Program ( XXXX ) First Disbursement Date XXXX Original Principal Balance {$26000.00}
Product: Money transfer, virtual currency, or money service

My account was suddenly closed with claims that I violated I violated Cash App 's Terms of Service without being given clear, concrete evidence. I maintained that I have never engaged in gambling activities or any other actions that would violate their Terms of Service. I requested that they provide specific details and evidence of the alleged violations that resulted in the deactivation of my Cash App account but they just kept repeating the same response. 

" We conducted a review of your account. Based on that review, we have found activity that violates our Terms of Service, including payment activity related to gambling ( raffles, lotteries, casinos, bingo, betting of any kind, among others ) along with other potential violations. 

As a result, your Cash App account has been deactivated and you will no longer be able to use your account or its features. ''
Product: Credit card or prepaid card

American Express charged me {$260.00} in interest on a {$4700.00} that was paid in full ONE day after the due date. I was late on payment because I had upgraded to a new card, and American Express did not sync up the due date with my existing card. Further, I contacted American Express on the date I missed my payment, and they agreed to waive charges and interest. The billing cycle was abnormally long given the opening of the opening of the new card.
Product: Credit reporting, credit repair services, or other personal consumer reports

The lists of inaccurate information about accounts are still reported on my credit report. I already sent a letter to TRANSUNION Credit Bureau to investigate the erroneous accounts on my report. I believe that I always paid on time and this bureau is reporting inaccurately. I am seeking for help to verify and block the erroneous accounts on my credit file. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$0.00} XXXX XXXX XXXX XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account multiple times and it continues to appear on my credit report.