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 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 items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002. 142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four 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 its which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
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.
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was shocked to find multiple errors that should never have been there in the first place. These inaccuracies are more than just minor mistakesthey are actively damaging my financial reputation and creating unnecessary obstacles. I refuse to let misinformation dictate my creditworthiness, and I am demanding an immediate investigation and correction. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is both accurate and verifiable. If any of these disputed items can not be backed by solid evidence, they must be removed at once. This is not a simple requestit is a legal demand for compliance with federal law. I expect this matter to be resolved promptly. 

Name : XXXX XXXX XXXX Also Known As : XXXX, XXXX, XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year> Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX phone : ( XXXX ) XXXX Acct # XXXX Balance {$5200.00} status : open Date XXXX Balance update : XX/XX/2022 I have disputed this account several times to all 3 bureaus. Experian deleted the account on XX/XX/2022 and now it has returned to my credit report. I have never heard of this company. Nor have I signed any financial agreements for education from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous requests to a company called XXXX. XXXX and XXXX that has bought a debt from XXXX XXXX that is reporting on my credit report. I have sent them letters by mail on XX/XX/2019, XX/XX/2019 and XX/XX/2019 asking them to provide a contract bearing signature for the validity of the account, I even sent an offer to pay for delete to the company and they have not responded back to me via mail. I have disputed this account numerous times with the credit bureaus and it just keeps coming back saying it was validated. How was this account validated when they will not even respond to my requests? It has been over 180 days since I challenged this account numerous times and over 30 days of the last time I disputed. I demand that this account be removed from Equifax, XXXX and XXXX. This is a violation of my rights as a consumer by nit furnishing me with a contract bearing signature nor responding to my requests to resolve the account.
Product: Student loan

I received a letter in the mail regarding a debt collector for an amount not reflected on my financial aid portal. The amount on the letter is far more. I want to dispute all of this amount.
Product: Debt collection

I have received a debt collection for a rental company in the amount of XXXX $ XXXXThis amount posted on my credit account in XXXX XXXXXXXX XXXX. This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me.
Product: Debt collection

In the fair debt collection practices act, the term communication is defined as " conveying of information regarding a debt directly or indirectly to any person through any medium '' credit reporting is an indirect medium that they have chosen to use to communicate with me. The fdcpa states that once a consumer notifies a debt collector in writing of refusal to pay or to cease all communications in which this company did not do. I have told this company to cease communicating with me about the following account XXXX
Product: Debt collection

I'm writing to ask for the removal of late dates on disputed items from my credit report. Despite my efforts to verify inaccuracies with the information provider, there has been no response. I request the credit bureau to update my consumer file in accordance with the FCRA, as the reported information is unverified and lacks proof. XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/year>XXXX  ) This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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. These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX I entered into an agreement with XXXX XXXXXXXX auto  on a vehicle lease. I completed the loan agreement in XX/XX/XXXX. I always made on time payments and they were in fact on auto-pay. I recently checked my credit report back in XXXX and i noticed that TransUnion had completely jacked up my Auto Payments with XXXX  XXXX. There were messed up and inaccurate which really caused my credit score to drop. I had no clue that they were reporting me late, and why i was getting denied credit applications a few years back. I immediately sent them some mail telling them that the late payments were a mistake but they ignored me. I don't understand how a company can repot inaccurate information, and hurt my ability to obtain credit without any repercussions. This is clearly a violation and a billing error/mistake on TransUnion part, but they refuse to remove the late payments, or even acknowledge my request for accuracy. And even worse they were reporting these inaccuracies over the Covid-19 Pandemic.
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. Please remove these items. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

In XXXX, I purchased an automobile from XXXX XXXX XXXX, and they distributed and others having access to my credit file running multiple inquires on XX/XX/year> from the same transaction. 

The transactions were made by XXXX XXXX  XXXX on XX/XX/year>XXXX XXXX XXXX on XX/XX/year> and XXXX XXXX XXXX XXXXL on XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a response with the complaint that was filed on XX/XX/22. The Bureau stated Account Name and Account number was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for removal.

They also violated my rights under 15 U.S.C 1691 Section 604 A Section 2 : They law clearly states a consumer reporting agency can not furnish an account without my written instructions.

They also violated my rights under 15 U.S.C. 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes.

They also violated my rights under 15 U.S.C. 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are found inaccurate or can not be verified, they consumer reporting shall promptly delete the information from the file of the consumer.

This also violates the statue of limitations - Fair Credit Reporting Act - 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] I have included the supporting evidence with the discrepancies circled. The credit report with the date of XX/XX/22 was submitted initially. The report dated on XX/XX/22 shows there are still discrepancies and even thought the stated they verified and updated. They did not.
Product: Checking or savings account

Hello, I am filing a complaint in response to my previous claim number XXXX Claim XXXX Wells Fargo stated , " Based on the information provided and our research, our Claims Assistance Center completed their investigation and it was determined the transactions were authorized, and no error had occurred. During our investigation of the claim, we have determined that the merchant obtained a valid authorization for the full transaction amount in Visa for these transactions. Based on this information our Claims Assistance Center '' Claim XXXX Wells Fargo states, " Based on the information provided and our research, our Claims Assistance Center completed their investigation, and it was determined the transaction was authorized, and there was no processing error.Please note, based on the information at hand, no new information has been made available to determine that a merchant error occurred, or to be able to continue any dispute. '' Claim XXXX Wells Fargo states, " Based on the information provided and our research, our Claims Assistance Center completed their investigation, and it was determined the transactions were authorized, and no error had occurred. On XX/XX/2023, the claim was denied and closed, and a letter was mailed out to the address on file on the same day. 
After our research we have determined that the merchant obtained a valid authorization for the full transaction amount in Visa for these transactions. Based on this information our Claims Assistance Center reviewed the claim and determined there was no merchant error, and the merchant obtained valid authorization to charge your card. As a result, your claim was denied and closed. '' Response : At first, my claim is about merchandise/service not received for which I have provided the documents to the best of my ability including conversation with the website where I made the payment, email from the website and picture of my account disabled. 

Wells Fargo has not even made an attempt to reach out to the merchant and ask for the documentation and have come to their own agreements stating the the merchant transaction was valid. 
Consumer is complaining for a reason and has provided the documentation and constant email and chat conversation yet Wells fargo has decided to overlook these documents. 

Can Wells Fargo please explain how they can make assumptions that the merchant provided services without trying to question them when your customer has been complaining for 6 weeks and has provided documents for your every request. 

I do not have documents of my account not showing online credits as the merchant has deactivated/disabled my account so I can't win the case.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX. I am submitting this claim because I have been the victim of identity theft, which has resulted in fraudulent accounts being reported on my credit file. These unauthorized accounts and activities have significantly impacted my creditworthiness and my ability to obtain credit in my name. 
The accounts listed below were opened or reported without my knowledge or consent. Despite my attempts to resolve this by asking the companies to verify the accounts and provide proof of their validity, including contracts or agreements bearing my signature, they have failed to comply. Here are the accounts and inquiries : XXXX XXXX XXXX # XXXX {$18000.00} XXXX # XXXX {$1300.00} XXXX # XXXX {$3800.00} INQUIRIES : XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> To date, the companies have not provided sufficient evidence that these accounts are legitimately associated with me, and they continue to report inaccurate information that is damaging to my personal and financial reputation.
Product: Payday loan, title loan, personal loan, or advance loan

No stop harassing calls. 3-5 times a day. I've asked to be put on a no contact list. They still call me.
Product: Checking or savings account

I am filing a formal complaint against SoFi regarding an unjust and abrupt freeze on my account, which has placed me in a financially and emotionally distressing situation. 

My husband attempted to transfer funds via XXXX to my SoFi account to cover our rent payment. Following this transfer, SoFi froze my account without warning. I immediately contacted customer service, fully verified my identity, and my husband verified his identity as welldespite not being a SoFi customer. He explicitly confirmed the transfer amount, its purpose, and even offered to forward the email confirmation from his bank ( XXXX XXXX ) to support the transactions legitimacy. 

Despite complying with all verification procedures, SoFi failed to provide a clear time frame for resolving the account freeze. My funds remain inaccessible, including my direct deposits, and my rent is due on the 1st. I can not afford late fees caused by SoFis actions.

I requested to speak with a supervisor and was denied. I also asked to close my account and have my balance sent via check, but this was refused as well. 

I have never been late on rent in my life, and I am now at risk of being late due to SoFis mishandling of this situation. I am a mother of twins with XXXX, both on the high end of the spectrum, and maintaining stability is critical for my family. This unjustified freeze on my account has caused unnecessary stress and disruption. 

I am requesting immediate action to release my funds and expedite the resolution of this issue. I expect this complaint to be taken seriously and reviewed promptly. 

Sincerely, XXXX XXXX
Product: Debt collection

I turned in notice to my apartment/townhome as per the lease. I had 1 month on lease, I asked if I could turn in keys early, they said yes. I tried to pay last month of lease, which was about {$1200.00}. They said I would receive a bill and they would subtract my deposit etc. The bill I got was not correct and I did not break my lease, the bill was for {$5300.00}. I fulfilled everything I was supposed to do and I could not pay this amount. The apartments leased the apartment the next month. They are out nothing. This amount is not correct and should be removed entirely from my credit bureau. This is deceptive practices by the apartments and collection agency.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, ) was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

I have reeported PORTFOLIO RECOVERY SEVERAL TIMES IN REFERNCE TO MY ACCOUNT THEY KEEP GETTING IT OPENED AND PUT BACK ON MY ACCOUNT, MY ACCOUNT HAS BEEN DELETED AND NO PAYMENT CAN NO LONGER BE APPLIED, ,THIS IS DUE TO FRAUD AND TWICE IT WAS REMOVED,, i WANT THE HARRASMENT FROM THEM TO CEASE.. 
XXXX REF XXXX PORTFOLIO RECOVERY LLC XXXX XXXX XXXX, VA XXXX
Product: Mortgage

After my father passed away, it took a over a year to get the courts to name me as executor of the estate. Admittedly, the account has not been paid as the estate has no assets. I am in the process of trying to sell the home to pay off what I can on the mortgage. Mr. Cooper calls me on a weekly basis. I have tried to update them and have been very open about the issues I have had. When I can't answer, they leave a voicemail with a number to call them back. When I call back, I get an automated system that says " Thank you for calling Mr. Cooper, it appears you have reached us by mistake, your loan is serviced by Mr. Cooper ''. I get past that message and then hit an automated system that tells me to enter the last 4 of the SS number or the account number. I am unable to get past this. I have been lucky a few times and have actually been able to reach a person. I have no idea why it worked. Most times, it's just 20 minutes of an automates system telling me that they need to verify my info before they can speak to me. Today, I somehow actually got a person who told me they were calling because they needed a copy of the death certificate. I have provided this ( via email with proof ), 3 times already. I sent it again. I asked for help with the verification system and they said they can't. I asked for a supervisor and was told that my call would be sent over to escalation. After 20 minutes of not being answered, I hung up. Today I spoke with a woman named XXXX. I am trying my best to settle this account. If Mr Cooper is going to continuously call me and leave messages with a number that I can not call back on, I feel they are simply harassing me and trying to make it look like I am not being responsive. No one at Mr Cooper will help me.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$410.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$360.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

THE ACCOUNTS BEING DISPUTED HAS BEEN HINDERING MY CREDIT FOR QUITE SOMETIME NOW. THOSE ACCOUNTS ARE REPORTING AS DEROGATORY ACCOUNTS WHEN THEY SHOULD BE OFF MY CREDIT. PLEASE SEE THE ATTACHED RECEIPT FOR ONE OF THE ACCOUNT THAT WAS PAID IN FULL BUT IS STILL REPORTING NEGATIVELY ON MY CREDIT. I WOULD LIKE THOSE ACCOUNTS TO BE REMOVED OFF MY CREDIT FILE.