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 & block any items 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 remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On the Date of XX/XX/2023, XXXX reported that I had an account open that was already paid off but they reported as late, No big deal tried to dispute it but XXXX marked the information as correct. Then on XXXX XXXX 2023 They marked the account as 60 days past due even tho XXXX  themselves when called had said the account had already been paid off - This dropped my score over 125 points with no reconciliation
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian still reports 5 fraud accounts that have been disputed since 2014 due to the XXXX  breach and these fraud account must be removed. Here are the disputed account > XXXX XXXX  $ XXXX >XXXX XXXX XXXX {$5000.00} >XXXX XXXX {$5000.00} XXXX > XXXX XXXX XXXX and XXXX XXXX {$570.00}
Product: Credit card or prepaid card

I opened a secured card with Discover XXXXo help build credit. I was asked to put {$500.00} down as a security deposit to be re-payed after demonstrating healthy credit management. I received an email stating that I had indeed demonstrated healthy credit management and that I should receive a check returning my security within XXXX business days. I never received the check. I reached out to a customer service rep and they said I had to wait XXXX  days to see if it was delivered. I was told I could receive the payment via ACH if I have a verified bank account. It has now been over a month since the check was " issued '' ( XXXX ) and I still have not received it. After reaching out again to check on the status of this check and ask for a ACH I was told that they have to recut a check ( XXXX days ) f then resend it and that I can not receive the payment via ACH. I am not interested in Discover earning interest for XXXX months on the money that should have been in my bank account over a month ago. Please advise.
Product: Credit reporting or other personal consumer reports

Im writing to formally request a form 1099 c cancellation of debt with account under my name that was written and charged off by XXXX XXXX and Lvnv company it was sold to in amount of XXXX dollars. IRS regulations section 6050p requires any debt over XXXX dollars written off must provide form XXXX XXXX Income is not reported on credit reports please provide in a timely fashion so I can report on my tax return
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX Mo XXXX XXXX XXXX XXXX, XXXX, I XXXX presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section XXXX, Validation of debts [ XXXX XXXX XXXX ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THESE ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

An old account was suppose to be deleted from my credit report on Experian in XX/XX/2025 and it was deleted. I have disputed the account through their portal and via mailing letters and then they just send me an email stating its not me disputing the account and nothing is ever done. They provide a number to call and its impossible to get a live agent. The AI theyre using has very limited functions and doesn't allow you to be transferred to a live person. It waste time and there is not real solution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a method of verification on 5 different occasions XX/XX/19,  XX/XX/19,XX/XX/19, XX/XX/19, XX/XX/19 to resolve the inaccurate bankruptcy being reported on my credit report. I have contacted the bankruptcy court, XXXX XXXX and all parties have validated that the information is incorrect and not valid. I have submitted copies of these document several times and Experian continues to say they are validating the information from the exact source that provided me a letter that stated it is inaccurate. I was a victim of identity theft and I have provided that information as well. No method of verification has been provided to me on how the information Is validated even after several requests. Yet the information continues to be on my credit report
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I went to XXXX to make an ATM withdrawal for money and never received the disbursement when the time came. I called the owner of the card immediately and was advised to complete forms for an investigation to receive my money back within ten days if I qualified or wait 45 days to get refund of money never given to me.
Product: Debt collection

I am filing a complaint against XXXX XXXX for improper and unlawful debt collection practices in connection with an alleged debt from XXXX XXXX XXXX XXXX. 

Details of the Complaint : Debt in Question : XXXX XXXX has contacted me regarding a purported overdraft on an old XXXX XXXX XXXX XXXX checking account, claiming I owe a few hundred dollars. 

Dispute and Validation Request : On XX/XX/year>, I sent XXXX XXXX a debt validation letter requesting proper documentation to validate the debt as required under the Fair Debt Collection Practices Act ( FDCPA ). On XX/XX/year>, they responded by providing only a copy of an old bank statement, which does not meet the legal standard for debt validation under 15 U.S.C. 1692g. 

Current Situation : I have no open accounts with a negative balance with XXXX XXXX XXXX XXXX, and I dispute the validity of this debt in its entirety. Despite my request, XXXX XXXX  has failed to provide sufficient evidence of the debts legitimacy, such as the original signed contract, a detailed accounting of the debt, or verification that they have the legal right to collect this debt. 

Violation of FDCPA : I believe that XXXX XXXX is in violation of the FDCPA by continuing collection efforts without adequate validation and failing to provide the necessary documentation to support their claim. 

Military Status and Request for Extra Protections : I am currently serving in the military. As a servicemember, I am entitled to certain protections under the Servicemembers Civil Relief Act ( SCRA ) and related laws. I request that the CFPB consider any additional protections I may be entitled to under these laws and take appropriate action to ensure that XXXX XXXX is in full compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXe credit has violated my rights 15 U.S.C 1681 602 A. States I have the right to privacy.

15 U.SC. 1681 section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

I was previously contacted by the bureau about fraulent usage so I suggested my card be resent. Instead my account was frozen and I never received anything I had a Estimate of XXXX to be sent to my account from XX/XX/2022. It was already reported stolen by a house old member. I followed all the procedure and never received anything..It 's been a hassle they never even had my correct information on file.
Product: Credit reporting or other personal consumer reports

There are multiple instances of noncompliance with mandated reporting criteria, thus the information in my report isn't accurate and comprehensive! Having said that, I refute your claims and challenge you to show me that you have the authority to publish this inaccurate, misleading information to my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

I'm using my right to object to these erroneous and non-compliant things as a result. You will only demonstrate your lack of concern for my rights as a customer if you ignore my requests. Reporting information that hasn't been verified as ethical and compliant with recognized reporting standards isn't fair. Once more, I contest these assertions and want documentation of the appropriate reporting guidelines. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

Summary of Accounts being Challenged in list form : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have filled a dispute for the incorrect items on my credit report. it has been well over 30 days and i haven't received any investigation results.
Product: Mortgage

My current mortgage company - Greentree Servicing LLC has been increasing the money needed for escrow every year, but it turns out they never used the money to pay my tax bill for the last few years. In addition, the did not pay my homeowners insurance last year. I discovered this when I went to refinance with another company. I now owe, back taxes, homeowners and GreenTree Financial took all of my escrow money. I even overpay each month, yet they are requesting more money for me to buy out my loan. What happened to the money that went to escrow each year? Why did they tell me I had to pay more money for my escrow account, but they never used the money for my taxes or my homeowners.
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 & block any items which are 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 block/remove these items. 
XXXX XXXXXXXX XXXX XXXXXXXX, OH XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  Balance : {$1200.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ( Date Opened : XX/XX/XXXX ) XXXX XXXXXXXX XXXX XXXXXXXX {$10000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX 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

In accordance with the Credit Reporting Act XXXX XXXX XXXX reported by XXXX reported for the months of XX/XX/2022 has violated my rights per 15 USC 1681 Section 602, which states I have a right to privacy. 15 USC 1681 section 604 A, section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B states a creditor may not treat a payment on credit card account for under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, my name is XXXX XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX. I am contacting the bureaus ( Transunion ) today to have the following negative items disputed from my credit report. The negative items are impacting my score tremendously and I ask that they be deleted from my report. The items I need removed are listed in the report attached. I have notified the companies that I did not make these charges and that they are fraudulent. I reported the theft of my identity to the Federal Trade Commission and I also attached copies of the Federal Trade Commissions Identity Theft Affidavit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to contact Transunion to place a security freeze and lock both my credit report and credit score. I do n't want any financial institution or any creditor or any person or entity to be able to check my credit report or credit score. Transunion did n't respond to me. Please lock and place a freeze on my credit report and credit score.
Product: Credit reporting or other personal consumer reports

I RECENTLY OBTAINED A COPY OF MY CREDIT REPORT AND NOTICED THAT I HAVE SOME HARD INQUIRIES THAT I DID NOT AUTHORIZE. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

DESPITE MY PERSISTENT EFFORTS TO CONTEST THE INACCURACIES IN THE INFORMATION PROVIDED TO XXXX, AND TRANSUNION, UNFORTUNATELY, THE UNAUTHORIZED INQUIRIES STILL REPORTING IN MY CONSUMER REPORT WHICH VIOLATES MY RIGHTS AS CONSUMER. 

THE FOLLOWING INQUIRIES ARE NOT AUTHORIZED : XXXX. 
XXXX. The inquiry was not authorized CARD ASSET Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

TRANSUNION XXXX. The inquiry was not authorized CARD ASSET Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Credit reporting 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 : Balance : {$24000.00} Account Name : XXXX : Account Number : XXXX : Balance : {$0.00} Account Name : XXXX : Account Number : XXXX : Balance : {$750.00} Account Name : XXXX XXXX XXXX XXXX Account XXXX : XXXX : Balance : {$2100.00} Account Name : XXXX : Account Number : XXXX : Balance : {$1400.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$1100.00} Account Name : XXXX XXXXXXXX : Account Number : XXXX : XXXX : {$350.00} Account Name : XXXXXXXX XXXX XXXXXXXX : Account Number : XXXX : Balance : {$320.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 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 or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FRCA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CPFA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with Federal law and provides consumers with the necessary proof of investigation.
Product: Money transfer, virtual currency, or money service

On  XXXX   XXXX     2017 I r eceived a transfer of {$100.00} that was deposited into my  Google Wallet bal ance. Since that date I have been unable to withdraw or transfer that money on th e Google Wallet App a nd Website due to the account being a " business account. '' I have talked to their support twice and they give me the runaround each time promising to escalate to a " specialist '', whatever that is, in a followup email.      Of the two conversations I received one followup stating : " Im looking into the issue you reported and checking with our product experts. I 'll update you in 24-48 hours. '' There were no further updates. It seems that Googles policy is to indefinitely hold onto my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the listed account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXXXXXX 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 an account without my written instructions.

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: Debt collection

PLEASE REMOVE THESE FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE THIS FRAUDULENT ACCOUNT : XXXX XXXX XX/XX/year>2022 {$11000.00} I am a victim of identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX 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
Product: Mortgage

My personal information was disclosed to sellers ; social security number, credit history, income, address, and marital status. I am attaching the paperwork that disclosed this information.
Product: Debt collection

A company named Forster and Garbus garnished my wages for a debt that is not mine. I was never informed of this either. My employer showed me a paper and it showed an address I havent lived at for years. I called the company and they were demanding my personal info and said they wouldnt help me if I didnt give them my info so I hung up. The paper my employer showed me was from 2007 and it was my maiden name. I was already married in 2007. I have no debt in my credit report I am in debt consolidation and pay all of my bills.