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

XXXX XXXX  is on my Trans union credit report. It is not mine debt and should be removed. I provided Trans union with the valid paperwork for this debt to be remove and they have failed to compile with the The Fair Credit Reporting Act ( FCRA ) is the federal law that, among other rights, gives me the right to dispute incomplete or inaccurate information. Due to there lack of responds I file a complaint with the Consumer Financial Bureau until this debt is removed. Please note : XXXX & XXXX has already removed this fraudulent debt from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX & XXXX IS REPORTING LATE PAYMENTS FOR AN ACCOUNT WITH XXXX XXXX XXXX FOR XXXX & XX/XX/2017. I HAVE NOT ONLY ATTACHED A STATEMENT FROM THE CREDITOR SHOWING THAT PAYMENTS WERE MADE. EQUIFAX & XXXX HAVE YET TO UPDATE MY CREDIT REPORT TO RETRACT THE LATE PAYMENTS. SEE ATTACHED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a car loan with XXXX. XXXX was closed when I sold the vehicle to a dealership on XX/XX/XXXX. XXXX has reported XX/XX/XXXX payment as late to all credit agencies. Per attached documents, the vehicle was sold before XX/XX/XXXX payment was late. When vehicle was sold I got a 30 day payoff amount. This was no longer my vehicle at the time the XXXX payment was late. 

I DEMAND THAT ALL PAYMENTS ARE CORRECTED AND REPORTED AS CURRENT TO ALL CREDIT AGENCIES.
Product: Credit reporting or other personal consumer reports

I am reaching out to Trans Union to initiate an investigation into identity theft. Under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), I request a comprehensive validation of the disputed accounts following the prescribed procedures. This specific section governs credit reporting agencies ' obligations during inquiries concerning contested data.

Furthermore, I want to emphasize that the Fair Credit Reporting Act ( 15 U.S. Code 1681e ( b ) places a responsibility on data furnishers to furnish accurate and complete information. Due to the evident inconsistencies in my credit report, I demand prompt corrective measures as stipulated by this provision.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER request that I dispute particular records on my credit file that do not belong to me, that I have signed any agreement, or that I have been the victim of identity theft and that no one appears to care. The data I'm disputing has nothing to do with any transactions I've carried out or approved in order to obtain goods, services, or money. The following INCORRECT ADDRESSES should be removed. 
XXXX XXXX XXXX XXXX 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

XXXX equifax credit bureau compromised and sold my identity to a mortgage loan lender under someone else identity that identity theft my social personal information and put a debt after equifax fraud ran my credit and abused my social security number and approved a mortgage loan for subspect XXXX XXXX and XXXX loans also XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX all of XXXX XXXX Nevada where two mortgage debts fraud identity has been placed illegal for public someone else mortgage loans thats mother sister related to XXXX XXXX she used my credit identity theft my identity and finances a mortgage loan equifax illegally ran my credit and put her debt loan installment payment XXXX which I'm disputes now off my credit report equifax XXXX loans from 2018 where my identity again was stolen compromised by e a equifax selling my identity student loan has a different name and different account holder information and all XXXX student loans XXXXwas again placed under my identity XXXX XXXX XXXX mortgage loans please remove all three loans from two mortgage loans taken out against my identity fraudulent I don't own no home my name isn't on mortgage deed nor loan my credit was ran fraudulent under XXXX XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX identity theft loan account 5 years now during damage my collectable credit from me buy my own house credit lender mortgage loans for my own purchase I've been blocked by your credit bureau equifax where they have fraudulent charges XXXX installment payments and student loans that I am not account holder off and refuse to remove mortgage loans where my name is not own mortgage deed nor lender but my identity compromised ran by equifax and fraudulent debt collectors collection is own my credit
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX Balance Owed : {$67.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00}
Product: Debt collection

This debt continues to be reported to the credit reporting agencies as an open collection however I received a " Cancellation of Debt XXXX '' to report on my taxes. If the debt has been ( cancelled or forgiven ) as it reads on the XXXX, how can they still pursue collection?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made a Fraud alert with the federal trade commission involving identity theft. The following INQUIRIES ARE FRAUDULENT, REMOVE THEM ALL 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

For 3yrs, i have notified the CRAs of fraudulent information on my credit. For 3yrs they just reverify ... everything ... so on XX/XX/18 i sent an internet to sue letter. They're response was ... ... they now report i owe over 1 million dollars in student debt! I really owe XXXX per my monthly statements. One of these student loans shows me 120days late from the day it opened ( while i was in school/ deferred ) My life has been affected in so many ways ... where i live, where i work, what i drive, where my kids vacation, my self esteem and my health. 
XXXX XXXX XXXX keeps moving my last activity date forward and checked my credit to file a lawsuit against me. 
Being rude and impossible to talk to. 
I have a recent XXXX collection but have been with XXXX for 5yrs! I have a first XXXX credit card collection that was never mine ... 
No one will provide me evidence of where there getting these from. 
XXXX reported me 30 days late and i wasn't..i disputed it..so they updated those months to current then reported other months late! Causing me a credit score decrease of 60pts
Product: Bank account or service

My Bank, PNC in XXXX PA, paid my full credit card balance {$4800.00} instead of {$120.00} minimum due payment I checked on online banking for them to pay. This made an overpayment in my checking account This caused other monthly bill payments to bounce. I had to call the PNC bank seven times and spoke to two managers who guaranteed me they would fix the problem but never did. Those managers names were XXXX XXXX of the Retail Escalation Department and XXXX XXXX whom I do not know what department he was from. 
A lady name XXXX XXXX who was not a manager but from the Retail Escalation Department helped me stop the other checks from bouncing and took of the bouncing fees ( hopefully ) yesterday XXXX XXXX 2016, She is not a manager. XXXX XXXX took time to help me when those other managers did not give a clue of what to do. I was told by XXXX the reversal of this horrible mistake will take three days to be cleared. This means the credit card payment can not be paid until next Wednesday XXXX XXXX. I asked XXXX for another way to pay my credit bill without being charged a fee and she did give me an alternative. I am hoping this complaint will stop PNC from continuing to make mistakes to my account. I am looking for another bank to do business with. Thank you. PS. I spoke to a man named XXXX ( he said he was not allow to give a last name or ID number ) in your complaint Department, he told me it would be better to write a complaint even though your website says I can do both.
Product: Mortgage

After making on time monthly payments, DiTech has decided to report me late to the credit bureaus. In addition, they continue to state I owe monies that i do not owe. They claim it is due to escrow shortage however, my escrow statement from XX/XX/2016 shows an overage. DiTech states that the payment changed due to escrow changing. Per my contract, it states that the escrow amount XXXX change after the first year, not before I made my first payment. 
In addition, I 've been leaving messages for my DiTech representatives to discuss the matter per their previous complaint response and HAVE NEVER RECEIVED A PHONE CALL BACK EVEN AFTER REQUESTING ONE. Here is a list of dates : XXXX at extension XXXX : XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, and XX/XX/2016. 
XXXX extension XXXX : XX/XX/2016, XX/XX/2016 she stated she submitted a verbal dispute, XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, and XX/XX/2016. 
XXXX ( manager ) x XXXX : XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, and XX/XX/2016. 
XXXX x XXXX - I spoke to her on XX/XX/2016 and she said she would have an account manager call me back. I tried reaching her several more times after I did n't get a call and could never get through to her again as she had no voicemail set up.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under XXXX Sec XXXX Under XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( b ) XXXX XXXX XXXX ( A ) UCC XXXX Part XXXX, and FCRA these accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under XXXX XXXX. Sec. XXXX ( a ), XXXX, XXXX, XXXX, you must complete this reinvestigation within XXXX  days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under XXXX XXXX XXXX, XXXX, XXXX, XXXX these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX Lead Bank Date Opened XX/XX/XXXX Balance {$100.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$11000.00} XXXX XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance {$0.00} **Inquiries** XXXX XXXX XXXX XXXX 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 contacted JP Morgan Chase as well as XXXX Credit Reporting about a Chase Credit Card that I closed in XXXX of 2018. For some reason, on XXXX ONLY ( out of all 3 credit bureaus ) XXXX is reporting that I have 3 Chase Credit Card Accounts. TWO OF THOSE  supposed " credit card accounts '' have the EXACT SAME ACCOUNT NUMBERS. One of those accounts, shows that the balance is paid in full and closed. The SECOND CREDIT CARD ACCOUNT, AGAIN WITH THE SAME EXACT CREDIT CARD NUMBER IS SHOWING AND CONTINUES TO SHOW THAT I HAVE AN OUTSTANDING BALANCE OF {$6800.00}. WHICH IS A TOTALLY FALSE STATEMENT. 

Despite my making disputes with both CHASE and XXXX, as of TODAY, this still shows as an open debt of {$6800.00}. and it is showing that I am continuing to use 159 % of the available credit to me. HOW DOES THIS CONTINUE TO GO ON? IT HAS BEEN 6 MONTHS OF XXXX. I CAN NOT REFINANCE MY MORTGAGE. I AM FULLY PREPARED TO SUE BOTH CHASE BANK AND XXXX  IF NECESSARY.
Product: Debt collection

Date showing reporting started- XX/XX/XXXX Date showing account started- XX/XX/XXXX Original loan amount reporting- {$5500.00} Past due loan amount reporting- {$8000.00} I have filed and submitted police reports, identity theft reports, as well as numerous letters to request accurate reporting or removal from my credit and to no avail. Account has shown inaccurate reporting as well as supposed collection attempts which have hurt my score with all three of the credit bureaus.
Product: Credit reporting or other personal consumer reports

I am writing to request the deletion of specific entries in my file, which are listed in the attached report. As a victim of identity theft, I did not authorize these changes. In compliance with the Federal Trade Commission, I have reported this identity theft and have included copies of the FTC 's Identity Theft Affidavit.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Following My report provides inaccurate personal information. The following credit report inquiries are also unauthorized : I have no contract obligations with these companies, have never required anything from them, and have never authorized these inquiries in any way. That indicates that the bureau has not complied with the Fair Credit Reporting Act law and has continued to report incorrect information on my credit report. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Inquiries XXXX XX/XX/2021 XXXX, XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$800.00} ; XXXX XXXX XXXXXXXX Balance : {$470.00} ; XXXX XXXX XXXX Balance : {$220.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; U S DEPT OF EDXXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX OF XXXX ( Original creditor XXXX XXXX ) XXXX Balance : {$7500.00} XXXX U S DEPT OF ED/XXXX ( Original creditor XXXX XXXX  ) XXXX Balance : {$3900.00} ; U S DEPT OF ED/XXXXXXXX ( Original creditor XXXX XXXX  ) XXXX Balance : {$7100.00} ; U S DEPT OF ED/XXXXXXXX ( Original creditor XXXX XXXX XXXX XXXX Balance : {$1600.00} ; U S DEPT OF ED/XXXX ( Original creditor XXXX XXXX ) XXXX Balance XXXX {$4000.00} ; U S DEPT OF ED/XXXX ( Original creditor XXXX XXXX  ) XXXX Balance XXXX {$1100.00} XXXX XXXX XXXX XXXX Balance : {$2200.00} ; XXXX, XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$1800.00} ; XXXXXXXXXXXX XXXX XXXX ( Original creditor XXXX ) XXXX Balance : {$290.00} XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX BXXXX XXXX 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.
Product: Checking or savings account

Im a victim of identity theft and fraud Im a victim of the XXXX fraud Im victim of XXXX data breach victim of XXXX XXXX my identity has been sold to the dark web
Product: Debt collection

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The LVNV FUNDING LLC is a corporate account and was mistakenly reported on my profile. The 3 Credit Bureaus had their record-keeping been accurate, and no complete payment history was provided. The 3 Credit Bureau are willfully in violation of FCRA and condoning illegal behavior, they MUST correct or remove this collection account immediately.
Product: Debt collection

A XXXX XXXX loan I had was reported as not being paid off. However ; as part of a debt consolidation program it was paid off years ago. The reported loan amount on a warrant in debt I just received is gravely incorrect. It has since been sold to XXXX XXXX XXXX XXXX who is using Scott & Associates , P.C . to sue. Additionally, the account has been sold off to numerous owners and therefore the information regarding the balance can not be valid ; as there is no guarantee that whatever balance they thought was originally owed is what was report. I have received two warrants in debt ; but have never received a notification prior to the warrants that they would be attempting to sue for payment. Additionally, the debt they are attempting to collect is 6 years old as the credited account was opened in XXXX. The Virginia statute of limitations on debt is five years for written contracts and credit cards and three years for open accounts and oral contracts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive identified accounts and inquiries on my consumer report as a result of identity theft. These items are not related to any transactions made by me. Ive tried to contact the companies directly to no avail. Attached you will find the FTC report, my consumer statement, and my identification proving my identity
Product: Money transfer, virtual currency, or money service

Coinbase Wallet is riddled with security flaws, and Coinbase improperly and unreasonably locks out its consumers from accessing their accounts and funds, either for extended periods or indefinitely. I have tried countless times to resolve these issues with Coinbase. 

When you are unable to access your account, you can not contact Coinbase. After about a year, I decided to open another account under a different email just to chat with support because you can not speak to Coinbase directly by phone ; you have to chat with them online, and the only way you can do that is by having access to your account. Once I finally got to talk to them, they told me I am only allowed to have one account. They even asked me to delete the new account and forfeit my assets. 

Secondly, they told me to identify myself by going through several steps. I sent them my old passport, which I used to open the account, and my new passport since I had replaced the old one. They proceeded to offend me by asking dumb questions about where I got my money if I am unemployed and what I do for a living. This has been going on for over a year, with my chats staying open for hours. One incident this month lasted five hours, and previous incidents took up to three hours at a time on several occasions. 

This situation has caused me to miss opportunities to grow my assets, as XXXX has increased in value. Coinbase 's practices are unfair and unjust.
Product: Debt collection

I have a {$280.00} collections on my credit report opened in XX/XX/year> for XXXX  as the original creditor. CREDENCE RESOURCE MANA Is the collection agency, they did inform me that there could be an error because there is two different charges on there and only {$280.00} being reported. I live in XXXX, I have XXXX  XXXX, XXXX  is not even serviced in XXXX. I have never opened an account with them and would like to have it off my credit report. I called XXXX  and they have informed me that I am not a customer with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, My credit report contains a fraudulent account that I would like to dispute. I have not made any purchases in connection with the account listed below, which appears on my credit report. I believe this is the result of identity theft. I have contacted the company to delete the fraudulent account. Despite my best efforts, I have not been successful. My request is that the fraudulent account be removed from my credit report as soon as possible. 

XXXX XXXX : XXXX Enclosed is a copy of my FTC report to support my case. 
My Drivers License, Social Security Card, Proof of Address and Notarized Letter. 

Thank you!