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 information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the XXXX credit bureaus are required by law to remove & block any accounts or information 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 files. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with XXXX XXXX accuracy that each item is XXXX XXXX true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

A debt collector by the name of Law Offices of Mitchell D. Blum & Associates has not notified me about a delinquent account that this debtor collector has reported on my XXXX creditor report. I called the Law Offices of Mitchell D. Blum & Associates after I saw the negative report on my XXXX credit report and asked them to remove the negative reports off my credit report. I want the Law Offices of Mitchell D. Blum & Associates to remove the negative/past due bill reports off my credit reports. These debts have already been paid to the original medical company.
Product: Credit reporting or other personal consumer reports

My credit score decreased XXXX XXXX  due to my SSN being compromised on the dark web.
Product: Debt collection

Every day I get a call from XXXX / XXXX saying they are from Macy 's, after I inform them I do not have a Macy 's credit card they then ask for social security number which I refuse to give them. I talked to Macy 's and they have not made any calls to me. I would like for these calls to stop.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureau is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The FTC ruled that Credit Karma was to pay users for falsely telling us we we eligible for credit cards then not receiving credit card offer. I did not receive my part of the settlement. For they screwed the XXXX out of me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not my account, my ex-wife fraudulently opened the account right before our divorce. I have never purchased a vehicle from this car lot, nor will I ever. Multiple disputes have gone " verified '' - show me my VALID signature. EQ, XXXX, and " XXXX XXXX XXXX '' are ruining my credit illegally.
Product: Debt collection

upon checking my credit report I noticed some accounts that I did not authorized.
Product: Debt collection

Experian, I disputed XXXX XXXX XXXX XXXX as an fraudulent account. All Experian did was add an fraud alert to my report but did not delete or block the account. This account is also attached to the inaccurate address XXXX XXXX XXXX, you have listed. Ive filed an FTC report listing that address and this XXXX XXXX XXXX XXXX account in which I mailed in to Experian, along with my proof of identity. This has been an ongoing battle. Each time I get requested to send in more documents, I fax them it and to get the same results an updated account with no changes to my report. This is very frustrating and embarrassing. How is the consumer ( me ) being protected if the bureau ( Experian ) is being allowed to break the laws. If an item on your credit report is inaccurate or incorrect then it should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS A VICTIM OF IDENTITY THEFT DUE TO THE MASSIVE DATA BREACH OF EQUIFAX. I HAVE TRIED RELENTLESSLY TO HAVE THE ITEMS BLOCKED VIA 1681-c2,  HOWEVER THE CREDIT REPORTING AGENCIES REFUSE TO REMOVE THE ITEMS EVEN THOUGH I PROVIDED THEM WITH A FTC REPORT, POLICE REPORT AND SWORN AFFIDAVIT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Debt collection

This is not my debt, it just randomly appeared on my credit file XX/XX/XXXX XXXX I was a victim of identity theft, Ive reported the identity theft to the police and all 3 credit bureaus with no resolve, Please assist me with clearing my name ... Franklin Collection Service is the collection agency and the original creditor is XXXX, I dont have an account with XXXX  or Franklin Collections, Ive never had an account with them ... they claim I owe them $ XXXX..this is fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to bring to your attention a concerning issue I have encountered with Comenity Bank regarding the re-aging of my account, which I believe to be in violation of consumer protection laws. 

In XX/XX/XXXX, I obtained a copy of my credit report. According to that report, the Date of First Delinquency ( DOFD ) for my account with Comenity Bank was listed as XX/XX/XXXX. However, upon reviewing my most recent credit report from XX/XX/XXXX, I discovered that the DOFD had been inexplicably changed to XX/XX/XXXX. 

This sudden alteration of the DOFD by Comenity Bank raises serious concerns about the accuracy and integrity of my credit report, as well as potential violations of the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. Re-aging an account, which involves changing the reported date of delinquency to extend the time period for which negative information remains on a credit report, is widely recognized as an unfair and deceptive practice. 

I wish to emphasize that I have not engaged in any activity or made any agreement with Comenity Bank that would justify a change in the DOFD on my account. The XX/XX/XXXX credit report accurately reflected the original delinquency date of XX/XX/XXXX, and there have been no new incidents of delinquency or default since that time. 

I kindly request that the Consumer Financial Protection Bureau thoroughly investigate this matter and take appropriate action against Comenity Bank if it is determined that they have indeed engaged in illegal re-aging practices. Additionally, I would appreciate your guidance on the steps I can take to rectify this issue and ensure that my credit report reflects accurate and lawful information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I've opened card at citi bank branch on XX/XX/XXXX. I got their offer page for prestige card with XXXX points and annual fee XXXX as a gold client customer. I have their origin paperwork as proof. They helped me open and it was instantly approved. The banker told me she made a mistake, and the offer term got something wrong, so we went help with the citi gold manager to fix it. They confirmed me everything was fixed and I would get the right points and right annual fee rebate, however, the annual fee rebate would happen after several statements because it was a new card and the rebate would happen later. Now after several confirmation with the phone rep, I was double checked and triple checked I would have my rebate after XXXX cycle. But it did not happen, I called the phone rep again and they told me a different story, and the annual fee which citi agree on was not existed, and there was no notes from the previous several dialogue. I am frustrated that citi take back what they promised and told me that they would honour for me. Citi showed they failed to help me with the issue, and also they did not agree to do any investigation and believe I was talking nonsense. I feel sad and helpless for what citi tore away our trust.
Product: Mortgage

We were shopping for Mortgage loan soon after our house contract was sighed. At the very beginning, we talked to XXXX XXXX and were very happy with their offer. BOA Mortgage Lender approached us and agreed to match XXXX XXXX  offer. Because of this, we turned off XXXX XXXX offer and chose BOA given that we are existing BOA customers, we thought it may help to streamline the loan application process. Unfourtnately, the experience was very unpleasant. 

- BOA failed to provide the offer they agreed. At the time when the lender approached us, she agreed to offer us a 3.125 % interest rate with no point and no application fee. However the loan estimate has both point and application fee. We questioned the discprapancy and the lender explained it was due to internal system internal issue and she will get it refund to us. Given the tight closing time, she suggested us to proceed with the loan to avoid delay and promised to refund the difference to us. 

- BOA failed to respond and resolve this issue in a timely manner. We keep asking for the refund progress but no response yet. The issue was escalated to the lender 's VP and then another division. We were informed the person was on vacation and no estimated time of cure was given. 

- BOA failed to act professionally. I 've seen several mistakes at the closing statements - typo in the address of property we bought, revised closing figure which we percieve a reasonable lincesed lender would not do so. The clsoing date was delayed because BOA failed to provide all documents to escrow timely.
Product: Credit card

I requested information this last XX/XX/2023 and I have yet to receive anything. 

Please have this company upload the following documentation. 

All billing statements, payment history, the terms and conditions of this agreement, and a document showcasing how my payments were applied. I.E allocation of payment.
Product: Credit reporting or other personal consumer reports

TransUnion is reporting a collection account from " XXXX XXXX XXXX XXXX '' with account number XXXX and a balance of {$410.00} on my credit report. I disputed this account, invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i and 1681s-2 ( b ), and requested full verification. I demanded proper documentation such as the original signed contract, a detailed payment history, and the legal chain of assignment to prove the agency 's authority to report the debt. However, TransUnion failed to provide these documents within the required time frame. This omission violates the FCRA and case law standards ( e.g., XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TransUnion, and XXXX XXXX XXXX ), which require credit bureaus to conduct a reasonable investigation and furnish verifiable documentation. TransUnion continues to report the account without proper verification.
Product: Student loan

Navient refused to allow my student loans into an income forgivness program.
Product: Mortgage

XX/XX/2018 I was approved for a Trial Mod based on the fact that I have good income and I am a XXXX Veteran. The reason I needed a loan mod to begin with was due to my wife XXXX  and XXXX XXXX. I fell behind on payments 4 years ago. I was on a plan and then fell off the payment schedule again because I became XXXX  and didn't know it. I could n't drive and felt sick most of the day. My friend drove me to the hospital and the VA docket got me on meds immediately or I could have died. With that said I was not in the right state of mind or health to make the payments. I have since consolidated my incomes to my Wells Fargo checking account so the money goes in one account and payments can be made to Wells Fargo automatically. However, they kicked me out of the 3 month Trial MOD and would not let me pay the last 2 payments. They made me go through an appeals process that denied me because I didn't show my new XXXX expenses. I DONT have any. The VA covers it. MY income is the same my expenses are the same and I was qualified before on the same information of income and expenses. They didn't even ready what happens and labeled this an expense issue. I am so disappointed. I am XXXX years old and was a XXXX in the XXXX with XXXX XXXX XXXX and I can make my payments. I can't help that I got sick. I live alone mostly and no one to help. Please help me stop the sale. I have equity and I can't lose my home. I can make my payments and have showed plenty of income. Please HELP me. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I can not lift the freeze on my credit. I tried logging in online, which failed. I tried to reset my password but that page did not work. I tried with two browsers. I called tech support. The agent reset my password but then I could not change my password. The system returned an error that there was a problem on our side try again later. I tried again later it still didn't work. 
The agent said to call a number to lift the freeze. I tried calling but could not get through to an agent or was disconnected after answering numerous questions. I tried 3 times, 2 times the automated system would say we are having trouble matching your information, the third time I briefly got to an agent but was disconnected. I need to lift this freeze to make a purchase. I have spent over 30 minutes trying to lift the freeze.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion failed to verify the Collection/ Closed / Open account and balance amount being reported for XXXX XXXX pursuant to The Fair Credit Reporting Act 609. Disclosures to consumers [ 15 U.S.C. 1681g ], Section 609 ( a ) ( 1 ) ( A ), and FCRA 611 ( 15 U.S.C. 1681I ). PROCEDURE IN CASE OF DISPUTED ACCURACY. 

It is unlawful and damaging to disregard or deny my request for disputed false, incorrect, and inaccurate information appearing on my credit report. Such actions are in direct violation pursuant to The Fair Credit Reporting Act. All information that is false, incorrect, and inaccurate is illegal to report in my credit file. The new updated information is not only false but also inaccurate and incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act DIVISION OF CHILD SUPPORT # 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, credit repair services, or other personal consumer reports

I have been submitting letters on XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. Upon reviewing my updates, incorrect information are being reported to my personal credit file. The XXXX, and TransUnion Credit Reporting Agencies has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i and 605b, and continued to report unverified information without providing any proof required by law. The 3 Credit Bureuas have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed ; XXXX XXXX IN XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX FINANC XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXL XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

Experian XXXX and XXXX have a negative credit card debt on my account from TOTAL VISA of {$300.00} thats not mine Ive disputed it but no response or results
Product: Credit reporting or other personal consumer reports

This is my repeated favor that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm arguing have nothing to do with any transactions I've carried out or given permission for a reason to obtain goods, services, or cash. Please take the following things away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

This company has emailed me about this account that does not belong to me. I have asked them to REMOVE this off my credit report more than once. They sent me a credit card statement. I told them I don't recognize that. I have asked for something with my signature on it but they have failed to do so. I went to my local counts to file a suit but they told me I will have to file it where the company is registered at. I will do this once covid19 is over.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under XXXX  according to XXXX XXXX XXXX XXXXXXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Accounts to be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of the data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account # XXXX, XXXX  XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX US DEPT ED Account # XXXX US DEPT ED Account XXXX XXXX DPT EDXXXX Account # XXXX XXXX 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