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

there is fraudulent information on my credit report that I had no knowledge of it being on my credit report I would like these items to be removed off my credit because its effecting my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts keep coming back on to my credit report that was included in my bankruptcy case. XXXX XXXX, XXXX  XXXX XXXX  XXXX, XXXX, COMMONWEALTH OF VA. I SUMBIT A DISPUTE, XX/XX/2020 TO THE COMPANY 'S AND ALL 3 CREDIT BERUES.
Product: Credit reporting, credit repair services, or other personal consumer reports

Early Warning Services , LLC is reporting an account that has been included in my chapter XXXX bankruptcy. I do not owe any amount of money to XXXX XXXX XXXX, nor has the account been handled improperly. I have requested the report be removed from the record as any negative balance has been included in the chaper XXXX bankruptcy, file number XXXX. The account is nearly 5 years old and should no longer be reported. This has caused a tremendously negative  effective against my banking relationships as well as employment opportunities.
Product: Credit reporting or other personal consumer reports

Equifax CREDIT FILE : XX/XX/2024 Confirmation # XXXX Equifax is not investigating a false charge by a former landlord attempting to extort me after moving out. They falsely charged me for move out fees but the unit was cleaner than when I received it. 

I have complained about the original landlord to the CFPB and XXXX. I submitted proof in photos of the condition to equifax and they ignored my documentation and refused to investigate the charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have items 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 that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX Balance : {$1300.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$470.00} ; XXXX XXXX Balance : {$9900.00} ; XXXX XXXX  Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

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

I am filing a complaint against XXXX for a failing to improperly. Investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within XXXX hours. Stating the account is accurate without providing any evidence of thorough investigation. This practice violates the fair credit act reporting. Which mandates a reasonable investigation of disputes? Furthermore, XXXX actions may also contravene.The consumer financial protection act as highlighted in the cfp b 's recent administrative Proceedings against them similar violations.I request that CFP b take action to ensure Equifax.Complies with the federal law and provides consumers with the necessary proof of investigation
Product: Credit reporting or other personal consumer reports

All inquiries and credit cards were not authorized by me someone is trying to use my information.
Product: Mortgage

FAILED TO PROVIDE PROOF OF CLAIM : ORIGINAL PROMISSORY NOTE WITH SIGNATURES. Please provide me with the documents I have requested and a detailed answer to each of my questions within the required lawful time frame. Upon receipt of the documents and answers, an exam and audit will be conducted that may lead to a further document request and answers to questions under an additional QWR letter. PLEASE ENSURE THAT ALL RESPONSES ARE IDENTIFIED AND REFRENCED FOR EACH ITEM and/or POINT OF REPRESENTMENT OF FACT. 

Copies of this Qualified Written Request, Validation of Debt, TlLA and request for accounting and legal records, Dispute of Debt letter are being sent to FTC, HUD, Thrift Supervision, all relevant state and federal regulators ; and other consumer advocates ; and my Congressman within 30 days. 


It is my sincere hope that you answer this RESPA REQUEST in accordance with law and the questions, documents and validation of debt to the " XXXX '' are correct and any abuse ( s ) or scheme ( s ) uncovered and thoroughly documented.
Product: Checking or savings account

After depositing a payroll check, the bank made available an amount which I used to make a transfer {$200.00} later. one day after, I realized they had removed the available amount, making the whole check unavailable since XX/XX/XXXX until XX/XX/XXXX, this is a company check, I have already deposited three checks from three different payroll period for the same company. As a result, my account has now an insufficient funds fee of {$35.00}, and they say the only solution is me depositing the {$200.00} in order to avoid additional insufficient funds fee. I have left the bank without a solution, without funds in my account, and with the threat of additional fee, all caused for bank errors.
Product: Credit reporting or other personal consumer reports

Please see supporting documents pertaining to the XXXX data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report XXXXXXXX {$310.00} XXXX   XXXX {$8900.00} XXXX  XXXX {$670.00} XXXX  XXXX {$670.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian without regret continues to publish false and inaccurate late payments on my report. In spite of my efforts to work with XXXX XXXX auto finance, experian  will not correct the errors on my report damaging my fico  credit score with late payment reporting 's that are NOT accurate. Today, I pulled my report to find that they moved a late to XXXX XXXX previously reported XXXX XXXX with an addition to adding an additional late for XXXX. ( see screen shot attached ). XXXX  XXXX has been gracious in trying to correct the errors that Experian continue to produce on my report. Experian is negligent and willfully producing this false information on my file. See attached letters from the presidents office at XXXX XXXX. The errors are not coming from XXXX XXXX. Experian is the source for the false late payments being reported. The letters from XXXX XXXX prove this. Experian is dedicated to moving late 's from one month and I have to repeatedly write letters and submit complaints about the matter. 

Experian has a long history of providing false and inaccurate information to suppress credit scores to provide suggested sub prime lenders who are paying them to conduct business in a wreckless manner. They are not in line with how the other bureaus conduct business. I have not had any late payments on my history with this account. The surmountable stress these tactics are causing me violates my rights under the fair credit reporting act. I went ahead and paid off this account in XXXX so they no longer have a platform to willfully damage my fico score. Experian should not be allowed to repeatedly violate my rights by not producing accurate account history. XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX late payments are not accurate. There should not be any 30 day late payments on any month on my report at all for XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

hi experian has a 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 XXXX experian has me at a score around XXXX. That is a huge difference. experian 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 experian i spoke to a representative agent name 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 accounts 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 10 times. experian 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 homeless n cant provide to my two year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Mortgage

XXXXXXXX XXXX XXXX I work up tell XXXX and i put everything into my home just tobe rob from me with a reverse mortgage. What a feeling at my age i should be enjoying the golden years and not worrying about money. I never been in trouble walk right all my life did 8 years with the XXXX on a XXXX boat out in the sea never seen land for months. I still fought for this country we live in I don't even recognize my hometown. This reverses mortgage was supposed to make me live without having to worry about money. I put all my money into my home I raised my boys.one of my boys came home to help me and I'm thankful he did I needed it.now what i know about this reverse mortgage i wouldn't have sign the papers, I would have finish paying my house of i was only XXXX away from doing just that. I started with XXXX bank and now I'm with XXXX XXXX I have equity on my home its XXXX but sense the interest is climbing so fast no other mortgage company will help a old veteran causes it's up to XXXX they had 6 lawyers all in one room it was just me and my boy all alone they never told me not once that I was gone have XXXX interest. I would have never sign!!!
Product: Credit reporting or other personal consumer reports

Equifax, I was a victim of identity theft - please see attached credit report as well as FTC ID Theft Report. Please have these inaccurate items removed and fixed from my credit report immediately. 

Thank you
Product: Credit reporting or other personal consumer reports

Private information exposed publicly in recent events. Account information inaccurate. According to 15 usc 6801, The gramm-leach-bliley act. 15 usc 1681 ( b ). Non compliant with the FCRA. The total balance of {$12000.00} to be deleted from Trans union, Equifax, Experian profiles. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I presume that no proof of the alleged debt, nor therefore any such debt, infact exists.
Product: Checking or savings account

In XXXX, I realized that there were some atm withdrawals from my Chase bank account at chase in the amount of {$7000.00}. I called XXXX on XXXX when I was gon na buy a nice gift, and I saw there were insufficient funds. So I saw atm withdrawals and other unauthorized charges. I had used the card for XXXX and such and I had no idea this happened. I also need the {$24.00} in fees refunded. There were also fraud alerts and I said I never authorized the charges and called and the agent said they think its fraud. I even filed a police report and everything and they still want to hold me responsible. By the way, they need to remove my name from any consumer reporting agencies they reported me to.
Product: Mortgage

XXXX owns properties. We wanted to refinance XXXX. Property XXXX ( XXXX ) initiated the process with my bank ( US BANK ) whom I have a XXXX relationship with. Approximately XX/XX/year> I began correspondence with individuals at US BANK regarding refinancing XXXX of our buildings. All correspondence was done via email and their portal. Before initiating the entire process I asked if email correspondence would be sufficient due to my mother being elderly. I was assured this would not be a problem. If and when closing time arose we agreed, individuals would visit the house where mom lives, to close..sign docs ... etc. Over XXXX documents were submitted via their portalFast forward to the end of XX/XX/year>, we decided the rate they were presenting was not favorable. Refinancing into a higher rate was not going to happen. Owner said no. We pulled out of the refinance and decided not to continue. US BANK became aggressive and wanted to bypass me to talk to her. US BANK started calling and emailing daily. I inquired why? US BANK stated they just wanted to talk to her. All correspondence was relayed to the owner. Final conversation with US BANK person now heading the loan became impassioned. XXXX weeks later the SHERIFF visited our residence consecutive days investigating a criminal complaint regarding elderly abuse. Upon speaking with the owner they determined the the allegations had no merit. 
Someone at US BANK intentionally forwarded this attempted loan to XXXX XXXX XXXX citing Elderly Abuse. They never spoke with her to commence the loan and only called when we decided to back out. There are emails during the duration of the loan stating how we did not want to go through with the loan due to the high rates. I cooperated with every aspect of the loan they required. Mom does not communicate much over the phone but had no problem with them coming out upon closing if necessary. Which it would be necessary. I feel it was vindictive because we backed out. I have reached out to US BANK and they stated that there is no proof they were they ones who called. I did not attempt to refinance with anyone else. US BANK members filed a false police report. At no other time during the duration of the loan did they feel any elder was being abused until no monies was taken and the loan attempt was concluded.
Product: Credit reporting or other personal consumer reports

I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action.

Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. 

Account Name : XXXX XXXX Account Number : XXXX Additionally, I request the removal of all unauthorized inquiries related to this identity theft : Creditor Name : XXXX  Inquiry Date : XX/XX/year> Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 
I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities.

I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. 
This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. 
Thank you for your immediate action to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am request the REMOVAL of my security freeze/block!!! I am trying to get the updated and accurate information on my credit file! My current and only address and name XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX Please remove any other Date of Birth on my file. I am in the process of correcting my file with XXXX, XXXX XXXX, XXXX the also have records of file the are wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reports a collection account with XXXX for a balance of {$310.00} which is not due and has never been due and with conversations with XXXX XXXX, they will not remove it from the credit report ( even if paid ). 
I have requested the credit bureau to remove it and have not been successful in this effort.
Product: Debt collection

I have an account listed on my credit report from Progressive Financial Services stating I owe a debt. I contacted this company stating the debt was not mine however it is still listed on my credit reports. They also sent me what was suppose to be debt validation info which was merely copies of info retrieved from unknown sources. The company must be willing and able to produce a document from their files that proves the account in dispute belong to me and the information being reported is accurate. Someone in their company must authenticate the documents in their files that were used to " verify '' the disputed account and to do this they must have 1st hand knowledge of the alleged account and all that has ever transpired for the alleged account. I have tried to resolve this with the collection agency and have been unsuccessful. 
Thank You
Product: Checking or savings account

XX/XX/2022 Greetings : During the first week of XX/XX/2022 Citizen Bank telephoned me. Citizen Bank mention my debitcard had been compromised. 

This was a recording. I didnt follow though by pushing buttons. In turn I called Citizen Bank to speak with a representative. 

At that time a representative mention charges to XXXX, XXXX, XXXX, XXXX, XXXX. I denied the purchases, and Later I called Citizen recalling. The XXXX this is my purchase. 

The representative refiled a second claim. Next I receive a letter saying there was no fraud. 

These circled purchases arent mind. 
My debit card has never be out of my possession. 

The only person that knows my pin is only know to me XXXX XXXX. 

I went to Citizen XXXX 2022 and receive a new debit card with same pin. Lastly I have been a client in XXXX XXXX 

In addition as child until theyre new names XXXX XXXX  XXXX and now Citizen Bank XXXX 

I hope keep my relationship with them. Please dont allow Citizen Bank to take my hard earn labor. 
Sincerely, XXXX XXXX
Product: Student loan

My name is XXXX XXXX and I unfortunately am a victim of the fraud at XXXX XXXX XXXX. I suspected and was very suspicious from the start of Predatory high interested loans in which caused me to default and keep putting in foreberance. I am unable to get a job nor has the school sent me on XXXX interview. There were also monies that I am owed through stipend checks that XXXX never gave me the option to receive. They just kept rolling it over into next semesters cost and fees without even giving me an option. I was the XXXX student to enroll and on paper at XXXX XXXX XXXX of XXXX, PA at XXXX XXXX XXXX, PA XXXX. The campus in XXXX XXXX was just getting set up under Director XXXX XXXX and XXXX XXXX XXXX. I was there for about XXXX semesters and they did n't even offer night classes which effecting me getting work and I had to turn down several jobs. I ended up switching campuses doing one semester in XXXX, PA and then a couple at XXXX XXXX, PA Campus before finishing up back in XXXX XXXX XX/XX/2016 in which I graduated with an XXXX in XXXX. The teachings were outdated, the books, literature and all were ridiculously expensive and has left me in dire financial straits. I want to sue for XXXX, XXXX and XXXX, mismanagement of funds, misuse of funds, predatory lending etc.. I want all of my loans to be forgiven subsudized and unsubsidized. I am also suing for monies owed. I would like to take part in this lawsuit and testify. They owe me lots of money! XXXX XXXX XXXX and XXXX XXXX XXXX took over in the end.
Product: Money transfer, virtual currency, or money service

XX/XX/2021 I was trying to buy an account on ( XXXX XXXX XXXX ) I transfer the money to seller but he didnt give the account. seller said close the case so he will give me the account so I did and he still didnt give it.. I cant close the case anymore so I did I use the option unauthorize used and explaining that I got scam but I cant get a refund. I just want to get my money back, I use paypal. Thank you for help
Product: Credit card or prepaid card

I have called three times to close my account. Upgrade representatives continue to tell me I can't close my account until the balance {$0.00}. So I opted to do a balance transfer to reduce the balance, and it has taken them three weeks to acknowledge my bank sent them a check. Now they are saying it will take another 2 weeks to credit my account, and close it out. Also charging me interest immediately with no grace period.
Product: Credit reporting or other personal consumer reports

I respectfully urge you to promptly and decisively address the removal of the fraudulent accounts from my credit report.