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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. 

Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is in direct violation of my Consumer Rights. According to the Fair Credit Reporting Act as a Consumer I have a right to Fair and accurate credit reporting. As a Consumer I have a right to ask that the consumer reporting agency block inaccurate information that may be the result of identity theft. On numerous occasions Transunion was informed THE FOLLOWING account information being FURNISHED to Transunion and reported by Transunion is in fact inaccurate and they continue to reportXXXX XXXXXXXX. This account is involved in litigation. I have not supplied proof under the doctrine of estoppel by Silence, Engelhardt v Graven ( MO ) XXXX XXXX XXXX XXXX I may Presume that no proofs of the alleged debt, nor therefore any such debt in fact exists. There are several addresses being reported that do not belong to me as well as inquiries. The following address do not belong to me : XXXX XXXX XXXX XXXX, XXXX, Pa XXXX, XXXX XXXX XXXX, XXXX, Pa XXXX. The only address that should be attached to my consumer file is XXXX XXXX XXXX, XXXX, Pa XXXX as well as the following 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX  ). There should be no inquiries.
Product: Credit reporting or other personal consumer reports

I want to dispute an account on my Innovis Credit report called The XXXX XXXX XXXX : Individual School Loan Account # XXXX. Account status is charge off date opened XX/XX/XXXX and date closed XX/XX/XXXX with an original balance of {$9900.00}. On my Innovis credit report, it says that this account is scheduled to be removed in XX/XX/XXXX. This account should not be on my credit report because I had the Presidential Scholarship and the XXXX XXXX XXXX when I went to the XXXX XXXX XXXX. I did not take out a personal loan or a parent plus loan. Ive actually already consolidated my loans with XXXX and the U.S. Department of Education as it reflects on my FAFSA at student federalsudentAid.gov. I will include a copy of my U.S. Passport, Massachusetts ID card, Social Security Card. Lastly, I will also include a page from my Innovis credit report where it says that this account will be deleted XX/XX/XXXX to help prove that this account is actually in fact on my Innovis credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that you have included CAPITAL ONE information in my credit profile on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I respectfully sent in notarized and certified letters on XX/XX/XXXX and still no response. 

Also, please add a promotional suppression to my credit file. 

This company is NOT responding and reporting inaccurate information on my credit report. 

Under federal law, you have XXXX ( XXXX ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation. 

Thank you,
Product: Mortgage

Wells Fargo led me to believe that I was approved for a loan and good to close on XXXX XXXX 2017. I requested numerous times for over 4-6 weeks that they look at my application and provide me a written approval. None was provided. I was given a verbal every time and " pre-approval ''. I gave them my closing date, they were aware of it. And on XX/XX/XXXX at XXXX, 1 business day before my closing date for my future home, they denied me the loan. I had provided them EVERY piece of information in a timely manner that they had requested as part of the application process. I was not given a reason for denial. I was simply denied. This was tremendously unfair and deceptive to lead me on till ONE day before I am due to close and tell me that I should explore other options. I have to move out of my current house on the XX/XX/XXXX. That leaves me 3 days to figure out how I am supposed to get a mortgage for the new home. This was unprofessional. They are not open in communications. The lender did not communicate directly with me ever! I would like to understand what the basis of denial was. I would like the lender to give me a call or meet face to face and show me the customer respect that I deserve, not hide behind a text message or an email.
Product: Money transfer, virtual currency, or money service

A scammer on XXXX  who identified himself as a real XXXX writer and XXXX volunteer, gave me the contact name and PayPal account of another scammer on PP to send donations. XXXX XXXX XXXX, using tag XXXX. 
Once I discovered the scam, on XX/XX/XXXX, I notified PP in a phone call with XXXX. PP was also notified by a volunteer group on XXXX, XXXX XXXX that investigates reports of fakes or scammers. This notice was sent on XX/XX/XXXX I tried repeatedly to get PP to refund the {$100000.00} and they have acknowledged I was taken advantage of in an internal message to me. I have sent letters to PP Legal, phishing, and security and notified the FBI, FTC, SEC, and local police, and will send this same message to every XXXX in the XXXX. 

This XXXX XXXX account is still active on PP, when I checked today, XX/XX/XXXX All details are in the pdf packet I will upload. 

You can reach out to XXXX, a volunteer group on XXXX who research complaints from users and post alerts following their investigation and due diligence validation. They notify XXXX security, PayPal, FBI and EFCC as appropriate. XXXX
Product: Mortgage

I am having trouble with Rushmore Loan Management.Received syatement that loan payoff was $ XXXX.Now they say I owe about {$12000.00} more in fees and deferred interest.Have asked for explaination but never receive it.With no explaination payment just went up {$140.00} a month.They say due to escrow shortage. Can not get written explaination.This has been six month process.XXXX  XXXX. ( XXXX ) XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im reporting again XXXX XXXX credit card they have not shown me full receipts for this card only the last 3 which were all payments made may me this a clear attempt to keep restarting the 30 day date to respond properly if you look back in your disputes I just recently had same issue with their fanatics card as well again attached is their response which just shows last 3 statements not receipts of all balance and it says if we do not hear from you we assume this debt is correct. So Im responding
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XX/XX/year>. Since then the account has repeatedly been updated as charged off every month. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of imitations. You failed to investigate this account properly and your neglect has violated my nights. I gave you guys two chances to investigate this account and it still has factual errors. I am now demanding a deletion to, the following account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In XX/XX/XXXX I received a letter from Portfolio Recovery trying to collect an alleged debt of XXXX that is not mine. I called inmediately to the phone number provided to inform that there was an error because that debt was not mine. I talked to an operator named XXXX and gave me the address to write to the dispute department. I inmediately disputed the alleged debt and they send the evidence they have that consisted of some copies of statements that are not mine. The statement is from a person named XXXX XXXX who lives in XXXX, Florida. I have always live in XXXX XXXX and my full name is XXXX XXXX XXXX XXXX. I called and wrote Portfolio Recovery disputing the debt and they refused to accept the information given, after receiving various letters and unwanted phone calls I decided to send them a certified letter telling me to stop writing and calling me. After I sent that certified letter in XX/XX/XXXX, Portfolio Recovery in reprisal notified credit companies in XX/XX/XXXX that I had a alleged debt which is not true and affected my credit score from XXXX went to XXXX. I want this information to be removed from my credit report because this alleged debt is not mine. The information given by this company is inaccurate and false.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor Name XXXX XXXX XXXX Account No. 
XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Responsibility Individual Condition Derogatory Original Balance {$370.00} Balance {$370.00} Date Opened XX/XX/2022 Date Reported XX/XX/2022 Remarks Account information disputed by consumer, meets FCRA requirements fraud account need to be removed off credit report profile
Product: Credit reporting

i have numerous times called and called to this company to remove all inquiries from my account that do not belong to me. they have constantly refused to do so and having all of these inaccurate inquiries on my account is hindering me from getting anything worth having. their inconsiderate and reporting inaccurately and i need it to stop, i need results and i need something to happen. i do not have time to go through the stage of pursuing a law suit but that will be my next step. 
the only inquires that should be reporting on my account should be : XXXX
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, & Equifax continue to report incorrect late payments on the account listed as XXXX XXXX XXXX  for the month of XXXX. I would like the documents used by each consumer agency that proves I was indeed late with this payment. This late payment is hurting my consumer report and causing me to be denied credit. 

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

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Credit reporting or other personal consumer reports

I review my consumer reports and noticed that I had four late payments on an account for which I was never late. Consumer reporting agencies play a crucial role and have the responsibility to report consumer information in the best possible way, with maximum accuracy. I have never been late on payments for the accounts included in the attached complaint with screenshots on the dates [ XX/XX/year> ]. Please investigate and provide evidence with statements showing that these payments were made late. If proof can not be provided, I demand that these payments be updated as paid as agreed and on time, as I was never late. Thank you! Attached is a screenshot for your reference.
Product: Credit reporting or other personal consumer reports

So I am having a hard time getting incorrect information off of my credit report, Im assuming with this last data breach my information must have been stolen because Im getting things Ive never seen before on my credit report. I have been trying to find an answer to this and Ive found that because this latest data breach with negligence on the company or companies parts and not a hack job that if I notice unexplainable items on my credit report I should contact you and get my credit history cleared Ive already went to the state patrol and got a compromised identification card. Someone was caught literally using my name and going to XXXX its just been a nightmare so please tell me you can help me
Product: Credit reporting or other personal consumer reports

redit inquiries on your report that you don't recognize
Product: Credit reporting, credit repair services, or other personal consumer reports

I Would like to make a complain about being a victim of identity Theft I check my Credit and I Notice that there are Accounts that I did Not Authorize these Accounts was not open by me. 
I needs these accounts Removed From My Credit thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Company incooperative, do not want to give me any information or unable to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint  XXXX  against Chexsystems on     XXXX  17     Regarding an issue with  XXXX  being reported on my Chexsystems report. Chexsystems came back and said the issue was investigated and found to be factual.  <P/> I also have a complaint into   XXXX   XXXX   Regarding this matter also submitted on     XXXX    XXXX   XXXX  says they need more time and still ca n't pull up the information being reported to Chexsystems and need more time as of today   XX/XX/ 17   . I have Phoned   XXXX   XXXX    Directly How is it  that   XXXX   XXXX   Can not confirm this information to CFPB and me as of today 's date, however, Chexsystems has it all confirmed. and  XXXX  was able to give them the full information regarding my issue?  <P/> I believe Chexsystems is in Violation of the law and did not investigate the issue and just spit out an answer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX was closed on XXXX. Equifax had been reporting this account on my credit report over 10 years after the account closed. 10 years is the maximum amount of time a company can report an closed account. Ive asked Equifax to remove this account from my report and they refuse to remove it.They advised me the account will remain on my report until XXXX that means they will be reporting this account for 20 years.
Product: Credit reporting or other personal consumer reports

these 2 reporting companies are not updating my credit report properly, 2 months go by and accounts still reflect same balances. my XXXX  is XXXX and these 2 are in the low XXXX 's
Product: Debt collection

The alleged debt is being reported by XXXXCaine and Weiner claiming that I owe a balance of {$440.00}. The policy was paid 6 months in advance and was terminated 2 weeks prior to the end date. So Im owed money. I also stated this to the insurance company. Im requesting a full description of the procedure of reinvestigation once completed. I demand that this negative mark be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established November 22, 2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit ReportXXXX XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX SS # ENDING IN XXXX
Product: Debt collection

I HAVE A COLLECTION REPORT STATING THAT I OWE {$280.00} FOR ALDOUS AND ASSOCIATES CONCERNING XXXX XXXX! I DON'T KNOW WHAT THAT IS AND I NEED IT REMOVED FROM MY CREDIT REPORT!
Product: Money transfer, virtual currency, or money service

I purchased a product for {$20.00} and it routed me through Paypal to pay for my purchase. 
I received an email from this company dated XX/XX/XXXX at XXXX XXXX and this is what it says Order Status Changed Online Store Hello XXXX XXXX, The status of your order # XXXX has been changed. 
New Payment Status Cancelled Your order Disinfectant Spray {$20.00} Paypal sent me this Your message was sent to We're sorry you didn't receive your order. 

Your message regarding the purchase you made on XX/XX/2020 for {$20.00} USD has been sent. You need to allow time for the seller to respond. 
They know this is a scam and they are saying allow time for the seller to respond? Paypal is a scam in itself! 
Now the store 's site is saying The Store is Closed Due to the terms of Service Violation.
Product: Debt collection

Midland Credit Management contacted me at my place of employment before XXXX on Thursday XX/XX/XXXX and hung up. I called them back and they refused to tell me what the issue was unless I gave out my personal information which is a second violation of the Fair Debt Collections Practices Act.
Product: Credit card

Chime Stride Bank. I had a credit builder account with them and they charged it off. This is on my credit report and I am trying to pay it as it is only XXXXXXXX XXXX They will not let me pay it and they will not remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : XXXX Wrongly reported missed payment to credit bureaus. 

I leased my car with XXXX in XXXX. That time I was residing in XXXX XXXX, VA. Then I moved to XXXX XXXX XXXX, VA in XXXX and informed XXXX about my new address. I have been paying taxes since day XXXX on time. Below are dates of each year XXXX sent me a bill and I made a payment to them. Now after 3 years they are saying you need to pay taxes to XXXX XXXX XXXX. To which I am ok but they reported late payment to credit agencies. I called them and ask help to remove this because I have been making payments on time but they want me to dispute with credit agencies. 
XXXX Account XXXX. XXXX Case I opened with XXXX : Dispute # XXXX Details of property taxes I have been sending to XXXX are below : XXXX ( Payment I made ) Payment Received - Thank You! {$260.00} XXXX ( letter I received ) Personal Property Tax XXXX XXXX {$260.00} XXXX XXXX Payment I made ) Payment Received - Thank You! {$260.00} XXXX ( Letter I received ) Personal Property Tax XXXX XXXX {$260.00} XXXX XXXX Payment I made ) Payment Received - Thank You! {$290.00} XXXX ( Letter I received ) Personal Property Tax XXXX XXXX {$290.00}
Product: Checking or savings account

I deposit a check for {$330.00} from my employer via mobile bank deposit using the Citi bank app. The next day my account was locked and I had no access to my bank via the app. I contacted Citi and was told it was because of the check I deposited. The needed to verify it. My boss and owner of the company who gave me the check called Citi and verified the check was correct. I talked to Citi bank and the verified the check and the check had cleared yet they still prevented me access to my account and my money. The stopped me from accessing my paycheck and all money in my bank account. I have not been given a reason why after the check was verified and cleared that I am still unable to access my money and accounts. This has cause me to be late on payments and have no money for food and gas for work.