23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

XXXX is reporting a mortgage that does not belong to me or my husband the account number that shows is XXXX the account shows foreclosure started, I need this remove from our credit. 

XXXX XXXX XXXX XXXX is reporting that they were included in my Chapter XXXX Bankruptcy account number XXXX, XXXX was not included in my mortgage and I need it removed from my credit this wrong reporting cost me my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX Bank and XXXX XXXX, I have always made my payments on time. For some reason, I realized that there were late payments on my credit report. As you can see, I have always had a stellar payment record with these companies. I tried contacting the XXXX Credit Bureaus with no successful resolution. There was definitely an error on their part. The XXXX credit bureaus must validate these accounts in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report. Investigate thoroughly and please update for 100 % accuracy. Below are the following accounts with erroneous information. 
XXXX XXXX XXXX Balance Owed : {$1600.00} Date Opened : XX/XX/XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX
Product: Debt collection

To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 16929 Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices Please provide the following : ' Agreement with your client that grants you the authority to collect on this alleged debt. 
" Agreement that bears the signature of the alleged debtor wherein he lshe agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account,. Any Judgments obtained by any creditor regarding this account. 
. Name and address of alleged creditor. 
. Name on file of alleged debtor. 
. Alleged account number. 
. Address on file for alleged debtor. 
. Amount of alleged debt. 
. Date this alleged debt became payable. 
. Date of original charge off or delinquency.

. Verification that this debt was assigned or sold to collector.

. Complete accounting of alleged debt.

. Commission for debt collector if collection efforts are successful. ide me with competent evidence that I have any legal obligation to pay you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

I opened an investment account with Merrill Edge tied to my Bank of America checking account in XXXX or XXXX. At one point in XXXX I opened a margin account with the existing funds using the Merrill Edge website online. I later closed this margin account on the online website but noticed a few months later that it was still open with a XXXX cent loss. In XXXX of XXXX I called Merrill Edge customer service and told them I had closed the account. The customer service representative assured me while I was on the phone with him that the margin account will be closed that day and that the XXXX cent debt will be erased. In XXXX of XXXX I went to withdraw some funds from my Merrill Edge account and it showed the margin account was still active with an approximate {$500.00} loss. I called the customer service department and I was informed that the margin account was active and that I owe them for the loss. I explained that I had closed the margin account a year earlier. They refuse to give me my funds with no explanation as to why. 

In my complaint I have included two correspondences from Merrill Edge to myself. One is an apology from them to me for their failure to close the margin account per my request in XXXX and failure to provide me a copy of the transcript of that phone call. The other correspondence shows the amounts they debited from my account because of their failure to close the account per my request.
Product: Credit card

This account shows CO every month which makes this account look newer then what it actually is. The fair credit reporting act prohibits re-aging debt, and it is illegal to keep changing the date of first delinquency. I demand this account to be deleted from my report.
Product: Mortgage

I have been trying to set up bi-Monthly payments with them, however, they are not affording me the opportunity todo so. I requested an email to print out the form to sign, since they claim that legally, they have to.. even though I can call them at any time and make a payment over the phone. Never got the email, so I had them mail it, never reviewed it in the mail. After several calls, I finally got the supervisor on the phone and they sent me an email. However, after clicking g the link in the email, a message popped up that I did not have permission to view the document. 
If I set up these payments, they wont make as much money in interest in the long term. So, I believe what is going on has to be illegal. If I manually do the payments myself, they will hold the first one till they receive the second, so I accomplish nothing. I have never had this issue before with any other mortgage company. I am being misled constantly on this matter by them and I hope I can get this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted two letters to the credit bureaus about negative accounts on the credit report. I have not been sent anything stating things are going under investigation for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent in a request for investigations to the credit bureaus. There were accounts reporting incorrect information. They were supposed to respond within 30 days, but they have not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand that the credit bureau take immediate action to investigate and correct any false information on my credit report. As a consumer, I have a right to accurate credit reporting, and it is unacceptable that the credit bureau has neglected its responsibility to ensure this. The presence of false information on my credit report has had negative impacts on my credit score and financial well-being, making it difficult for me to obtain credit or other financial services. This is unacceptable, and I expect the credit bureau to take prompt action to correct this issue. I demand that the credit bureau take my complaint seriously and prioritize its investigation and correction. Any neglect in fulfilling this responsibility is a violation of the law and can result in serious harm to me as a consumer. I will not tolerate any further neglect or delay in resolving this issue, and I expect the credit bureau to take immediate action to ensure that my credit report is accurate and up-to-date.
Product: Debt collection

I sent a certified verification of debt letter to the JPMCB CARD. Unfortunately, the bureau failed to provide any documentation with my signature verifying this debt. I can not pay and will not pay anything that can not be verified. I requested detailed documentation and the Bureau could not provide this info.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX improperly and fraudulently accessed my credit report during discussions of purchasing a vehicle. I did not authorize a hard pull from their dealership or finance department. I stressed repeatedly that the only financial institution was authorized to pull my credit report was XXXX XXXX XXXX XXXX. XXXX XXXX disregarded my wishes and refuses to remove the inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reported bankruptcy to XXXX  and Trans union after saying they would remove
Product: Credit reporting, credit repair services, or other personal consumer reports

Have repeatedly disputed this account for inaccurate reporting. Dates updated, last activity, last payment, and account status is all inaccurate. Please see uploaded report. This is clearly a violation of my rights under FCRA.
Product: Debt collection

Cease and Desist All unlawful actions. 
XX/XX/XXXX To : Wells Fargo card services From : XXXX XXXX Wells Fargo Card Services has not been given my Express written permission to place anything on my credit report.

15 USC 1692b.

This is a {$1000.00} Civil Penalty Wells Fargo Card Services knows this debt was under dispute but yet they continue to show it on my credit report during the dispute.

USC section 623 ( a ) ( 6 ) ( A ) This is a {$1000.00} Civil Penalty for each time they continue to list this debt on my credit report. Here are the dispute numbers and the dates. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX They were all XXXX XXXX disputes. 
They are all Civil Penalties. 
XXXX says it's {$1000.00} per violation That's a total of {$10000.00} for those Civil Penalties. 

Wells Fargo Card Services has charged off this account with the IRS and took a tax deduction but never gave me a 1099 a or 1099 b to offset my taxes. That's another civil penalty of {$1000.00}.

Wells Fargo Card Services continue to show a balance of {$5500.00} knowing they already took a charge off and a tax deduction on the total amount of that debt. That's a {$1000.00} Civil Penalty.

15 USC 1691 e Any creditor who fails to comply with any requirement imposed under sub chapters shall be liable to the agreed applicant for any actual damage sustained by such applicant..

Damages : 1 : My credit card with XXXX XXXX was canceled because this debt was sitting on my credit and they held it against me. 

XXXX : XXXX XXXX refused to increase my credit limit because this debt was sitting on my credit report as derogatory Relief from damages are needed as follows.

Action to take : Remove this debt from my credit immediately.

Pay me damages of {$13000.00} according to the Civil Penalties Listed in 15 USC 1691 e And 15 USC 1692k Make any check out to XXXX XXXX. 

Thank you very much Consumer Finance Protection Bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

This item has been reporting on my credit and i have tried to dispute it directly with the company, but i have not been success.The following accounts are not mines and to my best of knowledge i am a victim of identity thief.XXXX XXXX XXXX XXXXXXXX$XXXXXXXX XXXX XXXXDocket #: XXXXXXXX XXXXDocket #: XXXX XXXX XXXXDocket #: XXXX
Product: Credit card

Capital One has been bouncing me around between payment plans. I have been offered so many that when I think I have agreed to one they change it and I end up on something I can not pay and did not agree to. When I call capital one they swear I only been offered XXXX plans. Which is not true. They deny all phone conversations I 've had about this. They only reference chat. One they applied to the wrong account and I was blamed for it. 

See attached information for the XXXX different options I was given in less than 20 minutes apart.
Product: Debt collection

I have been trying to find out how this Caine & Weiner debt collection agency got my information and alleges that I owe them a debt. I have tried disputing it with the three credit companies only to receive a response that the information is accurate. How?
Product: Mortgage

I tried to refinance my loan to lower my monthly payments due to hardships. My claim was Denied and my house payment was increased to {$200.00} a month and will increase each year {$200.00} each month!
Product: Credit reporting or other personal consumer reports

TransUnion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Transunion has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against Transunion alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Transunion has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Transunion inaction violates federal law and my rights as a consumer. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I want original contract of this debt a copy of the payment history also and name and address of the original creditor please and proof of debt assignment
Product: Credit card

I received a card in the mail that I never opened or applied for. I contacted American Express and disputed the card. Since then, I have not received any communication regarding the dispute process. Today I received a statement in the mail showing that I owed {$9500.00} on this credit card. These are fraudulent purchases that I never approved. I am going to contact my attorney for violating my rights to properly dispute these charges as Fraud and file action against American Express with the Texas Attorney general for violation of my rights. I have tried to handle this matter amicably with AMEX however they have failed to properly investigate this issue and close this credit card.
Product: Credit reporting or other personal consumer reports

I found late payments on my credit report when I was never late
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX presume that no proof of the alleged debt. no therefore, any such debt in fact, therefore exist ( please remove these accounts before I see litigation for defamation of character. ) XXXX  XXXX balance {$530.00}, please remove these fraudulent 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
Product: Student loan

To Whom It May Concern, I am a co-signer on my son, XXXX XXXX XXXX loans. I became XXXX XX/XX/2010. I spoke with them about taking me off the loan because I had no ability to pay this loan. This began an avalanche of threatening phone calls. I ca n't help my XXXX or my lack of income. You can not work with these people. My son and I spoke with a gentleman at Navient/XXXX about making 12 consecutive payments to have me removed as co-signer. My son set up pre-arranged schedule autodraft payments to satisfy the requirement for taking me off as a cosigner. My son made each and every payment as scheduled by Navient/XXXX. When the 12th payment was complete, we called to have me removed. Each person that we spoke with did not have any record of the arrangement and stated one of the payments was late even though it was scheduled by them to be autodrafted out of my son 's account. 

In addition, I asked for a copy of the individual loans complete with signatures and got some documents but none were signed. I again requested the documents and was told they were not available and even if they were available, that I could not have access to them. 

Some time later XXXX had an agreement with them to make payments at a specific interest rate ( 3 % ). After paying as agreed for a year I received a phone call threatening default. I asked if XXXX had made payments as agreed and why he was behind when they had processed the payments per the agreement. They had no response but that he was behind and if additional payment was not made it would begin legal proceedings. 

The most frustrating part of it all was the lack of communication and the lack of records kept from previous interactions with XXXX/Navient. Each person we would speak to would have record of any of the previous calls/interactions with their company and we would get transferred to multiple departments. The whole time I felt like I was receiving the run around. My son and I tried to continually make arrangements with the company but they had no records of previous communication. We asked for records but they refused to give us anything. We finally gave up and hired a lawyer. Awaiting default/collection notice as the loans defaulted XX/XX/XXXX or XX/XX/XXXX and still not communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are reporting inaccuracies in my consumer report due to identity theft
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX 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

Experian is closing disputes without resolving the issue, fix my account
Product: Money transfer, virtual currency, or money service

I am writing to express my extreme dissatisfaction in how Cash app have not tried to assist me with an issue i had. My account was locked, and I was unable to access my funds while I was in an emergency situation. Despite repeated attempts to contact the customer support team, I have received no satisfactory response or explanation as to why my account was locked. They kept repeating that I had to reach my weekly limit. Furthermore, when I attempted to calculate my limits per week by adding up all my transactions, which came to a total of {$150.00}, I discovered that I had a remaining balance of {$7300.00}, well within the limit of {$7500.00}. Despite this, my account had remained locked. I have attempted to reach out to the customer support team via chat and the mailing system, but the responses I received were inadequate and did not provide any information as to why my account was locked at a time of need. When I called the customer support team, they could not answer my question and I was disconnected on purpose. Than i wrote XXXX about my experience and again they never answered my problem ( Complaint ID # XXXX ). This level of service is unacceptable, and I demand an immediate resolution. I require a detailed explanation as to why my account was locked and why no one could or was willing to answer my issue. I have the chats to prove that they never gave an answer.
Product: Debt collection

I am writing to file a formal complaint against your company regarding the violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). My primary purpose in submitting this complaint is not to seek validation of this account, but rather to ensure that this account is permanently removed from my credit report and that I am compensated for the violation of my consumer rights. 

I want to be clear : I am not claiming that this account was opened without my permission. I am, however, stating that your company has violated my consumer rights under the FCRA. 

Please note that I do not accept the claim that the FCRA does not apply to your company because you are not a " debt collector. '' According to the FCRA, the term " debt collector '' includes any person or entity that uses any instrumentality of interstate commerce or the mails in any business whose principal purpose is the collection of debts or who regularly collects or attempts to collect debts owed or asserted to be owed by another. 

The FCRA further defines " debt collector '' as including any creditor who, in the process of collecting their own debts, uses a name other than their own that would indicate a third party is involved in the collection of the debt. Additionally, any person who uses instruments of interstate commerce or mails for the enforcement of a security interest is considered a " debt collector. '' Based on the definitions and provisions outlined above, it is clear that your company falls within the scope of the term " debt collector '' as per the FCRA, and therefore, the law applies to your actions.

I am specifically citing violations of the following sections under U.S. law : 15 U.S.C. 1681s-2 ( b ) 15 U.S.C. 1681b ( a ) ( 2 ) 50 U.S.C. 1681 15 U.S.C. 1692j 15 U.S.C. 1681e ( b ) I request that this account be removed from my credit report immediately and that appropriate measures be taken to address the violations of my consumer rights. 

Please treat this matter with the seriousness it deserves. I expect a prompt resolution to ensure that my rights are fully respected under the law. 

Thank you for your attention to this matter. I look forward to receiving confirmation that the account has been removed and that corrective actions have been taken.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCK AND REMOVE Please take swift action to eliminate the fraudulent entries from my credit report, as they were not authorized by me and are causing me significant XXXX.