23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I had hired XXXX after many attempts requesting loan information from a home equity loan from XXXX XXXX. After XXXX XXXX federal XXXX failed to respond and provide requested information. XXXX and XXXX removed account completely. Experien after disputing did not find anything wrong, I resubmitted dispute and they are now investing by contacting furnisher. XXXX XXXX has also reported illegal update stating this account was an open revolving line of credit. Which recently interferred with first savings denial on my home refinance application. They had asked if I intend to pay off XXXX XXXX. After they illegally closed my home at sheriff sale they continue to abuse me by punishing my credit history which controls my way of living. XXXX XXXX real estate XXXX XXXX has recently said they do not like me therefore they did not sell my home to my brother. Which I had rights as home owner to simply transfer title from very beginning.
Product: Mortgage

Trying to pay off a mortgage. I have not received a statement from company in two months. They said they were mailed. I went online with their website and got a balance and sent a electronic check which should reach then XX/XX/19. I tried to get a pay off amount and website said that was not available online. I called them and took two hours on phone before an agent answered phone. I was told that he could not give me a payoff at that time it could be faxed or mailed to me. They had to call recorders office to get recording fee. I could call back in three hours and get a payoff. I answered a survey giving poor ratings XX/XX/19 and received a call XX/XX/19 asking about survey. I asked that person to give me a pay off amount and he said it was not available and would request it to be sent by fax or mail. Their poor service is not right. I am calling as I file this complaint and have been on hold for over fifty minutes. Are they even license to do business in California.
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. 
XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 ; XXXX 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 the credit bureaus 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: Debt collection

Plusfour has been reporting on my credit a debt that was paid by insurance. I contacted the original creditor XXXX XXXX XXXX who advised me there is absolutely no amount owed on this debt. Ive requested they remove it or provide validation that it is still owed and have no received anything. I have a security clearance with the XXXX XXXX that this debt is affecting.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX Bank ) TRANSUNION XX/XX/XXXX XXXX XXXX ( Bank ) TRANSUNION XX/XX/XXXX XXXX XXXX ( Finance ) TRANSUNION XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent address update/remove to the credit bureaus XXXX different times. XXXX, Transunion, and XXXX has yet to update my report with my recent and only address. I've sent sworn affidavit with the correct address. The address XXXX, Transunion, and XXXX continues to report is another persons or family address. 

I have had my personal information stolen within the past year and half to two years ago. I do not want my information being fraudulently used. Please help me with removing these inaccurate addresses and adding my current and only address to my credit profile. I am in fear of Identity theft if this wrong information continues being reported.
Product: Credit reporting or other personal consumer reports

I hope you are doing well. I am writing to formally dispute the late payment on my mortgage M & T BANK loan account XXXX dated XX/XX/year>. I was recently notified that my mortgage payment for XXXX was marked as late, which has resulted in late fees and a potential negative impact on my credit report. 

The payment in question, which was due on XX/XX/year>, was not processed due to suspicious activity involving my bank account debit card. On XX/XX/year>, I became aware of unauthorized debit card transactions that impacted the funds available in my account, causing my scheduled mortgage payment to fail. As soon as I noticed the suspicious activity, I took immediate action by contacting my bank to report the unauthorized transactions and initiate a dispute process regarding my debit card. Unfortunately, this issue led to insufficient funds for the mortgage payment withdrawal. 

I have since resolved the issue with my bank, and the necessary funds have been made available to cover the payment. I kindly request that the late fee be waived, and the late payment mark be removed from my credit record. I understand the importance of timely payments, and I have a history of being a responsible and reliable customer, as reflected in my previous on-time payments. 

Attached to this letter, you will find documentation from my bank verifying the unauthorized transactions and the steps taken to resolve this matter. I appreciate your understanding and cooperation in rectifying this situation. Please let me know if further information or documentation is required to support my dispute. 

Thank you for your prompt attention to this matter. I look forward to your favorable response and the removal of any penalties associated with this incident.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act, Equifax and XXXX are violating 15 USC 1681e ( b ) by not removing accounts that XXXX has already deleted ; kindly remove these accounts from Equifax and XXXX XXXX XXXX XXXX aact # XXXX XXXX XXXX XXXX acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : AMERICAN EXPRESS XXXX {$9600.00} XX/XX/2021 15 U.S.C, 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, or personal loan

I am filing this complaint for a third time, because Sun Loan has still refused to address my complaint. My complaint is not about reporting or not reporting of my account. On or about XX/XX/2023 I filed a complain through the Consumer Financial Protection Bureau. In this complain I made a demand for Sun Loan to cease any and all communication with me, which is my right under Federal Law, 15 USC 1692c ( c ), as well as Arkansas State Law, ACA 17-24-504 ( c ). On or about XXXX, XX/XX/2023 I received a call from XXXX, which belongs to Sun Loan . Then I received another called on or about XXXX, XX/XX/2023, from XXXX, where the caller was identified as XXXX and who identified themselves as a Sun Loan employee. Both of these phone calls are clear violations of 15 USC 1692c ( c ), as well as ACA 17-24-504 ( c ). Under each of these laws I'm afforded civil damages of up to {$1000.00} per violation. On or about XX/XX/2023, I filed a complaint with the Consumer Financial Protection Bureau demanding that Sun Loan address this complaint. At which time, I gave Sun Loan 30 days to address the violations or I would be filing a lawsuit for damages under 15 USC 1692c ( c ), as well as ACA 17-24-504 ( c ). The date for this action is XX/XX/2023. If the violations are not addressed by this time I will be filing a lawsuit for violating the aforementioned laws. I will also be filing for relief of {$1000.00} per violation per law. At this time, my only settlement offer is to file to vacate or set aside the judgement against me by them through XXXX XXXX. If their lawyer would like to send me that settlement offer I will sign it as soon as received and I will cease filing complaints. If Sun Loan continues to not address my complain, I will also be filing complaints with the Arkansas State Attorney General, Oklahoma Attorney General, and the United States Attorney General.
Product: Credit reporting

In XX/XX/XXXX, a Collection Matter appeared on my Trans Union and XXXX credit reports, in the amount of $ XXXX Collection was an alleged amount owing to XXXX. 
I disputed this Matter, and it was removed from my XXXX and Trans Union credit reports, in late XX/XX/XXXX 
As of XX/XX/XXXX, the inappropriate Matter has been reinserted to both my Trans Union and XXXX credit reports, this time, under the name of XXXX. 
The amount of {$660.00} is the same, further proving this is the same alleged Matter, again misrepresented by another Collector. 
I ask that this inappropriate information be once again removed from both my Trans Union and XXXX credit reports. 
Should you have any questions, please do not hesitate to contact me at your earliest convenience. 
Again, thank you for your continued assistance with this Matter. 

Sincerely / XXXX XXXX XXXXXXXXXXXX
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 XXXX 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 XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USA 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the follow items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have recently got my credit report and notice some inquires that i do not recall, and there are errors in multiple accounts, i would like these inquires removed asap, i have certified mailed all the documents and my credit reports to XXXX equifax and XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed a negative late item from XXXX XXXX XXXX on my credit report.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX XXXX XXXX  after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX Original creditor : XXXX XXXX Balance {$270.00}
Product: Credit reporting or other personal consumer reports

for the company to do what is fair and equitable to me as a consumer by removing and deleting items identified as identity theft accounts to be removed : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Capital one changed the interest rate without any notifcation. 
I originally signed up for the savings XXXX because they advertsed as the best and highest in the nation. After a few months I noticed my interest was much lower. They lowered the interest rate without notification and made it lower than most banks.
Product: Credit card or prepaid card

In 2010, I had an account that closed with this company that was paid off completely with both XXXX and Victoria Secret. About a year ago I was offered the opportunity to open a new account with Victoria Secret that is current on all payments. The old accounts are still showing as closed on my credit report even though we have a new relationship.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and again on XX/XX/XXXX there were request for a credit card fir a XXXX XXXX XXXX application. In XX/XX/XXXX I looked at my Experian credit report to find out where I stood to get a home loan and saw these hard inquiries. These inquiries affected my credit score in addition to putting too many inquiries on my report and affecting my ability to get a home loan. I filed a dispute, to no avail. I emailed, called and was finally told I had to contact XXXX. I contacted XXXX and they refused to remove or investigate the inquiries. I finally threatened to take legal action before XXXX would investigate and send a letter to Experian to remove the inquiries. Again, Experian has not removed the inquiries. I sent a copy of the letter from XXXX to Experian and to date ( XX/XX/XXXX ) these inquiries have not been removed. It has been 9 months dealing with this. I lost 2 homes that I could afford to buy because Experian and XXXX refused to act in a timely manner. My life, reputation and credit scores have been negatively affected. These companies hold my life in their hands and should be held accountable. It has been impossible to get a phone number to talk to Experian and when you leave a message, they do not return calls or respond live chat, emails or texts that they give as contacts.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX XXXX my account was compromise and created a fraud ACH {$1000.00} from my savings plus {$5000.00} worth in XXXX  coin, I have try nonstop emailing the company XXXX with no luck. I can not access my account and they company hasnt responded with any services or at least to tell me your funds are save. 
All they gave me was a case number # XXXX. 
Can you please help me recover my funds.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX ( for card ) open a fraudulent account in my name with out my permission this account is not mine, I did not open this account, my information was used to open this account, Equifax just recently had a massive data breach and my information was leaked, someone open this account, please delete this account immediately and block it, I will be providing a identity theft report and information, This card is called the XXXX XXXX XXXX XXXX XXXXXXXX for XXXX XXXX delete and block XXXX XXXX XXXX XXXX XXXX, this account is fraudulent I did not open this account it was open in my name my identity was stolen and used Im sending information for yall to delete this account
Product: Credit reporting or other personal consumer reports

Hard inquiry reports XXXX XXXX XXXX- I spoke with someone from XXXX XXXX XXXX to refinance my car loan. I was told a had an excellent chance of approval and it will not affect my credit score. After going through the process, I was told they do not service my area. Few months later I see a hard inquiry for XXXX XXXX XXXX from XXXX XXXX XXXX. Which knocked my credit score down. 

JPMCB- I have know idea who this company is or why its on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA the following creditors : 1 ) XXXX XXXX XXXX account number XXXX has violated my rights 15 USC 1681 Section 602 states I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C. 1681a further states : ( 2 ) Exclusions.

Except as provided in paragraph ( 3 ), the term consumer report does not include -- ( A ) subject to section 1681s-3 of this title, any -- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. The term " consumer report within the statue is defined as " In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

Within the statue the term " person '' is defined as ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section XXXX o XXXX states I have the right to privacy ( 15 USC 1681 ( Section XXXX XXXX XXXX A section XXXX ( It also states a customer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat an payment on a credit card account under an open end consumer credit plan as late for any purpose.