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

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX, these accounts have violated my rights. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX5 U.S.C 1681 section XXXX A. states I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is the only credit bureau reporting a 60 day late for my XXXX XXXX XXXX   account number XXXX. They are reporting a late XX/XX/2019 and XX/XX/2019. The mortgage was paid in full in XX/XX/2019. XXXX and XXXX are not reporting this. Also, XXXX is not reporting this. I created a dispute which has a confirmation number of XXXX and the 60 day late still has not been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I do know about this debt. This debt was from my XX/XX/XXXX done by my insurance at the time. The insurance company wanted to pay the debt but the doctors office input the wrong code to get paid and was asked numerous times to submit the correct code for payment. I asked the debt collector the contact of the original debt holder but they refused. My job at the time insurance provided me with theXX/XX/XXXX because I was turning XXXX
Product: Credit reporting or other personal consumer reports

Experian, There is incorrect personal information on my latest credit report that needs to be corrected immediately as its damaging my ability to obtain credit. 

Please see attached : - drivers license - social security card - address - complaint letter
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2023, Experian credit bureau sent me an email stating that a collection account was on my credit report. Once I viewed my credit report, I discovered a business XXXX XXXX credit card that does not belong to me and someone must have opened it under my name and my company name. The XXXX XXXX business credit card is not my account and is fraud. I don't know who could have done this, maybe a former employee I'm not sure. The total amounts charged are {$7000.00} is what appears on my credit report.
Product: Student loan

FedLoan granted me a deferment yet wont update the granted request through the credit bureau ( XXXX, XXXX or XXXX ). When companies view my report they are under the impression that I never paid which is causing a late payment report from 30-120 days late under a total of XXXX different accounts. this is a double standard as to what was granted to me. I have suffered from this Fedloan servicing admission of falsely reporting to companies for over 3years.
Product: Money transfer, virtual currency, or money service

On XXXX on XXXX I spoke with a XXXX XXXX and was going to purchase a XXXX he seemed extremely sincere genuine legitimate. I was gon na pay through XXXX and he refunded that as there wouldve been a hold and then XXXX XXXX there was a limit and XXXX XXXX but I didnt know how to use that so we went through XXXX which I never used before and I thought it was safe and through my bank but its not and I lost XXXX I asked my bank to dispute lastnight PNC before it went through the said they couldnt stop it that I would have to call back to get my dispute and money returned and today they said there wasnt anything they could dispute and said it was my fault basically and to file a police report but I havent been able to reach anyone but left several Voicemails Ive tried contacting XXXX they cant help Ive contacted or attempted to contact XXXX XXXX as well as the seller on every avenue I could email, phone, text, social media. He stole my money that I paid Im good faith thinking I was protected by XXXX and my bank how can this be allowed
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform. Which caused my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, in reference to complying with error resolution requirements under Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss. I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was getting ready to file bankruptcy and the company didnt want to deal with the paperwork. Instead the lady here in XXXX Nebraska settled for {$20.00} and told me my item would be paid. At one time I did in fact have a letter stating this. However it has been more than seven years now so I have since shredded it. I have asked Experian to remove this creditor from my report as it is too old. They are falsely reporting info and have been sold numerous times so they do not have accurate info.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attn : Equifax security freeze team Please remove all fraud alerts and credit freezes from my Equifax credit report immediately. I am unable to obtain credit or view my Equifax credit report which is affecting my credit worthiness and the ability to establish new credit. Myself or creditors are unable to view my report.

Please remove it immediately Thanks.

Attached to this complaint is a copy of utility bill, drivers license and ssn card..
Product: Credit reporting or other personal consumer reports

Hi my name is XXXX XXXX. I am filing this form out today because I have recently find out that I have been an victim of identity theft. Ive recently found out through my bank XXXX XXXX XXXX XXXX that someone has been inside my account charging my accounts fraudulently buying things with my debit and credit card and running 2 accounts to the negative. So I ran my credit with annual credit reported and found out that my Social security number along with my email has been compromised to the Dark Web due to an breach that occurred with XXXX XX/XX/2021. I am looking to get help because they have ruined my credit put my accounts in the negative opened fraudulent accounts and even used my social security number to apply for an house thats constantly calling me saying I am in debt at a place that I have no knowledge about! This situation has set me back major I am getting denied for things I need for my family because these hackers have destroyed my name and SSN.I have attached a police report and an FTC report below.
Product: Debt collection

I became a victim of ID theft in XXXX when my Identity was compromised. I believe that XXXX or more tenants who moved into previous addresses i have resided have used my personal details to open accounts in my name. I have never held a utility account with XXXX XXXX now XXXX XXXX XXXX.
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 4 business days 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 XXXXXXXX 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 : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I am in the process of refinancing my home mortgage and had paid for an appraisal with Bank of America. I have decided to use another mortgage lender, but the Bank of America loan officer, XXXX XXXX, XXXX XXXX, has refused to transfer the appraisal that I paid for to my new lender.
Product: Debt collection

called my number about someone else 's debt and said that my number had been given as a contact. The party in question has no contact with me I feel they took it upon themselves to start calling distant relatives for collection
Product: Credit card or prepaid card

I placed a dispute on a purchase on XX/XX/22 about a credit card purchase made where the product was not delivered, on XX/XX/22. I purchased an account for a virtual game service on XX/XX/22, and have no access to the account as of this day. I have not received the product that I paid for and have not been able to correspond with the company. I would like this to be remedied and get my money back. 

I can provide evidence of being unable to log in, but I have not gotten anything from them about how to correct this issue.
Product: Mortgage

I recently modified my mortgage. All payments have been paid on time. Selene finance is holding XX/XX/XXXX and XX/XX/XXXX payments in a suspense account and will not apply them to the mortgage. This is now showing as being two months past due and Im receiving calls and letters. The mortgage is not past due. Ive called many times and been told it would be corrected in 24-48 hours. Never happened. Ive also been told there is nothing we can do about it. Customer service is quite rude and changes their version of events every time you speak with them. My account is not past due, Ive paid every month on time yet they are refusing to apply the payment for no valid reason. Its as if they are trying to force me back into default when I am not.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXXXXXX tax lien is incorrect. 

I have attached a screenshot from XXXX XXXX XXXX XXXXXXXX that states I do not have an outstanding lien. 

I have sent several letter to TransUnion, XXXX XXXX XXXX Credit Bureaus. Stating that this XXXX XXXX is incorrect. 



TransUnion XXXX XXXX
Product: Vehicle loan or lease

Requested an account modification by reducing payments or increasing the number of payments in XXXX. I was denied supposedly because they couldn't reach me. But, I received the denial letter. I paid the car note then we experienced another hardship due to Hurricane Barry. I requested another modification on XX/XX/XXXX and the papers were emailed on the same day. I had until XX/XX/2019 to submit the information. On XXXX the XXXX the car was repossessed during the night like I was a fugitive on the run. Now that the car has been repossessed and sold, I'm being offered a repayment plan.
Product: Credit reporting or other personal consumer reports

I have sent a dispute on XX/XX/year> to XXXX, XXXX, Equifax. In return I received a stall letter or or email from XXXX, and XXXX, from Equifax I have not received anything from. From XXXX The stall letter message was emailed to me XX/XX/year> XXXX Which I have attached proof, I received on XXXX XXXX at XXXX which has been attached as well. You will also see in my attached documents my disputes of the inaccurate information, asking for validation of said information. I have also attached a letter from the court clerk stating they do not report this information to anyone, as well I have included in my disputes proof of address, and my Government issued ID show that it is indeed me. Along with proof that it has been delivered, and how it is inaccurate on my credit report. I am requesting that this inaccurate information be deleted at once, as I feel like I have provided more than enough information. If this does not get removed. I will contact my lawyer and the federal courts to sue for damages and removal of this off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out a 609 FCRA letter on XXXX XXXX, 2020, to ALL three credit bureaus to remove all inaccurate items and items I never gave permission to be reported. It has been well over 30 days and I have not received any investigation results.
Product: Credit reporting 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 ( Original Creditor : XXXX XXXX XXXX ) # XXXX, Account name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX  XXXX, Account name : XXXX XXXX XXXX, Account XXXX : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 if the privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not accurately reporting. I had XXXX late payments on an account ( XXXX ) that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I have attached a copy of my report to this complaint on the following dates XX/XX/year>, XX/XX/year>. I am now requesting you reinvestigate this account and update these payments. Paid on time immediately. Thank you for understanding and prompt action.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$30000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported boa and XXXX XXXX wrongdoing the business with customers and the answer I got totally wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a cash bequest which I used to pay off large amounts of debt. I did this for 2 reasons ... 1. I am now a retiree and I wanted to reduce my monthly outgoings and 2. I wanted to improve my credit score as I am about to purchase a new car ; I wanted to finance this. 

I paid off my ~ $ XXXX mortgage and my $ XXXX HELOC with XXXX and I paid off my $ XXXX Auto Loan. I still have another auto loan ( ~ $ XXXX ), a 0 % interest credit card with about $ 16k outstanding, my XXXX Platinum Card and I have no serious delinquencies. 

My initial complaint was with XXXX as they were still reporting my ~ $ XXXX HELOC as outstanding nearly 2 weeks after I had paid it off and this was affecting my credit utilization which was at 51 % before the loan payoff was acknowledged ; this gave me a credit score of around 700. I applied to XXXX XXXX for an auto loan for my new car and I was turned down flat by every lender. I was told that my credit utilization was too high. I complained to XXXX and the Credit Reporting Agencies that old data was being reported and this was detrimentally affecting my ability to borrow money and XXXX fixed the reporting on their end. 

I didn't need my HELOC anymore and I was not going to use this for my Auto Loan as the interest is too high and it's an adjustable rate. XXXX asked me if I wanted to close the account which, of course, I did as the account is redundant. Nobody warned or advised me that this could have a damaging effect on my Credit Rating.

Once TransUnion acknowledged that the loan had been paid off, they sent me a mail alerting me to a change in my credit score. I had paid for credit monitoring and I logged into my dashboard to find that my credit score had dropped to XXXX. I called TU to discuss this and I was told that the act of closing my HELOC was/is viewed negatively but they were unwilling to explain why. 

I have an excellent ( 24 year ) record of responsible borrowing and on-time payment. I now own my house free-and-clear ( ~value $ XXXX ) and my current car ( ~ $ XXXX ) and I have liquid assets of around $ 450k and semi liquid assets ( investments ) of around $ 450k. 

Why did XXXX not warn me of the potential negative outcome of closing my HELOC account? 

Why am I being penalized for paying off my debts? I can now no longer borrow money at all. If I could borrow, it would be at exorbitant rates of interest. 

How can this be fair or even legal? 

Why are people not given clear information on what affects their Credit Ratings so that they can make the appropriate decisions? I would not have closed my HELOC account if I had known that this would cause my credit score to crater. 

It seems that I am being blackmailed into staying in debt to avoid my credit rating being damaged ... this is extortion.
Product: Mortgage

Original debt was a HELOC opened in XXXX, it was charged off in XXXX. 

Without any communication over more than a decade, in XXXX XXXX XXXX XXXX XXXX XXXX, NewRez, Shellpoint and its predecessor ( XXXX XXXX XXXX XXXX  ) unlawfully inflated mortgage balances, failed to provide legally required monthly mortgage statements, and wrongfully pursued collection and foreclosure efforts. These companies have violated the Federal Trade Commission 's Truth in Lending Act by not providing periodic or monthly statements. 

After reaching out to XXXX XXXX XXXX XXXX XXXX  NewRez, Shellpoint, XXXX, to dispute their unlawful claims, we were instructed as follows : The Master Servicer has advised that any questions concerning its servicing decisions related to the Mortgage Loan be addressed to XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CO XXXX. 

Multiple attempts were made to contact this person but the emails are returned as undeliverable, no phone number was provided and mail is not responded to.