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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : Social Security Number : To Whom It May Concern : 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : My Full Legal Name : XXXX XXXX My Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
I demand that all phone numbers are deleted. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 
Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX XXXX : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX Sincerely Enclosed : copy of State ID and Utility bill showing proof of address
Product: Checking or savings account

On XX/XX/2021, someone impersonated me and opened a savings account and a checking account at Huntington Bank in XXXX, Ohio. 

This person used my name, old address, cell phone number and SSN that was XXXX digit off from my XXXX. 

I went to the bank and the accounts were closed. I also reported the incident to my local police department. The person also used a fabricated XXXX XXXX number.
Product: Mortgage

US Bank Home Mortgage has inaccurately reported information to the credit reporting bureaus since at least XXXX of 2019. I have tried repeatedly to resolve this matter and US Bank has not made any effort to correct their inaccuracies.
Product: Money transfer, virtual currency, or money service

I purchased {$50.00} worth of XXXX coin in XXXX of 2021. On XX/XX/XXXX my coin was withdrawn from my account. I reached out to Crypto.com that night when I realized that my coin was gone. For the next XXXX weeks I tried to get information regarding the missing coin. The only way to speak to someone is through live chat and this can be a daunting task with slow turn around times. Their customer service had me change my email and passcode after I reported the issue. 

Nevertheless, I finally was able to find someone who looked into my issue on XX/XX/XXXX. She said that they had there " people '' look into it, after they were done with their investigation they said there was nothing strange about the transaction. They claim it was gross negligence on my part. I never authorized a withdraw, I was never informed via email that a withdraw was taking place. None of my personal information was EVER shared with anyone, not my passcode or email. The rep told me that a confirmation was sent to my email, when I asked what email they sent it to, she could not tell me. I told her which email I started my account with, but she could not help me. I did check my emails and I never received any correspondence regarding a withdraw. The amount of money that was taken was actually less than my initial deposit. 

Later in the conversation a supervisor stated that she just received feedback and gave me the email I started up my account. This was after I had already shared that information with the first customer service rep. Nothing about this process was professional or legitimate
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to negatively pull my credit for something I did not do in XXXX. I tried to deal with the issue on numerous occasions but to no avail. I submitted a fraud report through the federal fraud department, because now the police department in my city doesn't physically accept fraud reports. I was XXXX  during the time in question, but XXXX says they can not remove the negative items although I submitted proof of XXXX  from the NJ XXXX XXXX XXXX and NJXXXX. I was XXXX  from XX/XX/XXXX until I was XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notification that XXXX XXXX placed an inquiry on my credit. I did not request this and do not have XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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.

According to : 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: Bank account or service

Earlier in XXXX someone changed my address and received my XXXX check then deposited it into her sole bank account at which time she was credited the money. The bank was made aware of the situation and still in XXXX XXXX the bank has not returned my funds to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not provided any written instructions to allow any Consumer Reporting Agency ; XXXX, XXXX, or Experian, to release my consumer report and according to 15 U.S. Code 1681b this is a direct violation of the law and falls under the category of 15 U.S. Code 1681c1.

I request that the information be removed from my credit report for the following accounts and amounts listed below based on the Codes afore mentioned. 

XXXX : XXXX XXXX reporting a Collection whom I never had any account with is reporting an amount of {$1100.00} debt was discharged by XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX reporting ( 2 ) late payments XXXX reporting without my consent EXPERIAN : XXXX XXXX XXXX Account number XXXX Closed Account XX/XX/XXXX still reporting without my consent. 

XXXXXXXX XXXX XXXXXXXX Account number XXXX Closed XX/XX/XXXX still reporting without my consent. 

XXXX XXXX XXXX Account number XXXX. Close Account still reporting without my consent. 

XXXX XXXX XXXX XXXX Account number XXXX Closed Account XX/XX/XXXX still reporting without my consent. 

XXXX XXXX Account number XXXX Closed Account XX/XX/XXXX Still reporting without my consent. 

XXXX XXXX Account number XXXX Closed Account XX/XX/XXXX still reporting without my consent. 

XXXX Account number XXXX XXXX without my consent. 

My address information is incorrect and should only show XXXXXXXX XXXX XXXX XXXX Ohio XXXX any other address needs to be removed.
Product: Mortgage

My name is XXXX XXXX. I have a mortgage with Union Mortgage and my taxes went up 3x. We are struggling to make the payments. I have asked the mortgage company to spread the shortage more than 2 years. Right now it is still almost XXXX more a month than what we were paying. I need help!!!! I know mortgage companies can spread the shortgages longer than 2 years. Its just their preference to do it for 2 not to hold it on their books. XXXX does not have a 2 year limit. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In according with the Fair Credit Reporting act XXXX, Account name-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.C1681 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

We filed a federal lawsuit against (5) major banks on 07/07/2015 regarding our mortgage for mortgage fraud which are XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX which later was revised to XXXX XXXX XXXX and XXXX XXXX XXXX Plaintiffs, vs XXXX XXXX XXXX XXXX XXXX, et al., Defendants ~ XXXX XXXX XXXX XXXX XXXX filed on XXXX XXXX XXXX IN THE UNITED STATES DISTRICT COURTFOR THE SOUTHERN DISTRICT OF TEXAS XXXX  DIVISION ~ XXXX XXXX XXXXl. On that very same day XXXX I requested a flag to be put on both our credit reports for XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX in which I precisely gave XXXX, XXXXn, and Equifax the Federal Case Number XXXX XXXX XXXX to freeze and stop any derogatory credit reporting until our case would be settled in court. We won our suit and it closed on XXXX. However, all (3) credit bureaus allowed (8) credit accounts to be closed on my wife XXXX XXXX XXXX   and (6) credit cards for XXXX XXXX XXXX which negatively impacted us on our credit scores with high interest rates and impossible to get loans much needed. They did all of this damage to us while we had not settled in federal court yet and the flag should NEVER have been lifted while pending matters were in federal court allowing any XXXXXXXX   to report that we were up to 18 months and greater that we were behind on our mortgage payments while we were in a federal court fighting for our rights by law. This was negligence on behalf of all (3) credit bureaus to have allowed such damages to occur.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/2024 XX/XX/2024, XXXX XXXX and XX/XX/2024 to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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. 


XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear DEPT OF TREASURY, XXXX & Equifax : Thank you for sending me your internal records of the debt ( DEPT OF TREASURY ) Account # XXXX, however you did not VALIDATE THE DEBT. YOU DID NOT provide me a copy of ANY original documentation ( a consumer contract with my wet-ink signature on it ) or provide a valid E-Signature stating my IP Address " Session '' " Time Stamp '' and " Browser '' with the proper paper trail as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I also have provided FACTUAL EVIDENCE ( see screenshots attached ), circled the items and pointed out with arrows multiple inaccuracies reporting from EQUIFAX AND XXXX including reporting payments on a CLOSED ACCOUNT & RE-AGING THE ACCOUNT ( please see attachment ) which is in violation of the FDCPA. You stated in writing that you verified that these items are being reported correctly so how could this happen? Are you being prejudice against me? I am certain you are aware that it is against the law to threaten suit without the intention of doing so. Therefore, be advised that I am very serious about filing a suit against your company. I HAVE PROVIDED MYLEASE FOR ADDRESS VERIFICATION AND ID AND SOCIAL SECURITY # Best Regard, XXXX XXXX
Product: Debt collection

I would like to file an FTC report on a collection from Pro Collect. I do not know who these people are or how my information was obtained. I never gave this company my personal information. I would like to know how this information was used and how it was handled being that it has effected my credit report. I have contacted my credit officer and the company the debt was coming from, yet no information has yet to be given within several months of contact. A dispute is already in progress through my credit bureaus.
Product: Debt collection

Called asking family of I still drive the same car, if I was at work had same job. If they had talk to me. Call people I have n't spoke to in 20 years multiple times. XXXX and scaring them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. These items need to be deleted from my credit report XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I filed an ID Theft report with the FTC and submitted a complaint to the CFPB on XXXX, XXXX, and Equifax to investigate my accounts and remove the inaccurate information. 
XXXX, XXXX, and Equifax claimed to have completed a reasonable investigation with the furnisher of information and verified the accounts listed below as reporting 100 % accurately. However, these accounts are still inaccurate and the credit bureaus are continuing to report errors on my credit file, violating my rights and damaging my credit score at the same time. 
According to The Fair Credit Reporting Act ( FCRA ), the information on a consumer 's credit report should be consistent across all three bureaus, as creditors and lenders may use any of the three to check a consumer 's credit history. 

The consumer reporting agencies XXXX, XXXX, and Equifax did not remove all fraudulent and inaccurate accounts that have been furnished on my consumer file and I have never gave my consent to furnished these accounts. No consent is Identity Theft and I have attached evidence that these consumer reporting agencies are in violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ( names, accounts or 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 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

My credit report has accounts that I did not authorize. Kindly block and remove these unauthorized entries as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX on XX/XX/2020 as old judgements, more than 5 years old and  also were filed and discharged with Bankruptcy Chapter XXXX and XXXX. I sent in all the proper documentation from my attorney and also explaining the statue of limitations had also expired. I explained this was halting the closing on my home yet they still have not corrected any of the information. This information is no where on my 3 credit bureaus as they have all came off due to statue of limitations and they were in the bankruptcies. 

Contacted World Acceptance on XX/XX/2020 and left message for Bankruptcy department asking to remove the incorrect information of balance owed {$950.00} and reporting past due as this was included in Chapter XXXX payment plan and paid in full as agreed to plan. The information was removed from my Transunion report however not XXXX  or XXXX. I have left messages daily again with the Bankruptcy department as and have received no communication. I have reached out to the local branch to the manager and have also received no communication stating this is not their problem. I have sent in all documentation pleading for help as I need this cleared up asap however zero communication.
Product: Vehicle loan or lease

I tried to pay the remaining of the loan but head of account wanted to take responsibility and never paid it
Product: Student loan

I have received numerous phone calls from paramount Capital stating I owe {$120.00} a month, the bill they send out monthly and the one on their site states {$84.00} a month. I paid the {$84.00} they say i owe according to the statement, then they call not long after stating i still owe {$25.00}. On multiple occasions i have explained this to them. They refuse to acknowledge the bill they send and also refuse to send an email stating amount owed monthly. I have attached files showing my bank statement for payments made, also have attached image showing what statement I receive from Paramount Capital, and also a screen shot of what it says on their webpage.
Product: Credit reporting, credit repair services, or other personal consumer reports

We reviewed your account and found that an update is needed for the reporting to the credit reporting agencies. We have sent the updated information to the agencies for their records. The account should show : The date of the first delinquency as XX/XX/XXXX, and the payment history for the months of XX/XX/XXXX and XX/XX/XXXX on your XXXX report Removed the status Consumer Disputes, Reinvestigation in Progress from your Equifax report Allow sufficient time for the update, then request a new copy of your credit report. If you find an error, let the specific agency know. Heres the  contact information for the four credit reporting agencies : Equifax XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX XXXX equifax.com XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX XXXX XXXX XXXX  I have sent in dispute to your office via US MAIl CPBP and the Minnesota attorney generals office about why the required noticed of dispute was never place on the two XXXX tradelines  XXXX tell me that your office removed The required information why would your office do unlawfully removing of a consumer credit report if I didnt ask you to remove it or the original credit went ahead and removed it. I didnt ask your office to remove and XXXX  claim they are reporting 100 % accurate which is a XXXX XXXX lie this is FDCPA violation as well as FCRA please please send me when the required noticed of dispute was 1st placed on the tradeline who and why the request for removal was remove if XXXX claim they added the required noticed so I go back to old report to compare if in fact the information was added. I called XXXX  office to do a phone dispute they opened up a new investigation about this but I want factual proof as to what date the items was added or removed for both XXXX XXXX XXXX please delete both tradeline for violations
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am exercising my right to opt out of reporting the two dismissed bankruptcies on my credit report. As such, I formally request that LexisNexis Risk Solutions and XXXX cease reporting these dismissed bankruptcies effective immediately. 

As a consumer, I have the right to opt out of having certain information reported on my credit report, as outlined in relevant regulations, including 15 USC 6802. Therefore, I am exercising this right in relation to the dismissed bankruptcies.

I understand that opting out of reporting these dismissed bankruptcies may impact the completeness of my credit report. However, I have made the decision to exercise my rights under the law. 

Please confirm in writing that my request to opt out of reporting these dismissed bankruptcies has been received and will be implemented promptly. 

Thank you for your attention to this matter. I anticipate your cooperation in this regard. 

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

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXXexperian didnt ensure accuracy of my credit report.