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

According to my research about FCRA XXXX, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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

I looked at my credit report on XX/XX/year>. On XX/XX/year>, I sent a letter of intent and an affidavit of truth to all 3 credit reporting agencies. I stated I would like to make changes to inaccurate information on my credit report. I called each of the 3 agencies on the phone XX/XX/year>, to update my information on the credit report. I mailed another letter to all 3 credit reporting agencies on XX/XX/year>, telling them again about the inaccuracies on the report. This was sent via certified mail to verify that the notarized letter reached the credit reporting agencies. It has now been 30 days since my original request ( XX/XX/year> ) and I have not had any contact from these agencies nor have I witnessed any updates to my account. Because of this, on XX/XX/year>, I mailed a demand and compliance letter to the credit reporting agencies and am now here submitting a complaint against them with the CFPB.
Product: Credit reporting or other personal consumer reports

Im submitting this request to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove any items listed on an id theft report. Please find the required documents to assist in the removal of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX : {$7600.00} XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX XXXX XXXX : {$2900.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan

XXXX XXXX XXXX XXXX I am disputing this loan based on that it is impossible to pay it off at 98.8 %. I do not want this company debiting my checking account until we come with a resolution NetCredit responding about indicate my account is in delinquent status. Last week, I did not pay {$160.00} due last week due to concerns about the interest rate and waiting for a resolution. 
NetCredit claims that they contacted me regarding the status of the account and said I was unwilling or unable to talk with us about my account. I have talked to NetCredit on numerous occasions and was told that the legal department would contact me. This was over 3 1/2 weeks ago. I have tried to talk with the representatives about my account and working out a plan but I am either being talked over when I try to work out a solution and even had a supervisor laugh at me stating that I will pay over {$7000.00} for a {$3900.00} loan at 98 %. 
NetCredit claims that they values me as a customer and strives to provide the ultimate customer experience and ask that I contact our Customer Service Team at XXXX, to discuss possible options regarding the account balance. I have called and spoke with them about 10 times within the last 3 1/2 weeks .NETCREDIT WILL NOT WORK WITH ME OR DISCUSS ANY OPTIONS WITH ME. THE REPRESENTATIVES I SPOKE WITH SAID THERE IS NOTHING THEY CAN DO TO WORK WITH ME. I AM APPAULED THAT THEY have FABRICATE to a FEDERAL AGENCY. All I am asking for is to take the interest away from this loan and allow me to make monthly payments that I am able to handle. I understand my responsibility of the balance of the loan but they do not work with their consumers, instead make a profit with predatory lending practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a loan servicer Advantage has not provided the required disclosure that give me the option to opt out of having any information reported about me. If you are using XXXX XXXX XXXX  as your backing then you are 15 USC 1692f false and misleading practices to collect a debt. A consumer report does not include transaction or experiences between the consumer and the person making the report that's a violation of 15 USC 1681b. The Federal Government is backed by the Credit of the people does not say corporations or banks in fact 12 1431 States that banks have the power to borrow. So I need for Advantage to show proof that there was actually a " loan '' because I know for fact that there are no such thing as a " loan '' for a consumer. Failure to do so will result in actual damages and fraudulent practices.
Product: Credit card or prepaid card

Checking credit score advised free but required {$1.00} charge. Paid charge but vendor opened account. Called to cancel immediately but number provided not operational. Emailed but more of the same. The company billed me {$29.00} and {$39.00}. attempts to stop failed and Regions bank could only change card. XXXX but Regions has not refunded the money. Opened XXXX complaint, Ic3 FBI COMPLAINT, FTC AND FCC but Regions has still failed to refund the money for over 60 days and multiple complaints.
Product: Credit card

My Citibank credit card information was stolen XXXX in XXXX and XXXX, as many charges, adding up to more than {$500.00} were charged in my card ( most of them were charged in a XXXX telephone company, I have never been to XXXX nor heard of that company before ). 
Citibank contacted me on XXXX asking if I had done these purchases and I said no, and I froze my credit card and was issued a new one. Fraudulent charges appeared again on the new card, which I disputed again. I have called citi and talked to their representatives 5+ times, and they told me the disputes would be solved in 60-90 days. Fast forward to XXXX, they sent a statement saying they kept the disputes as I hadnt provided enough information they requested, even though I had answered all of their questions multiple times we were on the phone. 
So I called again in XXXX, to reopen the dispute, and they tell me they'll submit the disputes again and will get it resolved. Fast forward to today, 2 months later, the charges are still in my card and I am being charged interest for $ XXXX fraudulent charges I did not make.
Product: Credit reporting or other personal consumer reports

DELETE HARD INQUIRIES XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Since XX/XX/year> till now I've filed multiple disputes regarding my student loans being totally discharged and paid in full. There is XXXX MONEY OWED TO XXXX XXXXXXXX XXXX. ALSO XXXX XXXX XXXX is reporting a COLLECTION ACCOUNT in the debt amount of {$10000.00}. This account was opened online fraudulently due to identity theft. I never resided at the address on this account. This address is not on my credit report. PLEASE DELETE THIS FRAUD ACCOUNT FROM MY CREDIT FILE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX Balance : {$7800.00} ; XXXX XXXX XXXX XXXX Balance : {$2800.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$3000.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX ; XX/XX/1969 ; XXXX XXXX XXXX XXXXXXXX Balance : {$7900.00}.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Transunion XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Notice of Dispute and Request for Updated Status Dear Sir/Madam, I am writing to formally update the late payment entries on my credit report for the account referenced below. According to the ( FCRA ), I believe that these late payments have been reported in violation of my rights under the following provisions. In ordnance with 15 U.S.C. 1681a information reported on a credit report must be accurate, complete, and fair. I believe that the late payment entries reported on my credit file are inaccurate, incomplete, or misleading and should be corrected. Also Violation of FCRA 1666b ( Timely Notice of Billing Error ) : This section requires creditors to provide timely and proper notice to consumers regarding any billing errors, including late payment charges. If a billing error is disputed, the creditor is obligated to address it within a reasonable timeframe. I believe the creditor failed to provide the required notice of billing errors and did not give me an adequate opportunity to dispute or correct any alleged late payment charges. As a result, these late payments were reported incorrectly.

Violation of FCRA 604 ( a ) ( 2 ) ( Permissible Purpose ) : Under this section, information may only be disclosed to third parties ( e.g., credit reporting agencies or other creditors ) if the reporting entity has a permissible purpose under the law. This includes cases where information is reported to ensure the accuracy of credit reporting, or where the consumer has explicitly agreed to the reporting.I believe the creditor did not have a permissible purpose to report late payments under these circumstances, particularly if the late payments were inaccurately reported or if no valid underlying issue existed. 


Account Information : Late payments Account Number : XXXX Creditor Name : XXXX XXXX Date ( XXXX ) of Late Payment ( XXXX ) : XX/XX/XXXX Account Information : Late payments Account Number : XXXX Creditor Name : XXXX XXXX Date ( XXXX ) of Late Payment ( XXXX ) : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Account Information : Late payments Account Number : XXXX Creditor Name : XXXX XXXX Date ( XXXX ) of Late Payment ( XXXX ) : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX Account Information : Late payments Account Number : XXXX Creditor Name : Capital One Date ( XXXX ) of Late Payment ( XXXX ) : XX/XX/XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXX XXXX 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

I admittedly accrued a large amount of credit card debt while I was in XXXXXXXX XXXX I took out a loan with this creditor to consolidate this credit card debt in XX/XX/XXXX. With the financial strain of XXXX followed by some XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I was struggling to get on top of things and partnered with a debt settlement law firm in XXXX, XXXX XXXX XXXX XXXX XXXX. I enrolled three debt accounts at that time. Two of the accounts were resolved within a year. XXXX XXXX ( XXXX ) refused to negotiate with the firm before serving me with a legal notice at my home earlier this year. There was a settlement payment schedule approved XX/XX/XXXX- XX/XX/XXXX. I have made every payment on time through an escrow account since XXXX of XXXX ( $ XXXX ). I disputed through XXXX some addresses and phone numbers I did not recognize. XXXX took the opportunity to update my account at that time to " XXXX '' collections. My credit score took a huge dive at that time. My credit report indicates this account was " XXXX '' charge off from XX/XX/XXXX to XX/XX/XXXX. To arbitrarily update my account to " XXXX  '' as of XX/XX/XXXX seems retaliatory and has greatly impacted my creditworthiness.
Product: Checking or savings account

For some reason, I'm guessing some sort of mental defect or disfunction, this bank has begun filling my mailbox with their unwanted junkmail two and three times a week for the past month now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed XXXX account due to some fraud, but nothing happened in over 90 days. The dispute started around XXXX of XXXX  I was notified by my landlord that I had to move and found myself XXXX due to the housing situation. I needed to raise my scores. I elected to settle with XXXX without prejudice until I am no longer XXXX and can deal with it. I am the caregiver of a severely XXXX person so I had to set my priorities. 
I obtained a settlement letter, paid the amount, and have proof that they have cashed the agreed upon amount yet after the the settlement was made the account is still being reported incorrectly on my credit reports. I have worked very hard to resolve this and yet I can not get an accurate rendering of the account on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

A hard inquiry obtained by tower finance company in XXXX mississippi i did not authorize on XXXX  and XXXX  reports dated XXXX XX/XX/2020 XX/XX/2020
Product: Checking or savings account

XXXX, to close my account right after hurricane hit XXXX  Georgia, and the account only had XXXX and i've spoken with him several times about releasing the funds to me, because they were mine and my brother sent them to me and uh, they kept telling me that they can't release the funds and they've sent me to another department and I never hear back from that department.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am filing a complaint against Equifax, XXXX and XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax, XXXX and XXXX consistenly responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i which mandates a reasonable investigation of disputes. Furthermore, Equifax, XXXX and XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( B ) as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax, XXXX and XXXX complies with federal law and provide consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

i reviewed my credit report and noticed some fraudulent accounts. could you please remove these accounts from my credit file report because they affect my ability to obtain credit, according to 15 U.S. Code 6802, it is illegal for banks and institutions to report any data to third-party companies without proper consent. XXXX, XXXX, & XXXX are third-party companies, and furnishing my credit profile is illegal and unlawful. please remove this information from my credit profile. it is unlawful for false and misleading denial of my unlimited credit based on Title 15 Subsection 1611 of the US code.
Product: Debt collection

When looking for apartments to rent, a deposit was paid and kept by the leasing company on a unit with XXXX XXXX XXXX. Decided not to rent their unit because of finding a better offer and never signed a lease or rented a property from this company. I would love to see what information was sent to Rent Recovery Solutions regarding me owing rent to this company that allows them to impact and affect my XXXX XXXX with XXXX proof. I believe both these companies are happy to partake in fraud to attempt to gouge money from easy targets in a XXXX XXXX XXXX This has impacted my XXXX XXXX when currently looking to purchase a vehicle which could cost me thousands in financing due to a completely fraudulent collection account sent. I only recently received a piece of mail on the collections with XXXX other contact about a debt.
Product: Mortgage

Amerihome Mortgage XXXX XXXX XXXX XXXX SC XXXX XXXX Company Headquarters XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX Good Day, We have had our mortgage through Amerihome since XX/XX/2020. They paid our insurance premium in XXXX of 2020. We later received a letter saying that our home owners insurance wasn't paid. Our insurance company sent them proof that we had insurance as well as a copy of the check that Amerihome sent to our insurance company to pay for the home owners policy. We got another letter this week stating that since we currently do not have home owners insurance they have purchased it on our behalf. It is nearly three times what our current policy charges. Once again our insurance company reached out to Amerihome to prove that we already have insurance and that it was pain in full in XXXX. Our insurance company ( XXXX XXXX ) has kept records of all the correspondences with Amierihome as well as copy of the check they sent to pay for the policy. 
When I spoke with XXXX XXXX, they said this was the second time that day they had the same issue with Amerihome from another policy holder and that they have had the same thing happen with Amerihome quite frequently. It's my concern that they are issuing home owners insurance in a fraudulent manner. As well as taking money from their clients escrow account without permission. 
Thank you
Product: Credit reporting or other personal consumer reports

I did not give XXXX XXXX on XX/XX/year> permission to pull my credit report. This is a fraud inquiry on my XXXX Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting act these following companies has violated my rights.

15 U.S.C 1681 section 602 A States I have a 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX : {$120.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I keep having a employer XXXX XXXX appearing on my credit report after disputing its removed then placed back. I want it removed its inaccurate
Product: Debt collection

I have a debt of XXXX with transWorld systems for several years now. The debt is in accurate and is not mine. I tried disputing several times and it has remained on my account. On XX/XX/2021 I called TransWorld systems and was told I can pay to have the debt deleted by An employee named XXXX. I paid the amount and asked for a letter as well for my proof. She stated that she will mail it and I told her I would rather have it emailed. She stated she could fax it instead. I gave her the fax number and she never sent me my proof needed. I would like removed off my account ASAP as it is negatively affecting my credit and my chance of buying a home.