23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Calling regarding unknown person on my cell phone number and does not remove from the list despite numerous requests. Made threats to forward it to another department against me.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep distress and frustration regarding the recent denial of my request to block fraudulent accounts on my credit report. This denial, as outlined in your letter dated XX/XX/2023, has left me in a state of profound XXXX and uncertainty. 
I implore you to reconsider my request to block these fraudulent accounts, taking into account the exhaustive documentation and information I have provided. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Ditech/GreenTree Loan # XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX CA XXXXShort Sale was started with GreenTree XXXX/XXXX/2015. A full package has been submitted as of XXXX/XXXX/2015. We have left several voicemails and have also reached out via email to our negotiator, XXXX XXXX, with no return calls or emails. Neither will Ditech/GreenTree return any calls from the homeownerDitech/GreenTree ( or whatever they are calling themselves this week ... ) are refusing to respond to the homeowner 's and the Authorized Third Party 's request for updates. This is not acceptable. It is also a violation of their servicing agreement. 

Is Ditech/GreenTree even working on the short sale? Ditech is refusing to communicate with anyone regarding the short sale. How hard is it to pick up the phone and call back?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. In accordance with the Fair Credit report Act XXXX account XXXX has violated my rights 15 U.S.C. 1681 section 602 A states I have the right to privacy 15 U.S.C 1681 section 604 A section 2. It is also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date : XX/XX/year> : Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should include an active payment history. This inaccurate information falsely manipulates the statute of limitations and investigate this account properply after I asked you to do it twice and your neglect violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX Account Number : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting inaccurate and unverified information on my credit report to defame my character and this is affecting my ability to obtain credit.
Product: Debt collection

Sunrise Credit Service acct # XXXX placed this negative item on my credit reports without notifying me. This is an violation of the early-warning notice clause of FACTA act Section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit reports. I never receive written notification of this alleged debt at my address of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

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

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXXXXXX XXXX XXXX XXXXXXXX. 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 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 item 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

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, Account name : XXXX XXXX XXXX  XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, has violated my rights. 

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 two collection accounts in my Equifax credit file which I have disputed five times with Equifax. The same collection accounts I have disputed with XXXX and XXXX XXXX and after investigation these two bureaus blocked the two fraudulent collection accounts from my credit file. But Equifax did not and Equifax advised me for five times that the collection company verified that the two collection accounts belong to me. I have contacted the collection company and it advised they have requested from all three major credit reporting agencies to remove the two collection accounts due to identity theft. But Equifax still reporting them in my credit file by damaging my true credit worthiness. 
Equifax is the worst company ever ... I don't have any other method to fight with Equifax to get fraud accounts to be removed from my file. 
Please help.
Product: Credit card

In last month, WELLS FARGO send me a pre-qualified letter to invite me applying a credit card. I submitted the apply form online and I was asked whether I 'm a US citizen or a permanent resident or a legally stay foreigner. I 'm a XXXX citizen and I 'm now legally staying in America. I 'm not a permanent resident yet. I chose a legally stay foreigner at that time. A week later I received another letter and asked me to supply a copy of my Social Security Card. I send the copy to WELLS FARGO and about two weeks later I received the decline letter. The only reason they rejected my application was Not a permanent US resident. I think this is not a fair reason, and it seems like somewhat Racial Discrimination. Actually I already have credit cards of XXXX, XXXX, XXXX XXXX XXXX, etc. No other banks concern about my citizenship. A credit card is not so important to me, but I think this kind of behavior should not happen in this country. If legally foreigners are not welcomed by WELLS FARGO, they should dare to let me know directly at the beginning of the application and not waste my time.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I have been a victim of identity theft, resulting in a fraudulent account being added to my credit report without my knowledge or consent. I am requesting immediate action to address this issue. 

ACCOUNT : XXXX XXXX XXXX XXXXXXXX ) An official identity theft report has already been filed with the Federal Trade Commission ( FTC ), and I am now requesting the removal of this fraudulent account to ensure the accuracy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I have reached out to Equifax and have asked them could they report missing credit cards to my report and have not gotten a response. By adding these credit card accounts would greatly help my credit score that will enable me to purchase my first house. I really do appreciate the hard work that comes from the employees at Equifax and from the CFPB. I really look forward to getting this small but impactful issue resolved. Thank you very much for your love and consideration. 


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

ACHIEVE PERSONAL LOANS XXXXXXXX this account is reporting inaccurately on my credit report in violation of Federal Law. Those payments were made on time. I am requesting that the inaccurate information be updated to reflect my accurate payment history. Under FCRA, you are required to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX a ID theft report was filed to the Federal Trade Commission in regards to Unauthorized Inquires, Charge-offs, and Creditors on XXXX, Transunion, and XXXX  credit reports. FTC report number is XXXX. Please remove all inquiries, charge offs, and creditors listed below. I did not authorize any of the following information. 
.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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. 

Transunion, XXXX, and XXXX have failed to provide any proof at all of validation of the accounts below according to federal consumer laws. 

US DEPT ED : XXXX, XXXX XXXX XXXX, US DEPT ED : XXXX, US DEPT ED : XXXX XXXX US DEPT ED : XXXX, US DEPT ED : XXXX, US DEPT ED : XXXX, US DEPT ED : 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 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 and other adverse items 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

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


OPEN : Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XX/XX/2023 Experian - UNAUTHORIZED INQUIRY According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting ActXXXX XXXX XXXX XXXX XXXX XXXX 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. My legal rights have been violated. Due to this violation this account must be removed from my credit report immediately. 


In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX 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. My legal rights have been violated. 
Due to this violation this account must be removed from my credit report immediately.
Product: Debt collection

Received 2 letters from same creditor, stating pay by a certain date, or legal action may occur. I receive ALL of my income from Social Security, and the VA, which is EXEMPT from garnishment, with the exception of federal debts, or child support. This is in regards to credit card debt, and I have been assigned a federal fiduciary, which further protects me from debts. I am in a forbearance agreement with my mortgage company. I am currently battling XXXX XXXX XXXX, to which I prefer recovery, instead of stress, from debt collectors. I also suffered a natural disaster on XX/XX/2017.
Product: Checking or savings account

Truist bank has charged me {$390.00} in overdraft fees in the past 2-weeks which has hindered my ability to keep my employees and meet payroll. Our work volume decreased by 90 % because of the feds rate hikes. I deposited enough money to cover the drafts but the way they apply fees kept my balance in the negative allowing more overdraft fees to be charged.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since 2015, I've had two 3-year leases with XXXX for XXXX XXXX XXXX XXXX XXXX Never during those 6 years did I miss a lease payment. At the end of the second lease, due to the Covid-19 Pandemic, XXXX had no inventory with which to replace my current vehicle. Because of that supply issue, I was required to extend the 3-year lease for an additional 3 months. At this point, I didn't realized that XXXX XXXX wasn't going to continue to pull my lease payment from my XXXX XXXX checking account - ( via an auto-pay payment I had set up and used for the previous 6 years ). 

XXXX XXXX isn't willing to take any of these unusual circumstances into consideration, replying only that they had placed calls to me etc. At the end of the day, I may have missed those calls, and I will take responsibility for that miss. The issue here however is that after 6 years of on-time payments, my credit is being negatively effected by a missed payment at the end of a lease in which XXXX literally HAD NO CARS via Covid related supply chain issues. My mistaken assumption that auto-pay was going to continue after I was forced to extend an expired lease is now hurting my credit. 

In a note ( attached ) from XXXX XXXX, concerning the need to extend my lease via this lack of inventory, it notes at the bottom of the letter that I 'may ' have to make manual payments. I incorrectly assumed that given my long standing relationship with XXXX XXXX, they would continue to pull my payments from my auto-pay, and that this wouldn't apply to my situation. I apologized for this miss, and just asked that we could remove the 30-day late given my perfect history with the company. 

Thank you! 

XXXX.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved to obtain goods, services, or cash. Kindly take out the following 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX says I am Dead. I call and wait on the phone for one hour and then XXXX hangs up on me.. I have tried repeatedly to get this fixed. The first person I talk to can tell my file is jacked up. They forward me to a case manager and the case managers do not fix the problem and hang up. XXXX was the last person I talked to and after a 20 minute hold he talked to me for 2 minutes and hung up the phone.
Product: Student loan

I am owed a lot of money back as a refund for all my student loans due to the XXXX XXXX XXXX suit and when trying to call Studnet CU Connect to update address for my refund with them there number says not in service and I want my money back that they committed fraud
Product: Credit reporting or other personal consumer reports

XXXX XXXX This account should not be reporting any late payments XXXX XXXXXXXX I have never been late on this account XXXX XXXX XXXXXXXX I was never late late payments I was never late. 

XXXX XXXX XXXXXXXX I was never late late payments I was never late.
Product: Checking or savings account

I am writing to file a formal Complaint about the overdraft fees that I have gotten from many federal when my account had available funds. These fees were a direct result of lagged reporting of charges and credits. These practices are unfair and I would like to request and investigation into my account
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are reporting to my credit report in error. They must be removed immediately as they are the result of identity theft. I already filed a complaint with the FTC and local authorities. 

1 ) XXXX XXXX XXXX for {$490.00} opened XX/XX/XXXX 2 ) XXXX for {$4600.00} opened XX/XX/XXXX 3 ) XXXX XXXX XXXX for {$490.00} opened XX/XX/XXXX 4 ) XXXX XXXX for {$100.00} opened XX/XX/XXXX XXXX ) XXXX XXXX XXXX with {$0.00} Balance Opened XX/XX/XXXX 6 ) XXXX XXXX for {$520.00} Opened XX/XX/XXXX 7 ) XXXX XXXX XXXX for {$100.00} Opened XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I sent {$100.00} thru Cash App to the wrong person XXXX ever speak to anyone bout this XXXX in XXXX
Product: Mortgage

XXXX rocket mortgage verification of equity for new low loan for usesag home purchase or extended. XXXX I called for low monthly payment under mortgage payment actively. Refused to start application,XXXX man said no equity dollar amount. I tried to inquire assistant from VA benefits certificate of eligibility he said XXXX for property value then for late mortgage he said hard no. I didn't understand what he was talking about my question was not answered and I apologized then disconnected.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX  Account beginning in # XXXX, XXXX XXXX acount beginning in # XXXX XXXX XXXX  account beinning in # XXXX XXXX XXXX XXXX account beginning in # XXXX, and XXXX XXXX account beginning in # XXXX have all violated my rights. 

15 U.S.C 1681 secion 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consmer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

inaccurate info with breach of Equifax has destroy my credit please take a deep look into this I filed a police report and sent to all bureau involve violates my rights cra and hippa
Product: Debt collection

Debt was from XX/XX/XXXX. In XX/XX/XXXX I checked my credit report and the debt had be re-aged only a few days prior to my checking it! In XX/XX/XXXX. There was no option in your automated system that I found for this.
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 USC1681. 

Bankruptcy Chapter XXXX ACCT # XXXX Bankruptcy Chapter XXXX ACCT # XXXX XXXX  ACCTS XXXX  ACCT # XXXX XXXX  ACCT # XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 15 USC 1681 Section 602 A states I have the right to privacy 15 USC 1681 Section 604 A section 2. It also states a consumer reporting agency can not furnish an account without written consent.