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

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. I need the following addresses removed from my credit report they are not mine : XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX FL XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX OH XXXX
Product: Credit reporting or other personal consumer reports

I sent a dispute to the major credit bureaus disputing the inaccurate information on my credit report regarding XXXX  XXXX, account number XXXX. 

Despite the clarity and detail provided in the Credit Bureau XXXX, the Account continued to appear on my consumer report with inaccurate information. 

Upon information and belief, the credit bureaus forwarded my Dispute to XXXX  XXXX. 

Upon information and belief, XXXX  XXXX received notification of my credit bureau dispute. XXXX XXXX did not conduct an investigation, contact myself, contact third parties, or review underlying Account Information with respect to the disputed information and the accuracy of the XXXX XXXX Account. 

Upon information and belief, XXXX  XXXX failed to instruct the credit bureaus to remove the false information regarding the XXXX  XXXX Account reporting on my consumer report. 

The credit bureaus did not conduct an investigation, contact myself, contact third parties, or review underlying account information with respect to the disputed information and the accuracy of the XXXX  XXXX Account. 

The credit bureaus employed an investigation process that was not reasonable and did not remove the false information regarding the Account identified in my Dispute. 

At no point after receiving the Credit Bureau Disputes did XXXX XXXX and/or the credit bureaus communicate with me to determine the veracity and extent of my disputes. 

The credit bureaus relied on its own judgment and the information provided to them by XXXX  XXXX rather than grant credence to the information provided by myself. 

The credit bureaus published the false information regarding the XXXX XXXX Accounts to third parties.
Product: Money transfer, virtual currency, or money service

I called Bank Of America to report my claim of Fraud that happened through XXXX. I called on XX/XX/2023 moments after it happened. I was tricked by someone who I thought was a Bank Of America employee to send over money to him due to fraudulent actions reported on my account. I received a call from the Bank Of America customer support phone number. I believed this even more because I do have proof of previous claims filed, that I actually did receive my money back from, which I was happy about at the time. I was told on the XXXX that I would be able to receive provisional credits for the transaction that happened. I am young and new to banking on my own so I was not aware of the dangers of fraud out there. The total amount that I wanted to dispute was {$3300.00}. This is money that I have been saving so losing this amount in a moment is detrimental for me as that was all that was in my account.
Product: Mortgage

I have taken a loan from bank of America for {$100000.00} and it started on XX/XX/2016. I get a statement from XXXX the first XXXX for this account from XX/XX/XXXX to XX/XX/XXXX when this account was never open on XX/XX/XXXX. Then they say that I owe them {$250.00}, I have never received a statement for that amount and now they will debit my account for this $ XXXX This is daylight robbery. No one will answer my question.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and updated for erroneous reporting in my file is listed on my credit report : XXXX  XXXX XXXX Balance : {$0.00}
Product: Credit reporting

i have a fraud alert on my file that i did not request. it has caused me to get denied on a credit card. i need any and all alerts removed i DID NOT REQUEST these alerts i am not a victim of fraud.
Product: Debt collection

I have reached out to the credit bureau ; I have also reached out to the company letting them know that this item was not mine and that i wanted them to send me some information showing proof of item. I never received anything back and the item is still showing on my credit reporting. Due to this item my score is not were it needs to be. 

Item number listed on my reporting XXXX Portfolio Recovery
Product: Checking or savings account

From XXXX XXXX XXXX XXXX there were multiple charges on my account totaling {$3000.00}. I filed Dispute ID : XXXX in the amount of {$3000.00} that I reported on XX/XX/2023 even though they didn't file the dispute until XX/XX/2023. They have since denied my dispute despite the fact that they sent a debit card to XXXX XXXX XXXX even though that address was never associated with my account nor given to them at any point. They also mailed the denial letter to the incorrect address even though my address is properly reflected on my account. They refuse to provide any documentation and have now locked my account after I recently submitted verification documents to regain access and ensure that my information is correct on my account. I can not access any funds on the account due to the lock and they refuse to replace my money even though its obvious it was ab error on behalf of XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account has violated my rights America Honda Finances XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( To have all late/missed payments be removed from all of the account above in order for my credit history to get back to what it used to be ) 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A section 2 : it a ; so 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

My company was a corporation at the time of this incident, but I closed my business after my XXXX. XXXX was the original Creditor of this account which was the advertisor for my business. XXXX XXXX XXXX is handling it now. At the time I was a corporation, so I 'm protected from this. I called XXXX and the just tried to collect from me while calling me a liar about being a corporation. XXXX and XXXX investigated and removed the information back in XXXX, but TransUnion does n't seem to be investing properly or something.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : XXXX XXXX XXXX XXXX XXXX has been verified that the account they are reporting under my name is inaccurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation. Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. If this cant be provided, please remove this account off my credit report. I would greatly appreciate it. Any automated response, or e-Oscar verification is unacceptable. I am requesting a re-investigation AND your method of verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX Trans Union Corp., XXXX. XXXX ( XXXX  XXXX XXXX, 1995 ), you may be liable for your willful non-compliance. Under 15 usc 1681b- permissible purpose of consumer reports ( a ) in general, subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances & no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Product: Consumer Loan

Car loan that was included in a discharged bankruptcy, and also paid in full with insurance proceeds, is still reporting as open and delinquent to the credit bureau
Product: Credit card or prepaid card

I lost my one chase credit card and one XXXX  XXXX credit card on XX/XX/2018 at XXXX XXXX. Someone used my this cards at XXXX XXXX XXXX XXXX XXXX XX/XX/2018 at XXXX XXXX. And same card used in XXXX   XXXX  also. I informed to my credit card company immediately About this transaction and request to cancel these transactions.
Product: Debt collection

Calls non stop starting from XX/XX/XXXX to XX/XX/XXXX with multiple calls to my employer after I told him on XX/XX/XXXX to stop calling me and my employer. I stated " You can stop debt collectors from calling you at work fairly easily. Simply tell the debt collector that your employer doesn't want them calling your job or that you're not allowed to receive personal calls at work and they are legally required to stop calling you. " He then proceeded to call me back and left the following voice message which I have saved. 

" XXXX XXXX, XXXX, contact XXXX in your human resources department, she will give you a update, good luck to you '' Call comes from :XXXX File Number XXXX Sounds like a XXXX XXXX. I have voice messages saved. 


Email received from employer : From : XXXX XXXX Sent : Monday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX XXXX Subject : Heads Up Hi XXXX Just a heads up Applied Resolutions Group left me a vm regarding a XXXX XXXX XXXX I looked them up and they are shady. 
I didnt get a name, but the number he called from was XXXX. 

http : XXXX https : //complaintsdatabase.com/complaints/index/Applied+Resolutions+Group I dont intend to call them back, but I do recommend telling them that you can not accept these calls to call the office. 

You can stop debt collectors from calling you at work fairly easily. Simply tell the debt collector that your employer doesn't want them calling your job or that you're not allowed to receive personal calls at work and they are legally required to stop calling you. 

For me Your employer can not legally refuse verification of employment status to a creditor. However, they are not required to include any additional information beyond your job status, location of employment, and current insurance benefits XXXX if your debt is medical in nature ). 





Thank you, XXXX XXXX Ph : XXXX XXXX Fax : XXXX XXXX
Product: Mortgage

I recently applied for a mortgage with Mclean Mortgage Corporation. Although still married, I was fully qualified for the loan on my own and provided them with all information required for settlement. I was scheduled to close on the property on XXXX XXXX and on XXXX XXXX I was told by the mortgage company that unless I provided the underwriter with a detailed statement outlining the status of my marital situation and a signed statement saying that neither of us would seek child support or alimony in the event of a formal separation agreement or XXXX they would not approve my loan. My husband only XXXX month secured his own mortgage through another mortgage company ( same salary, same assets and same access to joint accounts ) was not required to provide the level of documentation I was nor was he required to provide a similar statement regarding alimony or child support. I did not feel their ask was fair or relevant to my qualifying the loan. Needless to say, I had to sign a letter, along with my husband, stating what they asked in order to close on the property on XXXX XXXX.
Product: Credit card or prepaid card

Recently I check my consumer report and see that your company is reporting a credit card that been open in my name. I never gave your company or anyone else authorization to open up this account in my name. I see that it is another person name on the account. I do not know this person and know that this account was open fraudulently. I have tried to work with your company to get this resolve but your company is standing strongly that this account is accurate. I did not sign any document or give permission to have this person and company run my name through any systems. I have been harassed and threated by this company to take legal actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Accounts below have violated my rights. 

XXXX XXXX XXXX Account Number XXXX XXXX Reported Balance {$0.00} XXXX XXXX XXXX  Account Number XXXX XXXX Reported Balance {$350.00} XXXX ) DEPT OF ED / XXXX Account Number XXXX XXXX Reported Balance {$39000.00} XXXX ) DEPT OF ED / XXXX Account Number XXXX XXXX Reported Balance {$4700.00} XXXX ) DEPT OF ED / XXXX Account Number XXXX XXXX Reported Balance {$950.00} XXXX ) DEPT OF ED / XXXX Account Number XXXX XXXX Reported Balance {$4800.00} XXXX ) DEPT OF ED / XXXX Account Number XXXX XXXX Reported Balance {$950.00} XXXX ) DEPT OF ED / XXXX Account Number XXXX XXXX Reported Balance {$3800.00} XXXX ) DEPT OF ED / XXXX Account Number XXXX XXXX Reported Balance {$8300.00} XXXX ) XXXX XXXX  Account Number XXXX XXXX Reported Balance {$3100.00} XXXX ) XXXX XXXX  Account Number XXXX XXXX Reported Balance {$7700.00} XXXX ) XXXX XXXX  XXXX XXXX Account Number XXXX XXXX Reported Balance {$4000.00} XXXX ) XXXX XXXX Account Number XXXX XXXX Reported Balance {$0.00} XXXX ) XXXX XXXX XXXX Account Number XXXX XXXX Reported Balance {$0.00} XXXX ) XXXX XXXX XXXX Account Number XXXX XXXX Reported Balance {$0.00} XXXX ) XXXX XXXX XXXX Account Number XXXX XXXX Reported Balance {$610.00} XXXX ) XXXX XXXX XXXX  Account Number XXXX XXXX Reported Balance {$1000.00} XXXXXXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX Reported Balance {$680.00} XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX 
Account Number xxxxxx XXXX Original Amount Owed {$230.00} XXXX ) XXXX XXXX XXXX XXXX XXXX Account Number xxxxxx XXXX Original Amount Owed {$220.00} XXXX ) XXXX XXXXXXXXXXXX XXXX XXXX Account Number XXXX XXXX Original Amount Owed {$470.00} XXXX ) XXXX XXXX XXXX Account Number XXXX XXXX Original Amount Owed {$160.00} XXXX ) XXXX XXXX XXXX Account Number XXXX XXXX Original Amount Owed {$170.00} XXXX ) XXXX XXXXXXXX XXXX  Account Number xxxxx XXXX Original Amount Owed {$52.00} 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I faxed over identity theft report, block request and ftc furnisher report and they opened the dispute but keep saying they have not received the documentation. Also this has been deemed as identity theft by the original credit XXXX XXXX   XXXX XXXX ( XXXX XXXX ) account XXXX. Also uploaded documents on myequifax.com and they are still saying have not received the supporting documentation. I would like for this to be removed immediately as this is affecting my livelihood. Attached please find identity theft report, block request, ftc furnisher and showing fax was received on XX/XX/2019 Thank You
Product: Debt collection

I sent a registered/certified mail letter to ProCollect which was received on XX/XX/23. In this letter, I disputed the dept and included the verbiage " All future communications with me must be done in writing and sent to the address noted in this letter by USPS. '' However, I received multiple phone calls from ProCollect on XX/XX/23 and again on XX/XX/23.
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 deliver timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution service was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation. These actions have caused significant inconvenience and financial loss, and I seek appropriate compensation for these violations.
Product: Student loan

I received a loan for school, through XXXX back in XX/XX/2004, for around {$20000.00}, but the school went out of business before I could finish the classes. Ive been paying on this loan since then, I have tried to work things out with Navient through emails, but have not received any response. I have tried to make payments on their website, but have been refused, stating the payments were not enough. Now my loan is in default. I will not conduct business over the phone, My information is to important.
Product: Debt collection

Calling my XXXX XXXX mother at all times of the day, numerous times, keeping her very upset. She does n't know what this is for. Her husband XXXX XXXX and shes not familiar with what they are calling for. The people calling barley speak XXXX and she does n't understand what they are saying.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that the same accounts 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 these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any 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 : {$2700.00} XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

When I purchased vehicle I approved only ONE time to the dealership to run my credit score, and without my permission they did it multiple times so I have many hard inquires on my credit report. This Happened in XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 700CR/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report : ( Identify item ( s ) to be blocked by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc. ) .This information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
National Public Data 2.7 Billion Records The biggest breach of the year XXXX involved a hacking group claiming to have stolen 2.7 billion personal records, affecting nearly every United States, XXXX, and the XXXX XXXX XXXXesident. The stolen data includes U.S. Social Security numbers, with some information already leaked on the dark web. While experts are still analyzing the scope of the breach ( since there are far fewer than 2.7 billion individuals in these three countries ), its likely that most, if not all, Social Security numbers have been compromised. 
XXXX XXXX XXXX XXXX Million Records Hackers breached XXXX XXXX XXXX XXXX, compromising the data of 73 million current and former customers. This breach included sensitive information such as Social Security numbers, account details, and passcodes. Most alarmingly, much of the exposed data dated back to XXXX or earlier and was discovered on the dark web in XX/XX/XXXX. This marks the second significant attack on XXXX XXXX XXXX in recent years, following a XXXX breach affecting nine million customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get this debt properly verified. I have requested for original contract. They refuse to provide this information. Every month they report the account as late to the XXXX Agency and it decreases my score. I have been trying to deal with this for a year. I dispute this account and XXXX says it has been verified, but there is no proof. Diversified Consultants have been reporting since 2017.