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

I finished my loan installment with XXXX XXXX XXXX in XXXX of XXXX never had a late payment during this time. It has been brought to my attention that after the account was closed due to me finishing the loan installment plan theyre still reporting to the credit bureau that I have late payments on my report and it is extremely impacting my credit score and me being able to purchase a house. This is inaccurate information being reported to the credit bureau I finished my loan in XXXX with no missed payments and this is very frustrating to see.
Product: Payday loan, title loan, or personal loan

Hi my name is XXXX XXXX and I was scammed by this guy named XXXX XXXX and he used my name to sign me up for a loan for Alliant capital management but the name of the loan is XXXX XXXX loan and I have never ever signed up for it and Alliant capital management said that they will sue me too
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX/XXXX XXXX Account number XXXX Account XXXX XXXX is a fraud account which was resloved years ago. 
XXXX XXXX had fraud tied to it XXXX XXXX XXXX didnt hold the the CARES act 2 with the provision on supsending late payments due to the COVID 19
Product: Checking or savings account

Have had problems with this account since opening 5 years ago, this account is hardly used, pretty much for auto deposits from employer ( Ive been on medical leave most of this year ) - 1 ) To this very day have NEVER received a Debit Card even though requested at least 3 times. 
2 ) Originally when opened set up to access at the BRANCH, until last month have never been able to access again online even though called them several times for help, they referred to Illinois office, who never followed up. 
3 ) Last month after getting a statement showing they were charging me for mailing statements, they finally unlocked account and I was able to access online ONCE. I changed to paperless statements and logged out and have not used the account since. 
4 ) Yesterday I received an alert email from them that the account was frozen due to to many incorrect attempts to login at XXXX. I did NOT try to login and no one could have possibly gotten the account information from me. Thinking that someone was trying to hack in to TCF, I  called them. 
I tried several times yesterday, called & spoke to THREE different employees. They were NOT willing to help and only offered to help unlock the account and said they DO NOT have a Department that handles security isses! I emailed & sent the details through corporate contact, with NO response. 

Its really sad that fraud was attempted and they don't even care to help.
Product: Consumer Loan

I have already filed a complaint against JP Morgan Chase in regards to my mortgage and there lack of professional customer service. I am a victim of financial and XXXX abuse. I am in the process of getting my life in order. I was left with a huge credit debt due to my spouse. I pay my bill every month on-time. I asked if my monthly payment could be reduced temporarily until I weather the storm. I was told by them that they could not help me. I wrote letters to them explaining my situation and still they would not help me because I am current with my monthly payments. I am trying to avoid bankruptcy. I have a court order sale of my house that my spouse is in contempt of. All I am asking from them is temporary help until I am able to get on my feet. They are unresponsive and down right nasty to me. I received a positive response after filing a complaint about there customer service in regards to my mortgage and now I am asking again.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity fruad since XXXX. Towards the end of every year I review my credit report just to make sure everythig is reporting accurately. I noticed that I had a hard inquiry on my report from this company. They sent me a letter asking for my drivers license and social. I declined and instead wrote them a letter XX/XX/XXXX via mail to inform them that this was fraud. I never applied to this company and I have no reason to. They fdailed to respond to me within the XXXX days of notice. They refused to respond and kept the inquiry on all of my credit files.. I even contacted the credit bureaus about the matter and told them that I reached out to this company. My credit file reflected between XXXX and XX/XX/XXXX this inquiry was removed. Then it was placed back on my credit file which is illegal after I have communicated to them that this was fraud. I have attached the letter that was sent to them and proof of certified mail, and the letter that they sent me as well as prood that it was removed from my credit files
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX Equifax, XXXX XXXX These accounts needs to be removed immediately.

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed!

MY information was EXPOSED in multiple data breaches across XXXX  XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP!

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, Transunion, and Experian report.

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through Transunion, Equifax, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX balance {$940.00} date opened XX/XX/XXXX XXXX XXXX date opened XX/XX/XXXX balance {$2100.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$480.00} XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX Auto ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXXank ) XXXX XXXX, XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I have noticed that my account is being reported as late for a very long time even though this company has been taking their payments out of my account via checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Carrington Mortgage has a late payment showing for the month of XX/XX/XXXX that I totally disagree and it is effecting my credit report. 

There was an error received on their website the day that I was trying to make my payment as I usually do each month and it was not allowing my payment to be processed. Since switching over from XXXX in XX/XX/XXXX. I have not been late since XX/XX/XXXX. When i contacted them they stated that payment went through on the XXXX that caused my account to be 30 days late and that there wasn't anything they could do for me. After explaining to the customer service rep repeatedly that it was an error on their site that caused the issue, she became non responsive in resolving the matter. I am coming to you to see if there is any assistance that you could help get this late payment removed. 

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

Multiple attempts have been made to remove a fraudulent/misfiled account from my Experian credit report. The report was successfully removed from XXXX XXXX and XXXX as there is no contract and it was incorrectly filed on my credit statement and has had an adverse effect on my personal and business finances. In XX/XX/2018 I mistook the account for one that was closed in good-standing upon military activation and submitted a response stating this. Upon further investigation, I discovered the record was misfiled and did not belong to me. When I applied for a business line of credit, my lender informed me that the account was still negatively impacting my score, resulting in another dispute with a formal letter explaining the mistake. Experian did not look into the error and disregarded my request, otherwise, they would have discovered my military activation and that I could not have been the individual behind the transaction.
Product: Credit reporting or other personal consumer reports

there is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be BLOCKED and DELETED. My request to block is not being made in error ; nor is my request to block is being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. 
The identified transactions are not information related to any transaction by me as the consumer. 

Based on 15 U.S Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of the receipt It has been 30 days and you are in violation of this law because I am a victim of identity theft! please delete these items as soon as possible! 

These accounts and inquiries should not be furnished on my consumer report as they are in violation!! Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. 
I never gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

PLEASE DELETE THESE ACCOUNTS IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX PLEASE DELETE THESE INQUIRIES 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FCRA law 15 USC 1681 I have not given written permission to put anything on my credit profile have violated me pursuant to 15 USC 1681 B the permissible purpose of Consumer Reports you have no permissible purpose by law to contact third parties with my private and personal information your offenses amount to aggravated identity theft pursuant to title 18 USC felony punishable 1028A in addition to civil liability up to {$1000.00} per violation you are also in violation of 15 USC 1692 my instructions are for you to delete these accounts immediately.

PLEASE AND THANK YOU.
Product: Credit reporting or other personal consumer reports

Enclosed is proof that the account XXXX XXXX is reporting inaccurate information on TransUnion. TransUnion has late payments reporting for XXXX XXXX account, yet XXXX is reporting no late payments for XXXX XXXX. I requested that TransUnion investigate for maximum reporting accuracy with the XXXX XXXX  account and remove the late payments but of course TransUnion seem to practice XXXX  with Sham Investigations. Simply " parroting '' information from a Data Furnisher without an actual independent verification constitutes willful non-compliance, as affirmed in XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX XXXX ). I am filing this complaint against TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions TransUnion consistently respond immediately 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, TransUnion actions may contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the CFPB recent administrative proceeding. ( File No.2025-CFPB-0002 ) against other bureaus for similar violations. I request that the CFPB take action to ensure TransUnion complies with Federal Law.
Product: Debt collection

I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe {$300.00} to this company and right now I am getting an alert on my XXXX XXXX and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write to the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote to me before. If they don't write to me then how could they send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract showing my signature along with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as XXXX XXXX. The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} million from consumers, largely by placing bogus or highly questionable debts on their credit reports. 
The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the F.T.C.s bureau of consumer protection XXXX said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an FDCPA lawyer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a letter from XXXX XXXX XXXX XXXX of accusing me of using a credit repair company company after disputing fraudulent accounts reporting on my credit file. Experian also sent a letter in regards to my dispute that they will not honor my request due to it being made in error. Experian has received several pieces of supporting documentation which included an identity theft report which is considered a government agency report. XXXX has also denied or refused to honor my identity theft report from the federal trade commission which included several fraudulent accounts XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. XXXX/XXXX/Experian also has failed to update my personal information which still displays several inaccurate addresses I were never associated with. I find this response from XXXX/Experian unethical and straight biased considering the lack of proof they have supporting their claim. XXXX/XXXX/Experian has not provided accurate verification, blocked, or adhered to any of the laws governing the Fair Credit Reporting Act. This is unacceptable and XXXX XXXX/Experian Should be held liable
Product: Credit reporting or other personal consumer reports

I have 2 issues with Equifax 1. Lenders can not view my report for whatever reason, which is preventing me from obtaining credit. if this isn't resolved in the next 5days I'll be sending this to a consumer lawyer to sue for damages.

2. XXXX is unable to pull data from Equifax so I'm able to view my tri-merge report and XXXX score.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX  on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX  on XX/XX/XXXX with a balance of {$8000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN NOTICING MULTIPLE INQUIRES FROM THE SAME COMPANIES APPEARING ON MY CREDIT REPORTS, COMPANIES THAT I ALREADY HAVE CREDIT CARDS WITH AND MOST OFFFER CREDIT CARD INCREASES WITH A SOFT PULL. I HAVE FILED AN IDENTITY THEFT REPORT BECAUSE I BELIEVE SOME ONE HAS MY INFORMATION. I HAVE REACED OUT TO ALL THREE CONSUMER AGENCIES WITH LNO LUCK ON GETTING THESE FRAUDULENT INQUIRES OFF, WAS TOLD THAT IT WAS NOTHING THEY COULD DO. THESE INQUIRES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WHY WOULD I APPLY FOR THEM AGAIN I SHOULD HAVE 1 OF EACH NOT 3 OR 4, BUT THE REPRESENTATIVE SAID SHE CANT DO ANYTHING EVEN AFTER I TOLD HER THESE INQUIRES WERE FRAUDULENT AND I HAVE MAILED IN MY DOCUMENTATION. THIS WAS XX/XX/2023 AT XXXX XXXX WHEN I CALLED ALL 3, MAJOR CREDIT AGENCIES. I HAVE BEEN TRYING TO FIND A APARTMENT BUT I KEEP GETTING DENIED BECAUSE OF ALL THE FRAUDULENT INQUIRES, I WILL BE HOMELESS IN 30 DAYS IF I DONT FIND A PLACE
Product: Mortgage

Lakeview subserviced by XXXX  XXXX we received notification that our loan was sold to Lakeview. Changed our XXXX payment with the new information and electronically mailed a check on XX/XX/XXXX. On the XXXX it was cashed and on the XXXX Lakeview refunded it back into our account. Soon after got a feline notice with a {$60.00} late fee. After contacting them numerous times via phone and email we are getting no resolve to them dropping the late fee and accepting our payment. Now I can't get a real person on the phone before getting hung up on.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has allowed a collection agency 's debt/collection amount to remain on my credit report after they have received my letter regarding fraud/identity theft. There is a company named XXXX XXXX XXXX that I have no knowledge of, put two medical collections on my credit report for {$180.00}, which do not belong to me. I have never had any dealings ( including medical ) with the named company, nor did the company provide me, nor Transunion, legal validation that the debt belongs to me. The company, XXXX XXXX XXXX, did not and can not show written proof of my signature that I agreed to any dealings or medical treatments with them, nor did I provide them any written authorization or consent to obtain any of my medical records or history ; at which, if the debt was mine, they would be in violation of the HIPPA law, as all signatures contain personal medical history and costs of services. Again, I have no knowledge of this debt, no knowledge of this collection agency named XXXX XXXX XXXX. Transunion had received information regarding my identity being compromised, and the collection agency can not legally validate to me, nor to Transunion, that the debt is mine. No proof of signature or written consent from me to the collection agency was ever provided by me. I'm requesting that Transunion please remove the Collection Agency named above and the collection debt, which is not mine, of {$180.00} from my report.
Product: Money transfer, virtual currency, or money service

There arent enough boxes to check. 
My information has been leaked by cash app I was a member since the beginning and lost a lot of money and their service was non existent as it is today you still cant get a person in the phone My cash all account was actually hacked and money was drained from me and cash app did nothing to help
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Credit Card - Placed in Collections and sent to XXXX XXXX XXXX XXXX XXXX  and placed a Judgement against me - Paid account off, they contacted Capital One, and Capital one was to contact the courts and bureaus to have Judgement against me removed. Could you please look into this. It is preventing us from buying a new home.