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

I am writing to notify you that I am a victim of a data breach, and as a result, I am requesting that all accounts listed below be blocked and deleted in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). Please ensure these accounts are removed from my credit report immediately to mitigate the impact of this breach. 
Accounts to be blocked and deleted : XXXX. XXXXXXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$910.00} XXXX. XXXX XXXX  XXXX - XXXX - XX/XX/XXXX - {$1800.00} XXXX. XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX  - XXXX - XX/XX/XXXX - {$3800.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} Inquiries to be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Sun Trust in the forbearance process has incorrectly calculated the principal balance of my loan. I am about to sell my house so I will lose this amount from the proceeds. Sun Trust has increased what was shown as a principal of {$290000.00} to {$290000.00}. They have been unresponsive, and they have been unwilling to fix the problem.
Product: Credit reporting or other personal consumer reports

I had an old car that was paid off due to it being totaled the insurance and gap paid it XXXX XXXX XXXX. I have invalid collections! I don't remember having those credit cards! The debt collectors haven't sent me any paperwork showing i signed to get them. XXXX XXXX and another credit card. They was supposed open like 7 years ago
Product: Credit reporting, credit repair services, or other personal consumer reports

There are medical bills on my account that I have no knowledge of. I filled identify theft and sent the paperwork in. Equifax keep verifying information thats incorrect. 

XXXX XXXX XXXX- {$1200.00} XXXX XXXX XXXX {$630.00} XXXX XXXX XXXX- {$920.00} XXXX XXXX XXXX- {$130.00} I have been disputing these accounts and they keep coming back verified. I request information they use to verify the accounts and I never receive anything. They arent protecting my credit file from fraudulent accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

this is my third time disputing these accounts that does not belong to me and not sure what is the hold up on processing my dispute here are the accounts : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1000.00} I have request documentation from the following collections agencies and Please delete the above accounts they are not accurate and unverified 609,611,623 FCRA violation.
Product: Mortgage

WellsFargo conv loan with now Ex-XXXX- both names on the mortgage loan. Hm loan from XXXX COVID 2020 Shutdown- my career business XXXX  so I could not work. Then I recvd the XXXX XXXX shots to return to work, which made me very sick- while going through a 33 year marriage/divorce, finalized on end XX/XX/XXXX. I paid 20 years of a 30 yr mortgage and tried to do an ASSUMPTION LOAN- but was denied because of lack of working- due to contracting XXXX! Then got sick from getting the XXXX XXXX XXXX and had to take months to recover. I had letters stating I was employable ( 35 years as a working XXXX XXXX ) by XXXX  and I had a considerable amount of funds available until I could resume working but WF denied me. I lost out on 20 years of paying on the loan, mostly interest up front.
Product: Debt collection

My idenity was stolen in XXXX. Since then i have been battling to get accounts that are not mine removed from my credit. The company True accord has an account that they claim is my account. I have asked for verification of the debt many times to which they never adequately verify the debt. i have also sent in doucumentation to the collection company as well as the credit breaus to show that i have been a vicitm of idenity theft, yet they still refuse to remove the account. On ( XX/XX/XXXX ) i wrote a letter to the company offering to settle the debt beacuse my efforts have literally when no where to prove that i do NOT owe this debt. 

This company is hindering me from obtaining a home loan through tactics that are illegal considering i am showing proof that this debt is not mine. Today ( XX/XX/XXXX ) i contacted the agency by phone to do the same thing that i listed in the letter ( to settle the debt for a lesser ammount around {$500.00} ) The agency stated that they can not settle the debt for less than {$500.00} and the amount that is showing on my credit report is around {$1000.00}. I refused to pay the stated amount and wanted to report their illegal tactics. 

Once again, I DO NOT OWE THIS DEBT, but i figured it would be easier to just settle the debt and move on since this company refuses to honor my paperwork that i have sent in many times clearly showing that i have been a victim of idenity theft. I am trying to obtain a home for myself and my young child, i should not have to battle with this company to remove a debt that i do not owe in the first place.
Product: Credit reporting or other personal consumer reports

I called Equifax multiple times regarding a XXXX business account for {$1700.00} creditline be closed and reflect the XXXX balance. This XXXX business account remains open on my personal credit file when it should be closed and reflect {$0.00} balance. 

There should be no open XXXX accounts on my credit profile, no late payment or anything with XXXX  accounts. Equifax continues to report open XXXX XXXX despite my multiple requests to have the XXXX  accounts closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I

need you to attend the following shown items in this letter which contains data taken directly from my credit report which you have provided. Hard Inquiry Name Here down below Delete this unconfirmed inquiry lacking certifia ble evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C. 1681 ET SEQ. Section 604 of Fair Credit Reporting Act Once you have fulfilled my request, mail me an updated credit report reflecting these changes
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is in violation of 15 USC 1681b ( a ) ( 2 ) which states that I the consumer have to give TransUnion written consent to furnish anything on my consumer report. I XXXX XXXX the consumer never gave TransUnion any written consent to furnish anything on my consumer report. No consent is Identity theft. 
Pursuant to 15 USC 1681 ( a ) ( 4 ) I the consumer have the right to privacy. My privacy has been breach because TransUnion continues to furnish these inaccurate accounts that I never gave them any consent to report on my consumer report. There is no such thing as public records for a consumer. 
I have attach the response I sent to TransUnion below.
Product: Prepaid card

On XX/XX/XXXX, I made a purchase for XXXX. I was charging {$96.00}. I was told I will receive a refund and I still havent received a refund. I did not authorize XXXX to take {$96.00} out of my account. I reached out to cash app telling them that it was unauthorized charge, authorize them to charge {$96.00} get cash app has not refunded me the money
Product: Credit card

I paid off my balance due and closed my account on XX/XX/year>. I have since been charged for a " minimum finance charge '' and subsequent late fees, after closing the account. When I contacted the company to ask how that was possible when I had paid off the balance and closed the account, the customer service manager literally told me that I had not " asked about the finance charges I owed ''. It's absolutely ridiculous for a person not to be told the TOTAL amount they owe when trying to close an account and then being charged afterwards for finance charges and late fees.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS AND INQUIRES ARE NOT MINE PLEASE REMOVE OFF MY CREDIT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, and XXXX, has violated my rights. 

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

15 U.S.C 1681 Sections 604 A. 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

I am a victim of identity theft. I'm not sure if it was a close friend or family member, or one of the previous addresses that was listed on my credit report that I still received mail at. My personal information was breached on several occasions. XXXX in XX/XX/XXXX, SC tax payers breach in XX/XX/XXXX as well as the sherwood information leak. There are several accounts that were opened in my name that I had no idea of nor did I benefit from, as well as several other attempts to open accounts that resulted in hard inquiries. I sent in a letter to Transunion explaining this and they said they'd open a dispute and get back to me within 30 days. 30 days went by, I called each 3 days in a row after the allotted time, each time I spoke with a representative from XXXX, XXXX, and somewhere else I can't recall but all were located outside of the USA and said they were unable to locate what I sent it. How could they in the address I sent the disputes to was to Pennsylvania. I now am filling complaint, resubmitting my disputes and attaching my documents hoping to get a resolutions. PLEASE SEE ATTACHED.
Product: Credit reporting, credit repair services, or other personal consumer reports

This has happened in the past for me with Equifax. I do not have this issue with  XXXX  and  XXXX .     I wanted to have my security freeze lifted for 30 days. I paid online and got confirmation from Equifax. However, when   XXXX   tried to check my credit, they are still seeing a freeze.     No one is available from Equifax to fix this over the weekend. I am sure this has happened for other consumers also.     I am wasting my time and money and there is no accountability from Equifax. I will have to wait for week day to get someone over the phone and get it resolved.     Thanks,  XXXX .
Product: Checking or savings account

telephone # XXXX called saying I owed to XXXX so I wrote check out and mailed for Synchrony. Thought nothing of it because I had XXXX card. Month later got call saying I owed {$110.00}. Knowing I didn't, and researched and Synchrony was not my Credit Card bank, but XXXX was. I am not going after my first payment, but wanted to let more people know how you can easily be scammed.
Product: Credit card or prepaid card

Several months ago, I filed disputes for several charges on my XXXX XXXX credit card for the following companies : XXXX for {$1300.00} and XXXX XXXX for {$1000.00}. After the last time I contacted your agency, XXXX XXXX opened the disputes and provided provisional credit to my account. I would like someone to communicate the status of my disputes transactions with XXXX and XXXX XXXX. I would like to know the status on these refunds and when can we expect a resolution?
Product: Mortgage

We sold our house on XX/XX/2020. The mortgage was paid off by the title company on XX/XX/2020. 

The MORTGAGE is STILL OPEN IN THE PUBLIC RECORDS of the XXXX XXXX XXXX, XXXX, NJ. 

I have contacted Shellpoint Mortgage Servicing on many occasions, by phone and email, and they are not responding to my request. 

I spoke to the county clerk and they said to find out how the cancelled mortgage was sent in because their on-line system has been down since XXXX and they have no record of receiving anything from Shellpoint. 

I gave this information to Shellpoint and asked them how they sent in the cancelled mortgage. They have not responded other than to send me the same letter over and over again that they received my inquiry and they are working to gather the information. 

I am getting nowhere. I finally asked them on a couple occasions to please just mail in a duplicate cancelled mortgage to the clerk, so we can get this off the records. 

This is impacting our ability to apply for a mortgage - because no lender is going to give us a mortgage if it shows we still have an open one. We have a very small timeline to get a mortgage because of our rental lease expiring.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, recently pulled my credit report and have found these debts to be inaccurate, fair and substantiated. As per the FDCPA, I have the right to request a validation of this debt. I request you to prove that I am indeed the party who is by contract obligated to pay off this debt. These negative listings on my credit report does not allow me to enjoy the benefits of good credit. In addition, you must also be aware that until you validate this debt, you can neither continue collection activities nor report this information on my credit report. I'm sure your legal staff will agree that non-compliance with this request is likely to put your company in serious legal trouble with the Federal Trade Commission ( FTC ) and other state/federal agencies. 

XXXX XXXX surrendered to XXXX bank 1. Complete payment history on this account so as to prove that the debt amount you wish to collect is correct.

2. Agreement with your client thatauthorizesyoutocollectonthisalleged debt. 
XXXX. Agreement that bears signature of the alleged debtor wherein he promises to pay the creditor.
Product: Debt collection

XXXX XXXX is reflecting on my credit report. I have submitted various letters asking for validation of debt in which I have not received. I have contacted XXXX XXXX who states that they are not furnishing my information to the credit reporting agencies as well as XXXX XXXX. I have correspondence from both XXXX XXXX and XXXX XXXX that states this as well.
Product: Payday loan

To whom  it may con cern, I 'd like to make a complain abo ut RISE Credit. W e originally signed up for a {$3000.00} with an interest rate of 208 %. I have been paying {$520.00} every month and paid a total of {$5500.00} and they want me to pay them  until 2018. This  has been a burden for me and my family. As an  XXXX   XXXX  military member i have reached out to my chain of command regarding this issue. I have been advised by financial counselors that in accordance w ith Military Lending  Act says that you ca n't be charged an interest rate higher than 36 % on most types of consumer loans and provides other significant rights. I am currently working with my loca l Judge Advocate General 's Office to g et some help with legal issues.
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Account Resolution Solutions for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never given this company any consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness. 



This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence. 

I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Account Resolution Solutions, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Account Resolution Solutions, continues its collection efforts, I will file for litigation for actual damages caused and Account Resolution Solutions, shall be liable for violations of TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT and RICO Act.

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit reporting or other personal consumer reports

I purchased my used vehicle in XX/XX/XXXX and have consistently made timely payments to XXXX XXXX by XXXX. I reached out to the company to request an update on my loan balance, which has decreased from the original amount of {$17000.00} to {$16000.00}. After my upcoming payment for XXXX it will further reduce to {$15000.00}. However, I am puzzled as my credit report only reflects payments for XXXX, XXXX, XXXX, and does not include entries for XXXX, XXXX, XXXX or XXXX, or XXXX and XXXX of XXXX. Upon contacting the company, I was advised to submit a written request detailing the discrepancies in my credit report in XXXX to the address they provided, with a promise that it would be resolved within thirty days. Despite following through in XXXX, it is now XX/XX/XXXX, and the missing entries have yet to be updated, nor has my loan balance been adjusted in the report. This ongoing issue has persisted since I took out the loan, with repeated assurances from the company that it would be rectified. This situation is negatively impacting my credit score and hindering my ability to refinance with another lender, as my credit report still reflects the original loan amount rather than the reduced balance. I have also contacted the credit reporting agencies, who confirmed that they are reporting the information provided by the loan holder, which is inaccurate. Attached is the updated information as of XX/XX/XXXX. Of my credit report and my loan balance they is provided with in regional acceptance app. When I submit a dispute through the XXXX credit bureaus regional acceptance is denying to change the information saying it is accurate with the credit bureaus and it isnt because I have proof. Please let them do a thorough investigation and not deny to change this information just as a generic response without doing there due diligence.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 ( XXXX ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I am not familiar with that debt at all and I told them that. They still saying i did it but I have no idea where the debt came from and the was not able to tell exactly where it came from.
Product: Credit reporting or other personal consumer reports

My XXXX credit report currently contains XXXX accounts which are invalid. I have disputed these with XXXX multiple times over the course of the past year. I have explained all pertinent information to XXXX about these accounts to the best of my knowledge. XXXX does not investigate these disputes, XXXX sends an automated generic message reply to every dispute I make for these XXXX invalid accounts. The accounts in question are a XXXX XXXX which has never been opened by me nor do I possess any knowledge of it at all, it is not mine. The XXXX account is a XXXX XXXX which was opened by me in XXXX of 2023 but was never used for any purchases prior to the account grantor Citi, XXXX the account at there own discretion in XXXX of XXXX.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving the inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experiam has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and rights as a consumer.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX UNAUTHORIZED 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 XXXXXX/XX/XXXX