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

I am writing in accordance with the Fair credit reporting act Convergent Account #, 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 consent / instructions. 
XXXX XXXX # -- XXXX Credit XXXX XXXX # -- XXXX XXXX XXXX # -- XXXX XXXX # XXXX -- XXXX XXXXt # -- XXXX XXXX XXXX XXXX # -- XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have attempted to retrieve my Equifax credit report from XXXX but am unable due to the system showing I have 4 active disputes and as long as the system thinks I have 3 active disputes it will not allow me to pull my credit report. I have brought this to Equifax attention on multiple occasions but nothing has happened with that. This issue has been ongoing for over 240 days. As you can see from the images my recent disputes are closed and the disputes before that are as well closed too. I confirmed with Equifax that the disputes confirmation # XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX and XXXX - XX/XX/XXXX are closed but they are showing them as still open. I also have not gotten the results from the disputes listed nor have I gotten the results from my recent disputes. I have not been able to pull my credit report since XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am a victim of identity theft and that I am complaining about certain entries in my documents that have arisen as a result of the crime. The documents I'm questioning have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/2023 ; XXXX  XXXX XX/XX/2023 ; XXXX XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've reached out to CoreLogic Credco twice to resolve issue ( s ) on information on my file in their company possession. Once I reviewed the file I requested the removal and deletion of ( NOD ) Notice of Default. They said they reviewed it with XXXX and they said they received the information from them. However no mortgage company is listed on my credit file/report. Then I requested for an reinvestigation and asked for the company that furnished the the information. And now there saying that the credit Bureaus supply them the information. However it was verified by CoreLogic Credco
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I previously filed a CFPB Complaint No. XXXX regarding this matter. It references the improper closing of a bank trust account without proper documentation and breach of fiduciary duty. Simmons Bank responded to my original CFPB complaint. I am attempting to reply to Simmons Bank response. I filed a formal police report alleging XXXX XXXX under the Arkansas XXXX Abuse Act resulting from bank negligence, fraud or complicity. However, I could not get a copy of the official police report until today, XX/XX/year>. Consequently, I tried to reply to the CFPB response including the police report but my previous complaint number was closed after 60 days. I am filing this complaint to complete the previous record with new information.
Product: Credit reporting

ok I have been trying to to dispute inaccuracies on my credit report and have had no luck with equifax the accounts that i issues with is XXXX is XXXX communications it is on my file twice i only have XXXX account and i cant get frontier to help and equifax claims that frontier is validating accounts over phone when i have request proof in writing i get nowhere acount has been paid but payments are inaccurate and i ld like account removed from credit file XXXX is a duplicate and still shows balance also XXXX tax leans with the state of michigan has been released and they refuse to update XXXX is a duplicate but i cant get the treasury to help but i would at least like to get update to say paid and satisfied
Product: Mortgage

In XX/XX/2019 my loan was transferred to M & T Bank. In XXXX I changed my home owners insurance to a better rate. I was billed an incorrect amount of $ XXXX monthly payment when my payment has never been over {$620.00} for the last 11 years. I called M & T Bank and was told there was a mistake that should have been handled previously, but wasn't. I was told to wait 5 business days for correction but nothing happened. After calling back XX/XX/XXXX, I was told I must pay the {$910.00} and they will fix it when they get to it. After speaking with a supervisor they calculated the corrected payment which was still higher than normal at {$660.00} which I paid at that time. Today XX/XX/XXXX I receive a letter of unapplied funds of {$660.00} and a statement for XXXX bill for {$910.00}.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 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 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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681.

I sent certified letters out to all three credit companies on XXXX and XXXX XXXX with no response. I told the XXXX, Transunion, and XXXX to reinvestigate these accounts and if its not accurate please delete them. I even pulled my credit report again and notice nothing has changed and they are still reporting inaccurate information. with my last complaint i also sent a copy of my credit report XXXX both credit reports will be attached as evidence to show they lied about properly investigating and fixing the issues. I also attached a CFPB complaint from XXXX who took action on XXXX and deleted the inaccurate accounts because it was violating my rights after they said they did a proper investigation and didn't In addition I even filed complaints with you the CFPB on XXXX, and XXXX and Transunion stated on XXXX that everything was VERIFIED AS REPORTED to the CFPB. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isnt reporting correctly.

15 U.S.S 1681 section 602 A. states I have a right to privacy.

15 U.S.C section 604 A section 2. Also states a consumer reporting agency can not furnish a 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 any other adverse items of information, other than records of conviction 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 I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report.
Product: Checking or savings account

overdraft fees added with Wells fargo bank account closed my account without allowing charges to be disputed
Product: Credit reporting, credit repair services, or other personal consumer reports

The company was reporting an owed balance to the credit bureaus. The company asked me to settle the account and they would give me a letter stating that the account was settled for me to have it removed from my account. I've sent in multiple disputes to each credit bureau to have this removed and they are still falsely reporting a balance with the balance has been paid Since XXXX and it is now XXXX. Recent experian updated the account with a balance when this balance should be at XXXX. Neither of the 3 credit bureaus will remove this account when they are purposely reporting false information.
Product: Mortgage

I received a notice from Huntington National Bank that I was approved for a COVID-related forbearance for the months XXXX, XXXX & XXXX. I was then to continue payments on XXXX in which i did. 
Though when I received my statement, I noticed that the months that I was approved for the forbearance where shown to be delinquent. I contacted Huntington National Bank and was informed that this would be taken care of on the next statement. 
Several months had past with the same results showing these months to be delinquent. 
I then contacted CFPB with a detailed complaint and within 2 days was contacted by Huntington National Bank, letting me know that there would be forms sent out for me to sign. These forms would allow the months of forbearance to be rolled to the end of my mortgage. I received those forms on XXXX and mailed them back on XXXX. 
With this complaint I'm letting you know that this issue is still unresolved as of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Experian a letter expressing them to remove a public record because I contacted US Bankruptcy to inquire if they reported a XXXX  XXXX to my credit report. The letter from US Bankruptcy stated they DO NOT report any bankruptcy but information is placed on a website called XXXX which is a third-party reporting agency. Credit bureaus can not use third-party information to place on credit reports. Also, Experian has two open accounts for XXXXXXXX XXXX and there is only one open, the other is paid and closed. XXXX XXXXXXXX credit card is also not over the limit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XXXX. XXXX XXXX XXXX, TX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX XXXXXXXX # XXXX {$300.00} Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX XXXXXXXX # XXXX {$300.00} Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX, GA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXXXXXX XXXX # XXXX {$300.00} Inquiries : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts?

You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or removed immediately. 

South Carolina Student : Account numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX {$2000.00} XX/XX/XXXX XXXX {$340.00} XX/XX/XXXX XXXX {$2500.00} XX/XX/XXXX XXXX {$2100.00} XX/XX/XXXX XXXX {$18000.00} XX/XX/XXXX XXXX {$11000.00} XX/XX/XXXX XXXX {$120.00} XX/XX/XXXX XXXX {$2000.00} XX/XX/XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX ky XXXX My social security : XXXX All of these accounts I have reached out to the company to get them resolved I disputed them and they have never taken them off even the close accounts they won't even take off and it's hurting my credit score tremendously
Product: Debt collection

I have been disputing this account with XXXX XXXX XXXX, TransUnion, XXXX, and XXXX  for months. The bureaus claim XXXX XXXX claims if accurate yet, all companies have refused to supply me with the method of verification and or any written contracts with my signature. According the the FCRC and Maryland state and Federal laws I have the right to have and review those contracts if any. If they don't have them then it accounts must be deleted. If XXXX XXXX did supply the bureaus with any information they did so under a ceased and deist order with was sent certified mail on XX/XX/2021 and again XX/XX/2021. If such information was provided under this order that is grounds for District Court with XXXX XXXX and all 3 credit bureaus for obtaining medical information without my consent. At this point I was these account deleted not updated and I will seek damages of $XXXX per violation per company (XXXX XXXX XXXX, TransUnion, XXXX, and XXXX. Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act (including but not limited to Section 807-8) Violation of the Fair Credit Reporting Act (including but not limited to Section 623-b)
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 XXXX XXXX and XXXX XXXX attempted to do a transfer of funds transaction through cash app. We attempted to do the transfer of funds three times. All three times they were declined. At this same time while XXXX was trying to pay XXXX the funds, XXXX was trying to request them. Somehow during the transfer of funds being attempted both ways got mixed up and frozen until both of us could no longer complete the transaction. XXXX XXXX attempted to call this number XXXX, which we thought was for cash app support. At the time of making the phone call when we made the call we talk to a foreign guy. He had XXXX to download an app by the name of XXXX XXXX XXXX XXXX on her mobile device. Once XXXX downloaded the app he was able to hack in her phone through cash app. This allowed XXXX XXXX to send the funds from her account to XXXX account. Instead of the agent sending funds from XXXX account, the funds were sent to someone account in California. He had XXXX XXXX to transfer two amounts. {$720.00} and {$820.00} for a total of {$1500.00}. None of these amounts were received in XXXX account. XXXX  cash tag at the time was $ XXXX. Instead of it being transferred to XXXX cash tag, it was transferred to a cash tag in California by the name of $ XXXX. This was never XXXX  cash app cash tag. After the transaction was completed to his satisfaction, the call was disconnected and there was no longer any communication with the agent. The person who received the funds had the above cash tag, the number was fraudulent and was not a working number for cash app support. The individual who made the transfer of funds was not a working individual for cash app support. These transfers were attempted through deceptive behavior and should be taken action against.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX and TransUnion credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

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

I received a notification that there was new activity on my credit report. Upon looking, I found a collection of what I assume is a loan taken out in 2022 and was never paid. This is the first time I saw or heard of the company. I believe it to be identity theft and I filed a dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX XXXX XXXX {$670.00} XXXX/XXXX   XXXX {$1200.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX