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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA XXXXection 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

For the second time XXXX XXXX inaccurately reports mortage balance higher than actual balance. By inflating the existing balance in addition to the new escrow balance, they report an inflated balance to credit reporting agencies while reporting the actual balance to customer. When challenged on why they do it they say its to benefit the customer, but often fall short of specifying how.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am one of the Equifax victims. I do n't know when my report was breached, but they report it was. So, now I 'm stuck with my identity being out there.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Credit Bureau Creditor notified 3 credit bureaus that credit report ( s ) incorrectly showed a charge off on the account and that there was no charge off and account was paid and o balance owing. 
XXXX and XXXX updated their reporting and changed the credit score.

Experian incorrectly updated their reporting and continue to show a charge off and late payments. 
All efforts to dispute their actions and properly update the account reporting have failed
Product: Payday loan, title loan, personal loan, or advance loan

I am a XXXX  member of the XXXX XXXX XXXX XXXX getting XXXX next week. I have reached our to all of my banks, financial institutions, and services that I have loans with in order to apply the XXXX XXXX XXXX XXXX XXXX ( SCRA ) in accordance to the Federal law. GoodLeap is one of the institutions I have a loan with. All of the other companies/banks/institutions have promptly honored and applied the XXXX by lowering my interest rates. On the contrary, GoodLeap has failed my numerous attempts to get even the slightest bit of communication or progress with this matter. Below are the dates I have reached out to them : XX/XX/XXXX : Initial Attempt- Routed to outsourced department overseas- unaware and unfamiliar with XXXX. Advised to send email to XXXX ( which I did ) NO RESPONSE XX/XX/XXXX : Second Attempt- Routed again to same billing department overseas, same scenario, unfamiliar with SCRA and advised to send another email including XXXX orders to XXXX I stayed on the phone while I sent the email until the representative confirmed that they received my email and advised to wait for response. I only recieve confirmation that email was received. 

XX/XX/XXXX : Third Attempt- Routed to the same department overseas and was told that they need to submit yet another request. At this point, with my XXXX quickly approaching, I requested to speak to someone onshore in the XXXX. I was transfered to an agent by the name XXXX, who was ALSO unaware and unfamiliar with the XXXX and ALSO advised that he will submit another request. I asked to speak to a Supervisor transfered to XXXX who asked me to email the documents once again and promised to personal follow up with me on XXXX, XX/XX/XXXX XXXX have recieve no communication with her whatsoever. 

XX/XX/XXXX : Fourth Attempt Called again requesting XXXX, spoke with XXXX who was ALSO unfamiliar with XXXX. She reached out to her Supervisor who was ALSO unaware of the XXXX and advised me to speak to the billing department once again. I explained that I have already done so along with all of my other attempts. Supervisor refused to get on the phone with me and advised XXXX to connect me with the Loan Servicing Department. The agent I was transfered to was ALSO unaware of the XXXX and said verbatim " this is not something we do in this department ''. XXXX assured her that this is the correct department and requested to get a Supervisor to assist. Agent advised that there are absolutely no managers or Supervisors working today and offered to give a callback. I advised them that I will be filing an official complaint and disconnected the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting a closed account as open. The account is a old account and should be removed. 
XXXX charged off this account back in XXXX XXXX 2015 and is reaging this account to show a negative account on my XXXX, Experian reports. Every month they 're aging the account to show a current delinquency on a charged off account. The amount charged off was {$19000.00}. I have tried to resolve this matter numerous times with XXXX to report this properly by removing this account. XXXX continues to inaccurately report data on a charged off closed account by reaging it. This is a violation under FCRA.
Product: Credit reporting or other personal consumer reports

The companies are reporting inaccurate and fraudulent information on my credit report. Submitted FTC reports which are attached below. Please complete a through investigation and have these items removed. Thanks.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of certain adverse credit information from my credit report. As a victim of XXXX XXXX, specifically debt bondagewhich falls under XXXX as defined by the XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ) I have incurred debts that are a direct result of this criminal activity.Per the guidance from the Consumer Financial Protection Bureau XXXX CFPB ), I am providing a picture ID, a bill, and a letter from an advocacy group helping me due to XX/XX/XXXX debt bondage.According to Section 605C of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), credit reporting agencies are required to block and remove any adverse information resulting from XXXX XXXX within four business days upon receipt of sufficient documentation. Furthermore, 12 C.F.R. 1022.142 mandates the immediate removal of such information. I have provided all necessary documentation, including a victim determination letter in accordance with 12 C.F.R. 1022.142 ( b ) ( 6 ). As only two forms of documentation are required by law, I trust that the enclosed materials suffice for this request. I also request the immediate removal of any negative accounts linked to my credit profile, written confirmation of these actions, and assurance that the negative information will not reappear on my credit report in the future that resulted from human XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account # XXXX account name : Dept of educationXXXX XXXX XXXX has violated my rights. Account # XXXX account name : XXXX XXXX XXXX XXXX has violated my rights and is not applicable to me and inaccurate. 
Account # XXXX account name : XXXX XXXX, has violated my rights and its not applicable to me and inaccurate. 
15 U.S.C 1681 section 602 A states that i have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. 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, credit repair services, or other personal consumer reports

Contacted my mortgage loan company on or about XX/XX/2020 about any programs available to delay payment of our home mortgage due to the Covid -19 issue. The PHH Agent said that they could do a forbearance for 90 days without reporting this to the Credit reporting agency 's. I requested information to be sent to my x-wife as she is a partner in our property. The info was to be mailed to the property address. About a week passed without receiving any correspondence. On the XXXX of XXXX I generated an email to PHH I had not received any correspondence. On XX/XX/XXXX I received an email stating that PHH records indicate the Forbearance Plan had been set up. Due to high volume there could be a delay. We did not request to be put on any plan only for information. On XX/XX/2020 I was alerted that my x-wife 's FICO dropped 52 points and when checking mine found it had dropped 62 points even though our mortgage payment for XXXX had been paid. On XXXX I spoke to XXXX  ID # XXXX and was told that a Supervisor from credit reporting would call me back in 24-48 Hrs. XXXX called back and said he was the Supervisor and there was nothing he could do and I should contact the credit reporting companies. I requested his Supervisor and have heard nothing.
Product: Credit reporting or other personal consumer reports

A charge-off from XXXX was previously removed in XXXX after I fully paid the account. However, it was illegally reinserted on my credit report in XX/XX/XXXX without notification. 

Under FCRA 611 ( a ) ( 5 ) ( B ), a removed negative account can not be re-reported unless I receive written notice within five days. I never received this notice. 

This is a violation of federal law, and I am reporting this to the FTC for further investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX, Equifax, and XXXX via phone, online, and by certified letters on many occasions in regards to the bankruptcy, the late reports from XXXX  XXXX, XXXX and XXXX. I have informed them that the bankruptcy and the late payments aren't associated with me and I have been fighting it since I noticed the inaccurate listing on my credit report. This listing is making it impossible for me to build an excellent credit history because it's being reported negatively. I have reached out to them stating the bankruptcy isn't mine and the late accounts have never been late with disputed them multiple times and nothing is being done. 

Also it should be noted that I filed a FTC complaint since my identity was stolen and my credit was checked without my permission last year. A fraud alert was placed on my account and XXXX XXXX XXXX was able to pull my credit report from Equifax on XX/XX/XXXX18 and nobody called to confirm if I was opening up a new account.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute specific unauthorized credit inquiries and collection accounts listed on my TransUnion credit report. I did not authorize these inquiries or recognize these collections, and I request an immediate investigation and removal of the inaccurate entries as required by the Fair Credit Reporting Act ( FCRA ). 

Below are the disputed items : Unauthorized Inquiries 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 XXXXXX/XX/XXXX Under FCRA Section 604 ( a ), inquiries are only permissible with my explicit authorization or under specific legal circumstances. I did not apply for credit with these companies, nor did I authorize these inquiries. If you can not provide verification of my consent, I request that these inquiries be removed immediately. 

Unknown Collection Accounts XXXX. XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I do not recognize these accounts and have no knowledge of their validity. Under FCRA Section 611, I am requesting an investigation into these accounts. If these debts can not be verified with accurate documentation, they must be removed from my credit report. Please provide proof of ownership, including signed agreements or contracts that link me to these accounts.

Supporting Documents To assist with the investigation, I have included : A copy of my government-issued ID A copy of a recent utility bill or bank statement as proof of address Resolution Requested I request that TransUnion : XXXX. Investigate and verify the listed inquiries and collection accounts. 
XXXX. Remove any item that can not be verified as accurate or authorized. 
XXXX. Provide written confirmation of the investigation results within 30 days, as stipulated by the FCRA. 


Thank you for your immediate attention to this matter. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A PROTECTED CONSUMER. i know my rights. i certify that this request to block was made NOT in error, and my request to block information was NOT based on a material misrepresentation, and i DID NOT knowingly obtain or should have known that i obtained possession of goods, services, or moneys as a result of one or more of the transactions that i am seeking to block. Under 15 U.S.CODE 1681c-2 you must block all fraudulent accounts. Since i attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized representative.
Product: Credit card

I opened a Destiny Mastercard with Concora Credit online on XX/XX/year>. I responded to an offer through the mail, followed their steps for the process. I uploaded a photo of my government issued ID for verification and was approved. I set up my account with them online and the site suggested adding the card to my XXXX wallet so I could use it while waiting for my physical card, so I did. I used the card a day or two later at XXXX website. When I signed in the next day to check and see if the information had been updated, I was locked out of my account. I called to find out what was wrong and they said my account was blocked due to fraudulent activity. To unlock the account I would need to mail or fax a copy of my ID. I faxed my ID to the number provided that day. I called a couple of days later and they said they hadnt received the fax yet? ( Faxes are generally as fast as a phone can dial ) I was told it could take 5 to 7 days and to call back in 3 more days. I did, no fax yet. When I pushed about what was considered fraud I was told it was unusual activity. On my first purchase? I waited a few more days and called again to check, still no fax. I was then told after they get the fax it could be another 2 weeks for them to verify. I tried to escalate it and talked to someone else who said he didnt know why my account was blocked that it was either the charge ( which shouldnt have been ) or changing my address online which I didnt do. He also couldnt remove the block on my card. 

It is now XX/XX/XXXX. I am being charged fees on a card I cant use. There are numerous complaints of the same thing happening to other people. This is a SCAM company, charging people for credit they cant access, while effectively losing their personal information!
Product: Credit reporting or other personal consumer reports

XX/XX/2023, XX/XX/2023, and XX/XX/2023 I contacted Experian, XXXX, and XXXX to dispute a late payment reported by XXXX XXXX account XXXX XXXX 

On XX/XX/2023 to request validation of debt. 
Experian XXXX and XXXX report to me the debt is valid, yet the furnisher XXXX has not ever given me disclosures nor notification of finance charges, nor statements required by law. 

I demand XXXX remove the late payment from my Experian, XXXX, and XXXX consumer reports. It is damaging and and unlawful.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cashapp ( Block , Inc. ) due to inadequate customer service and unfair practices, which violated the Consumer Financial Protection Act ( CFPA ). Specifically, CashApp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss. And I seek appropriate redress for these violations.
Product: Debt collection

In Violation of The Medical Debt Relief Act 2023, a " Statement : Placed for Collection '' With Credit Bureaus & My Credit Report, by MBA LAW Other Collection Agencies. 

The MBA LAW Other Collection Agencies, LAW OFFICE OF MITCHELL D. BLUHM and XXXX XXXX XXXX, XXXX TX XXXX, violated Section 2., Amendments Section 603 of the Fair Credit Reporting Act ( 15 U.S.C . 1681a ) and Section 605 ( a ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681c ( a ), The Medical Debt Relief Act of 2023 prohibits the inclusion of medical debt on a consumer report, and for other purposes.

SEC. 2. AMENDMENTS TO FAIR CREDIT REPORTING ACT. 
( a ) MEDICAL DEBT DEFINED.Section 603 of the Fair Credit Reporting Act ( 15 U.S.C. 1681a ) is amended by adding at the end the following : ( bb ) MEDICAL DEBT.The term medical debt means a debt related to, in whole or in part, transactions, accounts, or balances arising from the receipt of medical services, products, or devices.. 

( b ) EXCLUSION FOR MEDICAL DEBT.Section 605 ( a ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681c ( a ) ) is amended by adding at the end the following : ( 9 ) Any adverse information related to a medical debt, including a medical debt that was placed for collec- tion, charged to profit or loss, or subjected to any similar action.. 

( a ) DEFINITIONS.In this section, the terms cred- it and creditor have the meanings given those terms in section 702 of the Equal Credit Opportunity Act ( 15 U.S.C . 1691a ). 
( b ) REQUIREMENT.Not later than 1 year after the date of enactment of this Act, the Director of the Bureau of Consumer Financial Protection shall amend section 1022.30 of title 12, Code of Federal Regulations, or any successor regulation, to ensure that creditors are prohibited from obtaining or using information relating to the medical debt of a consumer in determining whether or not to extend credit to that consumer.Consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX
Product: Debt collection

William Rush associate called me and threatened me about taking me to court about XXXX XXXX  on my credit report which I don't owe them or XXXX anything. They called me from XXXX XXXX number and my mom just called me saying they called her and was very rude asking rude questions about me and not representing themselves properly
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fait Credit Reporting act XXXX  account XXXX XXXX XXXX XXXX XXXX XXXX XXXX violated my rights 15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 u.s.c 1681 Section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction
Product: Credit reporting or other personal consumer reports

Hello Equifax, I am facing such a difficult time in my life right now. I am experiencing my identity being stolen from me and used to my disadvantage. I am asking that you please remove all these fraudulent items from my report for they do not belong to me. Please also review each attached files below for they are very detailed but sensitive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I downloaded XXXX XXXX XXXX and paid for the services and found four accounts that have been opened in my name that wasnt opened by me. My identity has been stolen and Im not sure what to about it. I know the person thats responsible for three of the accounts so what do I do?
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I initiated two XXXX transfers from my Bank of America checking account to XXXX XXXX in XXXX NC and his wife XXXX at their respective accounts at XXXX  ( {$1500.00} ) and XXXX XXXX ( {$500.00} ) XXXX  for purchase of a personal item. 

After making the payment and while negotiating details of the shipment the following day XX/XX/XXXX, XXXX XXXX repeated denied receipt of my transfers and could not provide a valid document for the shipping service. Then I realized the risk of my getting scammed, hence would like to get a refund of total {$2000.00} which have already been deducted from my account balance.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I ordered a XXXX XXXX from XXXX website using my PayPalXXXX account for payment. Payment was made by PayPal to XXXX on the XXXX of XXXX. I have sent emails to the XXXX company and PayPalXXXX to indicate that I had not received the item, or even the shipment status, and was cancelling the order. PayPal responded that they would not refund me the payment and that I had to deal with the merchant. No response has been received from XXXX to date, XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 as I was applying for a mortgage loan I received a copy of my credit report done by Experian.My score was XXXX. It stated that I had too many inquiries last 12 months. I have not asked for nor applied for any credit and have told them not to acknowledge any request without contacting me. They also state number of accounts with delinquencies. I have no delinquent accounts and checked with my creditors to validate this. Too many accounts with balances. I only have XXXX homes which have never been paid late XXXX car which has never been paid late and a XXXX XXXX Credit card with a XXXX dollar revolving balance. I have told them to refrain from giving out my business and had a fraud alert at one time.
Product: Credit reporting or other personal consumer reports

Hi, I am authorizing this complaint on my behalf, I cant believe you guys are taking advantage of me. I am very upset. the credit bureaus have not responded back to me about my investigation. I sent a letter, its more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately