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

Im beyond frustrated that this is still going on. These accounts in pending litigation should never have been reported on my credit in the first place. Ive contacted you repeatedly, and despite my efforts, theres been no action taken to fix the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent letters to all 3 credit bureaus stating that i did not recognize any of the inquires on my credit report and dont know where they came from and i also explained my information was exposed in the data breach and forwarded accounts and inquires that were not done by me. when i call they say they dont have any of my paper work on file
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 INSTRUCTIONS
Product: Credit reporting, credit repair services, or other personal consumer reports

My car was total lost in the Florida flood on XX/XX/2023 and XXXX insurance paid my car off in full. It was never late. I contacted the merchant several times and provided them proof and still no updates.
Product: Credit reporting or other personal consumer reports

There is an account from XXXX that is not mine and is apprearing on my Equifax credit report. It doesnt showe up anywhere else. I have disputed it and it was deleted supposedly but its still there. Equifax even sent me results of the investigation saying it was deleted. For whatever reason, Equifax is extremely difficult to work with and seem to violate the laws rergarding credit reporting and consumer 's rights when it comes to erroneous or flase information in credit reports. I have spoken to an attorney and will be seeking litigation against this company if they continue to violate the FCRA.The account is XXXX ending in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

PNC BANK CARD SERVICES XXXX XXXX XXXX, PA XXXX 2012 XXXX Statutes of limitations of Pennsylvania have been expired.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reported to all 3 credit credit bureaus that I am a victim of identity theft. They refuse to remove fraudulent accounts from my credit profiles. I have never had a XXXX account, I have never lived at XXXX XXXX XXXX nor have I ever applied for a student loan. These accounts need to be removed immediately. 605B. Block of information resulting from identity theft 15 U.S.C. 1681c-2 ( a ) Block Except as otherwise provided in this section, 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 receipt by such agency of -- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Credit reporting or other personal consumer reports

UPON ME REVEIWING MY CREDIT REPORTS I DISCOVERED AN ACCOUNT ON MY REPORT THAT IS NOT MINE. I NOTICE ON XXXX I GOT A FTC REPORT TOO DISPUTE ITEM.
Product: Debt collection

Ed financial LLC has violated my privacy as well as my family. I have updated my information with this LLC. Somehow they took it upon theirselves to report my relatives address as mine. I just put in a report with the FBI last week. These companies hacking my family and my information. This is a very concerning situation. I fear for my safety as well as my family. Who know how far these corporations will go expose your information. My phone and computer is controlled while using it. Usually if Im making a report they will go as far as shutting my computer down, while its fully charged. You can hear them intercepting my calls announcing they are recording my calls. My family 's devices will shut off as well. all the settings on our services has been changed. All the settings on the devices are changed. All the cameras are on at all times. No privacy whatsoever. These people feel they are above the law, because the government give them that power to violate people. Im getting calls all day from people in other countries. Calls trying to sell me services. Some calls are just silence. I've asked numerous times for them to remove information that is not related to me. Information such as my name spelled various ways. Not my name at all, wrong social security numbers reported from this company. they will not change this information, because they have been illegally making securities from falsified information. They will not address these concerns, but they will keep talking about a debt that has been paid for numerous times from my Social Security Trust, illegal wage garnishments, intrest, bonds, etc. According to Edfinancial they have received a payment on XX/XX/year>. I thought maybe the balance was offset.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX Date Opened XX/XX/XXXXXX/XX/XXXXXXXX XXXX Date Opened XX/XX/XXXXXX/XX/XXXXXXXX Date Opened XX/XX/XXXXXX/XX/XXXXXXXX XXXX Date Opened XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than XXXX business days after the XX/XX/XXXX Ive already included this report in my previous letter & I am including it again. Also, the information you provided on the account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$680.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently went to check out a new car at XXXX XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and and approved for an extremely high interest rate. Which prompted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. I have reached out to the FTC and my local police department and I am doing this on my own behalf. These items need to be deleted from my credit report. XXXX XXXX XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX XXXX, XXXX XXXX, XXXX. XX/XX/XXXX. Inquiries : XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

To Whom It May Concern : Thank you for taking the time to read this letter, and I hope your day is going well. Im writing because I noticed that my most recent credit report contains late payments reported on my credit report for my XXXX Credit Card account. 

I want you to know that I understand my financial obligations, and if it werent for unforeseen circumstances Id have an excellent repayment record. I made a mistake in falling behind, but since then, [ description of how your circumstances have changed or how youve improved your money management ]. Since then, Ive had a spotless record of on-time payments. 

Im planning to apply for apartment, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payments. 

Thank you for your consideration, and I hope youll approve my request. 

Best, XXXX
Product: Credit reporting or other personal consumer reports

on XX/XX/XXXX i provided and submitted an Identity Theft affidavit along with all required documents through the CFPB portal under 15 U.S. Code 1681c2 - Block of information resulting from identity theft to Equifax consumer reporting agency and Equifax is intentionally and knowingly in non compliance and violating federal and state law the dispute is over 33 days old with no response or deletion refer to CFPB complaint id XXXX. So today I'm filing this CFPB complaint that you Equifax consumer reporting agency are reporting inaccurate and incomplete information. 15 USC 1681e ( b ) Compliance and procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e an original consumer contract with my signature on it ) that you have on file for the accounts listed below or a Certification from the creditor that certified the accuracy and completeness of the information/account. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me with a copy of verifiable proof, you must DELETE the account listed below. Please be aware that automated responses or e-OSCAR verification are unacceptable for addressing this matter. A detailed re-investigation and explicit disclosure of your verification method are required as per the statutory guideline. I demand that the following accounts be validated or DELETED immediately : XXXX XXXX opened on XX/XX/XXXX account number XXXX. Under federal law, you had 30 days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inacurrate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

Opened a HOME DEPOT.COM XXXX credit card and on XXXX XXXX XXXX charged a purchase for {$22.00} Received email with bill. I asked what is best way to pay. No response after several requests. 

On XX/XX/XXXX A late fee was added LATE FEE {$22.00} On XX/XX/XXXX PAY-BY-PHONE PAYMENT XXXX IL {$22.00} But only {$22.00} was actually paid. 

Stopped using the card. 

On XX/XX/XXXX statement read Minimum Payment Due {$46.00} Payment Due Date XX/XX/2020 XX/XX/XXXX statement does not show XXXX payment. 

Also not allowed to make full payment XXXX online through my bank. Only allowed if Autopay is selected. 

Have attempted to cancel card but no response. 

This HOME DEPOT credit card is deceptive and website is difficult to use .This in my mind constitutes predatory practices.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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, 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 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: Debt collection

DEFAMATION OF CHARACTER Notice of pending litigation seeking relief of monetary damages under FCRA Section 616 + Section 617. Final written attempt to amicably resolve your continued willful violation of the Fair credit reporting act regarding your refusal to delete all of the UNVERIFIED/INACCURATE account information from my consumer file. Despite my three written request items listed still remain on my credit report in violation of Federal law. In the results of your reinvestigation you stated in writing " VERIFIED '' that these items are being " Reported Correctly ''. You still have not identified who verified accuracy and how the accounts were verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second complaint about this company. My last payment to them was in XXXX. In XXXX, I was unable to log in, my account was locked. My monthly minimum went from {$55.00} to {$220.00}. I contacted the company and they are not willing to work with me. I've been harassed with phone calls 5 to 6 times a day. day and night, with one call being past XXXX XXXX. I was hospitalized for most of XXXX. I have been out of work and I would really hate to see my credit score drop. I have been working hard to better myself and they are not being helpful. I was shocked that they were expecting me to pay that much considering the circumstances. My minimum payment due keeps increasing and the fees keep piling up. Instead of my account balance going down, it keeps getting higher. The credit card company will not help. I've called several times and they keep hanging up on me. This account was closed. but the fees keep going up. I don't even have a card.
Product: Mortgage

I had been going back and forth with Wells Fargo home equity servicing, which had resulted in a notice of default being filed back in XX/XX/XXXX. when I received notice. i immediately contacted them to request for reinstatement and requested for a payment history and breakdowns due to the fact that it seems that they had the accounts mixed up and they would state that they have their research depart looking into my case and it took more than 2 months to provide the requested documents which turned out to still not be understandable breakdowns which didn't further break down my payments and what junk fees that were not disclosed. which after all of this. I was finally provided a statement in XXXX which is a completely revamped format which provides better breakdowns. but still does not break down charges from initial payments that I had made for the beginning of my repayment process in XX/XX/XXXX till XX/XX/XXXX. for a Fixed heloc. so now after being exhausted with the back and forth over 40+ calls I still think that they owe me for overpaying to reinstate my heloc.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit and found someone has opened an account in my name using my personal information I am a victim of identity theft. 

XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair or deceptive business practices which violate the Consumer Financial Protection Act. ( CFPA ) Specifically, Cash App 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. I seek appropriate redress and reconciliation for these violations.
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report and noticed an account I wasn't familiar with. I sent this company a debt validation letter on XX/XX/XXXX for the company to validate that this debt belongs to me. Under 15 u.s. code s 1692g validation of debt. This company failed to validate the debt with the required documentation and didn't respond at all. After 38 days of the letter being sent out this company started calling me to collect on the debt for the first time since the debt reported on my credit bureau. After i asked this company to cease and desist any communication per debt validation letter until the debt is verified. this company called on XX/XX/XXXXXXXX XXXX XXXX  after i asked to stop all communication via phone and response by mail.
Product: Credit card

Bank of america credit card account, back in XXXX, I had agreed with bank of america to be on a payment arrangement plan for 6 months, representative said {$210.00} per month for 6 months and that will put me in a good standing, all negative report will be updated and corrected, so I made payments in good faith for 5 months, and noticed that my credit report were still showing negative report XXXX days, then the 6th month they called stating representative made a error should have been XXXX per month, they apologize for that error, and now I 'm in the rear of XXXX, however if i make XXXX payment today that would stop them from charging off ... 
this is not my error, as i agreed on their payment arrangements and did make timely payments as agreed ... 
XXXX/XXXX/2016, they contacted my mother, who is not on my account, nor joint owner and disclosed all my information to her and tried to collect the debt, this is privacy act and my account should not been disclosed to any unauthorized person, under privacy laws, Bank of America violated my privacy. I want them to delete this account and file civil actions against them for discussing my personal privacy
Product: Checking or savings account

I went to chase bank couple weeks ago to go open an account and they told I already had an account opened in my name which I had no idea of. So in order to get into it I need a police report. I went to station the they telling to get a credit report.
Product: Credit reporting or other personal consumer reports

I recently discovered that my credit report contains incorrect personal information, which has led to the appearance of unknown and inaccurate accounts that I have no connection to. This has been affecting my creditworthiness and causing unnecessary complications in my financial life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter on XX/XX/2018 to Clark County Collections for verification of this debt that is on my credit report. It has been over 30 days and I have received ZERO communications back from this company. Per section ( 609 ) of  the Fair Credit Reporting Act I should have received validation and verification of this account within 30 days of my written request. Since this account was not verified or validated to be mine I would like this account to be deleted and removed from my credit report.