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

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX Date of Birth : XXXX XXXX Social Security Number : XXXX There is a tax lien on my credit report with XXXX and Transunion that should not be reported. I have attached the documents showing paid. 

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

To Whom It May Concern : This is the third time I have contacted your agency regarding the following information below. I am requesting that you promptly delete these addresses and inquiries immediately. I do not believe a proper investigation was done from my file through your office. I would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice.

This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply.

My name is XXXX XXXX XXXX S.S. XXXX Please remove all other name variations IMMEDIATELY. They are not accurate. 

MY CURRENT EMPLOYMENT INFORMATION IS : RESIDENTAIL APPRAISAL My current phone number is : XXXX XXXX The following phone numbers are not wrong please delete : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Also, my current and only address is : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX HAVE RESIDED HERE FOR 3 YEARS ( XX/XX/XXXX-XX/XX/XXXX ) YEARS All other addresses are not accurate. Please REMOVE/DELETE this address IMMEDIATELY : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, 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

According to the FCRA, income should not be reported on a consumer credit report. However, I have discovered that both TransUnion and XXXX have erroneously included a canceled debt as income on my credit report. As per the guidelines set forth by the Internal Revenue Service ( IRS ), a canceled debt should be reported as income. I have attached a copy of the 1099B form that clearly states this and serves as proof that the canceled debt is considered income under the IRS guidelines. XXXX AND TRANSUNION are reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I have made multiple attempts to have this inaccurate information corrected by contacting both TransUnion and XXXX directly. I requested proper validation and what method they used to validate. However, despite providing them with the necessary documentation and following their dispute procedures, I have not seen any resolution or correction on my credit report. 
I kindly request the assistance of the Consumer Financial Protection Bureau in this matter. I believe that TransUnion and XXXX 's actions are in violation of the FCRA, specifically regarding the reporting of income on a consumer credit report. I would greatly appreciate it if the CFPB could investigate this case and take appropriate action to rectify the situation. 
attached is my photo ID and a copy of the 1099B form that clearly indicates the canceled debt should be considered income and not reported on a consumer credit report. 
I look forward to your prompt attention to this matter and hope for a resolution that aligns with the FCRA guidelines. Thank you in advance for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 Acct without my written instructions.
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 Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting me as late but my payment has been made and credited to my account.They are still showing me as owing over the credit limit but my bill is current.
Product: Credit card

I have been a long time American Express credit card member. On XXXX XXXX, 2015. I received an American express Delta Sky Miles Offer Credit Card. The outside envelope has My Name and Address printed. Inside the letter, it has credit card offer for another individual with promotional code and address printed on the offer letter. I have other customer 's name, address and credit card invite code. This is not only exposed the other customer 's private information and may cause an identity leak. I also want to find out who has my credit card invite.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. These accounts are a result of this crime. These fraudulent accounts, inquiries and addresses need to be blocked and removed. I have no knowledge of these accounts, inquires and addresses. XXXX XXXX XXXX Accounts : XXXX XXXX XXXX {$23000.00} XXXX XXXX XXXX {$31000.00} XXXXXX/XX/XXXXXXXX {$3600.00} XXXXXX/XX/XXXX XXXX {$1000.00} XX/XX/XXXXXXXX {$950.00} Inquiries : XX/XX/XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX,XX/XX/XXXX XXXX
Product: Debt collection

On or about XX/XX/XXXX, I wrote a debt validation letter to the company, Designed Receivable Solutions. On XX/XX/XXXX, they sent me a letter to validate the debt with a copy of my medical records. This is a clear illegal violation of my XXXX rights. I am motivated to sue them at this point.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with the federal law and provides consumers with the necessary proof of investigation.

Here are the accounts I have marked as inaccurate : Current - secure credit card
Product: Checking or savings account

I have been a customer of Wells Fargo for years, dating back from XXXXThe following accounts consisted of ; Wells Fargo Savings XXXX Credit Card XXXX Check account XXXX I have been a victim of their unfair practices with being charged overdraft fees on my debit and ATM withdrawals, as well as had money unfairly " frozen '' from my accounts as well as having products added to my account like credit monitoring service that I did not approve. I have contacted Wells Fargo many times throughout the years but have not received any help regarding this matter. I am eligible for the payout and I have not been contacted or received help from any of the representatives when I call the toll number. This has caused me some much stress and XXXX I just want the company to make this right as they have stated on their website but they has yet to do so.
Product: Credit reporting or other personal consumer reports

My repeated efforts to correct the fraudulent, inaccurate, and misleading information on my consumer report have been unsuccessful. These erroneous entries have severely disrupted my life, leading to considerable XXXX. I must emphasize that I never gave permission for this information to be linked to my identity, as I am a victim of identity theft.
Product: Mortgage

Land was inherited before father 's passing in XX/XX/2020 tried contacting the bank and his wife to see what I could do to see if I could take over anything owed on property and taxes if owedbi even gave labor and money to his wife to help keep property I would call them and wouldn't answer calls and wouldn't respond if property could be transferred into my name to avoid any problems with my kids living situation never received any letters for court and had a judgment ruled against me for eviction and a letter saying I owed 0 for property from court now I came home to a letter of eviction backdated to when I was served it and never gave any notice to anything besides the eviction and the bank is not even correct on paperwork
Product: Debt collection

I received a letter from Sallings Financial Group dated XX/XX/XXXX. I sent them a letter back on XX/XX/XXXX informing them this is not a valid debt. The letter was sent certified with return receipt. I then checked my credit from all XXXX agencies. They showed this invalid debt on my credit report. I showed proof that the Sallings Financial never followed up in the 30 day window to show proof of debt. All 3 credit reporting agencies removed the invalid debt. I again sent Stalling Financial Group a letter explaining this and informed them of their illegal activities. I then received a letter dated XX/XX/XXXX. They are trying to refresh the date of them sending me the debt request. I have sent them a final letter to cease and desist. 

They are not following the law. I do not own this debt. I live in Florida and the debt is on a house in Georgia, that I do not own.
Product: Debt collection

I found out via my credit reports that there was a collection account being reported to my otherwise perfect credit. I had never heard of this collection agency and never heard of the medical practice that was referenced in the credit report. I was a victim of identity theft and reported this to the credit bureaus plus the dispute of this foreign medical debt. Ive never received any notice of any bill or collection from this company - ever. I called the collection company to dispute this with them, but paid the extortion monies to repair my credit ( even though I still have no idea what this debt is or who these people are ).
Product: Checking or savings account

I have had several incidents with  Key Bank  where they take the debits before the credits on the same day. As I have looked over my statements, they have done this for years, I just did not know the law. When I caught this finally in  XXXX  o f 2017 th ey refunded  XXXX   ( 3  XXXX   XXXX  ). Yesterday it happened again, a deposit and check on the same day. It appeared online as they both went through yesterday a deposit of  XXXX  and a check of  XXXX . They charged me  XXXX  fee. I deposited at  XXXX  ish and the check had not yet went through. They said its all timing. So my total deposit was n't ready until this am and the check went through sometime after  XXXX   XXXX .     I called corporate and talked with  XXXX  who told me I have to try and get the refund back from my local branch.     Completely frustrated.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts listed are not my accounts. I was a victim of identity theft. I have provided my correct personal information and I am submitting my personal documentation. I can assure that I am not a credit repair company and or a mortgage company. Please remove those bad items from my reports. Thank you.
Product: Credit reporting or other personal consumer reports

These items are not correct and are causing me financial and emotional distress because of their derogative nature. The listed items below are completely inaccurate and must be corrected. It is my understanding of the law that you are required to complete your investigation within thirty days. I am awaiting your response. The following items must be deleted : XXXX XXXX XXXXXXXX XXXX, XXXX OF XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX and XXXX OF XXXX XXXX. You're reporting this account erroneously. This is an error and inaccurate information must be removed from my credit file.
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 practices, which violates 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, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft, Incident # XXXX, XXXX Police Dept. Many accounts were opened in my name fraudulently between XXXX-XXXX. Due to the ID Theft I had to close by bank account a few times and also I had to get a modification. The company told me to not make any payments until the modification was complete. I would like to start an investigation on the following account : XXXX XXXX XXXX Opened : XX/XX/ Amt. XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I mailed a dispute letter to TransUnion requesting an investigation into inaccurate items on my credit report, as well as incorrect personal information. I took care to include a copy of my photo ID, social security card, and recent bill with my current address to assist TransUnion in verifying my identity and address. 

However, I received a response from TransUnion dated XX/XX/year>, stating the following : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. 

According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. It is evident that TransUnion failed to fulfill this obligation by refusing to conduct the investigation despite receiving my dispute letter and accompanying documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a balance showing on my credit report for a mortgage I had with CIT Bank N.A.. This property was sold in XXXX of 2016. The property address is XXXX XXXX XXXX XXXX XXXX NC XXXX The balance showing is {$27000.00} I have made numerous calls to this bank and no one can ever find this loan. I have given them my SS # to try and locate the loan and no one has ever been able to help me.
Product: Credit reporting or other personal consumer reports

please delete the following accounts and inquiries. i recieved emil from the bureaus saying there is a 3rd party? no this is wrong i'm the one who send all my letters. please make an action regarding this matter. i sending my dispute several times. please delete this time or i have no choice to sue! here 's the list of accounts XXXX to be delete Account Name : XXXX XXXX XXXX. 
Account Number : XXXX Date XXXX Balance : {$0.00} Account Name : XXXXXXXX XXXX Account Number : XXXX Date XXXX Balance : {$960.00} XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : 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. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter by certified mail to help establish a legal recourse. If you choose to not block the account listed below which is reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law. 

XXXX XXXX XXXX XXXX
Product: Debt collection

In accordance with the Fair Credit Reporting Act XXXX XXXX  number # 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 also states a consumer reporting agency can not furnish an account without my written instructions
Product: Checking or savings account

Hi, NOVO Bank wouldn't allow a transaction to go through and flagged it as a fraudulent charge and it wasn't. I've had charges from XXXX using that account. 
I am unable to call them, I can only email and now they won't respond. I asked them to update the phone number on the account because it is a business account and I no longer have the business number or address. I couldn't log into the account because the verification is going to that phone number. If they had never blocked that charge, I could have updated everything myself. I verified the last deposit and asked them to either allow me access to the account and take the freeze off or mail me a check and close the account. It's been about a month and they have done neither and won't respond. I really need my money out the account. They have no right to keep it all because I had my phone number changed. I sent a photo of myself holding my license so they know that I am the account holder.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  debt continues to show up on my credit when it was closed and removed before
Product: Credit reporting or other personal consumer reports

NAME : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX KY XXXX SSN : XXXX TRANSUNION CONSUMER SOLUTIONS XXXX XXXX XXXX XXXX, PA XXXX Dear TRANSUNION This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed a FTC complaint which is attached. There are accounts on my report which do not belong to me.

All required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency.

In addition, I demand the following fraudulent Inquiries be deleted from my credit report immediately.

Please remove the following unauthorized hard inquiries from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Sincerely, XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, and again on XX/XX/year>, I wrote Equifax letters asking them to remove the following accounts due to the Inaccuracy/Not mine. Here is a list of the Accounts As follows : XXXX, XXXX, XXXX and XXXX, None of the accounts are ( Accurate/not my accounts ) yet Equifax continue XXXX Update them and allow the accounts to remain on my credit Profile. I cited law XXXX which state if account isn't 100 % accurate it must be removed, which means all the accounts listed above should be removed immediately. In the last letter mailed on XX/XX/year>, i ask XXXX to show me their XXXX of XXXX. In this letter I ask to see hard evidence such as : The date Equifax Contacted the Creditor, The XXXX XXXX XXXX, the name of the person who Verified the item, the Method of communication that was used to verify the information, and did the address match up to mine on Credit report? If any of this information can't be verified Equifax must Remove items according to law.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account with capital one is too old to stay on credit report and they are taking advantage of dates to keep it on my report longer than 7 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX says that I opened an account with them and I never did. The address that they supposedly sent items to was sold 3 years ago and I moved out of 5 years ago. I have discovered the charges twice and they state the charges are legitimate. The email address associated with the account is not mine.
Product: Mortgage

I was denied a loan modification from Wells Fargo in XXXX of 2015 because they supposedly reviewed my application and said that they could not modify my monthly payment to anything lower than I was currently paying. Since I ca n't afford my current monthly payment they told me there was NO WAY they could qualify me for a modification XXXX XXXX or and IN-HOUSE modification. I went on the XXXX website for XXXX and althouth I know this is not official, I qualified for a {$500.00} reduction in my overall monthly payment.
Product: Credit card or prepaid card

I am really confused as to how I was reported late and I found out a charge was added to my account on a card that I never really use. I got an alert that I was reported late and I immediately paid the card. I am not sure how I overlooked this and can assure you that it was an isolated incident. This was a business credit card with XXXX  and I travel a lot for work so this might have slipped through the cracks. I have never had a late payment ever, I have had perfect credit for years and because of this charge added to my account that I was unaware of, it has changed. I can promise you that this is not like me and I really need your help.
Product: Debt collection

The collector needs to prove that this debt is accurate with records of the debt, that this debt can survive collection that they own this debt, and the extent to which they can collect. Without it, it must be removed. The accounts are XXXX XXXX, MIDLAND CRED XXXX - the collection amount is {$1600.00}, The original creditor is XXXX XXXX XXXX and I do not have an account with this bank. This is not my obligation