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

This allege account was disputed with allege original creditor XXXX XXXX and Equifax and they both failed to show how this allege debt was validated. I sent letter disputing this allege account requesting all documents and contracts XXXX has on file giving them authorization to report this account to my Equifax credit profile and no documentation was provided. I never received a response AT ALL. It is my rights under the fair debt collection practice act title 15 usc 1692 ( g ) to verify and make sure all item reporting to my credit profile are reported accurately and in fairness. XXXX XXXX and Equifax have both failed to validate this allege debt and I demand this account to be deleted from my EQUIFAX credit profile. A copy of this dispute will be forwarded to XXXX, IRS, and the US ATTORNEY GENERAL office for review.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX there is no XXXX  party involved in the filing of this complaint and this complaint has not been made in error. 

XXXX XXXX XXXX {$8400.00} XXXX XXXX  XXXX {$23000.00}
Product: Debt collection

AMEX XXXX XX/XX/XXXX {$44000.00} -- -- -- AMEX XXXX XX/XX/XXXX {$19000.00}
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. My information was used fraudulently and as a result I am seeing items on my report that I never was associated with. I filed an ftc report as I was instructed to by Experian. I have sent in this report but these fraudulent items still remain.
Product: Credit reporting, credit repair services, 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 name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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. XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX account # XXXX date XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - account # XXXX, account date XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - account, date XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX account # XXXX, account date XX/XX/XXXX, balance amount {$1000.00} XXXX. XXXX XXXX XXXX XXXX date XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX account # XXXX, date XX/XX/XXXX, balance amount {$1200.00} XXXX. Dept of Ed./ XXXX, account # XXXX, account date XX/XX/XXXX, account balance {$3500.00} XXXX. Dept of Ed. / XXXX XXXX, account # XXXX, account date XX/XX/XXXX XXXX. Dept of Ed. / XXXX / XXXX XXXX, account date XX/XX/XXXX XXXX. Dept of Ed / XXXXXXXX XXXX XXXX, account date XXXX, account balance {$4300.00} XXXX. Dept of EdXXXX XXXX XXXX, account date XX/XX/XXXX, account # XXXX, account balance {$4500.00} closed XX/XX/XXXX XXXX. XXXXXXXX XXXX, account balance {$1200.00}, account date XX/XX/XXXX XXXX. XXXX XXXX XXXX, account # XXXX XXXX. XXXXXXXX XXXX XXXXXXXX, account date XX/XX/XXXX, account balance {$230.00} XXXX. XXXX XXXX / XXXX XXXX, account # XXXX XXXX. XXXXXXXX XXXXXXXX XXXX XXXX account # XXXX, account balance {$720.00} XXXX. XXXX XXXX account date XX/XX/XXXX, account # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX, account # XXXX XXXX. XXXX XXXX XXXX, account date XXXX XXXX XXXX, account balance {$570.00}, account # XXXX XXXX. XXXX XXXX XXXX, account date XXXX XXXX, account balance {$3000.00}, account # XXXX XXXX. XXXX XXXX XXXX, account date XXXX XXXX, account balance {$2300.00} XXXXXXXX XXXX XXXX XXXX XXXX account date XXXX / XXXX XXXX, account balance {$590.00} account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX, account date XXXX XXXX XXXX, account balance {$120.00}, account # XXXXXXXX XXXX XXXX XXXX, account date XXXX / XXXX XXXX, account balance {$3000.00}, XXXX. XXXX XXXX XXXX  date XXXX / XXXX / XXXX, account
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am a Victim of Identity Theft and on XX/XX/XXXX, I became aware of multiple accounts opened in my name without my knowledge and/or authorization, after multiple disputes with the Consumer Agencies, on XXXX, XXXX, I went to file an Identity Theft Police Report and after several disputes, I was able to remove most of them, unfortunately, Equifax still remains the following accounts XXXX XXXX XXXX and XXXX XXXX XXXX XXXX on my Consumer Report and this is a formal notification that Equifax is in violation of multiple provisions under the FCRA, including but not limited to : *Failure to Correct or Delete Inaccurate, Incomplete, or Unverifiable Information ( 15 U.S.C. 1681i ( a ) ( 5 ) ) *Permissible Purpose ( 15 USC 1681b ( 2 ) ) *Block of Information Resulting from Identity Theft ( 15 USC 1681c-2 ) *Civil Liability for Willful Noncompliance ( 15 USC 1681n ) *Failure to Maintain Reasonable Procedures to Ensure Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) *Failure to Conduct a Reasonable Reinvestigation ( 15 U.S.C. 1681i ( a ) ) *Civil Liability for Negligent Noncompliance ( 15 USC 1681o ) If you do not initiate an investigation regarding my dispute AND DELETE this information within 4 business days of receipt of this notice per 15 USC 1681c-2, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Each violation of the FCRA allows damages of {$1000.00} should this matter be up in court. 

I have experienced significant emotional distress due to this matter, and it has severely impacted my mental well-being. Therefore, I feel compelled to escalate this issue and request a fair and equitable resolution.
Product: Money transfer, virtual currency, or money service

My Venmo Account is @ XXXX. 

I created an account on XX/XX/2024. I wanted to remain anonymous so I used a different name to sign up. I had received payment for a service and wanted to cash out. 

I tried to change my legal name via the Venmo app, but it was giving me errors from the start. I then contacted customer service multiple times and even provided proof of my legal name matching my bank account using bank statements and my drivers license. 

I talked to a customer service agent and Ive included screenshots of my chat transcript. They said that my account was still activeTHEN WHY CAN I NOT CASH OUT??? 

2 days later I get an email saying my account was suspended and that my funds were to be held for 180 days!! 180 DAYS IS THEFT!!!! 6 MONTHS!!!!!!!!!!!!!!!! I provided all the screenshots and supporting documents I could to identify myself!!!! 

Venmo is stealing peoples money keeping it locked for days and months on end. How is this even legal its beyond my imagination!!!! 
Its time to put a stop to Venmos lack of disclosure of whats happening with our money behind the scenes!!!! 

THEY PROVIDED NO REASON ON WHY THE ACCOUNT WAS PERMANENTLY BANNED!!!!!!!
Product: Mortgage

To whom it may concern, It is NOW ALMOST 5 YEARS since i asked CHASE for help to avoid foreclosure. 

All they keep doing is play games with me since 5 years ago, i have hired 4 different real estate agents from different offices to get my short sale approved and every time that we get close to get the CHASE approval. CHASE keeps playing games stating that they can not work with my realtor because the investor of the loan which is CHASE doesn't feel comfortable with the agent. 

So 45 days when we were ready to finalize this short sale application, CHASE again told me that my short sale was approved but i needed to get a new realtor otherwise they deny the application. 

So i did i hired a new realtor and 2 weeks later on XX/XX/2018. CHASE sent me a letter stating that my short sale application was denied because ANOTHER LIEN HOLDER DIDNT AGREE TO RELEASE THEIR LIEN ON THE PROPERTY. 

Which it was a lie since there is no other liens against my property. I am very upset and tired of CHASE playing games with me it is ALMOST 5 YEARS trying to get this short sale finalized and all they keep doing is playing games with me. 

PLEASE HELP. 


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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

It has come to my attention that the inquiry referenced herein has not been REMOVED despite being accompanied by an FTC fraud report # XXXX. This marks my third complaint, where I am a victim of identity theft, and I have raised concerns regarding the inclusion of this inquiry in my file resulting from the crime. The disputed inquiry is unrelated to any transactions involving the acquisition of goods, services, or funds that I have initiated or authorized. Kindly expunge the record of this inquiry from my credit file, which stems from an alleged identity theft. Additionally, I have enclosed the new FTC report # XXXX, recently filed for your reference. Kindly proceed to remove this outstanding inquiry from my credit file : EXPERIAN : XXXX XXXX XXXX XXXX
Product: Mortgage

This is a follow up to CFPB Case number : XXXX. I have recently the house in that case at XXXX XXXX XXXX, XXXX, XXXX XXXX. I overpaid the lien holders, XXXX XXXX/SLS, by approximately {$300000.00} and they ignored my written inquiries during the closing process to settle the matter. I only received {$25000.00} at the time of closing and am expected to pay estimated taxes of between {$160000.00} to {$200000.00} to the State of XXXX next year after consulting my accountant. The original loan amount was {$520000.00}, and they walked off with XXXX. I expect to declare chapter XXXX as a result of their usury, predatory lending and blatant fraud. I should have walked away from the property and let it be sold at sheriff sale, then I would not be facing bankruptcy and excessive taxes for monies XXXX and SLS took from me. If it were to be sold at sheriff sale, they would have received less than the $ XXXX, instead, they walked off with, after taxes and insurances, more than $ XXXX of predatory interest and excessive fees.
Product: Credit card or prepaid card

I placed a fraud claim on my account on XX/XX/2019. the credit card company has stated that they have refunded my money but now I can not access my account online or through the app and my current card does not work. I was told on XX/XX/2019 that I was being sent a new card but I have not recieved one yet. I have no way of accessing my account at this time and the company has not responded to assist me. I was able to access my account 3 days ago through the app.
Product: Mortgage

I received a Verification of Mortgage today, XX/XX/XXXX which indicates " Number of Times past due -1 '' which is not correct ( See document attached ). 

I was approved for a Forbearance Plan for two months of XXXX and XX/XX/XXXX, and then I was approved for an extension for another one month for XX/XX/XXXX XXXX See document from XX/XX/XXXX, and a letter from XX/XX/XXXX attached ). However, these three months, or 90 days, in the Verification of Mortgage stated as " past due ''. 

Home Point Financial failed to comply with the Forbearance Plan Terms : " As a result of not making any payments on your mortgage during the term of the Forbearance Plan, we will suspend reporting any delinquency ''. 

This is my second complaint to CFPB about Home Point Financial issues. The first complain resulted in the correction of my statements and my outstanding principal balance. In their response to CFPB Case on XX/XX/XXXX Home Point Financial states all the steps of my mortgage history with them, including approval for the Forbearance Plan for two months and an extension for one more month. ( See document attached ).
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and found several mistakes related to billing. The late payments mentioned do not match my usual payment history. Please correct these discrepancies and update my account.
Product: Debt collection

I was admitted to the hospital and the finance department failed to inform be before discharge that I had a copay. Hospital did not have current address on file thus unable to provide documentation describing the amount in question. {$100.00}. The amount was paid and I am disclosing receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had XXXX double your credit limit credit card and good standards for over a year and 2 I suffered financial hardship due to covid 19 Upon moving from my prior residence I missedplaced and lost a lot of personal information social security numbers current numbers identity photograph copies and have been suffering from identity theft and fortunate accounts me and open open without my authorization I reported my XXXX credit card lost via customer service representative over the phone and was told I would be receiving a replacement card in a few days I was also told that I would be unable to assess my account due to the card not yet being generated and the card number is actually the account But that is needed to register and pay online I never received credit card as of XX/XX/XXXX And despite my numerous attempts to contact customer service and have another card sent it has yet not happened and I am I'm unable to assess account I since put a freeze on my card and modify credit protection upon upon doing so XXXX credit card closes my account without fire or any notification and and costly submits the link with reports to the credit bills regarding a account that I have no XXXX to and have not used in the past few months I am being Penalize for situations But I have no control over due to the delinquent reports I am suffering hardship trying to find gamefoodefine gainful employment To my credit worthiness I have had my credit score decreased by XXXX points in the last few months due to fortunate activity and despite my submittance of a balance of a balance disputes and We finance and request I am being denied or ignored and my credit is being affected
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I recently received an updated copy of my credit report dated XX/XX/2022 through my XXXX XXXX XXXX services and noticed 40 inquiries on each of my 3 bureau credit reports that I did not authorize or consented to which is a violation of my rights to privacy. These inquiries are highly injurious to my credit and my ability to borrow. Furthermore, I suspect that I'm a victim of some sort of Identity Theft due to the fact that I lost my wallet a couple of years ago at the XXXX XXXX here in XXXX NC. I contacted Experian on XX/XX/2022 and informed them of my findings. I explained to the representative that I may be a victim of ID Theft. The Representative stated that I should file an FTC ID Theft Report and send that to all 3 bureaus including Experian, XXXX, & XXXX which I did on XX/XX/2022. Please see a copy of this FTC ID Theft Report attached.
Product: Debt collection

this is company is reporting a debt that is not mine on my credit bureau I have ask several times for them to remove it and they refuse.
Product: Credit reporting or other personal consumer reports

SINCE XXXX I HAVE BEEN FIGHTING AGAINST ID THEFT. THERE HAVE BEEN MULTIPLE ACCOUNTS AND INQUIRES THAT HAVE DISPLAYED ON MY CREDIT. WHEN CONTACTING THE CREDIT BUREAUS AND REFRENCING 605B THE INQUIRES STILL REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and CFPB are unresponsive to my complaint. I keep sending numerous sets of letters to Experian so the excuse of we didn't get it '' doesn't happen but then nothing happened. It seems that they tend to ignore the trend and let this account affect my credit score. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please remove the late dates from this account : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 Section A. States I have the right to privacy. 15 U.S.C 1681 Section 604 Section 2 states a Consumer reporting agency can not furnish a account without my written written instructions. I am motivated to seek deletion/ removal of this account.
Product: Mortgage

The Seterus billed for {$860.00} due for XX/XX/2015 which I paid on XX/XX/2015 as of XX/XX/2015 they still show me past due for XX/XX/2015 I have talked with XXXX different people with no help. I ask to talk with a manager they refused. I also ask for an escrow updated which they never sent. This company does n't know how to service a mortgage loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

i sent letters to all Credit reporting agencies below to remove inaccurate information on my credit report. Haven't received a response
Product: Credit reporting or other personal consumer reports

Dear JP Morgan Chase, it has been brought to my attention that you all have been sharing my personal information with XXXX which are not any of your affiliates that are listed in your Disclosure Brochure. I Also have Proof from the Disclosure Brochure that I uploaded with my statement. Sharing personal information includes NAME/DATE OF BIRTH/ADDRESS/SSN. You Sharing My Transaction history and Payments are Illegal and against the law & policy according to 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bankruptcy has been over 10 years and still showing on credit report. Please remove and update my credit report by removing and updating all three credit reports to show accurate information. 
Thanks. 
Type : Chapter XXXX Bankruptcy Name : U.S. Bankruptcy Court Filed On : XX/XX/2012 Updated On : - Verified On : - Status : Discharged
Product: Debt collection

Acct # XXXX, I am NOT the primary on the insurance. Incorrectly identified as primary by the hospital and by HCI collections. HCI continues to say that I am the primary but they have no evidence of it because it's impossible.