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

This is my FUTHER endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to 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
Product: Money transfer, virtual currency, or money service

I'd like to link my PNC debit card to my XXXX  account but PNC has blocked links to XXXX.
Product: Credit reporting or other personal consumer reports

Experian is allowing XXXX to report false payment history on my credit report. UPSTART IS ENGAGING IN PREDATORY LENDING PRACTICES IN DIRECT VIOLATION WITH FDCPA. I HAVE PAYMENT RECEIPTs FOR XXXX AND XX/XX/year> PAYMENT. XXXX has received double payments ahead of due date in XXXX for XXXX and in XXXX for XXXX and XXXX.
Product: Debt collection

I have reached out to this company over the past several years trying to resolve this debt but to know XXXX I clearly stated to them that I was a part of the XXXX  XXXX data breach and that this debt is not mine I have never made a payment to this company ever they falsely reported that I made a payment from a secured savings account I never did I asked them to send me a complete payment history of this acount to see when and what method the alleged payment was made they never sent it and they are reporting this account wrong on my consumer report thats a direct violation of the XXXX also they listed the account as unsecured but they said I made a payment from a savings account that I had secured with them, I see they have charged this account and have received tax credits from the XXXX but they want give me a XXXX so I can file it with the XXXX  so that Ill be in total compliance with all tax laws and I have reached out to them on several different occasions but to no XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i contact Equifax XXXX XXXX, XXXX by mail by phone many times all this negatives should not be on my name i sent the credit Bureaus letters asking them to verify the on my report.the have sent it back stating that everything is verified correctly. my credit report is still showing inaccuracies 15 U.S.C 1681s-2 AX1 A person shall not fumish any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that the information is inaccurate, i hpe this get remove only Equifax did remove the public record but i still heavy other things its not my XXXX XXXX  did not removed yet, XXXX needs to remove the Public record please im asking CFPB for help again thank you
Product: Payday loan, title loan, personal loan, or advance loan

Filed in court using incorrect address XX/XX/XXXX ( complaint ) XX/XX/XXXX ( request for default ) XX/XX/XXXX ( application for wage execution )
Product: Credit reporting, credit repair services, or other personal consumer reports

My Chap XXXX bankruptcy was discharged XX/XX/20. The discharged status has not been updated on my Transunion credit report. I disputed the information through XXXX XXXX and it came back verified and they didn't update the status.
Product: Credit reporting or other personal consumer reports

Names to be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Addresses to be Removed : Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, AR XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AR XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AR XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, AR XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, AR XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AR XXXX Employer to be Removed : Employer : XXXX XXXX Employer : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE HAD MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAs. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Checking or savings account

I am respectfully seeking your protection against the XXXX XXXX XXXX violating my banking rights, in disregard for the XXXX. guidelines. Thus, XXXX XXXX XXXX  discriminates against a senior citizen, like I, because I do not possess a mobile devise but am using a desk phone without a built-in camera. 
On XX/XX/year>, XXXX XXXX XXXX has opened my savings accounts and accepted my deposits. After getting hold of my funds, they decided to verify my identity by requesting that Id scan my state driver license with my mobile device. Since I do not possess a mobile device, I have explained this fact verbally and in writing to the Office of their CEO. But, as of today, my complaints remain ignored and unsolved. 
Furthermore, instead of offering me an alternate method for identity verification, the XXXX XXXX XXXX has abusively XXXX my Sign-In to the online account. Thus, I'm unable to access my deposits online. 
Moreover, such violation of my banking rights the XXXX XXXX XXXX is disguised as a simple glitch. Thus, for the last XXXX months, every single time I am trying to Sign-In to my online account, I keep getting the same deceitful message : " Looks like something went wrong, try again ''. 
I hope you could order the XXXX XXXX XXXX  to immediately enable my online Sign-in, so I could access my deposits at their XXXX XXXX XXXX 
Thanking you for your kind attention to this matter, I remain yours, Truly, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of identity theft resulting from a recent data breach. I am requesting that you block and delete all fraudulent accounts and inquiries associated with my credit file, as permitted under 15 USC 1681c-2 of the Fair Credit Reporting Act ( FCRA ).

Attached to this letter, you will find the following documents to support my claim : A copy of my government-issued identification ( e.g., driver 's license or passport ) A copy of a recent utility bill or other proof of address A copy of the Identity Theft Report filed with [ name of law enforcement agency ] A list of accounts and inquiries that I believe to be fraudulent Please take immediate action to block the information identified in the enclosed documents from my credit report and delete it permanently, as required by law. I also request that you provide me with a confirmation letter detailing the actions you have taken. 

If you need any additional information or documentation to process this request, please contact me at [ your phone number ] or [ your email address ]. 

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

Hi CFPB Team, I submitted disputed for a collections account that is inaccurately reporting on my Equifax, XXXXXXXX, and XXXX profiles. I am using this complaint center so that there are additional eyes on the process from the bureaus. It is my hope that my account is corrected as I am in the process of purchasing a new home and this is hindering my chances to qualify for a lower interest rate than the one I've received. 

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

XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX .... reported to the Equifax that I applied for credit in which I never applied for. They have violated my rights to have a fair and accurate information on my credit report.
Product: Debt collection

XXXX XXXX is listed on my 3 Credit Reports with different dates, and amounts this is fraudulent identity theft and needs to be deleted immediately they are not Accurate and need to be deleted from all 3 reports it violates my consumer rights and reporting laws All consumer reports must be lawfully ACCURATE or be deleted these are NOT!. Delete these immediately and update my Consumer Reports today. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously disputed XXXX XXXX a collection account on all three credit bureaus the debt got sold to another company and the same dispute for all three credit bureaus and only XXXX removed it from my credit report and not TransUnion or XXXX and they said it's fair credit reporting act if this is the case then why did only XXXX remove it and not TransUnion or XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I received a notice from XXXX XXXX asking if I had closed my Discover credit card account. Since my daughter was graduating from the XXXX XXXX XX/XX/XXXX to XXXX, I logged in to my Discover account online and everything appeared fine. Today, I decided to call Discover to make sure that everything is okay. The representative that I spoke with confirmed that my account was indeed closed and that a letter was mailed to me on XX/XX/XXXX asking me to do something to avoid closure of my account. I never received this letter. When I asked how this can be resolved, I was told that I needed to reapply for the card. 

1. Why didn't Discover send an email and/or text to follow-up? 
2. Why am I still able to log into my account which appears fully active and states nowhere that it is closed? 
XXXX. Why should I have to reapply for a card and put a hard inquiry on my credit score for poor customer service? 

I have this card for my daughter to use in cases of emergency. I am not happy and my account is in excellent standing with Discover.
Product: Credit reporting or other personal consumer reports

am very concerned because my credit reports are showing discrepancies. I am a very concerned consumer and want only true information about me reporting. I have highlighted all the discrepancies. Please remove this inaccurate information as you are in violation. 
72 and remove them permanently
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sold my home due to a divorce and closed on the property on XX/XX/XXXX. I am in the process of trying to purchase a new home and had a credit report run to see what I qualify for. The report came back with a late payment showing in XXXX, XXXX, and XX/XX/XXXX. I do not understand the late payments that were reported to the credit bureau in XXXX and XX/XX/XXXX as the loan was paid in full on XX/XX/XXXX ( I have wire transfer confirmation ). 

Loancare took over my previous mortgage with XXXX, as XXXX went bankrupt. The change took place and paperwork was sent out in XX/XX/XXXX. I tried to make a payment for XXXX, but Loancare was working on setting up the new account and said there was a 60 grace period, so I sent my payment to XXXX thinking this would be forwarded to Loancare because I did not want to miss a payment ... this never occurred, so my payments were always a month behind. I was in close contact with Loancare monthly and kept them up to date on the progress of the sale of the property. I was always told that everything on the account was fine and to let them know when the sale happened, which I did. I have dates of payments made on the account from XXXX XXXX ... they are as follows : XXXX- {$450.00} posted on XX/XX/XXXX and {$450.00} posted on XX/XX/XXXX XXXX {$450.00} posted on XX/XX/XXXX XXXX {$900.00} posted on XX/XX/XXXX XXXX {$900.00} posted on XX/XX/XXXX XXXX {$900.00} posted on XX/XX/XXXX XXXX {$900.00} posted on XX/XX/XXXX XXXX transfer was made on XX/XX/XXXX for full remaining balance. 

I had reached out to XXXX XXXX/Loancare early XX/XX/XXXX to let them know about the incorrect late charges on my credit report and I had to escalate a dispute to the credit department per email, which I did. I was told I would have an answer the end of XXXX, which I did not. I called several other times to speak with the credit department, but apparently they do not take calls or have a phone number. So, I finally spoke to a manager that said I may not have an answer until the end of XXXX, which was true. I received a letter on XX/XX/XXXX that said the dispute was reviewed and the info submitted to the credit bureau was accurate. I immediately called back to discuss and again, no way of speaking with anyone. This has affected my ability to purchase a new home as I can not have three late payments reported. Again, I can understand the report as late for XXXX because of the missed applied payment, but not for XXXX or XX/XX/XXXX as the loan was paid in full on XX/XX/XXXX. Can you please assist? I would greatly appreciate the help!
Product: Debt collection

I am not liable for this debt with charter communications, I do not have a contract with XXXX XXXX XXXX, they did not provide me with the original contract as i requested. This is not a duplicate complaint this is a new complaint about a second account fraudulent reported by The same company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Problem : Capital One sent negative status ( unpaid bill ) to all credit reporting agencies w/ incorrect balance of {$220.00}. My account was paid in full on XX/XX/XXXX ( {$140.00} ). 

History : XX/XX/XXXX : My online account requested security confirmation for access. I could not use my phone on file - since it was inactive. Fraud Protection Rep was unable to send a security text to my valid cell phone. After providing many key personal information rep still refused to give me online access. I refused rep 's final option to send him my photo ID so I closed my account. Rep AGREED - but FAILED to mail my final bill statement to my address ( on file ) - as I requested. 
XX/XX/XXXX XX/XX/XXXX : I made four calls to Customer Service. My account was blocked & I was transferred from one rep to another. After providing many key personal information to a Specialist Rep - the rep again refused to send me my bill to my address ( on file ) per my request. A CS Supervisor finally AGREED to mail me my bill - but in my opinion - was prevented from doing so. 
XX/XX/XXXX fax & mail : I faxed & mailed four complaints to Customer Service & Fraud Protection Depts. 
~XX/XX/XXXX mail : I finally received my final bill statement w/ listed total = {$140.00} = all my valid expenses..
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Breach lasting from mid-XXXX through XXXX. The hackers accessed peoples names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. They also stole credit card numbers for about 209,000 people and dispute documents with personal identifying information for about 182,000 people. And they grabbed personal information of people in the XXXX and XXXX too. 

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are reporting incorrectly that I am 30 days past due on XXXX XXXXXXXX XXXX XXXX - partial account number XXXX. ( Please see page 2 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Mortgage

Quality Loan has a sale date on my home for XX/XX/XXXX16 yet my lender XXXX Mortgage claims the date has been postponed ( false ). Quality claims they ca n't postpone unless the servicer ( XXXX ) postpones it and they have not got the ok to stop it, even though I am in a LOAN MODIFICATION. This fraud and deceit of stealing my home and millions of others, still persists and your agency CFPB and others have not put a dent in it, get off your behinds and start helping homeowners like myself who are at an age where we do n't need this type of unnecessary stress.
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 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. 
Futhermore, 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 card or prepaid card

Hello I had a fraudulent charge on my Maryland unemployment card for {$1000.00} USD. On XX/XX/XXXX I filed a claim immediately upon seeing the transaction the same hour it happened it was an ATM withdraw from XXXX Texas at a XXXX XXXX XXXX the person or persons tried using it again while I was on the phone with Bank of America at XXXX XXXX XXXX  in Texas but it declined {$1000.00} is the daily limit for cash to withdraw, I assisted Bank of America with every request they had and they did an investigation that took 14 days they concluded in writing that I have stating the case is closed ( permanently ) and that I wont be liable for the {$1000.00} USD.on XX/XX/XXXX the bank on XX/XX/XXXX took all my money that was in there with dispute adjustment debit charge now my account is {$900.00} negative and I had to reopen the case and file a new claim which can take up to 45 business days that means they will take all my unemployment benefits until the {$900.00} is paid back or they conclude again that I was in Maryland and had nothing to do with this fraudulent charge they offered no explanation at all as to what they found or why they illegally took my money. If someone can please contact me at my email address is XXXX and help me put a stop to this, I have medical problems and bills to pay with those benefits. Thank you so very much and In hope to hear from someone soon
Product: Credit reporting or other personal consumer reports

I am in receipt of a blackmail from an insurance company which illegally obtained my information from Transunion. Business as usual., I would not commit to the frustration and bully., a well identified extortion., fear and evasion practices of the same malignant identity theft, malignant misrepresentation and/or malignant misuse. as apparent as is., there is conspiracy to commit fraud. What kind of reward [ constitutional and/or unconstitutional ]., is making them unable to think right? Forcing individual rights to second chances., by modus operandi is a treason by itself. I could not find anything in literature about treason disease., written elsewhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

I gave Equifax the courtesy of filing my complaints concerning " old '' accounts directly to them but they will not clear a specific account from my file. I Never stated that the account in question was not mine. I Did state that it should be Reviewed and Removed. Furthermore, the Equifax dispute center does not give many options to specify exactly was a consumer is disputing. Per Equifax " Closed accounts stay on your credit report for up to 10 years since the date of last activity. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, Wells Fargo reported our account with XXXX 's XXXX to be 2 mos. late. Contact with the bank revealed they had sent initial 2 bills to another town. We'd not seen a bill. They acknowledged their mistake. THEY REFUSED TO CORRECT THE DING ON our credit scores until we paid up. Feels like extortion. All current bills were paid last Tuesday the 2nd.so the arrears is moot. 

I want them to indicate having made a mistake and clear my name Wells Fargo even sent me both undeliverable pieces of mail bearing the address in the other town which should have been enough to generate a fair prompt reversal of the negatives