23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove, immediately : These items are all due to identity, theft or data breach. I was reviewing a copy of my credit report and discovered it contained some errors. I am a victim of identity theft I have no idea how the theft took place. I also have no knowledge of any suspects. The information does not relate to any transactions that I have made and I have filed a police report with the XXXX Police Department. please remove the fraudulent information from my credit report update and delete addresses that I never resided and may possibly be listed on my credit report due to fraudulent activity. please remove all the following items from my credit report. 

XXXX XXXX  : This account was closed on XX/XX/year> XXXX DEPT OF EDUCATION/XXXX : late payments XXXX XXXX XXXX : Original creditor XXXX XXXX {$310.00} XXXX XXXX XXXX XXXX {$310.00} XXXX XXXX : original creditor snapshot {$110.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$2500.00} XXXX, XXXX : Original creditor : XXXX XXXX XXXX XXXX XXXX {$110.00}
Product: Credit reporting or other personal consumer reports

This company has been reporting inaccurate information to all three credit bureaus. On my XXXX, XXXX, and XXXX report they are reporting late payments for the year of XXXX. This account has been closed since 2021. By my FCRA rights a creditor does not have the right to report a closed account as late. If the account is closed nothing can be done to the account. This company is the worst company I've ever dealt with. They are known for reporting inaccurate information. I would like for this whole account to be deleted due to the discrepancies I have investigated and found on all three credit bureaus reports.
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX XXXX XXXX and i am personally writing this complaint under distress. My credit report reflects negative because of improper reporting from all three credit bureaus. TransUnion, Equifax, and Experian are reporting accounts and collections on my credit report that is inaccurate and do not belong to me. I have contacted them several times over the phone and they refuse to investigate and help me remove these accounts. I ask to speak to XXXX and i am placed on hold for far too long and sometimes loose connection from the wait. I am super stress and sad because of this. I am an old man and trying to get my life together and my credit and i am denied automatically bevues of these negative accounts being reported on my consumer report. Please help me as i have exhausted all my remedies for this credit matter.
Product: Credit card or prepaid card

Hi XXXX  ; I need your help on getting to the bottom of this issue. I was shocked when I reviewed my credit report and found late payment on the dates below : XXXXXXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me due to the global pandemic that we were facing, specifically XXXXXXXX and I remember I was XXXX with XXXX during those time.
Product: Credit reporting, credit repair services, or other personal consumer reports

As an INJURED CONSUMER of currently unproven compliant and or valid misinformation, I DEMAND you remove immediately the claim ( s ) as related to the alleged delinquencies and claim of CHARGE-OFF/ COLLECTION and further ANY ASPECT OF ACCOUNT potentially injurious to me. Prove alleged derogatory reporting claim of CHARGE OFF/COLLECTION is fully true, correct, complete, timely, valid, physically verifiable by document testimony certifying all data of allegation ( s ), every notation, all aspects, dates and balances, payments and balance calculations, accounting and audits, Identifications and personal identifiers, pay statuses and source codes, all 426-characters of the mandatory correct and complete P6 statement with all of its trailing fragments, each of the sequential 386-pieces of confirmation to collection, creditor classification code, collector class code ( if any ), and all aspects of requisite perfect reporting, mentioned or not INCLUDING TO THE MANDATORY PERFECT METRO 2 FORMAT REPORTING COMPLIANCES! Compliance of reporting and VALIDITY of claim ( s ) are MINIMUM MANDATORY CRITERIA to REPORT, NOT OPTIONAL. You MUST adhere to my state and the applicable federal reporting laws or else be subject to civil action and suitable penalties and or fines for your dereliction, willful in nature OR in IGNORANCE matters not! REMOVE any and all aspects of delinquency ( ies ) and or derogatory allegation ( s ) now to OBTAIN, RETAIN, or to return to reporting with legal standing in full accordance of requisite mandates of law, be them mentioned here or not! I DEMAND you do so TODAY, even HERE and NOW!
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information is incorrect please update and delete wrong information.
Product: Debt collection

I requested a debt validation from spring oaks capital llc and i recieved a screenshot of application information and a credit card billing statement. In my debt validation letter i requested The amount of the debt. The name of the creditor to whom the debt is owed. 
A copy of the original agreement or contract between myself and the original creditor. 
Proof that you are authorized to collect this debt, such as a statement showing that your agency has been assigned or purchased the debt. Details of any payments made towards this debt ( if applicable ), and the remaining balance. A statement outlining the interest and fees that have been added to the debt since its original creation. However I have not recieve a copy of the original agreement or contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

The three credit reporting companies had confused my identity with my brothers because we have similar first name and last name and we live in the same household.However we have different date of birth and social security number. XXXX has resolved the issues but Equifax and XXXX still confusing our identity. 

I can not access Equifax because it can't identity me with my social security and date of birth.When I try to login, they either can't find me in the system or they confuse my credit report with my brothers. So when I input my information they take me to my brothers credit report. 

XXXX has my brothers credit report and my credit report combined together. There are accounts that belong to my brother and there are accounts that belong to me but however XXXX   has all information incorrect. They have my brothers date of birth and name on my report when I try to pull the report with my social security and date of birth. 

Example of Personal Information displayed in XXXX which is incorrect : Name XXXX XXXX  XXXX Also Known As XXXX XXXX  XXXX XXXX XXXX Birth Year XXXX Employer ( s ) XXXX Address ( es ) XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Statements Personal Statement ( s ) No Statement ( s ) present at this time
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was hacked on XXXX XXXX 2017 and my personal information is now out in the public. I have gone to equifax.com and received an enrollment date for my fraud protection service but I am worried that my identity is already out there as I am not allowed to enroll until the XX/XX/XXXX. I  need to rectify this situation immediately and am not affected for the rest of my life and expect to be compensated fairly for all protection services.
Product: Payday loan, title loan, or personal loan

Onemain Financial told me I was approved for multiples loans, then after I gave them my info they denied me and sent my info to a bunch of subprime money lenders who want to give me 130 % APRs Now im being barraged by these scammers.
Product: Credit reporting or other personal consumer reports

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

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these items. 

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

on XX/XX/2024 I requested that XXXX, Transunion and XXXX to investigate and delete inaccurate information on my credit report as of today the investigation is not completed. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), XXXX, Transunion and XXXX is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Product: Mortgage

I closed on my CitiMortgage home loan in XXXX XXXX. In XX/XX/XXXX, I lost my job, and filed for bankruptcy in XXXX XXXX. I continued to make my mortgage payments. Since that time, I have been unable to access my loan online, create auto-payments, check my balance, escrow, etc. CitiMortgage regularly sends out someone to 'check occupancy ' and charges me for this. In XXXX XXXX, CitiMortgage notified my home owners insurance company that I no longer lived and the house was vacant. I have lived in my house continuously since the day I moved in, and I make my house payments. CitiMortgage sends me XXXX letters and XXXX envelopes a week. When I call to get this cleared up, I am told : 1. I owe thousands in fees and charges 2. No one can help me. 
3. I failed to 're-affirm the mortgage when my bankruptcy closed and the only way to do that now is to file bankruptcy again. ( I am financially solid now ) 4. My attorney tells me that CitiMortgage ( like XXXX -my auto loan company did ) was responsible for sending out the re-affirmation. 
I am caught in a viscous circle of everyone pointing fingers, charging me thousands in fees, sending me a demoralizing amount of mail all saying the same thing [ if you need help, call HUD. I do n't need help with paying my mortgage..I need help accessing my mortgage and getting the fees removed ]. I need help stopping the occupancy inspections and false notifications to my insurance company of abandonment. 
I want my mortgage cleared of all fines, and released to my access.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the account XXXX ( XXXX   XXXX XXXX ) {$1000.00} with Equifax, XXXX and XXXX  and the incorrect information is still there. I do not know who XXXX ( XXXX  XXXX XXXX ) {$1000.00} is. I have never signed an agreement with XXXX ( XXXX  XXXX XXXX ) {$1000.00}. They should NOT be on my credit profile. 

I disputed the account XXXX ( XXXX XXXX ) ( {$140.00} ) with Equifax, XXXX  and XXXX  and the incorrect information is still there. I do not know who XXXX ( XXXX XXXX ) ( {$140.00} ) is. I have never signed an agreement with XXXX ( XXXX XXXX ) ( {$140.00} ). They should NOT be on my credit profile. 

I disputed the account XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX  ( {$3500.00} ) with Equifax, XXXX  and XXXX  and the incorrect information is still there. I do not know what this XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX ( {$3500.00} ) account is. I have never signed an agreement with XXXX XXXX XXXX XXXX/XXXX XXXX XXXX ( {$3500.00} ). They should NOT be on my credit profile. 

I disputed the account XXXX XXXX XXXX XXXX ( {$180.00} ) with Equifax, XXXX  and XXXX  and the incorrect information is still there. I do not know what this XXXX XXXX XXXX XXXX ( {$180.00} ) account is. I have never signed an agreement with XXXX XXXX XXXX XXXX ( {$180.00} ). They should NOT be on my credit profile. 

I disputed the account XXXX XXXX  XXXX XXXX XXXX ( {$3100.00} ) with Equifax, XXXX  and XXXX   and the incorrect information is still there. I do not know what this XXXX XXXX  XXXX XXXX XXXX ( {$3100.00} ) account is. I have never signed an agreement with XXXX XXXX  XXXX XXXX XXXX ( {$3100.00} ). They should NOT be on my credit profile. 

I disputed the account XXXX XXXX  XXXX XXXX ( {$1000.00} ) with Equifax, XXXX  and XXXX   and the incorrect information is still there. I do not know what this XXXX XXXX  XXXX XXXX ( {$1000.00} ) account is. I have never signed an agreement with XXXX XXXX  XXXX XXXX ( {$1000.00} ). They should NOT be on my credit profile. 

I sent disputes about the above accounts on the following dates : XX/XX/2020 XX/XX/2020 XX/XX/2020 The errors still exist
Product: Debt collection

I got an email notification from my bank stating I have a new inquiry on my credit report dating XX/XX/year>. It shows a company named Eastern account system has a claim against me for {$62.00} owned by WOW internet. This debt was paid by XXXX back then.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to state that Experian and XXXX is in violation of 15 U.S.Code 1681 ( b ) ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instruction of the consumer. I never gave Experian or XXXX written consent to report anything on my consumer report. No consent is identity theft. These items have been illegally furnished on my consumer report. If they are not removed, I will no longer extend my credit or allow Experian or XXXX to furnish a report for me. I would like to state that pursuant to 15 U.S.Code 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reports. By Experian and XXXX allowing these inaccuracies to be furnished on my consumer report it has cost me to lose confidence in the banking system. If Experian and XXXX wants to continue doing business with me they should delete these inaccuracies from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud. 
Please delete immediately
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.

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.
Product: Debt collection

NAVY FEDERAL CR UNION-XXXX-Credit card-XXXX-XXXX-XXXX  have not stop calling me after I send a dispute letter. 

PLEASE APPLY THESE LAWS TO MY ACCOUNTS : THE FAIR DEBT COLLECTION PRACTICES ACT As amended by Pub. L. 111-203, title X, 124 Stat. 2092 ( 2010 ) Fair credit reporting act ( FCRA ) 15 U.S.C1681 ( FCRA )
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

Barclay 's sent an offer for 0 % balance transfer/cash advance. I initiated {$11000.00} on XX/XX/XXXX. The funds were received with a {$550.00} transaction fee. Shortly after, my card was declined for a purchase. When I logged into my account, I saw that there were 2 transactions for $ XXXX sent. I contacted Barclay 's in early XXXX. They indicated I should see the second $ XXXX I did not request shortly. After calling my bank a few days later, and Barclay 's again, there was no second $ XXXX sent. Barclay 's then admitted they have a known issue duplicating all cash advances, and they were working to resolve. I explained that it put me over my credit limit with the second $ XXXX they show sending me, but did not send. They had no resolution. They advised that they were not going to report the inaccurate balance to the credit bureau ( their reporting date of XX/XX/XXXX ), but I saw my report today and they did. 

They even charged me a second fee of {$550.00} on XXXX, for a transaction they know they did not complete. 

After more than a month, they have not taken any steps to rectify, and they reported known inaccurate data which harmed my credit while I am applying for a car loan, which now negatively effects my credit score and thus my interest rate will be higher. 

Steps I have recommended : - Send me the $ XXXX they charged me for, so I can pay it back to them - Provide a temporary credit on my account of $ XXXX since they know the transaction is their own error ( treat it like a fraud release ) - Fix the error, and set my account right In 33 days, they have not resolved. It has impacted all of my auto payments, and cost me significant time to deal with resetting credit card information, as well as the multiple calls to them to try to resolve to no avail. I filed a fraud claim with Barclay 's, about Barclay 's transaction, but no action has been taken.

I am completely out of options since Barclay 's is not taking this issue seriously, although everyone at Barclay 's is aware of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

PERSONAL INFORMATION UPDATE LETTER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX RE : Social Security Number : XXXX To Whom It May Concern : This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 


I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section.

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX, XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts that I did not open under my Affirm account. The unauthorized amounts are as follows : - XXXX XXXX XXXX XXXX processed on XX/XX/2022 - XXXX XXXX XXXX XXXX  processed on XX/XX/2022 - XXXX XXXX XXXX XXXX processed on XX/XX/2022 - XXXX XXXX XXXX XXXX processed on XX/XX/2022. 

These accounts were started without my knowledge and I would like to file a claim for them not to affect my credit. 
I have already filed a claim with the loan company Affirm, and they have declined to cancel the payments until I file for fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my credit report on XXXX XXXX, and I noticed that my interest rate on my active auto loan was not reflecting my new rate of 6.8 % that I had as of last year. The loan still listed the interest rate at 12 %. Via XXXX XXXX, I submitting a dispute with Transunion on XX/XX/XXXX and Transunion completed the request on XX/XX/XXXX. My credit report went down because Transunion removed the auto loan completely. 

I reached out to TransUnion and was told that there was nothing that they could do to add the account back unless the creditor, XXXX, contacted them with the correct information. Apparently the removal was in response to what my credit union reported back to them. I was told by XXXX  XXXX XXXX XXXX ( XXXX  ) that they do not reach out to TransUnion unless they are responding to a dispute. " We only report to one bureau ''. It was stated that as long as XXXX has the correct information that I shouldn't care. I'm basically being told by both parties that they can not assist me in adding my active account back to my credit report.