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

I hope this complaint finds you well. I am writing to bring to your attention a matter of utmost importance regarding my personal information on record with your organization. I have recently discovered an erroneous address listed under my name, and I believe it to be the result of identity theft or a data entry error. 

The incorrect address in question is : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX I want to make it abundantly clear that this address does not belong to me, nor have I ever resided at this location. My only legitimate address is : XXXX XXXX XXXX XXXX, GA XXXX I am deeply concerned about this discrepancy and its potential implications. I suspect that my personal information may have been compromised, leading to this unauthorized address appearing in your records. To protect my identity and prevent any further issues, I kindly request that you investigate this matter promptly and take the necessary steps to remove the incorrect address XXXX XXXX XXXX XXXX , XXXX XXXX, GA XXXX from your records. 

Furthermore, I would appreciate it if you could provide me with any information or assistance regarding the source of this discrepancy and any actions taken to rectify it. My primary goal is to ensure the accuracy of my personal information and prevent any future instances of identity theft. 

Please treat this matter with the utmost urgency, and I kindly request your prompt response to confirm the removal of the incorrect address from your records I appreciate your immediate attention to this matter and thank you for your assistance in resolving this issue. I trust that your organization will take the necessary steps to safeguard my personal information and prevent any further unauthorized changes to my records.
Product: Credit reporting or other personal consumer reports

TRUIST BANK Date opened XX/XX/year> Balance {$15000.00} Status Open. 

According to 15 USC 1666b this must be removed from my credit report.
Product: Credit reporting or other personal consumer reports

It has been 10 years since my bankruptcy and I wanted to have it removed from my credit report. I was successful with XXXX as they did remove it but XXXX and Equifax are playing XXXX and pretending it is not their job to update those records. They claim they go through a third party for that information but both refused to give me that third partys information. I found out online who Equifax uses and their customer service said that it really is up to the credit agencies to update what they report and not report. 

I just need some help getting this removed, I have been patient and the fact that one agency decided to remove it shows that my request has merit. 

It seems like both XXXX and Equifax and just trying to make it harder for people to rebuild their credit even 10 years after a bankruptcy.
Product: Debt collection

Credit Collection Services, XXXX XXXX XXXX, XXXX, MA XXXX, XXXX, XXXX has since XX/XX/2020 been repeatedly harassing me, inspire of my repeated attempts to establish the fraudulent claim through both their agency and XXXX XXXX, by mail and phone to collect a fraudulent debt for {$4700.00} ( file # XXXX ). I have spoken with both them and XXXX XXXX and filed fraud complaints and spent well over 6 hours trying to resolve the issue. Most recently they have filed a report against my credit rating per their report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Following a review of my credit report at the Equifax, XXXX and XXXX consumer reporting agencies, I determined that said reports contained a XXXX XXXXXXXX Visa credit card under account number XXXX for which I did not apply. I initially disputed the credit card account as " not mine '' and XXXX XXXX returned a response indicating that it was. Thereafter, I filed a complaint regarding potential identity theft. Not only did XXXX XXXX ignore and reject my complaint, they sent a notice of intent to initiate civil litigation. 

I filed separate disputes to Equifax, XXXX  and XXXX. Each dispute was summarily rejected as frivolous. The negative and fraudulent account remains on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX RE : Updating Personal info Certified Mail Receipt # XXXX Dear TransUnion, I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect. You are reporting information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 30 days. I know that you have up to 30 days to meet my requirements if I do not receive any updates from you during, I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that you incorrectly reported and should be deleted immediately. 
Please delete the following inaccurate names : XXXX Please delete the following inaccurate addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX XXXX University XXXX XXXX XXXX NC, XXXX XXXX XXXX XXXX XXXX NC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX By reporting these inaccuracies, you are in violation of XXXX XXXX XXXX ( A ) ( XXXX ) ; for a consumer reporting agency may furniture consumer report under the following circumstance and no other ; In accordance with the written instructions to the consumer to whom it relates. TransUnion has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instruction to do so. These actions have caused my family and I a great deal of injury. 

Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you're recording under XXXX XXXX XXXX sec. XXXX. 

I have enclosed copies of my state issued identification and a bank state to validate my identity. 

Regards, XXXX : XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved
Product: Credit reporting, credit repair services, or other personal consumer reports

Navy Federal Credit Union is the lender for my mortgage. In XXXX I called them to request forbearance under the CARES Act. When I called to request forbearance, the operator told me that by requesting forbearance it would impact my ability to obtain loans and asked if I wanted to proceed. I asked her why and how if technically under the CARES Act, the lender is supposed to continue to report the payments as being current if the borrower has been current on their mortgage. She then told me that it was up to the credit reporting agencies to decide how they would report the information on my credit report. I again asked her for more information since Navy Federal is not supposed to change its reporting. She ended up telling me that Navy Federal would most likely not extend credit to me during this time and asked if I wanted to proceed. I said yes. As we were going through the process, she also explained that after coming off of forbearance I had the option to pay it back in a lump sum before describing other options. She then read me the other options. During my time in forbearance, I received mailings telling me I was at risk of foreclosure. When I called back about two weeks ago to request to remove forbearance, the operator led with a lump sum payment first and asked if I wanted to proceed. I told her I wanted all my options read before I picked which was best for me. After going through the process, the operator also told me that I had to wait a few days to fill out paper work that would be available through their E-system and was told NOT to make a payment until the paperwork process was complete. She also said the papework had to be physically signed and returned by mail. This process is not yet complete though I have returned the paperwork. I went in today, XX/XX/XXXX, to check my credit reports and XXXX has a line next to my mortgage that states : " deferred, payment date not reported ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Section 4201 of the Cares Act amends Section 623 ( a ) ( 1 ), of the FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 ). Now, a furnisher of data to the consumer reporting agencies that allow its customers to defer payments, make partial payments, modify credit terms, or make other arrangements for its customers affected by Covid-19 should not report the account delinquent, but should continue reporting as current, unless the account was delinquent before Covid-19 related deferral or modification, and has not been subsequently brought current. These new reporting requirements are retro to XXXX XXXX, 2020.

Due to Covid-19 forbearance program regulations, its states that no late payment are to be reported to the financial credit bureau during this time covers forbearance period. I have late payments on my report, I want removed because I am a victim of Covid-19 and legally should not have them there.

I have late payments on my report, I want removed because I am a victim of Covid-19 and legally you should not have them there.

Please remove late payments/change to paid as agreed.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 at XXXX someone swapped my SIM card out at a XXXX store in New York. They then logged into my Citibank account information while using my cell phone to use two-factor authentication. Whoever did this did cash advances on both my credit cards through Citibank online banking, transferred the money into my checking account and wire transferred it out. They also wire transferred money from both of my savings accounts with Citibank. From one account it was {$1700.00}, from another account it was {$4200.00}, and from another account it was {$10000.00}. The grand total was {$15000.00}
Product: Credit reporting or other personal consumer reports

This is my refilling and requesting for the reinvestigation to EXPERIAN was the aftereffect of their rebelliousness to my solicitation and for their refusal of getting the things, recorded underneath, to be taken out from my credit reports. They did not remove my request, which I thought was against the rules of the Federal Credit Reporting Act, nor did they respond to it. As a result, I am writing this complaint to ask for help blocking or deleting the items in question because they found to be illegal and incorrect. I have also attached the FTC reports to support this complaint with the FTC number XXXX
Product: Credit card

XXXX XXXX  XX/XX/XXXX XXXX Called into capital one about issues on account. I was told if I paid they balance they would wave the fees and remove report on my credit report. I paid the balance and the report wasn't removed. When I called back to see why it hasn't been changed I was told that can't help. They clearly say in the recording of the call what they would do and haven't done it. I just would like them to do what was promised in the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Debt collection

I received a notification from a debt collector. the creditor name is XXXX XXXX. I TRIED to start a newspaper subscription. They NEVER delivered ANY of the newspapers. I believe the carrier is XXXX and said he was making deliveries but he NEVER gave me any of the papers. XXXX XXXX is trying to collect a dept for a service and product they NEVER gave me. I am not paying XXXX for something i never received. i would like to sue them for fraud and for discrimination. 

BIEHL & Biehl , INC. 
XXXX Creditor Name XXXX XXXX XXXX XXXX XX/XX/XXXX I am writing to you in response to this debt collector. 

I am disputing the debt because the product/ service was never sent or provided to me. 

I contacted XXXX XXXX MULTIPLE TIMES via their portal. The paper was NEVER delivered. They did not deliver ANY papers. I am not paying XXXX for a paper or product I never received. They did not deliver any papers, rather attempted to charge me. The service was never started as no papers were ever delivered. I contacted XXXX XXXX that I believe the person that was supposed to deliver my paper is a XXXX  XXXX and was attempting to charge me but never delivered any of the papers he was supposed to deliver, when the order was set up. Send me any proof that the paper was ever delivered to my address. XXXX XXXX should be sued, and the paperboy should be fired. I never received this product ( newspaper ) or service delivery of the paper. 

If the XXXX XXXX doesnt drop this debt I am going to sue them for negligence. I will be charging XXXX an hour for my time and my stress to deal with this FRAUD collection, stress this has caused me and my family and knowing that a homophobic and prejudiced staff member of the XXXX XXXX knows my address. 

Time spent on this fraud charge : XXXX hours ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have had a charge off on my credit from Nordstrom that was NOT mine. I have attempted to dispute this transaction for years. I am a victim of identity theft. One instance recently where the Florida XXXX reached out due to being one of the victims that they were prosecuting. I would be more than happy to provide this information. I have disputed this for several years. Asking for proof of this account being mine. Explaining how it was not mine. With no answer other then an automatic decline of my dispute with no resolution. Experian refuses to cooperate on this issue
Product: Credit reporting, credit repair services, or other personal consumer reports

I the consumer XXXX XXXX, have reached out to Transunion on multiple occasions detailing fraudulent information on my account in relation to identity theft. They have stated that they are not governed by the FDCPA and when I brought up FCRA they also denied that they would remove anything relating to identity theft from my report. This is after I have submitted 4 FTC reports, called and detailed to them on several occasions that these items were fraudulent, the last date being XX/XX/XXXX, as well as XX/XX/XXXX. I have let them know that the following accounts & inquiries were related to Identity theft XXXX XXXX XXXX/DEPT OF ED XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My problem started off by getting incorrect information about my new Business Line of Credit. I was supposed to receive 1.99 % APR promotion for the first year as I was told by one of the bankers I was dealing with, but then when I was waiting to get the credit available to me, other representatives in XXXX XXXX XXXX XXXX Lending have told me different things about whether or not I qualify. No one really seemed to know what was going on and it was getting incredibly frustrating, and shown their sign of inadequate training, knowledge, and incompetency. I raised this issue to XXXX XXXX, Senior Vice President and Division Lending XXXX at XXXX XXXX, and he promised to look into it. We exchanged emails back and forth about status updates as this process was taking extremely long, I asked him if I may have extended credit on my BLOC as a courtesy and he said he can move XXXX of available credit from my XXXX XXXX credit card to my Business Line of Credit, and he did. During this process the person who was responsible for moving the available credit from my credit card to BLOC ran my credit report without my authorisation. When I confronted XXXX about this, he denied it. He said I may have applied for another XXXX XXXX product. I said that's impossible, and senseless given the circumstances of what we were dealing with. I asked to have this investigated or removed ASAP and notification of when this will be removed and when he did send me the notice, I have yet till this day see that inquiry come off. The bank failed to fulfill their obligation to remove an inquiry in my credit report in error as they disclosed to me in writing. I have made executive complaints about the way they have been handling this and have not heard back from anyone as of yet. This has been an incredible incompetent bank and has proven to me they are not capable of handling simple tasks. When I tried to deal with this issue with Experian, they disregarded the correspondence letter I had sent them from XXXX XXXX, as I was advised to send it to them to expedite this matter, this has failed to be effective, and thusly, Experian did not pursue any action whatsoever.
Product: Credit reporting or other personal consumer reports

I found fraudulent inquires in my credit report.please remove that XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year>XXXX XXXX
Product: Mortgage

Carrington Mortgage bought mortgage from XXXX and increased amount paid to escrow even though my insurance and taxes have not risen, They said once paid, I have an escrow balance of {$130.00} but they need it to be {$480.00} dollars so my mortgage payment went up. Can they do this arbitrarily? What is they want my extra escrow balance to be {$1000.00} or {$1500.00}?
Product: Mortgage

The company, XXXX or XXXXXXXX XXXX XXXX holds my mortgage. They forced Homeowner 's Insurance on my mortgage. I have supplied them with the documents over 5 times. They will not call me or provide a resolution. I have to call them in order to get a response. When I call them, they tell me we are processing your documents and will call you back. Again, they never call back and now I am stuck with a balloon payment of {$1900.00}
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FRCA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Money transfer, virtual currency, or money service

I am writing due to my concerns on Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card or prepaid card

COVID Complaint As I stated in a previous complaint against BBVA, I  am a XXXX XXXX and XXXX XXXX XXXX by profession. I help XXXX  find XXXX XXXX XXXX to XXXX XXXX XXXX and XXXX XXXX. I personally have bank accounts and credit cards with several different institutions and BBVA continues to be sub-par. 

I have experienced financial hardship due to Covid. I reached out to BBVA 2 times in writing through their message center. When told to call, I could not get through. I pleaded for deferment in each of my emails to no avail while my other creditors quickly and easily and graciously granted me 30-90 Day deferments with no risk to my credit. BBVA was unable to do this despite my written request submitted online. I then submitted an application online, followed up in the appropriate number of business days in writing on XX/XX/2020. It is now XX/XX/2020 and still have not received a response. See attached screenshots of online correspondence. I continued to make this payment despite not having the funds in my emergency budget which made my financial situation even more difficult. I continued to make them because I did not want to risk a negative impact on my credit. I understand delays with Covid, but the hardship deferment was granted to me with 5 other financial institutions in a professional and timely manner. 

I sent Covid requests XX/XX/2020 XX/XX/2020 XX/XX/2020 If a XXXX XXXX by trade cant successfully receive COVID relief through multiple avenues with BBVA, please tell me how a a low-income or technically challenged or XXXX or elderly person might complete the task. My guess is, most clients would throw their hands up and give up! I will never XXXX  any of my XXXX, XXXX  or XXXX XXXX   to do business with BBVA. BBVA does them a great disservice and is simply is NOT accessible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681cXXXX ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX LNAPT XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX XXXX XXXX XXXX AV XXXX XXXX, CA XXXX XXXX XXXX XXXX  BV XXXX XXXX, CA XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Debt collection

On XX/XX/XXXX @ XXXX hours I received a call ( phone # XXXX ) from a man claiming to be XXXX XXXX XXXX XXXX XXXX XXXX ( Im guessing a debt collection agency ) & stated they were a contracted company out of the City of XXXX Finance Department. He stated that I had not filed/reported for a business license renewal for the year XXXX. Well Ive never applied for a XXXX license first of all, & secondly while I do in fact run a XXXX XXXX, all of my quarterly income & applicable taxes have been reported & filed with the city. My XXXX is in good standing. I believe he obtained my business name & an old address that I did business out of for less than 2 months possibly from discarded mail from that old location. He stated that if I didnt provide proof of this filing that the $ XXXX debt would remain in collections. I have already updated my address info with the city regarding my XXXX long before I received this call ( obviously a red flag ) so any legitimate paperwork would have been received at this updated address. At this time, Ive received nothing. I asked where I could send the proof & he gave me an email address of XXXX.
Product: Credit reporting or other personal consumer reports

please remove all of this negitivate item from my credit report. its hurting my ablity to get a loan or do anything. it has effect me in such a way which i can not do anything without it.