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

I was mailed a pre-collection notice from XXXX XXXX of XXXX for {$1200.00} for services on XX/XX/XXXX. The letter is not in my name, and I have not visited XXXX or taken an ambulance ride. I called the company, and they verified it was not me. 

I have since received additional letters from other collections agencies for this same charge. The last letter was from Ability Recovery Services dated XX/XX/XXXX. Ability Recovery Services stated that I owed this debt to XXXX XXXX XXXX XXXX who purchased the debt from XXXX XXXX XXXX. I did not respond and this week, I have a collection account on my XXXX credit report for this fraudulent charge. This is a fraudulent charge because this is not my name and I never received this service and I have never spent time in XXXX, Arizona. 

I am putting a freeze on my SSN and filing a fraud alert with my bank and the credit agencies. I am working with a XXXX XXXX to ensure my identity is not compromised further.
Product: Credit reporting or other personal consumer reports

This is my second request. 

Please remove the following Inquiries of my report. 

XXXX XXXX XXXX ( 4 Inquiries showing ) XXXX XXXX XXXX Also please remove all fraud alerts and statements.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX. I would like to request a copy of my consumer file and report from all 3 credit reporting agencies. I attempted to request online but the page will not load.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus never did a proper investigation according to the FCRA. 

The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They did not do this. 

Also, they have violated my rights even more In accordance with the XXXX XXXX XXXX Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigated but how is that possible if open date is inaccurate, the XXXX. of Months ( terms ) is inaccurate, date last reported is inaccurate, and date last active is inaccurate. TransUnion also re-aged my account. This is all grounds for removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Reporting agency 's are inaccurately reporting XXXX XXXX Account that was completely paid off by my insurance company for total loss. There is no balance owed. The reporting agency is reporting a balance and there is none.
Product: Credit reporting, credit repair services, or other personal consumer reports

What Is the Fair Debt Collection Practices Act? The Fair Debt Collection Practices Act ( FDCPA ) is a federal law that limits the behavior and actions of third-party debt collectors who are attempting to collect debts on behalf of another person or entity.XX/XX/XXXX
Product: Debt collection

this debt, original creditor XXXX XXXX account XXXX was settled in full with a partial payment with the original creditor XXXX XXXX, they cashed the check submitted which noted partial payment for payment in full on it, the origins creditor subsequently a few days after cashing the check illegally sold the debt to portfolio recovery associates who has all the pertinent information but illegally leaves the trsdeline on my credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX XXXX ) : ( XXXX XXXX XXXX XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Credit card

Remove any indications of late payments and modify the status to reflect either " paid now '' or " as agreed. '' Timely payments are a constant on this account, and I request an immediate update.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX  XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXXXXXX & XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$750.00} XXXX XXXX XXXX XXXX Balance : {$720.00} XXXX XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX XXXXXXXX Balance : {$190.00} XXXX XXXX XXXX XXXXXXXX Balance : {$140.00} XXXX XXXX XXXX XXXXXXXX Balance : {$120.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX : {$2000.00} XXXX XXXX XXXX : {$8100.00}
Product: Student loan

Hello XXXX of XXXX I made a payment of {$18000.00} to XXXX XXXX XXXX XXXX XXXX, which was my payoff amount. I received a letter stating my loans were all paid in full and I no longer have any loans in default with them or the collection agencies they are affiliated with. Than XXXX of XXXX while applying for a VA loan I had a flag on my credit reporting I still had an unpaid balance so I contacted both Great Lakes and the collection Company XXXX. It turns out they did not have record of my payment, however I was smart to have my bank cut the check and send it by certified mail, so I had a paper trail. They found the miscommunication and sent another letter XX/XX/XXXX stating my loan was paid in full. Fast forward to XX/XX/XXXX, I got another letter saying I had owed a total of {$1400.00}, which was refunded back to the account because because charged interest to me on the payment they lost than found. Well once again XX/XX/XXXX, I am dealing with the same problem and it affects my credit not to mention the frustration and anxiety I have to deal with when talking to these people. I have all the emails they sent clearing me and the letter clearing me. I am fed up and tired of being bullied by their creditor XXXX. I want to file a formal complaint as well as seeking restitution against Great Lakes and XXXX. Can you help me please. 

Thank you, XXXX XXXX
Product: Student loan

I was a student at XXXX XXXX XXXX and enrolled in their XXXX program. XXXX convinced me to take out a personal loan in order to pay for the remaining balance of my tuition. Due to the fact that XXXX closed their business down in was unable to finish my program and obtain my education and certification which makes them in breach of contract to me. I do not owe money because at no fault of my own, I did not receive the education I was paying for.
Product: Credit reporting or other personal consumer reports

The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX has violated my rights. I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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. and according to 15 USC 1681s-2 they are suppose to 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
Product: Credit reporting or other personal consumer reports

Requested 1099C since it was charged off and never received. 
Bank continued to take 100 % of all deposits, including mortgage payments towards charges off account. Credit report does not reflect payments they took from me that were mortgage payments and does not reflect the correct lower balance.
Product: Debt collection

This company ( or people involved ) have been calling me for months with no caller ID so it can not be blocked. They leave a automated voicemail every single time with a number to call back, the number is XXXX and they do not mention any specific name as to who they are looking for. 
I called back the number once, The line was tossed around it sounded like and it went again to another automated machine and I ultimately had to hang up. 
I do not owe any debts and my credit report states that. 
Upon searching XXXX for the number I came across a swarm of people reporting the same exact thing but some have actually got in contact with a human being on the other end and they reported saying they were demanding money from an outstanding debt from many years prior and the person had never had a debt from that company. I want these calls to stop, I thought maybe theyd call a few times and then stop but they have been calling every other day at random times for months.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) 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 issues 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 ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, 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: Checking or savings account

I am signed up with Bell bank, I did not consent to overdraft fee 's and I am a minor. My account had been overdrafted 3 times. I have went to my bank to correct the situation because my account should not allow over drafts but my bank included that they would not turn my card off even if the subscription was canceled Bell bank would allow reoccurring subscriptions to continue to charge my account leaving me vulnerable to theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to TransUnion well over 90 days ago and they have failed to comply with the investigation I asked to to do on false misleading and inaccurate information on my credit report.
Product: Mortgage

Ditech failed to help me with my loan modification- they called it loss mitigation request. They had me send them all types of information for three months or more, telling me I did not send papers which I know I sent. While going through this, they kept increasing my loan amount. They even stated that I did not pay my escrow account, when I actually had. They over charged me and I had to pay more that month ( By the way, they did the same thing the year prior and I had to wait a month to get my money back. ). 
On XX/XX/2016 I had to pay {$1400.00}, then XX/XX/XXXX, XX/XX/XXXX I had to pay {$2500.00} and that continued until XX/XX/XXXX where it increased again. While this was occurring my loss mitigation claim was being ignored. On XX/XX/XXXX XXXX XXXX states she would escalate because all documents asked for had been turned in. Nothing happened. I contacted them again and XXXX XXXX told me the same thing. Still nothing. Then when I called I received a recording once I put in my claim number. No one called me back, after I left a message. 
I then had to refinance with XXXX because I could not afford the $ XXXX+ that my mortgage went up to. When I inquired why it kept increasing, first I was told my residual escrow account was added on. After proving I had paid it in full, I was told it was taxes. 
Recently, they sent a letter stating I was denied because I did not provide the necessary documentation. This was completely not true. I know of one other person that has gone through this, and she is is a completely different state.
Product: Mortgage

I pay my mortgage in 2 monthly installments on the XXXX and XXXX of each month via EFT. My XXXX XXXX payment was applied on XXXX XXXX, but the next XXXX payments have not been applied. In XXXX just after the XXXX payment was sent, I received a letter from Ditech advising me that I needed to take action on my " delinquent '' account. After the first 6 hours on the phone, I learned that Ditech changed the account numbers in XXXX ( from Green Tree to a Ditech number, without any notification ) and they are unable to locate my payments. I have spent more than 10 hours on the phone with them, talking to the same person ( XXXX XXXX ) over and over and every single time it is like it is our 1st conversation. Today I had the misfortune of speaking to one of XXXX XXXX peers, who was just as rude and ignorant as could be. I asked 4 times for a manager before I was put on hold, and then the call was disconnected. I have faxed copies of my bank records to their customer service department and walked that manager through the history. I asked what else I could do to get this resolved and was told it was all on Ditech to finish the research. I did n't hear from anyone for about a week until today when XXXX XXXX, the collections officer assigned to my account, called to tell me my account is now x days past due. No mention of the supposed research being done on my behalf. In the meantime, they are assessing late fees and interest on top of that, and I am at a loss as to what to do. In my opinion, when they could not apply the payment properly they should have returned the funds. At least I would have known something was wrong.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, XXXX placed a hard inquire on my report that was unauthorized. I am concerned that this may be another incident of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX. I tried to lift a security freeze temporarily with Experian. 

First I went to their website. They had a button for logging in to manage a security freeze. I did that. On their website, there is ABSOLUTELY NO way to manage a security freeze. They offer a " credit lock '' for money. 

Let me point out that I am a software engineer with an XXXX over XXXX and many years of experience in the industry. If I couldn't find a way to manage my freeze, it either doesn't exist, or it's been paywalled ( more than likely ). 

Then I tried to call. Three times. There's no option for managing freezes. All the options that sound promising ended in a hang-up. There was one way to speak to a person, but that also ended up in disconnecting the line. 

I believe this kind of behavior by a credit reporting agency might be illegal.
Product: Credit reporting or other personal consumer reports

I was trying to purchase a house, I have damaging information on my credit profile, there should be no damaging information on my credit profile Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC : CONSUMER FINANCIAL PROTECTION BUREAU AND FEDERAL TRADE COMMISSION RE : YOU HAVE VIOLATED THE USA LAW FAIR CREDIT REPORTING ACT 15 U.S.C & 1681g DEMANDING ATTENTION FROM LIVE REPRESENTATIVE!!!! 
Im not happy with the way your company is handling my consumer report. I was a part of a XXXX breach and your company is still not securing my information. I have already filed complaints with the Attorney Generals Office in your state and my state about your illegal attempts to damage my consumer report. I've also made a complaint to CFPB. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer. 
Thereis not a possible way a debt can be validated under 15 U.S Code 1692g ( 5 ) ( b ). YOU ARE BREAKING THE U.S FEDERAL LAWS. You will be hearing from the CFPB about these violations. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are federal law violations and damages as a natural person. I am demanding your company to remove these accounts IMMEDIATELY As stated before, I am aware of the FCRA law. Considering your responds you are NOT in compliance with these laws. Ihave the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.I do not consent you to use the e-oscar system to verify or look over this matter. Also it has been way past 30 days for you all to respond to my disputes which again is a violation. I DEMAND THAT YOU DELETE THESE FOLLOWING ACCOUNTS IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Its your duty, mandated by law be in compliance with the laws.The furnisher never provided any proof to me that that account listed above was reported 100 % accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the Attorney Generals Office in my state and yours if the above items are not deleted ASAP. 
Tracking everything CC : FTC, XXXX, CFPB Client name XXXX XXXX
Product: Credit reporting or other personal consumer reports

account ; XXXX XXXX XXXX XXXX XXXXXXXX Equifax, you are in violation of the Fair Credit Reporting Act. 
I am writing to formally lodge a complaint regarding the inaccurate, inconsistent, and incomplete information on my credit report. Specifically, the account balance reported by XXXX XXXX is incorrect. Despite providing proof of this inaccuracy, Equifax has failed to conduct a proper investigation. 
I demand that Equifax delete this account from my credit report immediately. This inaccuracy has negatively impacted my credit score and financial standing. 

Please confirm receipt of this complaint and provide me with an update on the status of the investigation within 30 days. 

please see attached for more detail
Product: Credit reporting or other personal consumer reports

on XXXX on XXXX up to XX/XX/2024 i notice money was being taken out of my account causing three accounts to go delinquent due to funds taken without my knowledge. it was out of my control i enclosed a copy of identity theft report and sword affidavit that i am taking the proper measures to protect myself THERE IS ONE ADDRESS LISTED WHICH I NEVER LIVED IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX PLEASE DELETE OFF MY RECORD
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Transunion all have reported bankruptcy on my credit report without getting this information directly from the bankruptcy court themselves. They have required this information from a third party company and placed it on my credit report. according to the FCRA, this is not valid! I have been sending letters to all of the 3 credit bureaus on XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018 I even sent the 3 credit bureaus a letter from the Bankruptcy court stating they do not supply the credit bureaus with this information and neither credit bureau will remove it from my report. They claim to do an investigation but if the bankruptcy court is not relinquishing that information to you, how can you legally and sufficiently record this info. from a third party entity or for that matter, do a thorough investigation in any case?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to an adequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to 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 Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am extremely concerned about the actions the credit bureaus are having on my life..I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I do not own the accounts. XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX )