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

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

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This ground for removal they also violated my rights under : 15 U.S.C 1681 section 602 A. States Ihave 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 or other personal consumer reports

I am writing to express my concerns regarding the information on my credit report, which I thoroughly investigated and found to be unverifiable, invalidated, inaccurate, and questionable. This situation has led to XXXX  XXXX, as your agency did not ensure the 100 % accuracy of the reported items, as required by 15 U.S. Code 1681e ( b ) ( b ) - Compliance procedures for maximum possible accuracy. 
1. This late payment status is irrelevant XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

According to the aforementioned code, consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of information related to the individual when preparing a consumer report. Unfortunately, the items on my report do not meet this standard. 
Referring to 15 U.S. Code 1681i ( 5 ) - Update of Inaccurate/Invalidated Credit Information , if, after any reinvestigation, the consumer reporting agency finds disputed information to be inaccurate, incomplete, or unverifiable, it is mandated to promptly update or modify that information based on the reinvestigation results. Additionally, the agency must promptly notify the furnisher of the information about any modifications made on the consumer 's file. 
If you are unable to provide verifiable proof within 15 days after your investigation, I request that you update the accounts and/or information on my credit report. 
Thank you for reading my concerns have a great day ahead to all Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ), an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ), an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), an auto loan account opened at XXXX XXXX on XX/XX/XXXX, and an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

Failed deposit attempts amounting between $ XXXX on following dates : XXXX, XXXX, XXXX Failed withdrawal amount of total available balance of {$13000.00}, initiated on XX/XX/XXXX, still in pending status as of XX/XX/XXXX ( advertised as 2-3 business days max ) Only action available is complaints/inquiries thru text. Only responses provided are simple acknowledgements, i.e. we are looking in to this, currently XXXX consecutive un-answered texts from Albert XXXX.
Product: Credit reporting or other personal consumer reports

I was stunned to see incorrect accounts listed on my credit report this afternoon, and Im at a loss as to how they appeared. I review my credit report regularly, but this time there were unexpected discrepancies. Thinking it was a technical issue, I refreshed my browser, but nothing changed. The inaccurate information stayed right where it was. I urge that the documents Ive provided be carefully reviewed so I can finally stop worrying about this.
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. Specifically Cashapp 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 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

On XX/XX/2022 I sent in a letter to the company ( Experian ) requesting several accounts to be verified, updated or removed that were reporting to my credit file. These accounts are reporting incomplete, inaccurate and unverifiable information. The company refused to properly investigate these debts allegedly belonging to me. They also refused to inform me of the outcome of their investigation. 

This information has negatively impacted my credit report and the company has refused proper investigation, verification and/or removal of these inaccurate accounts.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX CA XXXX XXXX & XXXX XXXX Flagstar LN XXXX This short sale was started on XX/XX/XXXX with Flagstar. 

On XX/XX/XXXX Flagstar found there was a discrepancy with the VA-Assigned Case Number. Flagstar opened up a trouble ticket within their company to have this issue escalated through the VA for resolution. 

As of XX/XX/XXXX there were no updates at all. Flagstar ( supposedly ) again escalated the issue with the VA. 

As of XX/XX/XXXX Flagstar claims there are still no updates.

While we understand the VA does take some time to resolve issues as they come up, this is taking much too long even for the VA. At this point we do not believe Flagstar ever communicated with the VA and followed-up with them regarding a resolution to this issue with the Case Number.

I want proof that this was in fact sent to and escalated with the VA for a resolution to the discrepancy with the VA-Assigned Case Number. I want Flagstar to contact the VA to find out why there is such a delay.
Product: Credit reporting or other personal consumer reports

I have tried to resolve the issue with Experian reporting {$1800.00} XXXX on my consumer report. This item was removed from my consumer report months ago but Experian has decided to add the account back on my consumer report. I spoke with XXXX and I was told to send in my FTC report , Photo ID, copy of my social security card with I did and the issue was resolved. When I saw XXXX back on my consumer report I contacted XXXX and I was told that there was not an account on file for me. Experian has a generic response of " been verified '' as before I'm not asking for verification I want this item removed from my consumer report immediately!
Product: Credit reporting or other personal consumer reports

I think FCRA 605B requires us to eliminate any inaccurate accounts from my credit report. Could you please review the documents? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates being reported.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$46000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX  XXXX XXXX Balance : {$450.00} XXXX  XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX Balance : {$3100.00} XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX : {$1600.00} XXXX XXXX XXXXXXXX Balance : {$230.00} XXXX XXXX XXXXXXXX XXXX : {$590.00} XXXX  XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXXXXXX : {$220.00} XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$47000.00} XXXX XXXX XXXX XXXX XXXX {$19000.00} XXXX - XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance {$450.00} XXXX BANK XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX XXXX : {$1600.00} XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX Balance : {$46000.00} XXXX XXXX XXXX Balance {$19000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX Balance {$450.00} XXXX XXXXXXXX Balance : {$3100.00} XXXX XXXXXXXX Balance : {$2700.00} XXXX XXXXXXXX Balance : {$1200.00} XXXX  XXXX XXXX Balance : {$1600.00} XXXX  XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX.
Product: Credit card or prepaid card

I filed two legitimate disputes ( see attached ) the creditor failed to process, receIved from me full documentary evidence in support of my disputes, repeatedly lied to me about disputes processing and literally delayed timely action as needed for the chargeback. I sent few letters complaining for their failure to dispute two transactions detailed in my letters, however the creditor lacked to respond and spinned me in a runaround. In addition to it, I reached out to the creditor during COVID-19 pandemic, asking for taking my payments and to avoid bad credit reporting in compliance with CARES Act. Creditor did not follow the law, acted very unrpofessional, violated my rights as a consumer.As a borrower/card holder, I establsihed a very good, stable and timely payment history with the creditor for the last few years. Please review the attached records related to my recent communication and attached statements of disputed transactions. I am seeking your kind assistance in bringing this matter to full and satisfactory resolution, since I have troubles in communicating with Capital One corporate office liars. My goal is to keep my account active without delinquences, get all late fees and bad credit reporting reversed/updated and resolution of my two previous disputes filed on time.
Product: Debt collection

After reviewing my credit report I have noticed that XXXX XXXX XXXX has placed two accounts on my credit file that I have no knowledge of : XXXX XXXX XXXX XX/XX/XXXX {$1200.00} and XXXX XXXX XXXX XX/XX/XXXX {$1200.00}. By law this company is obligated to inform me of this debt by writing. I have never been contacted by this company. I have no knowledge of these accounts and have not signed a contract with either three companys. I am requesting that this company remove these accounts immediately and prove to me by writing with my original signature that these accounts belong to me. I have not signed a release form for my medical records to be released. If this company is in possession of my medical records or violate HIPAA. I will file suit against the company and its clients. I have been advised my attorney to take immediate action if these accounts are not removed from my report. Because I am a victim of identity theft I am requesting that this issue to taken care of immediately. 

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

I suspect fraudulent hard inquiries on my credit report. I did a thorough investigation and I also filed a FTC report stating the activity I have observed. The inquiries are listed below. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XXXX XXXX XX/XX/2022 2022
Product: Credit reporting or other personal consumer reports

Please see attached documents. Do not close this XXXX stating it is not me. I am a natural person and a consumer.
Product: Mortgage

Homeowner is a XXXX divorced woman. she is a XXXX, needing assistance to do simple task like taxes, answering the phone or even walking. 
The homeowner has been fighting the investor : Countrywide Financial, inc., XXXX, Bank of America and XXXX. 
The homeowner has filed Bankruptcy Ch. XXXX and will be dismissed on XXXX. 
The homeowner has ordered a XXXX Securitization Audit and show strong evidence that the following possible violations exist : 1. Broken chain of title. 
2. No just standing 3. Gross fragmentation of the note to XXXX. 
The home owners XXXX audit produced in XXXX also show strong known robo signer participation in MERS documents and more. 
The Homeowner alleges the following investor, XXXX ; most likely know of the broken title and no just standing : but started the foreclosure process without just standing. The investor, XXXX include : : COUNTRYWIDE HOME LOANS, INC. ; THE XXXX AS TRUSTEE FOR SECURITIZED TRUST XXXX XXXX XXXX ; COUNTRYWIDE HOME LOANS ; XXXX. ; COUNTRYWIDE HOME LOANS SERVICING LP ; MORTGAGE ELECTRONIC REGISTRATION SYSTEM, AKA " MERS '' AND DOES XXXX THROUGH XXXX, INCLUSIVE. 

The complaint includes : 1. LACK OF STANDING TO FORECLOSE ; 2. FRAUD IN THE CONCEALMENT ; 3. FRAUD IN THE INDUCEMENT ; 4. INTENTIONAL INFLICTION OF XXXX ; 5. QUIET TITLE ; 6. SLANDER OF TITLE ; 7. DECLARATORY RELIEF ; 8. VIOLATIONS OF TILA ; 9. VIOLATIONS OF RESPA ; 10. RESCISSION. 
Recently Bank of America NA hired a paralegal company to respond to previous complaint : the XXXX. The response diverted any answers from complaint : by not answering any of the complaint issues. They simple just wrote back that Bank of America was compliant and did not answer the complaint issues of broken title or wrongful foreclosure. This paralegal novice did not know how to answer the complaint. The simple response was forward top XXXX : then again re-forward to XXXX. The same old run around. 
The complaint showed that a XXXX XXXX was conducted and shows STRONG evidence that a broken chain of title was discovered, that investor was hiding behind the processor,, XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " 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. '' XXXX, Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801.

Under the Family Educational Rights and Privacy Act ( FERPA ) The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ) All credit bureaus are in violation of both laws by reporting education records on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting to consumer reporting agency negative information for 6 years after account was closed
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand that the following account be deleted, all collection efforts cease and any information about this account sent to credit agencies/bureaus be removed immediately!! 

JPMCB AUTO Date Opened : XX/XX/2019 Acct type : Auto Lease
Product: Credit reporting or other personal consumer reports

Some of the accounts on my credit report are unrecognizable. These accounts need to be removed since I am unaware of their existence. Identity theft has occurred to me. This letter lists all accounts that are unfamiliar to me. A notice of identity theft has been sent to the Federal Trade Commission, and I have received enclosed copies of the Identity Theft Affidavit. Herewith, I respectfully request the removal of the items listed. It would be greatly appreciated if your team could assist me in advance.
Product: Debt collection

To whom this may concern, I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. 

Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for ( XXXX XXXXXXXX XXXX ) to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my signature with the provider of service to release my medical information to you Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.

Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages. I will await your reply with the above requested proof. Per the standard, you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureaus expected or damages will be sought after. 

All accounts in dispute listed below : SYNERPRISE CONSULTING SERVICES Formally XXXX : Date of service XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have no association with the listed creditors, and these inquiries are not mine.