23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I XXXX XXXX was married approximately XXXX-years ago to XXXX XXXX XXXX who is a career Navy chief . I have been divorced from him for over XXXXyears, yet he is still causing me a great deal of personal as well as financial hardship. Accordingly, I am submitting a number of demands for permanent deletions from my credit reports of loans that were procured against my name and social security number that were applied for by XXXX XXXX. I am remarried and have been for XXXXyears XXXX XXXX XXXX I hereby demand that my name and personal information to be purged by each financial enterprise, and the deletion of any account information currently showing on my XXXX, XXXX and XXXX XXXX respectively. XXXX XXXX
Product: Credit reporting or other personal consumer reports

Type : Incorrect Information on Credit Report Details of the Complaint : I am filing this complaint because Experian has refused to remove outdated and irrelevant addresses from my credit report, despite multiple requests. My current address is : XXXX XXXX XXXX XXXX, XXXX, MS XXXX The following outdated addresses that no longer belong to me remain on my credit report : 1. XXXX XXXX XXXX XXXX XXXX, XXXX, MS XXXX 2. XXXX XXXX XXXX XXXX XXXX, XXXX, MS XXXX These addresses are no longer accurate or relevant, and their inclusion violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically : Section 607 ( b ) : Credit reporting agencies must ensure maximum possible accuracy in credit reports. Outdated and irrelevant addresses violate this standard. 
Section 611 : As a consumer, I have the right to dispute inaccurate or irrelevant information on my credit report. Experian is required to investigate my dispute and delete unverifiable or outdated information within 30 days of receiving my request. 
Section 605 ( a ) : Obsolete information, including irrelevant addresses, must not remain on my credit report if it serves no legitimate purpose. 

Additionally, I am a victim of a data breach, which increases my risk of identity theft and fraudulent activity. Leaving outdated addresses on my credit report exacerbates this risk and fails to provide the necessary protections to ensure accurate and up-to-date reporting. 

I have made several prior attempts to contact Experian, requesting that these outdated addresses be removed. Each time, my requests have been ignored or denied, despite the fact that the information is irrelevant to my credit profile. This refusal to correct errors on my credit report has caused unnecessary frustration and could potentially lead to financial harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an repossessed car that was fraudulently put in my name. I've sent in paperwork and police report showing it wanr my vehicle and yet Equifax won't remove said item. My next and only recourse if this matter cant be resolved its to take legal action against Equifax and the company XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've disputed the payment reporting information on the same XXXX accounts that are currently reporting on Transunion, XXXX, and XXXX. Just to have all XXXX  reporting companies come back with the information being verified as correct. How is this possible if all none of the payment history is consistent across all XXXX  credit reporting agencies? I am now seeking arbitration for improper use and reporting of inaccurate information on my credit report. This is proof of a direct violation of the FCRA from all XXXX  bureaus. There is no need for me to list a bunch of rights that have you have willfully violated by falsely stating that proper investigation took place. If this were true then all reported information should match up with the same information. The attached documents for each account will show different dates for the first reported payments, last reported payments, payments that reported as on-time but showing as late for the same month and year on other credit reports, etc. All XXXX  credit bureaus have not been able to validate the accurate on-time and late payment information but still claim to have done so. In previous disputes, requests for how the information was verified for these same accounts were never turned over to me as I requested. It is obvious that these accounts were never properly investigated. 
The inconsistent accounts are : 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

I have been a victim of Identity Theft, which fraudulent activity has reported to my Equifax Credit File/Report. I have filed an FTC, Affidavit and have my Police Report to remove these fraudulent items from my credit report. In addition, I have filed a dispute online with Equifax providing the same information, which took over the required time frame for a fraudulent item to be removed. In addition, it took a long time for someone to get my complaint and process it, which I am filing this complaint. Also, Equifax is violating HJR 192 of 1933, 15 U.S.C. 1681b, and 18 U.S.C. 1028A, which my next steps is to seek litigation of damages of {$1000.00} per occurrence. There is one fraudulent account on my credit report, which needs to be removed effectively immediately. I am filing this complaint because Equifax is always receiving and processing my paperwork late or not even processing it at all and is always an issues relating to removing items via certified mail and online, which I heard people in similar situations saying the same thing. Therefore, I am submitting a complaint and asking Equifax to remove all fraudulent items from my credit file, based on my documentation uploaded through CFPB. The fraudulent account is : XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$46.00}, and Account Number : XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Dear TransUnion Fraud Dispute Team, I am writing to formally dispute the inclusion of the following accounts and inquiries on my credit report. As a victim of identity theft, these accounts and inquiries are fraudulent and do not belong to me. Pursuant to 15 U.S.C. 1681i ( 7 ) and the Fair Credit Reporting Act ( FCRA ), I request an immediate investigation and removal of these accounts from my credit report. I have included my police report as evidence of identity theft. 

Fraudulent Accounts : XXXX XXXX  Account # : XXXX Balance : {$490.00} Date Opened : XX/XX/XXXX Under Section 623 of the FCRA , this collection account lacks valid documentation and a conspicuous address. Please remove it immediately. 

XXXX XXXX Account # : XXXX Credit Limit : {$500.00} Date Opened : XX/XX/XXXX Payments for XX/XX/XXXX to XX/XX/XXXX were made on time. Under 15 U.S.C. 1666B, this account reflects a billing error. Please update the status to Paid as Agreed/Never Late. 

XXXX Account # : XXXX Balance : {$1200.00} Date Opened : XX/XX/XXXX No documentation has been provided. This is a fraudulent account. Please investigate and remove it. 

Fraudulent Inquiries : XXXX XXXX  Inquiry Date : XX/XX/XXXX ( TransUnion ) XXXX Inquiry Date : XX/XX/XXXX ( TransUnion ) XXXXXXXX XXXX Inquiry Date XXXX XX/XX/XXXX ( TransUnion ) Under the FCRA, you are required to investigate these disputes and respond with the results of your investigation within 30 days. If the items can not be verified, they must be removed from my credit report. 
Thank you for your immediate attention to this matter. Please confirm receipt of this dispute and provide written updates throughout the investigation process. 
Sincerely,
Product: Credit card

Here is the story all over again, as I recall it, XX/XX/2014, there were quite a few advertisements regarding business opportunities on t.v. XXXX in particular was of a mother who worked really hard and could not make ends meet with XXXX XXXX assistant she began to make thousands from home. I sent an email as the company provided their email address in the ad. I never received a response from the company that was doing the advertising. A short time period after that I received a call from a guy that claimed to be currently running the facility. He began to interview me stated that he had to verify that I met the criteria to be a part of such a lucrative business opportunity. He advised he had XXXX difference platforms ranging from XXXX to XXXX XXXX dollars. He stated if I purchased the XXXX XXXX dollar package, everything would be done and customized for me, and I was guaranteed to make money, without lifting a finger. Here I am weeks later, and to my knowledge I still do n't have an active account. They mentioned that my account is active, but I never even put anything on it or seen it. They swindled me out of {$3200.00} dollars and several monthly fees of {$110.00} stating that it was essential for the operation of my website. WHAT WEBSITE, I DO N'T HAVE ONE! Which has brought me to this point. My credit card company states they will not refund my money because the merchant responded. In their responses they provided a contract which I admitted to signing and a record log of me attempting to contact them excessively, which only proofs that I was n't receiving the assistance I needed. Regarding XXXX, XXXX and case number XXXX. Please advise my credit card company under the Federal Truth in Lending Act ( TILA ) and Regulation Z, I have ONE YEAR to file a non-billing error type dispute. Ever other credit card and debit card holder has refunded my money. This is simply a claim of service not as described which can still be disputed. Please help me advise the credit card company that for this purpose allow they should issue a refund promptly. My wife and I have already been through enough calls, emails, irate conversations with the merchant. They should not be signing with the merchant, this is a form of XXXX abuse. I called previously and try to stop these monthly fees and my credit card company failed to assist me. PLEASE HELP US!
Product: Prepaid card

I submitted a request through the CFPB regarding an Am-Ex prepaid gift card I was unable to use at any vendor. I waited months to receive my check and I have yet to. I apologize for missing the feedback window ; I thought the check would be arriving but it's clear that it's not. 

Here is the information of my prior complaint : XXXX
Product: Credit reporting or other personal consumer reports

I hope this complaint reaches you with a sense of urgency and concern, as it reflects the continued frustration and disappointment I have experienced in my dealings with your credit bureau. I initially contacted your bureau in XX/XX/ to report a severe case of identity theft that has caused significant distress and hardship in my life. Despite providing extensive documentation and supporting evidence to substantiate my claims, I have encountered a series of frustrating obstacles and delays in resolving this matter. I am compelled to label your bureau 's response as a " nuisance '' because, despite numerous attempts to engage with your organization, I have not seen the progress or resolution that one would reasonably expect in a situation of this gravity. Please have these accounts DELETED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope you are now working on clearing up those inaccuracies on my report. I sent you a letter regarding the negative items on my report on XX/XX/2021, but I am not getting a response from you. I am trying to fix things so I can purchase new house but you're negligence in reporting are affecting me a lot. i will be waiting for your response.
Product: Mortgage

Well it all started about 8 years ago when mortgage lender ; XXXX XXXX Transferd us to M & t bank/XXXXwho aggressively mislead us to believe that the were helping us. By giving us no choice but to put a second mortgage on our house. We have been behind on payments ever since... Struggling while our payments keep going up ... our..We have lost track of time.. We have attempted to modify the second mortgage with no success.The payments are just unreasonable high.. 
We will be sewing.. The the Lenders for being a ponzi scheme.. Of a fractured banking system.. We borrowed supposedly XXXX & now over 10 years later we owe XXXX more presently then was was borrowed originally. The numbers do not add up.. The mortgage company Being M & t bank. We have not seen a deed to this property to this day.. We have tried to sell this house aswell with no sucess.. We have had multiple realtors... 
This house was referred to as as a White Ellephant.. This is a written formal complaint ; against Lenders mentioned above.. 
Sincerely : XXXX XXXX XXXX XXXX XXXX WI
Product: Debt collection

i am lodging a formal complaint against penn credit corporation. this debt collector has reported derogatory information on my credit reports for a debt to XXXX for {$2000.00} i have never had an account with XXXX ever in my life. ive sent this company debt validation letters in the past they ignore them, but has continued to report on my credit reports every month which is a violation of the fcra, a company must cease collection after debt validation request. i am in the process of purchasing my very first home for my family and this debt on my reports is holding us back. i am requesting penn credit delete this account that doesnt belong to me off of my credit reports immediately. i will be filing XXXX complaints, and attorney general complaints if this account isnt deleted immediately. thank you for your time!
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft through experian files being hacked. When this happened I put a lock on my credit profile and filed bankruptcy to clear all debt. This was in XXXX. I received a notice in XX/XX/XXXX for an unauthorized account from XXXX. I reported to the debt collection company and experian that this was not my account and asked for each to provide any documents that shows my identity, my signature or any relevant documents to prove I opened this account. Neither could provide such information. I asked for this to be removed from my credit file and neither has removed this information. This is causing irreparable damage and harm to my credit standings. From credit report : XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$3400.00} past due as of XX/XX/XXXX. 
Status Updated XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM *******
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a XXXX late payment reported for XXXX of 2019. I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement didnt reach me.
Product: Debt collection

This company keeps informing me that I have a loan with them when they have not been able to verify that I do. They have not attempted to speak with me in reference to any of these loans. They are calling themselves by two different company names. I am so abused and exploited right now. Please help me I have XXXX and XXXX XXXX and I am loosing sleep because of this. 
XXXX CREDITOR : SPEEDY CASH ( XXXX ) CASE NO : XXXX Attention AMOUNT OUTSTANDING : {$840.00} This Proceeding issued on you Docket No : - XXXX with one of XXXX XXXX. Company in order to notify you that after making calls to you on your phone number we were not able to get hold of you so the accounts department of THE XXXX XXXX XXXX has decided to mark this case as a flat refusal and press legal charges against you. 



We have sent you this warning notification about legal proceedings on XX/XX/2015 but you failed to respond on time now its high time if you failed to respond in next 12 HOURS we will register this case in court. Consider this as a final warning and we will be Emailing/Fax this issue to your current employer to make sure they take strict actions against you. Your salary and all your wages confiscated. 



We will be forced to proceed legally against you and once it is processed the creditor has entire rights to inform your employer and your references regarding this issue and the law suit will be the next step which will be amounting to {$3400.00} and will be totally levied upon you and that would be excluding your attorney charges. 



Please let us know what your intention is by today itself so we can hold the case or else we will submit the paper work to your local county sheriff department and you will be served by court summons at your door step. 



This is your last and final chance to settle this case if you don't take it seriously, we will surely take hard steps against your name and social and you will be the only person responsible for the legal consequences. 



By electronically signing this Loan Agreement by clicking the " I AGREE '' button below, you are confirming that you have agreed to the terms and conditions of the Consent and that you have downloaded or printed a copy of this Consent for your records.

IF YOU WANT TO RESOLVE CASE OUTSIDE OF COURT THEN CONTACT TO SETTLEMENT DEPARTMENT : - XXXX Sincerely, XXXX XXXX Accounting Department Speedy Cash ( XXXX ) Washington DC
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX av XXXX XXXX, XXXX XXXX XXXX Equifax Information Services XXXX XXXX XXXX XXXX, GA XXXX Re : Dispute of Account Reporting Violations - Account Number : XXXX To Whom It May Concern, I am writing to dispute the information reported on my credit report regarding the account with account number XXXX. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 Section 604 ( a ) ( 2 ), it is explicitly stated that a consumer reporting agency can not furnish an account without my written instruction. 

Furthermore, I would like to bring to your attention the violation of 15 U.S.C. 1666b, which prohibits a creditor from treating a payment on a credit card account under an open-end consumer credit plan as late for any purpose without a valid reason. 

It has come to my attention that Equifax has reported inaccurate information regarding the account in question, which has had a detrimental impact on my credit score and financial well-being. I have not provided written authorization for this account to be reported, and there is no valid reason for the late payment designation. 

I kindly request that you investigate this matter promptly and correct the inaccuracies in my credit report by removing the account XXXX. Please provide written confirmation of this dispute resolution, and ensure that any future reporting complies with federal regulations. 

Failure to rectify this situation may result in legal action to protect my rights under the FCRA. I trust that Equifax will address this matter promptly and efficiently, adhering to the legal requirements outlined in the FCRA. 

I appreciate your prompt attention to this matter and look forward to the swift resolution of this dispute. Please feel free to contact me at Phone Number XXXX or XXXX if you require any further information or clarification. 

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

A loan company tried to pull my Equifax credit report and was unable to. When I contacted Equifax on today, I was told there was no record associated with my social or previous address. And I was told the only thing I could do was make sure my creditors are reporting my info to them. I have credit history dating back to 2001. I can't apply for more credit until this is resolved.
Product: Credit reporting or other personal consumer reports

There are errors on my credit report related to unauthorized hard inquiries, which violate 15 USC 16c-2. Please remove them as they are negatively affecting my credit. Thank you.
Product: Credit reporting or other personal consumer reports

Experian has been notified on multiple occasions that the information they are reporting regarding bankruptcy. No valid bankruptcy. Please remove this from my credit report. I have also contacted XXXX XXXX  and confirmed that they have not verified any such information with you.
Product: Mortgage

I have been denied time and time again for retentions options by Select Portfolio Servicing. A repayment plan increasing my mmonthly payment by $ XXXX {$900.00} in my opinion is not real help. I'm sure all of the SPS employees would agree that if someone were to increase their rent/mortgage by that much, they too would see that is truly is no help during a pandemic to even offer such an outragous option and label it as " assistance '' On XX/XX/21 SPS stated that again for the 5th time, I was denied for rentention options. 

I then received a phone call from SPS at the end of XXXX to tell me that a new program had passed that I may qualify for. 

I received a letter dated XX/XX/21 from SPS stating they needed more paperwork from me. Documents were sent on XX/XX/21 with my bank statements being sent later, on XX/XX/21 per the SPS request for assistance review. I called SPS on XX/XX/21 to make sure they received the documents from XX/XX/21 and was told that I was denied for retention options. 

If they hadn't even received all of the document they requested via written letter dated XX/XX/21, how could I already be denied?! 

They put my literal life at risk by doing these things. I was already told I was denied and to liquidate so why did SPS call me, to give me false hope, have me go out in public places to get and fax documents, only to deny me before said documents are returned? We are very much still in the middle of a global pandemic with variants that are still killing people. I don't understand why I was denied, then contacted by SPS
Product: Money transfer, virtual currency, or money service

I purchased and air intake and I thought PayPal only give the seller the money when I receive my item but they denied my refund and I never even got a delivery date just a date they would receive funds from me
Product: Debt collection

This company XXXX XXXX XXXX is continuously reporting on my credit profile with XXXX and XXXX. I have reached out to them continuously to have them send me a copy of any documents with my signature on it showing that I have contracted with them and owing them money. They have failed to do so. They are reporting illegally and not following the FCRA and the FDCPA. I contacted the original creditor and they have removed the account from my XXXX credit profile.
Product: Debt collection

I received a call from New Era Asset Management asking if I knew XXXX XXXX. I asked how they got my number as I am not XXXX XXXX but am related to a XXXX XXXX. I Asked why they were calling me and they asked me to pass on a message. I said no ( not so politely ) and they hung up. I called back and spoke to the same person XXXX XXXX XXXX XXXX that had just called ( this time politely ) and asked them never to call back, and he hung up on me. I am afraid they will continue to call me XXXX XXXX XXXX XXXX on my work phone to try and collect a debt that has nothing to do with me.