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

Hey good afternoon on XX/XX/XXXX, I was looking on my credit report and I still see Equifax reporting 4 addresses that doesnt belong to me. I disputed this a month ago and all 4 addresses was deleted. I got a letter and a confirmation to my email that these addresses was deleted off my credit file on XX/XX/2019 with confirmation number # XXXX. Now these items have been reinserted on my credit report. Equifax violated the FCRA ands thats a {$1000.00} violation for not notifying me of reinsert these addresses back on my credit file after being deleted. Pictures are included with the deletions of addresses. 

If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been contacting the 3 bureaus, by wanting to despite the incorrect information thats been taunting me whole life. Such as address that are not suppose to be there, at this point I dont know what next step there is that I need to take.
Product: Student loan

I attended XXXX which turned into XXXX XXXX college while I was attending. The school ended up getting shut down permanently I did attach the proper paper work needed to nelnet and proof of the schooling closing without my knowledge. I did graduate but the school shut down due to lack of accreditation which I was lied to about. When I tried to take my credits else where to other states they told me I was not accredited. When I tried to renew my licenses and take continuing education classes at the school they were shut down. My license is no longer valid and I am not accredited I did let my student loan lender know this submitted the proper papers and its been well over a year I have not heard anything back. Legal stand point states when a school is closed for reasons like this student loan is dismissed .when I graduated my certificate stated I graduated from XXXX XXXX college and so doesnt all my transcripts. Student loan lender has been giving more then enough time to respond & has yet to do so. They continue to just keep pushing things back on payments instead of investigating well over a year is unacceptable. Yeah
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/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: Debt collection

I received a call at my moms number, it was XXXX something in the morning XXXX. It was a person with the XXXX XXXX collecting a bill for internet with XXXX. Well I already have a company prior to this company on my report collecting this. They told me they was collecting for Delivery Financial Services, which is the collection company that was first trying to collect a bill that was not owed due to the original creditor had credited back that bill for internet not working properly and we had cancelled the service for non service. So both companies XXXX & Delivery Financial Services are on my credit reports trying to collect a bill not owed, also XXXX is a no contract company for services. If a contract was made it was without knowledge of this, unless they sneak it in as a signature of install by the tech paperwork on install and told that it is a signature they need to prove hook up, which is illegal to make it a contract off of that.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Site Manager / XXXX XXXX XXXX put in a hard inquiry on my credit report without authorization on XX/XX/2018. These guys were my apartment provider FOUR YEARS AGO. I never made any request for any additional work, they simply re-ran my credit for no reason, resulting in my score being less than what it should be when I am trying to buy a new car and refinance my mortgage. I have disputed this with XXXX, but they came back saying On Site Manager / XXXX stood behind their inquiry and refused to remove it. I am requesting the CFPB to come in and find out why they are running my credit with no authorization for no reason.
Product: Checking or savings account

In end of XX/XX/year> I received an email thanking me for opening a bank account at " First Citizens Bank ''. I also received an email from them for setting up my password for my " new '' bank account. I just did not click on anything and made a mental not to look into this.

Then I received 3 hard copy mail notifications at my home address about 3 bank accounts in my name at " First Citizens Bank '' that had been debited with money. 

In XX/XX/year>, I also received bank statements for 2 of the above 3 accounts. 

I never opened any accounts at " First Citizens Bank '' myself. I have never intended to do any business with them let alone deposit money. This is clearly fraudulent activity that needs to be stopped. 

Thank you for all your help with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX - XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX  XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX  XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 
This item is on my report twice. The information is different. The dates are wrong. What date is on the contract I signed? 

XXXX XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 
This item is on my report twice. The information is different. The dates are wrong. What date is on the contract I signed? 

XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX - XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. This item is on my report twice. The information is different. The dates are wrong. What date is on the contract I signed? 

I didn't authorize the following companies to pull my credit report. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX   XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   FOR XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX F XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I am writing this to you so you XXXX help me stop the items from showing up on my credit reports. Other XXXX XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$5300.00} Open Date XX/XX/year> XXXX XXXX Balance {$1800.00} Open Date XX/XX/year> 2024
Product: Credit reporting or other personal consumer reports

am writing to formally dispute inaccurate and fraudulent information on my credit report as a victim of identity theft. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and complete information on my credit report. I am requesting the removal or correction of the following erroneous accounts and inquiries, which I believe to be the result of fraudulent activity. 

As a victim of identity theft, I have reason to believe these accounts and/or inquiries are a direct result of unauthorized access to my personal information. This claim is further substantiated by the recent security breaches involving XXXX and XXXX, where millions of consumers sensitive data were exposed to potential identity theft. 



The Fair Credit Reporting Act ( 15 U.S.C. 1681i ) requires credit reporting agencies to investigate disputed information on my credit report within 30 days of receipt of this notice. In addition, under 1681c-2, I am requesting a block of all fraudulent information resulting from identity theft. I have attached a copy of my Identity Theft Report and other supporting documentation, including : 1. A copy of my government-issued ID.

2. A copy of a utility bill to verify my address.

3. A copy of the Identity Theft Report filed with the Federal Trade Commission ( FTC ).

4. Police report confirming my identity theft claim.

In light of these breaches and my circumstances, I also request that the CFPB ensure XXXX and XXXX comply with their obligations under the FCRA to safeguard consumer information and rectify any errors arising from identity theft. 
Please investigate this matter thoroughly and provide a written response regarding your findings and actions. If the disputed items are not corrected or removed, I request a detailed explanation of the investigation process, as required by FCRA 1681i ( a ) ( 6 ). 

Thank you for your immediate attention to this matter. I look forward to your response.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX, XXXX XXXX, GA, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA, XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$180.00} Charged Off XXXX  XXXX XXXX  Account Number XXXX Open Date XXXX XXXX, XXXX Balance : {$1600.00} Charged Off XXXX XXXX XXXX XXXX  Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX Account XXXX XXXX XXXX Date XX/XX/XXXX Balance : {$15000.00} Charged Off XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Charged Off XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) Account XXXX XXXX Date Opened XX/XX/XXXX Balance : {$6400.00} Collection Inquiries in Dispute : XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Product: Student loan

Ive been fighting with XXXX XXXX for months on getting a lower payment. I only make {$13.00} an hour with a car note of {$310.00}, phone bill {$120.00}, utilities {$300.00}, groceries {$200.00} and rent {$350.00} and other expenses not mentioned above. That alone is being paid throughout the month. They told me in order to talk with loan modification or be put into the loan reduction program I had to be past due indicating that I would have to miss my payment. Now I have this outstanding amount of money I owe. It was originally {$780.00} now I owe {$1500.00}. They have given me options for repayment and they include : Forbearance, interest only payments and wait for approval from the military office that of which I was already denied. They have been giving me the run around for the last two weeks now Im in default with a outstanding balance. Mind you many of my loans are variable some have interest rate of 11.7 percent. Im in need of help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

Fifth Third Bank has recategorized our property to Flood Zone A and is demanding Flood Insurance, when FEMA has stated our property does not require flood insurance as we are not Zone A. Before even notifying that we " require '' flood insurance they already purchased flood insurance for us and will be charging immediately on our loan. 

Company : Fifth Third Bank , National Association XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX data breach exposed my PII to companies and individuals which has adversely affected my ability to earn a living and secure my identity from further theft and fraud. There are late payments, false accounts and inaccurate information that need to be removed immediately to prevent further harm and to reinstate compliance with federal regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
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: Debt collection

Have called Family members telling them that there are going to file a compliant against XXXX XXXX unless they get in contact with him. When tried to call goes to full mailbox. Told not to call when contacted thru multiple numbers continue to threaten!!! This is Real time collections
Product: Credit reporting or other personal consumer reports

My account was leak during XXXX breach there are inquiries that I did not authrozed Here is the list of inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

GSMR is a student Loan on Forbearance and they have reported to the three credit bureaus as 90 days late. They did tell me over phone that the 90 days late will be removed since it has been on forbearance since 2018 but nothing was done till date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have a home equity loan with Wells Fargo. I recently pulled my credit score and noticed that it had decreased significantly from the month prior. As I looked into the root cause of the decrease, I noticed that Wells Fargo was reporting me as having a missed and delinquent payment on my account. I have never missed a payment nor have I ever been delinquent. I feel Wells Fargo 's actions have not been transparent or ethical. This unfair and abusive negligence has cause my credit score to plummet by  XXXX + points!
Product: Vehicle loan or lease

I recently purchased a vehicle from Us Auto Financing on XX/XX/2019 in which the cash price of the vehicle was set at {$17000.00}. After Us Auto added their fee 's for service contract, XXXX XXXX ( {$790.00} ), amongst other fee 's my contract totaled out to be {$20000.00}. I was informed that I had also purchase collateral protection insurance to cover my vehicle while also having full coverage insurance, but later found out I did not need it. I was charged for the collateral protection the whole duration of my contract even after I sent in information stating I had my own full coverage insurance. I also had a device on my car called XXXX which allowed US Auto to stop by car for being late on a payment which I was never more than a week late. They also charged me extra fee 's to turn my car back on. I recently found out that US Auto sold my contract to Westlake Portfolio Management and now I have collection on my credit in the amount of {$10000.00} I did not agree to sign a contract with Westlake Portfolio Management and was not informed until after the my contract was sold to them I have sent Us Auto Servicing and Westlake Portfolio Management a cease and desist along with affidavit of truth through certified mail and have not gotten any kind of response. I am ready to taker next legal actions to correct this issue. XXXX copies of my serve contract, XXXX XXXX, Warranty 's and etc.
Product: Debt collection

Have received upwards of XXXX calls within a short span and during work hours. Also have contacted relatives outside my immediate family improperly.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account that is showing up on my credit report that is reporting wrong information. I have contacted the XXXX  and they said they do not fix credit bureau items. I have asked Experian countless times to remove this account from my report as it is showing wrong information. They send me letters saying the account was verified by the client. Yet they are still reporting the wrong information.
Product: Student loan

I am in the Public Service Loan Forgiveness program. I began working in XX/XX/XXXX and immediately filed paper work to have my loans consolidated so I may join the program. Due to multiple errors and delays in processing, I was n't allowed to begin making payments until XX/XX/XXXX. I have tried to remedy this complaint with Fedloans servicing, who is my current loan servicer, however, they wo n't allow my me to make payments for the lost months in this error. My loans were officially dispersed on XX/XX/XXXX.
Furthermore, additional errors were made in my account. In XX/XX/XXXX my payment had tripled incorrectly due to a glitch in Fedloans system which would have sent out notification for me to re-certify my payment plan. Management acknowledged this error, however, I was placed into forbearance even though this issue had not been my fault. Thus I was delayed in making payments for an additional 2 months due to being placed in forbearance. I was even told it would be an administrative forbearance but I have since found out they categorized it as a hardship forbearance. On XX/XX/XXXX, under the guidance of management at Fedloans I had made a payment of XXXX to count toward my PSLF. I have now learned that Fedloans has not even counted this payment as they claim there is no active bill for this month ( as they still considered me on forbearance. ) I have however, verified that a manual override was placed in my account, however, I have still not received credit for this payment.
I would like to be allowed to make payments for the months ofXX/XX/XXXX, XX/XX/XXXX which I was not allowed to due to being placed on forbearance for an issue I did not cause. I would also request the payment I did make inXX/XX/XXXXbe counted toward my PSLF as it was under the guidance and recommendation of Fedloans servicing management that I make that payment. Furthermore, I request to be allowed to make payments for the month of XX/XX/XXXX and XX/XX/XXXX to count towards my PSLF as processing errors which occurred during that time were not my fault.
Thank you for your assistance.
Product: Debt collection

I took out a loan and fell on hard times about XXXX years ago. About 6 months ago I got a letter taped to the front of my mailbox with Lawsuit written on the front. It was for all my neighbors and family to see. ( I have witnesses ) Inside wasnt a lawsuit or court papers. It was a letter from Tower loan about my debt. The XXXX XXXX even signed it himself. Just got the same letter today but it was officially sent this time. Same signature and paper so it proves it was posted on my mailbox by him. 
Ive saved both the officially sent mail and unofficial one as proof. This tactic upset, embarrassed, and scared me so Ive just been waiting for them to serve me.
Product: Credit reporting or other personal consumer reports

Experian sent me back saying the information for these accounts were verified but when asked to prove how did the verify the information and who provided the eveidence and if they can prove the eveidence is accurate and complete they couldnt respond to me. I have 5 negative items on my Experian credit report they all they say its verified but wont tell me how they verified it
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to the inadequate customer service and unfair practices which violate the consumer financial protection act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and respective as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significance and convenience and financial loss and I seek appropriate redress for these violations.