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

I am writing to formally request the blocking and deletion of certain accounts and inquiries from my credit report due to my status as a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent information removed from my credit file to prevent further misuse. 
Accounts to Block and Delete 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 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 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 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 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 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 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Over the past 7 years or more, from XXXX. I have experienced unauthorized access to my personal information due to data breaches at XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX and the dark web. The XXXX XXXX breach, which occurred in XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, Capital XXXX XXXX and XXXX XXXX XXXX, have exposed sensitive personal information of millions of individuals, including myself. These breaches have left me vulnerable to various forms of identity theft, as my personal data was compromised without my consent or knowledge. These incidents have further exacerbated my concerns regarding the security of my personal information, leaving it exposed to even more of my sensitive data to potential misuse by malicious actors. As a result of these breaches, I have experienced significant financial and emotional distress. I have taken numerous steps to mitigate the damage, including validation, disputes and placing fraud alerts on my credit reports, monitoring my accounts closely for suspicious activity, and working with financial institutions to secure my accounts. However, despite my efforts to safeguard my identity, I remain deeply concerned about the long-term consequences of these breaches on my financial stability and personal well-being. Please see my attached FTC Identity Theft Reports.
Product: Credit reporting or other personal consumer reports

FCRA Section 605B ( a ) stipulates that credit reporting agencies must remove any information identified by consumers as originating from alleged erroneous activity within four business days after receiving notification of such identification. 
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 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 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: Payday loan, title loan, personal loan, or advance loan

On XX/XX/2023 I placed a call to update my personal information. While on this call I asked was my account closed. I was told no because I had an account balance. I asked what is my account balance I was told that the agent can not provide this information. I then asked what was my last payment they received. I was told again they could not, provide this information, but could confirm that amount if I told them how much I paid last, which I provided them with a amount and she told me that she did not see that amount I told her the last two payment amounts I made. She told me she did not see any of those amount I requested to speak to another agent.

The next Agent did provide me with the correct amount of my last two payments. Ive been requested this and provide me with a balance letter or a payoff letter, which he stated it will be emailed to you. I received the email with somebody elses information on it. Please see attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has two collection items on my credit report that are incorrect. Both are from XXXX XXXX XXXX of So California of XXXX XXXX. Both are medical claims, one is for {$160.00} which can not be identified, and the other is for {$1700.00} which is a claim to XXXX XXXX of California. The claim to XXXX XXXX has been paid probably in XX/XX/2020, this information comes from the FRAUD department of XXXX XXXX, XXXX  has committed additional FRAUD by including these items on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unknown names and information on my credit report, The accounts that are unknown to me I will list them below, I have inaccurate employment information its keeping me from getting a job and housing. The utilization amounts are incorrect. I would like a review of this information. XXXX and XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX CLOSED )
Product: Credit card or prepaid card

Good Afternoon I am submitting a complaint against CitiBank and XXXXXXXX XXXX XXXX 

I had placed an order with XXXX XXXXXXXX XXXX  and the company was non responsive with the order processing, I sent a cancellation request to the company and order the pergola curtains with XXXX. The package from XXXX arrived, however a second package arrived and unbeknownst to me was placed in my garage. I received an email from a XXXX XXXX XXXX informing me that the goods were sent. I then searched my house and discovered it was placed in the garage. As per XXXX XXXX instructions the goods were returned via XXXX on XX/XX/2023 to an address he provided via email. I put in a dispute request for a refund with Citibank before the money was released and Citibank refuses to refund my $ XXXX goods that were returned to XXXX XXXXXXXX XXXX 
Citibank reason for not refunding me my money, the company stated I never cancelled the order but the company has the goods. 

Your assistance will be greatly appreciated.
Product: Mortgage

Good Day : I currently have a VA loan with my mortgage lender, Carrington Mortgage Services. I went into the COVID forbearance plan during the pandemic. Afterwards, the mortgage lender did a trial loan modification ( beginning XX/XX/XXXX ) and asked us to pay a 3 month trial payment and they would send the trial loan modification agreement to us. We successfully made the 3 month trial payments per their requests, but never received the agreement after asking multiple times ( 3rd payment was XX/XX/XXXX ). We communicated and asked what was the next step and was informed they were behind on paperwork due to an overwhelm of loan mods and to wait. After complaints of not receiving updates, they recommended we start a new loan mod and submit an application ( XX/XX/XXXX ). Meanwhile, we were advised that we were still under the forbearance plan and were safe ( per their statement ). After months of back and forth, they have now provided results, which the modification was declined and they are suggesting short sale. We should have been considered for a VA partial and was not. A rep stated that the partial claim was inadvertently overlooked as an option and she admitted it should have been considered first, but it was now too late because they no longer offer it as they did not finish processing our XX/XX/XXXX application until XXXX. Prior to starting the forbearance, we were NEVER late and weve been in the home since XXXX. This is unacceptable as we were initially informed that we would have a loan modification completed and would continue to make monthly payments ; however, I can not pay the full balance that accrued during the forbearance. The lender has now submitted foreclosure documents to an attorney. We are fully capable of making payments. I am having extreme difficulties with the mortgage lender and they are requesting full payment of the balance that accrued during the forbearance period. They have now marked us as delinquent on our credit report after stating we were still under the forbearance during the loan mod. I DO NOT WANT TO LOSE MY HOME.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX Block , Inc. ) due to 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 proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I do not have an account or debt with LVNV Funding. My information was sold without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

After verifying all my information correctly I still wasn't able to receive my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whomever This May Concern : My name is XXXX XXXX XXXX. Diversified Consultants has reported a collection account to my credit report that doesn't belong to me. It says it is through XXXX XXXX XXXX. I have attached a police report due to fraud that I have experienced. This account is not mine. I have not ever had an account with XXXX XXXX XXXX and I would appreciate this account being removed from my  credit report asap.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 15 U.S.C 1681 section 602 A. States 1 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

There are inaccurate charge-offs reporting on my credit report, which I believe is misleading and misrepresents the nature of the debt in question. The entry reported as a charge-off is, in fact, a cancellation of debt that has been processed with the IRS. I have received a Certificate of Indebtness from the creditor, confirming that the debt has been officially canceled. As per IRS guidelines, this cancellation of debt is considered taxable income, not an unpaid debt. According to the Fair Credit Reporting Act ( FCRA ), only accurate and complete information should be reported on a consumer 's credit report. Since this charge-off represents a cancellation of debt and not an outstanding obligation, it should not be classified as a charge-off. Reporting it as such is inaccurate and has lead to mis information to potential creditors about my creditworthiness. i received from the company a 1099c canceled debt. i have also opt out with the companies as well in written, unwritten, verbal, and nonverbal authorizations they have been opted out. The Credit bureaus have been Violating the Fair Credit Reporting Act ( FCRA ) definition of accuracy under Section 1681e ( b ) requires a focus on objectively and readily verifiable information, which may require consumer reporting agencies to accurately report information derived from the readily verifiable and straightforward application of law to facts.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$4100.00} ; XXXX  XXXX Balance : {$7900.00} ; XXXX XXXX XXXX Balance : {$7700.00} ; XXXX XXXX Balance : {$9400.00} ; XXXX  XXXX XXXX Balance : {$3100.00} ; XXXX XXXX  XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX & XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$3500.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed these inquiries were placed on my consumer reports. I do not wish to disclose such information on my reports as I did not give consent for these hard inquires to be placed on any of my consumer reports. Thank you for understanding. Below are the inquiries I wish to be removed from all consumer reporting agencies as soon as possible. I am aware that in order for anything to be furnished on my consumer report you must have my consent, in which at this time I DO NOT GIVE YOUR COMPANY CONSENT TO FURNISH ANY INFORMATION about me. 
XXXX XXXX. XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have informed for almost 11 months account with XXXX XXXX is not mine.XXXX  provided proof that the other 2 major credit bureaus has done investigations and determined identity theft provided police reports as well as identity theft reports to suffice and support claim, still no resolve was advised that would get info blocked should take XXXX hours still was never done. I call several times get representatives that hangs up transfers your call and tell you they are taking care of it and they dont. I have advised that next steps will be legal proceedings against the corporation.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : XXXX XXXX XXXX I'm sending 4 attachment files with complaint letters, names & evidences of documents, that will further expound my complaint toward XXXX of XXXX XXXX, XXXX XXXX ( Financial Director ), XXXX ( Sales Manager ) and XXXX Credit, XXXX XXXX XXXX Compliance Manager ). 
File 1 - Complaint letters of unauthorize inquiries, witness letter, XXXX XXXX XXXX ... 
File 2 - Evidences of proof reaching out - excessive unauthorize inquiries XX/XX/XXXX File 3 - Evidences of proof Credit Bureau Reports from XX/XX/XXXX - XXXX, XXXX File 4 - Evidences of proof Credit Bureau Reports from XX/XX/XXXX - XXXX, XXXX File 1 Contain 8 - documents : 1 Introduction letter of " Step 1 - 5 '' 4 personal letters of unauthorize inquiries 1 letter my wife XXXX XXXX XXXX 1 letter from XXXX credit inquiry and 1 letter from XXXX XXXX rescinding inquiry ( that dated XX/XX/XXXX instead of XX/XX/XXXX File 2 Contain 5 - documents : Reaching out to XXXX Credit ( Compliance ) on XXXX, XXXX ( email ), XXXX XXXX XXXX of XXXX XXXX XXXX Customer Care Team & XXXX XXXX ( Financial Director ) on XXXX, XXXX & recent on XXXX XXXX, XXXX ( email ) File 3 Contain 4 - documents : 1 return letter to Consumer Dispute Request 3 Credit Bureau Reports from XX/XX/XXXX XXXX, XXXX * ( see File 1 - personal letters pages 1,2 and XXXX  XXXX letter ) * File 4 Contain 8 - documents : Reaching out in person on XXXX XXXX, XXXX 3 credit reports from XXXX  and XXXX XXXX XXXX ( see File 1 - personal letters pages 3,4, XXXX 's letter and XXXX letter ) ** XXXX XXXX XXXX, XXXX XXXX ** ( see File 1 ... ) ** XXXX XXXX XXXX XXXX special note ) : reported excessive inquiries Step 1 - Unauthorize usage of my credit XX/XX/XXXX - XXXX, XXXX ; XXXX XXXX - XXXX, XXXX Step 2 - Refuse to correct/remove illegal activities Step 3 - See attachments File 1, 2, 3, 4 Step 4 - XXXX - XXXX of XXXX XXXX XXXX XXXX Credit Step 5 - XXXX XXXX ( Financial Director ) and XXXX ( Sales Manager ) of XXXX - XXXX of XXXX XXXX XXXX XXXX XXXX ( Compliance Manager ) and XXXX XXXX ( Compliance Coordinator ) of XXXX Credit
Product: Credit reporting, credit repair services, or other personal consumer reports

incorrect amount, incorrect high balance incorrect last activity incorrect last payment date
Product: Credit reporting or other personal consumer reports

I sent a letter out on XX/XX/XXXX to XXXX, Transunion, and XXXX. Here is my tracking number : XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. If the completeness of accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall. free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2023 i notice when XXXX XXXX XXXX as known as XXXX pulled my report they have accounts that isnt showing on my actual report anymore which is considered a violation of bein unfair of reporting falsley information and inaccuracy... however the accounts that they have showing is showing late payments and that is inaccurate fasley information which is a violation under the fcra act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I NEED COMPLAINT XXXX REOPENED This is NOT ok I have yet again called BRIDGECREST. Time and date stamp before their phone hung up on me : XX/XX/XXXX XXXX total of 14 min. 

Provided the information THEY asked of me to do in the previously filed CFPB complaint XXXX which was call them. Got some poor girl who answers calls, she listened to why I was calling, placed me on hold to speak with the Debt collection department. I assumed she was transferring me, she did not. She got back on the phone to say, they needed my updated address because the letter they mailed was sent to the wrong address. ( funny because I moved XX/XX/XXXX and have mail forwarding. I also just recieved a letter from them today dated XX/XX/XXXX for unknown reason.i will scan and upload here ) I again let her know that I was calling because THEY wished I call them again and the CFPB NOTE to speak them about a removal of the account in question for an goodwill gesture was from a XXXX XXXX She attempted to research their employee directory for this individual and said she doesnt exist in BRIDGECREST nor XXXX. 
So then I asked if she could just transfer me to that debit collection department that I kept being placed on hold so she could attempt to get an answer. I was told that they do not take public phone calls. THIS IS WHY CALLING THEM IS IMPOSSIBLE AND ITS EASIER TO EMAIL AND MAIL CORRESPONDENCE.I HAVE EVERY SINGLE LETTER THEY HAVE MAILED AS PROFF THAT THEY ARE GETTING MESSAGES FROM ME. 

So now what? I have been lied too, cheated, and harassed by BRIDGECREST. I demand a letter showing the deletion of this account within 5 days, email and mailed, or we will be filing suit. XX/XX/XXXX for multiple FRCA violations. 

They have yet again received my address, and also have my email address since I have XXXX emails from them as well. But here it is again. XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Late payment was listed on my credit report which is an invasion of privacy. XXXX XXXX for Car payment which was paid is listed as Late.
Product: Credit reporting or other personal consumer reports

Equifax has my credit file blocked and I am unable to access my report or score. I moved and they state they can no longer verify my identity because I have a new address and so my file was blocked. I was told to mail a copy of my DL and SSN to XXXX XXXX XXXX XXXX, GA XXXX. I mailed the requested documents on XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX. I have reached out to Equifax weekly to confirm receipt of the documents and each time am told that they have not received them. Multiple representatives and XXXX supervisors have confirmed the address I am mailing the documents to as being correct. I have asked for an alternate address so that I can overnight the documents and be able to track them for receipt and am being told that is not an option. I have asked for a fax number or email address to submit documents and have been told that is not an option either. Meanwhile, my credit file continues to be blocked and I am not able to access it. This is affecting me being able to move as apartment managers are not able to access my credit file in order to complete housing application approval.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was XXXX  for 19 years, and XXXX  on XX/XX/XXXX. I was able to briefly see that someone took a car out in my name, credit cards, etc. then I get a letter from franchise tax board saying I owe {$2000.00} or else from XXXX. I began my XXXX  in XXXX. I tried calling them and credit bureaus with no success. Experion, XXXX, XXXX, etc. all gave me run around and blocked me out. I filled out all the paperwork they required online and then wrote me saying the info was a problem so couldnt send my free report.
Product: Credit reporting or other personal consumer reports

Accounts Affected by the Crime FTC Report Number : XXXX First Name : XXXX Last Name : XXXX Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Phone : XXXX Email : XXXX I have never authorized these charges on my credit. I have not supplied proof under the doctrine of estppel by silence, Engelhardt v. Gravents ( mo ) XXXX XXXX XXXX, i presume that no proof of alleged debt, noe therefore any such debt, in fact does not exist. 
Fraudulent Auto Loan or Lease Company or Organization : XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$9500.00} Fraudulent Rental of Apartment or House Company or Organization : XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$5800.00} Fraudulent Mobile Phone Account Company or Organization : XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$2800.00}