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

As of XX/XX/2022, I submitted letters to the credit bureaus in regards to some inaccuracies and unknown information being reported on my credit reports and as of today, XX/XX/2022 I have not received any correspondence from the credit bureaus about these accounts that are affecting my credit reports and scores. It is my understanding according to Section 611 ( a ), it is plainly stated that failure to do an investigation within 30 days this gives a reason to have the accounts immediately removed from my credit reports. 

I am demanding that these accounts be deleted immediately or I will file litigation due to the stress this has caused me. It also appears that my information has been impacted by the Equifax Data Breach and may have gotten into the wrong person 's access.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged of the items listed below which are showing on my credit report. I therefore request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XX/XX/2021, XXXX XXXX XXXX XXXX XXXX, SD XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XX/XX/2021, XXXX XXXX Balance : {$460.00}, XXXX XXXX XXXXXXXX XXXX : {$1900.00}
Product: Credit card or prepaid card

XX/XX/ contacted Discover They are willing to defer payments due to virus but are still charging an outrageous interest amount and arent willing to remove it. 
I have another credit card that is doing both. These are the only two credit cards I have.

Discover is taking advantage of people with no income by charging outrageous interest rates during this crisis!
Product: Credit reporting or other personal consumer reports

I have been communicating with this company since XXXX of XXXX in an effort to correct vitally important private and personal information that they so carelessly continue to misrepresent on my behalf. In XXXX, I began telling this agency that THEY HAVE INACCURATE and flat out WRONG INFORMATION listed on my credit report. They have yet to correct the items that I requested to be corrected. It is imperative because there are other people who share the same or similar names and addresses as me and I do NOT want to have any of our information mixed up as it has been in the past. This agency has violated every consumer law out there that protects me, my information, and the accuracy in reporting it. I have suffered severe humiliation and financial hardship as a direct result of their negligence. In the LONG months that I have been begging them to do right by me, they have YET to even correct my NAME and ADDRESS?!?! This is a gross misuse of authority as a data furnisher and controlling entity. 

According to XXXX XXXX XXXX XXXX, this bureau is required to ensure MAXIMUM POSSIBLE ACCURACY. The inaccurate accounts and information continually being reported violates these laws : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( b ). Each item in dispute must be deleted immediately.
Product: Debt collection

I called Rent Debt XXXX  and asked them for the contract between them and I. Which also stated the amount I owe them for a rental debt the amount approximately {$7000.00}. Property is located in XXXX, GA. However it is inaccurate, I have the judgement on the case
Product: Checking or savings account

I have a business and I deposited a check paid to me from the University XXXX XXXX. 

For no reason given Bank of America has placed my check on hold for ten days. I deposited the check on Sunday the XXXX of XXXX and Bank of America is holding the check till the XXXX of XXXX. 

I've reached up to the bank and they said they couldn't give me a reason for the hold.

According to federal law they can not just hold my money without giving me any reason, and least for 10 days.

I need that money to pay bills and the bank has no right to hold my money for such lengthy period of time.

Thank you
Product: Credit card or prepaid card

My credit score went down XXXX points due to Nordstrom taking my credit limit down {$700.00} without any notice or reason. My initial credit amount was {$2000.00}. It is now {$1300.00}. I pay on my card monthly. My account is not past due. I was given no communication therefore this extremely effected my credit utilization without notice or reason. My account is not delinquent and is current.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a response from TransUnion on Friday XXXX/XXXX/XXXX stating that the public record being listed on my credit report was " verified '' as accurate per " the source ( s ) to advise them of the dispute ''. 

My problem is that upon reaching out to XXXX on XXXX/XXXX/XXXX, I was informed that XXXX does n't verify any record at all. Instead it is a public site that publishes information that is furnished to them. 

So what " source ( s ) '' are being used to " verify '' that this public record being listed on my account is actually accurate? 

I 've attached the e-mail correspondence between myself and XXXX regarding this matter. 

Please VALIDATE this public record as accurate, or remove the record from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested validation regarding an assumed bankruptcy that is reporting to my consumer report. The reference number along with court names are not reporting the same information between XXXX, XXXX, and Equifax. Also, after I disputed these items and the credit bureaus failed to provide the method of use to validate the account, instead I received a letter from XXXX stating after investigation it was verified as accurate. The term investigative consumer report means information on a consumers character, reputation, characteristics, mode of living is obtained through personal interviews with neighbors, friends, and associates of the consumer. An investigation was not done with any of these sources.
Product: Credit reporting or other personal consumer reports

HI, I am XXXX XXXX XXXX XXXX, I check my credit report for the very first time and I come to find my SOCIAL SECURITY Information has been used to do things that were not mine, i have completed an identity theft report please i ask you help me remove these things that are wrongfully reporting on my file .... this should be illegal to take advatange of ederly people. 
Please see attached. 

ACCOUNT - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX OF XXXX XXXX XX/XX/XXXX- NOT MINE XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - NOT MINE XXXX - XX/XX/XXXX - XXXX XXXX XXXX - XX/XX/XXXX NOT MINE XXXX XXXX MOR - XX/XX/XXXX - NOT MINE XXXX XXXX XXXX XXXX  - XX/XX/XXXX - NOT MINE XXXX XXXX - XX/XX/XXXX NOT MINE - XXXX  XX/XX/XXXX NOT MINE - XXXX OF XXXX XX/XX/XXXX- NOT MINE NEVER APPLIED XXXX XX/XX/XXXX - NEVER APPLIED NOT MINE
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681i - Procedure in case of disputed accuracy, XXXX XXXX is inaccurately reported, please delete immediately!! 
( See attachments ) This in response to my CFPB ID complaint # XXXX Transunion File Number : XXXX Date Issued : XX/XX/year> Please delete this inaccurately reported account from my transunion credit report : XXXX XXXX XXXX XXXX 15 U.S. Code 1681i - Procedure in case of disputed accuracy
Product: Debt collection

I asked for a letter correspondence so I can use a debt management company, still calling me for payment, and calling family members
Product: Payday loan, title loan, personal loan, or advance loan

To whom it may concern : Credit Fresh XXXX XXXX Member FDIC XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, DE XXXX I am writing in complaint with your company loan process that I am trying to pay off, but I have noticed that only a {$10.00} is going towards my principle and your company is collecting {$55.00} out the {$65.00} I am paying every two weeks. It has been a year since I have had this loan open, and it seems as if I will not be able to pay it off because my biweekly payment of {$65.00} is not going to my balance in full. I need this account closed and put in as paid in full. This is considered predatory lending ; you give out a loan that makes it difficult for people to pay off this company should not be able to practice in this manner. I will be seeking an attorney to further review my loan agreement. I will also send this complaint to XXXX for further action. They claim the billing cycle fees but what they are doing is not legal. I hope to join the class action lawsuit along with the other customers who have been wronged by credit fresh. I hoping to get all of my refund back from the overpayment. I have received emails XX/XX/year> stating that I owe and additional {$110.00} because I had a missed payment in XXXX. I have reached out to this company regarding this matter and they have not tried to resolve the debt. They keep asking for more money, I will never get this paid off because they have it set up in away that is not making it possible to do so. I was also told over the phone by customer service when I asked what will it take to pay this loan off and I was quoted another {$1000.00} something dollars, so basically all together I would be paying {$2000.00} dollars. I did not understand the loan application of how it was set up and writting out on how much I would pay back but I only borrowed {$1000.00}. FYI, I have also reported this complaint to the XXXX and they did not receive any response from Credit Fresh.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, Credit Bureau are required by law to remove & block any items which are found to be opened due to identity theft. AGAIN, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

To Whom this may concern, While reviewing my credit report on XX/XX/2020, I noticed an incorrect and fraudulent collection account from Cavalry Portfolio SE. Please note, I do not have an account with Cavalry Portfolio SE and do not agree to debt. I have no knowledge of this account nor have I done any business with this company. I do not have a signed and dated agreement from Cavalry Portfolio SE. I am requesting you to provide validation for this debt. In addition, under the FDCPA, you are also to cease and desist from contacting me regarding this matter unless it is by the United States Mail. This Agency has called my phone numerous times harassing me for an account that I do not owe. I advised supervisor I do not agree to debt and will be filing complaint due to harassment and the lack of professionalism.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is fraudulent on my credit Account # XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX  XXXX is fraudulent on my credit Account # XXXX XXXX  XXXX  is fraudulent on my credit Account # XXXX
Product: Other financial service

I purchased XXXX money orders from Western Union to pay bills. When I learned the payments had not been credited to my account, I contacted Western Union to trace them. Both had been cashed, but not by the payees I had made them out to. Instead, both money orders had been forged to change the payee and the payor. I asked to have my money refunded because Western Union says they will replace stolen money orders. They had me fill out more paperwork. I also provided them with a police report. They refunded XXXX of the money orders, but told me they could not refund the other because the Bank of First Deposit ( XXXX ) did not respond to their claim request that they submitted on my behalf and so they will not take any further action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had several disputes to only correct information such as balances or limits lead to deletion of accounts on my credit reports. When I call to ask what happened they tell me that the creditor or lender said my account was " deleted ''. The most recent dispute was " resolved '' in less than XXXX minutes which resulted in another deletion from my credit report with no listed reason why. I fail to understand why a creditor/lender would tell them that my active account was deleted and why I should then have to call to tell them to report.
Product: Credit reporting or other personal consumer reports

Based on, 15 U.S. Code 168c-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 results from alleged identity theft, no later than 4 business days after the date of receipt.

You have 30 days and if the accounts arent removed you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION! 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 under 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 federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file for the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of the verifiable proof, you must remove the accounts listed below. 



Summary of Accounts being challenged in list form 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

in accordance with the Fair Credit Reporting act XXXX Account # 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: Credit reporting, credit repair services, or other personal consumer reports

I just recently completed the student loan rehab program. Once this is completed, I was supposed to have all late payments removed and the accounts removed from my credit report. I have had the negative remarks removed from my   XXXX   report, but the  accounts have been labeled collections/charge off. Transunion and  XXXX  have yet to make any changed. I called the Dept. of Education and they informed me that they told the bureaus to remove the accounts. So I called   XXXX   regarding this, and they refused to do so. They said that I had to wait until 2018, which is totally different from what DOE is saying. Both the credit bureau and DOE are telling me to speak wit h the other.
Product: Credit reporting or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 
XXXX XXXX XXXXXXXX Balance : {$20000.00} XXXX  XXXX Balance : {$17000.00}
Product: Credit reporting or other personal consumer reports

I am in an inevitable stress due to these inquiries on my report. I have never permitted any of these companies to pull it on my credit and it is affecting my credit scores.
Product: Debt collection

CFPB complaint # XXXX was closed prematurely as the response from Transworld was not correct. We have made several attempts to request they stop calling ANY number associated with XXXX since XXXX XXXX XXXX XXXX utilizes all numbers with this exchange. Whatever number Transworld is calling it is being routed to a phone in our warehouse. We are receiving phone calls daily and need it to stop immediately. If this is not done, we will be forced to take legal action.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my consumer credit report and I found several items on there to be inaccurate. 

Under 15 U.S. code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, any item or information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please Remove the following items from my credit report, immediately : XXXX XXXX ( COLLECTIONS ) XXXX XXXX ( COLLECTIONS ) XXXX XXXX XXXX ( COLLECTIONS ) XXXX XXXX XXXX XXXX XXXX ( COLLECTIONS ) XXXX XXXX XXXX ( COLLECTIONS ) XXXX XXXX ( COLLECTIONS ) XXXX XXXX ( COLLECTIONS ) These fraudulent accounts have resulted in several fraudulent hard inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This account is a direct result of true identity theft, this company is in direct violation of FCRA 1681c-2, which prevents the reporting of fraudulent accounts for which this is inaccurate reporting and a violation of the law and my consumer rights. Furthermore, this company refused to provide me with the original contract they claimed that i signed, they also refused to provide me with the picture identification card used to open this account so that i could asist the investigating officer of my identity theft case. Additionally, FCRA 605B instructs credit bureaus to BLOCK the aforementioned accounts within 72 hours of being notified in which XXXX, EQUIFAX, AND XXXX IS BOUND TO DO BY MANDATE OF LEGISLATIVE LAWTHAT GOVERNS SUCH POLICY AND PROCEEDURES. THIS IS NOT A *DISPUTE REQUEST. THIS IS A REMINDER THAT THEY MUST ADHERE TO THE GOVERNING APPLICABLE LAWS MENTIONED HEREIN! 

IVE INCLUDED AS ATTACHMENTS MY POLICE REPORT, MY PROOF OF XXXX SHOWING THAT I WAS IN XXXX  AT THE TIME THIS ACCOUNT WAS OPENED.
Product: Mortgage

Me and my wife applied for a HELOC. They ran our credit and told us that we were approved. They requested tax information for both of us paycheck stuff for both of us bank accounts from both of us and we gave them all this information. They told us that our application was pending. After a few months past we did not hear nothing from them anymore, which is Bank of America. Me and my wife, call them and try to get an update. We spoke with the loan processor and she said that we never submitted information that they requested, but we have proof that we did and told her we submitted at this day to this email you gave us. She said Ill get back to you. I will investigate this but she did not call us back. I called the customer service number from Bank of America and spoke to a customer service representative told them what happened and they said that they will call me back. They can see what we submitted to them and nothing was missing And yet we have not heard back from them. They ran my wifes credit in mine. I checked it and they did run it to this point Bank of America has not called us back with anything if we got denied or proof.