23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Pursuant to 15 USC 1692c. ( C ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums. Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and original creditor I am demanding all of the following : XXXX out the balance on this account. Grant me my title lien free. Pay the attached invoice and compensate me for every violation labeled in the attached exhibits. Deletion from all consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, I went to my local IRS office to talk about my personal incomes taxes and was advise at that time that someone from California Edd and Maryland EDD has filed unemployment under my name and social security number. California someone has collected {$12.00}, XXXX and Maryland {$11000.00}. this place in XXXX and XXXX i have attach copies of my taxes transcripts as well My reports numbers for California Edd # XXXX FTC report number # XXXX Police Report number XXXX I don't believe none of these agencies are doing anything about it IRS , and the Edd offices as well. I don't feel protected at all and i am seeking damages and the security of my personal information. I am allowing 30 days to have my credit updated, taxes updated, and I want the people who did this so i can sue them or I will come after these companies
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Bank/XXXX XXXX sold my account to portfolio recovery. I contacted both companies to settle the account. Between XX/XX/XXXX or XX/XX/2016 I made a settlement with portfolio recovery to pay my debt and have it removed from my credit report. XXXX XXXX and XXXX bank is reporting paid in full/paid collection. This should have been removed completely. I would like this removed from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies in the reporting of my XXXX XXXX  account ( Account # XXXX ) on my credit report. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure accurate and complete reporting of consumer credit information. However, I have identified several discrepancies among the reports from TransUnion, Experian, and Equifax and this account must be deleted immediately.

Discrepancies in Reporting : 1. High Balance Discrepancy : TransUnion : {$6800.00} Experian : {$0.00} Equifax : {$6800.00} This amount should be reported consistently across all bureaus.

2. Date of Last Activity : TransUnion : XX/XX/XXXX Experian : XX/XX/XXXX Equifax : XX/XX/XXXX The date of last activity should match across all reports.

3. Date Reported : TransUnion : XX/XX/XXXX Experian : XX/XX/XXXX Equifax : XX/XX/XXXX Equifax has an incorrect date reported. 

4. Creditor Remarks : TransUnion : Canceled by credit grantor Experian : Unpaid balance reported as a loss by the credit grantor Equifax : Accounts closed by credit grantor These remarks should be consistent across all bureaus.

5. Payment History Discrepancies : Experian shows inconsistent late payments ( OK status, followed by XXXX, XXXX, XXXX, XXXX, XXXX  days late ) and then charge-off ( CO ). 
Equifax displays a different late payment timeline and charge-off reporting.

TransUnion does not report any payment history at all, which is an inconsistency.

Under the FCRA, I request that you delete this account since it is reporting inaccurately. Thank you for your prompt attention to this matter. I expect a deletion within the 30-day period required by law. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was a victim of Identity Theft when my data was stolen from XXXX on XX/XX/XXXX. 
A fraudulent account under my name and social security was opened by an unknown person at XXXX XXXX on XX/XX/XXXX. The account number given to me by XXXX XXXX is XXXX. 
The claim filed against me on XX/XX/XXXX, was issued by XXXX XXXX XXXX XXXX for the amount of $ XXXX numerous calls to XXXX, and their refusal to help, they referred me to the Law Offices of XXXX XXXX XXXX XXXX 
On XX/XX/XXXX I filed an Identity Theft Report with the State of Florida XXXX XXXX of XXXX, XXXX XXXX XXXX, report number XXXX. 
I have also filed a report with the www.identitytheft.gov
Product: Credit reporting or other personal consumer reports

THE INFORMATION LISTED BELOW WHICH APPEARS ON MY CREDIT REPORT DOES NOT RELATE TO ANY TRANSACTIONS THAT I HAVE MADE OR INITIATED BELOW : XXXX XXXX XXXX
Product: Checking or savings account

well that was weird I had just finished written my complete statement check the box to okay for publishing.finished up my part of my expectations on my needs and whole thing vanished.This has happend several times. I'm Not Kidding the problem is this very exact thing happened 4 years ago with the same bank.I started XXXX weeks prior to the XXXX XXXX XXXX XXXX XXXX That's How much time I had on my card and Someone Cancled my Card when I requested my New Card, added to the 4 1/2 months it took them be for I received it last time it was the most inhuman experience I have been through And I'm getting the same exact treatment this time.Yes I have caled them spoke to them count less hours already.Sorry I refuse to ever be treated like that ever again.Thanking You.
Product: Money transfer, virtual currency, or money service

I have an account with Wells Fargo and I havent received any info regarding the law suit. I need to know if Im entitled to any money
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several disputes regarding erroneous information on my account which keeps getting ignored. Im beginning to suffer mental anguish and heightened stress from having to continually submit disputes to have incorrect information deleted and or updated to accurately reflect my credit score. This is affecting my ability to purchase my first home because the scores are not being updated with accurate information across all 3 bureaus. 

For starters late payments are being reported when it is illegal to do so. Based on my interpretation of 15 USC 1681A, section 2 titled exclusions : transaction history is not included in consumer reports. Isnt payment history considered a TRANSACTION? Please clarify the bureaus interpretation of what late payment history is considered. The following accounts are being reported as late and I am demanding that the late payment history is updated. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX is showing as a collection account when it was not in fact a collection. I am requesting deletion after requesting validation that has not been done. 

XXXX is a fraudulent account that continues to report and I have request deletion several times. 

XXXX XXXX has several errors in reporting. It shows as a closed account with a past due balance. How is that even possible when you guys claim to have accurately validated this account? In addition this amount keeps increasing and the status being updated as if this account is still open and active therefore SERIOUSLY affecting my credit rating and causing me great financial and emotional harm. At this point its unbearable and something has to be done. 

Credit card usage is not being updated to reflect the correct utilization. XXXX XXXX, XXXX and XXXX balances are incorrect and have been. Based on the creditors reporting date these are past due for an update that reflects ACCURATE utilization. Because it hasnt been updated and is greatly affecting my scores I cant qualify for a home loan which violates my rights. 

In addition XXXX XXXX  is reporting twice for the same exact account. Thats false and fraudulent. 

Lastly the personal statement showing on my credit was not AUTHORIZED. I do not want to be classified as a fraud victim because it negatively affects me when creditors pull my report. Its essentially a scarlet letter and is discriminatory. I do not want any personal statements reflected on my credit report for this reason. 

Please also update the following information to reflect accurately : Employer SELFEMPLOYED is not accurate I am not also known as XXXX, XXXX, XXXX. This is a catch all and my name has never been that.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX  # XXXX, XXXX  XXXXXXXX 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, credit repair services, or other personal consumer reports

On XX/XX/2022, I was notified by XXXX of an inquiry into my credit by Bank of America, which I did not authorize nor have I had any contact with Bank of America in about 8 years, when I closed my checking account with them after many unauthorized transactions had occurred. Neither XXXX nor XXXX XXXX show the reason for the inquiry into my credit, which is listed on XXXX. 


I did call the Fraud Department at Bank of America and was told there was no record of an inquiry in their database, however, the inquiry IS listed on my credit report as Bank of America. 

I would appreciate any help you could give in clearing this matter up so I can get this inquiry off of my credit, as I did not at any time authorize Bank of America to make this inquiry. 

Thank you.
Product: Mortgage

First Citizens Bank did a construction loan in XX/XX/XXXX for XXXX and XXXX XXXX. I did the grading for their new home which was completed in XX/XX/XXXX. I filed a lien with the XXXX County Clerk of Superior Court on XX/XX/XXXX. 

XXXX XXXX, Manager at First Citizens Bank ( XXXX, NC branch ) managed to facilitate closing this loan with the lien attached that has not been satisfied. XXXX, XXXX and XXXX had knowledge of the lien prior to closing the loan. 

I was told by a loan officer at First Citizens in XXXX, NC that a loan could not be closed with an outstanding lien. So, why have I not been paid? 

I suspect that XXXX XXXX ( homeowner ) has committed the fraudulent, felony act of forging my signature on a XXXX XXXX and XXXX XXXX ( banker ) has made attempts to conceal it. He has even asked a former co-worker to sign a non-disclosure agreement when she resigned from First Citizens Bank. 

It should be noted, the general contractor also filed a lien and perfected it with a lawsuit which is pending in XXXX County Civil Superior Court. I consulted an attorney about perfecting my lien with a lawsuit, but I could not afford to proceed with civil action. 

Regardless of what has taken place, I just want to be paid for the work that I did for them.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the effort to CORRECT some of the data in my credit report, but XXXX account still has to be repaired. The XXXX credit bureaus are required to verify this account in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( A ). I'm hoping the disputed account will be amended right away. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XX/XX/year> Complaint : Improper Use of Credit Report Dear Consumer Financial Protection Bureau- I am writing to inform you in accordance with the Fair Credit Reporting Act, the list of accounts below as well as XXXX XXXX XXXX XXXX and XXXX Reporting Companies have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681.

Accounts : Kohls, PNC 15 U.S.C. 1681 Sec 602 A- States I have the right to privacy.

15 U.S.C. 1681 Sec 604 A Sec 2- Also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) Sec- States no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate. 



XXXX, XXXX, and XXXX Reporting Company used my report improperly and are in violation to my rights under 15 U.S.C. 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is regarding an existing issue with XXXX and Experian XXXX  account # XXXX This is a fraudulent inaccurate account and have multiple inaccuracies on the accounts such as reporting different opening dates and has different dates last reported that are not in proper METRO 2 format and the account do not reach FCRA requirements.XXXX I have previously disputed this account and it came back verified without any proper investigations. because if they would have did a proper investigation they would have seen that these are fraudulent and inaccurate accounts that have really been effecting me financially and also have caused defamation of character. According to law 15 U.S. Code 1681- ( a ) Accuracy and fairness of credit reporting. ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Checking or savings account

So on XX/XX/2022 i was in the process of transferring XXXX payments of the amount of $ XXXX from my XXXX onto my chime online banking account to pay my bills online. But somehow while the first transfer of {$510.00} was in the process of depositing. I also did another transfer for the anount of {$500.00}. XXXX stated that it was going to take up to 3 business days for the payment to be posted. So i waited to make sure its posted so i can pay my bills. Then when i check on XX/XX/XXXX, there was a charge of {$500.00} being done at XXXX on the XXXX and a charge of {$500.00} being charge at another XXXX without me knowing until its too late. I thought that my small wallet and phone was stolen when i went shopping with some friends and i told the rep i called for a dispute of the two transactions. Later on Ive located my belongings as it actually fell in the crease of the car seats. I did noticed that my phone had a lot of weird scam calls and texts from weird numbers. I later realized that my phone have been hacked somehow and my cards was skimmed. There was a time i remember there was a lady who asked to see if i can give her my phone to make a phone call as she didnt have her phone. I gave it to the lady without thinking much of it because its just a phonecall. At that time i just had my chime card and i had it in my wallet with some of my other cards. My credit card had been used as of fraud as well and im still ongoing investigation with them to get my money back because i just paid off my balance. I do not find any reason to use soo much money at a XXXX when i can just shop somewhere else. I do not have any evidence that will back up my dispute but my dispute had been denied 3-4 times as they see no error occurred when clearly there is. I had to do a fraud alert and freeze my credit just in case any suspicious activity happened again. Please help me onto getting back my money. This is my hard work of 2 weeks pay. I also did contact XXXX and they couldnt even help me onto getting my refund. Please help me.
Product: Debt collection

A few years ago when the XXXX  breach occurred, I checked my free credit reports for all 3 bureaus and noticed a Macys account was opened fraudulently on XX/XX/XXXX, I disputed this account with Macys directly and it was closed by them on XX/XX/XXXX. On Thursday XX/XX/XXXX ( 4 years later ) I received a collection letter from XXXX XXXX, collection supervisor @ XXXX XXXX. Today, XX/XX/XXXX, I sent an email to XXXX ( email on the letter ) disputing the validity of the debt. I have also sent a copy via mail to this office, the CFPB, XXXX, FTC & Massachusetts AG office. Thank you!
Product: Debt collection

Transworld Systems contact my cell # on XX/XX/19, XX/XX/19 ( two times each ) XX/XX/19 again asking for someone other than me ( that I do not know ). I asked them to please stop calling. they were recording this conversation so that should have been the end of it. today XX/XX/19 they called again XXXX in the XXXX ( outrageous ) disregarding previous requests to stop contacting me - they have the wrong number. Now they are harassing me. I do not have any debt. I do not know the person they keep asking for. 
Thank you!
Product: Mortgage

I purchased my home in XXXX of XXXX. My original mortgage payment was {$1000.00} on a 30 year conventional mortgage at 3.875 %. I received a break on my mortgage payments on the XXXX XXXX Assistance. I was originally told by my mortgage company that they were working out a Loan Modification for me that would put my missed payments to the end of my mortgage. They were only contacting me to request more documentation from me. I provided everything they had asked for on a timely basis. They told me that while this was being done that I could not make any mortgage payments during this process. They informed me that they would not accept any payments from me and if I were to provide them with any payments it would stop the modification and I would then be responsible for all of the arrearages. They were not in contact with me to let me know what was going on, they actually treated me like it was none of my business what they were doing. I kept contacting them to find out when I could make a payment, as I was well aware that it was getting further and further behind. I contacted them in XXXX and verified that they had all necessary documentation from me, which they agreed. I again questioned when I would be able to resume my payments and they told me that it should be by XX/XX/XXXX. Well, here it is XX/XX/XXXX and I again called them. I was informed that I did not qualify to have my missed payments put to the end of my mortgage, with a credit score of well over 700. My new payment would be over {$1500.00} per month at over 7 % interest. Supposedly, all conversations were recorded. I need to rectify this A.S.A.P.
Product: Credit reporting or other personal consumer reports

XXXX is inaccurately reporting things on my credit report, showing old account not properly investigating accounts showing multiple discrepancies.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and distress regarding the inaccuracies found on my recent credit report. Following a thorough investigation, I uncovered numerous unverifiable, invalidated, inaccurate, and questionable items that your agency has failed to report accurately. 

These errors have had a profound impact on my financial stability and mental well-being, causing severe distress and frustration. It is unacceptable that your agency did not ensure the 100 % accuracy mandated by law under the Fair Credit Reporting Act. 

I demand immediate action to rectify these inaccuracies. Your agency must conduct a thorough review of the disputed items and promptly correct any errors found. Failure to address this matter with urgency will leave me with no choice but to pursue legal action to seek restitution for the damages caused by your negligence. 

I expect a prompt response detailing the steps taken to address the inaccuracies on my credit report.
Product: Credit reporting

Equifax will not remove a Paid Tax Lien from my credit report after numerous, Disputes with them, in the disputes i sent the information the County and State Sent me. I contacted the State of Ohio Attorney Generals office and they informed me that they have sent letters to expunge the Tax Lien From my record. XXXX, and XXXX have both removed the Trade Line. But Equifax continues to report it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I paid {$200.00} to XXXX XXXX XXXX ( c/o XXXX   XXXX, XXXX ). I received a receipt dated XX/XX/2020, confirming that the {$200.00} paid was the amount reached in a settlement agreement and that the account was settled in full. I was told the account would report to the credit bureaus as settled in full within 30 days. However, the company has NOT updated the reporting. I called them and they a knowledge that the settle amount was paid as agreed in XX/XX/2020. But they still will not update to the bureaus. This is the most unscrupulous creditor I have ever worked with. Please hold three people accountable for incorrectly reporting my account as delinquent a month after I paid an settlement agreement AND the acknowledge said agreement! Thank you.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports