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

I have tried to dispute these inquiries with Equifax on XX/XX/19, they have refused to delete each and every last one of the unauthorized inquiries by saying they were factual with no written proof/signatures that I authorized these inquires on my report. Saying they are factual is not sufficient enough investigation as to them being factual.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why is this on my credit report i cant locate it..based on my research, XXXX-XXXX  sold this information to the credit bureaus, Reporting public records when courts itself do not furnish any of this information! This is illegal so remove it or verify it with the court system. Chapter XXXX Bankruptcy Discharged XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts. Please remove them immediately. Thank you.
Product: Credit reporting or other personal consumer reports

I submitted A FTC Identity Theft Affidavits to XX/XX/XXXX  TransUnion, CEO XXXX XXXX, Controller and Underwriter. Have not deleted negative items off of my consumer report. the negative items are inaccurate, damaging my character, false reporting. Breach of Security and Rights to Privacy. In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and Metro 2 guidelines for accurate consumer credit reporting, I am formally requesting an immediate update and correction to my credit profile. This notice serves as my formal request under federal and applicable state laws, including but not limited to FCRA 611 ( 15 U.S.C. 1681i ) and state regulations, to ensure my credit report is complete, accurate, and free from any erroneous or outdated information
Product: Credit reporting, credit repair services, or other personal consumer reports

I have pulled my report and there are accounts reporting inaccurately. I know that credit reporting agencies are supposed to report only 100 % accuracy. I have not received any investigation procedure on these accounts. This is obviously a violation of my rights Under 15 USC Code 1681e ( b ) and 15 USC code 1681i ( 5 ). Below are the accounts being reported. 

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

The account for XXXX XXXX XXXX, XXXX went into to chargeoff on XX/XX/XXXX. Since XX/XX/XXXX it has been reporting inconsistently to XXXX  and experian. XXXX of XXXX i called to see what i could pay ... i was told i owed {$19000.00} for a c/o that is {$9600.00}. Once an account has been listed as charge off it should nolonger accumulate interest fees. They updated my account with a past due balance of {$20000.00}. On XX/XX/XXXX i sent in to both credit bureaus requesting they verify and update this information. Still both are showing inconsistencies in the balance and late payments. I was sent an update from XX/XX/XXXX that still showed my balance with accumulated interest fees and also reported on time payments for the year of XXXX. I have not made a payment bc the balances are inaccurate.
Product: Prepaid card

My Citi prepaid card expired ( XXXX XXXX ) as I did not check the date and was saving the same for special day gift. ( balance {$96.00} ) I called the customer service and was told that It its expired and nothing can be done and money is lost too. Feel so bad how Citi can do like this.
Product: Mortgage

To whom it may concern my name is XXXX XXXX The house was on XXXX XXXX XXXX XXXX XXXX pa XXXX loan # XXXX. 
Some where around XXXX and XXXX I applied for a loan modification with Wells Fargo my lender I applied over and over never to receive a answer of a loan modification the house went into foreclosure and I was evicted in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act this creditor has violated my rights under 15 usc 1681 section 601 states i have a right to privacy, 15 usc 1681 section 604a 2 also states a consumer reporting agency can not furnish an account without my written instructions, 15 usc section 1666b a creditor may not treat a payment on a credit card account under an open ended consumer plan as late for any purpose. My data was breached by the cfpb, XXXX, transunion and XXXX.
Product: Money transfer, virtual currency, or money service

DEAR CONSUMER FINANCIAL PROTECTION BUREAU SO IM SUBMITTED WRITTEN ONLINE EMAIL REQUEST ABOUT IM HAVING DELAY PROBLEM ISSUES WITH BUSINESS FINANCIAL COMPANY GOES BY THE NAME OF INGO MONEY INC SO ASLO I CAN EXPLAIN MORE DETAILS ABOUT THE PROBLEM ISSUES IM HAVING WITH INGO MONEY INC SO THE BUSINESS FINANCIAL COMPANY OFFER CHECK CASHING SERVICES FOR SMALL FEE OF FIVE DOLLARS PROCESSING FEE SO THE MAIN PROBLEM ISSUES IM HAVING WITH INGO MONEY INC SO THEY HAVE CLOSE MY ACCOUNT AGAIN THAT I CURRENT PROCESS CASH PAYROLL CHECK THREW THIS MY SECOND TIME IN ROW HAVING DELAY PROBLEM ISSUES WITH CHECK SO I RECIEVE XXXX DOLLARS CHECK IN THE MAIL TODAY AND AFTER I FIRST RECIEVE THE CHECK I READ OVER THE CHECK I SIGN BACK OF THE CHECK ENCLOSE AND WENT TRY TO CASH DEPOSIT ITS INTO MY INGO MONEY APP ACCOUNT & THE ERROR MESSAGE IM GETTING FROM  MY INGO MONEY APP ACCOUNT ITS SAY MY ACCOUNT HAS BEEN PUT ON HOLD AGAIN AND THEY DID NOT CONTACT ME BY MAIL ARE EMAIL ARE BY PHONE TO LET ME KNOW MY ACCOUNT HAS BEEN CLOSE AGAIN SO THIS PROBLEM ISSUES HAS CAUSE VERY HARDSHIP TIME WITH THE BUSINESS AND CONSUMER CUSTOMER SO IM THINKING WHY THEY KEEP FREEZE MY INGO MONEY ACCOUNT ON HOLD INGO MONEY CUSTOMER SERVICES PHONE NUMBER XXXX  INGO MONEY INC EMAIL ADDRESS XXXX unapproved check purchase amount CHECK TRANSACTION PURCHASE AMOUNT DID NOT GO THREW WITH THEM FUNDS DID NOT CLEAR INTO AMERICAN EXPRESS PREPAID BLUEBIRD CARD ACCOUNT SO INGO MONEY INC ARE NOT GOOD COMPANY TO DO BUSINESS WITH
Product: Debt collection

When I looked at my XXXX report I noticed a account that is not accurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates... 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is not accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent accounts are reporting own my credit report XXXX/XXXX  XXXX DEPTEDXXXX   XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have sent dispute letters to Equifax, XXXX, and XXXX 5 different times. I have not recieved any results from them. I have attached my 3 bureau report showing all of the errors in the account. Please help me resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX, # XXXX, and # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I procured a credit report with XXXX XX/XX/2022 and after getting a copy of my report, I called Transunion because I saw some UNVERIFIABLE items on my personal profile ; I detected that there was a CHARGE OFF account XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX on my credit report which is UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was 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 information relating to any transaction by the consumer.

A copy of my Utility Bill, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by TransUnion not blocking these items are inadvertently resulting in me being extorted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to file this formal complaint to ELAN FINANCIAL SERVICE. I sent them a letter last XX/XX/2022, and XX/XX/2022, regarding the inaccuracies in my report such as the date of last activity, date opened, date reported, payment status, incorrect late payments, amounts reflected and etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times.15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.
Product: Vehicle loan or lease

I purchased a vehicle thru Carvana and with it I also purchased XXXX XXXX through them. XXXX XXXX  is the XXXX XXXX provider. Paid XXXX for it. The vehicle ended up totaled by my auto insurance, which they paid most of the car off about 7 months ago. Since then, XXXX XXXX website says they received all paperwork except for police report. I then went down to the Police station and paid for a copy of the report, then sent it to XXXX. XXXX XXXX then said the police report is not good enough. The report I gave is the report the police created and charged me to obtain. Also, in the Caravana contract with XXXX XXXX, it states a police report only if XXXX is created. Back and forth I sent the police report, only for XXXXXXXX XXXX to deny it as XXXX, and say they need XXXX. Meanwhile, I have made the payments for 9 months after the accident, and the car is now paid off by me. I paid XXXX for XXXX XXXXXXXX from XXXX XXXX. The Vehicle was totaled, I am due the amount left over after my car insurance made a payment of over XXXX grand to the loan. The amount due to me from XXXX XXXX is in the several thousands. The police report the deny was created by a police officer and obtained by paying a fee.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( 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 process 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: Mortgage

On XX/XX/XXXX, I closed the refinance of my home with XXXX XXXX XXXX ( XXXX ). XXXX was my mortgage broker, holder, and servicer. As I do with any loans I have, I setup automatic payments to ensure that I have consistent timely draws on my account and am never late on a payment. My perfect credit for not having any late payments or any other derogatory item on my report for over 15 years was a reflection of that. 

On XX/XX/XXXX at XXXX, I reluctantly answered a call from an unidentified phone number ( XXXX ), which my carrier ( XXXX XXXX XXXX XXXX labeled as Spam Risk. On this call the person claimed to represent Carrington Mortgage Services, that Carrington was now the servicers of my mortgage, and that they havent received a payment from me in 6 months. This information was quite flabbergasting, as I had never heard of Carrington Mortgage Services until then and in this alleged 6 months I never received an email from XXXX or Carrington about the change in servicing, received no certified letter, and no voice message was ever left. On a random happenstance that I answered this particular spam call, of which I receive and ignore as many as 10+ different spam calls a day, I find that I am now in the rears on my mortgage and needed to pay 6 months of mortgage payments all at once. Luckily, I was able to maneuver my finances and scheduled this payment for XX/XX/XXXX. As of XX/XX/XXXX, my account showed that that payment has cleared. 

Over the 15+ years I have owned this home, my mortgage has changed hands many times. The original mortgage changed hands three times, first refinance changed hands twice, and now the second refinance twice. In all of those transitions, except this one, I was contacted successfully and the transition was relatively painless. In the world we live in today, spam calls are at epidemic levels and the influx of mortgage related spam mail after a mortgage is filed is quite heavy and persists for a year or more. Hence, calling from an unidentified number and sending plain mail is insufficient and frankly unacceptable, especially considering the magnitude of a mortgage. Carrington 's communication policies are insufficient for the current time and climate in which we are living in.

Carrington 's insufficient communication has resulted in an accumulation of late fees and derogatory reports to my credit report without prior communication that a debt was owed to begin with. I contacted Carrington and submitted a dispute through their process. They responded that they would not correct the credit reporting or adjust the late fees. As I understand it, this type of institutional behavior is the very reason that the Consumer Financial Protection Bureaus ( CFPB ) and the Debt Collection Rules as defined in the Fair Collection Practices Act ( FDCPA ) XXXX XXXX, XXXX were created. It is my belief that Carrington has violated the FDCPA by reporting without sufficient notice inflicting undue harm on the consumer.
Product: Debt collection

Spring Oaks Capital LLC, is reporting me adverse and negative on my credit report. The account they are reporting is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file.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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ, XXXX EMPLOYER - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting 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 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section 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 that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>XX/XX/XXXX had XXXX to fraudulently open an account in their name on my credit profile for the amount of {$340.00}. I am asking that this account is removed immediately. Thank You.
Product: Debt collection

On XX/XX/2021 i was served with papers by the sheriffs dept. I thought it was over medical bills. This was actually a credit card account opened with XXXX XXXX credit card company that I did not open. On XX/XX/2021 i received in the mail a Motion for Default Judgment to appear on XX/XX/2021 in my local court. The company taking me to court is Midland Credit Management INC. I asked questions of how this account was started, what charges were made, if there was online orders. I was told they couldnt provide me with any information. only the day the account was opend and then closed. 
I explained to them that i had been paying. Explaining that I thought it was medical bills, but found out it was this credit card I did not open. Electronic withdrawals have been taken from my checking account. Dates of the withdrawals were, XX/XX/2021 confirmation XXXX {$12.00}, XX/XX/2021 confirmation XXXX {$10.00}, XX/XX/2021 confirmation XXXX {$10.00} and XX/XX/2021. confirmation XXXX. They say nothing has been paid on this bill. I inquired to where these payments have been going and my answer was send them the confirmations numbers and they will look into it. I requested so speak with someone regarding payments and i was then placed on hold without anyone getting back with me. 
I also explained that I am on XXXX XXXX and and my only income was XXXX. This is the second account opened in my name. the prior was at a XXXX XXXX XXXX. 
I requested information from Midland Credit Management about that card, date opened, what store, a photo copy of the XXXX XXXX. never got any response from Midland. 
Any help or guidance or help would be so appreciated.