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

I appreciate your assistance in removing some of the fraudulently obtained data from my credit report, but there is still information that has been passed along that has to be deleted or blocked. Credit Bureaus are required to delete any records listed on an ID THEFT REPORT in accordance with FCRA segment XXXX of the law. I am including this report again because I proactively remembered it from a previous correspondence. My attorney is eager to hold you accountable for your obstinate rebelliousness now that they are aware of my intentions and what I intend to accomplish. 
XXXX XXXX ; XXXX XXXX XXXX  ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX AV XXXX XXXX, NY XXXX ; XXXX XXXX  XXXX XXXX Balance XXXX {$610.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX  XXXX Balance : {$33000.00} ; XXXX XXXX XXXX Balance : {$6500.00} ; XXXX XXXX  XXXX Balance : {$8700.00} XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report. 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer if any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.I received no such notification. I also am a victim of fraud and identity theft, which I found out about 8 months ago. I sent a letter of suppression to block the XXXX XXXX XXXX  XXXX reporting on Experian and XXXX is showing XXXX XXXX XXXX XXXX and XXXX XXXX XXXX reporting, which were both deleted. I included FTC and police report with my ID documents and 605B letter. I am sending it out again this week, since both Experian and XXXX are reporting the inaccurate information still. I want the collection accounts removed as I should have none. XXXX is the only CRA reporting correctly XXXX collections.
Product: Checking or savings account

I XXXX myself {$30.00} from my XXXX account and it reversed in my Discover account and I still dont have the {$30.00} back in my XXXX account and its been several days. Can you please put my {$30.00} back in my XXXX account. I called XXXX and they advise that Discover needs to fix it. All I know I would like my {$30.00} back in my XXXX account since it was reversed now its lost because its not in either account. Thank you for your time. Have a wonderful day!
Product: Mortgage

I got divorced in the state of Pennsylvania USA in XXXX. My divorce ( Decree ) has been valid by a court in XXXX XXXX since XXXX, after this, the court in PR in my favor ordered to the " XXXX de la XXXX " put the title of the Property in my name Only. But the mortgage loan I have been fighting for eleven years to be allowed to pay and the investor and the bank do not authorize it, They said do I need find my ex Husband, this increasing the expenses, costs and attorney 's fees. After 11 years Last XX/XX/XXXX, the court dismissed the investor 's Demand. After this happened, now the bank are saying that they are going to help me. They have been asking me for the same documents for more than 3 weeks, the month of XXXX has just entered and that is more money for the bank and the investor. In my case I was proved and Find out that it is one case with full of misinformation, mistakes and lies. I want to know if my case has been handled properly under the federal Loss mitigation laws. It has been demonstrated and is on record by a court in our jurisdiction that the investor and the bank have not complied, with the law, Know I need the cfpb investigate this particular case and let me Know if the investor and The bank Follow the Federal Rule of Loss Mitigation Laws. step by Step. Thank You.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus 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 are 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. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

as per the XXXX from consumer financial protection bureau ( CFPB ) the document needed and letter from an advocacy group helping me due to XXXX XXXXg debt XXXX, which falls under XXXX  according to XXXX-debt final rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) I kindly request that you block this information from my credit report within 4 business days, pursuant to section 605C of the fair credit reporting act.I am a victim of XXXX XXXX  please block & delete the following accountXXXX XXXX XXXX account XXXX XXXXXXXX XXXX XXXX account XXXX XXXXXXXX XXXX  account XXXX XXXX XXXX account XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach, and I am requesting that the following accounts and inquiries be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were opened or made without my authorization, and I am requesting their immediate removal from my credit report. 
Accounts to be Blocked and Deleted : XXXX. XXXX XXXX XX/XX/XXXX {$00.00} XXXX. XXXX  XXXX XX/XX/XXXX {$00.00} XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX {$00.00} XXXX. XXXX XXXX XX/XX/XXXX {$00.00} XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX {$00.00} XXXX. XXXX XXXX XXXX XX/XX/XXXX {$00.00} XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX {$590.00} XXXX. XXXX XXXX XX/XX/XXXX {$11000.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$170.00} XXXX. XXXX XXXX XXXX XX/XX/XXXX {$00.00} XXXX. XXXX XXXX XX/XX/XXXX {$440.00} XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX {$1700.00} XXXX. XXXX XXXX XX/XX/XXXX {$00.00} XXXX. Bankruptcy XXXX XX/XX/XXXX {$00.00} Inquiries to be Blocked and Deleted : XXXX. XXXX XXXX For XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/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 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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

So on XXXX2020 I got a deposit from state of Ohio unemployment on my US bank reliacard. I had been usuing the card for months now, I cant make a purchase, it keeps declining. I cant get money from an ATM either, it says card deactivated. I tried calling the number on the back of the card 10 plus times waiting on hold for more than an hour then it hangs up on me. So i think i need a new card or something. But Cant get through to customer service.called the banks and they said they cant help to call the number on card and i explained I tried all week and cant get through. i need the funds to use for my family please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

many inaccurate and old information are reporting under my equifax credit report, these were removed and returned all at once. these are inaccurate and fraud account not belonging to me, the creditors had different address and phone number on file of these accounts that were activated under my name, these do not belong to me, please please have equifax removed all these inaccuracies thank you
Product: Credit card or prepaid card

I relocated my Business to XXXX Texas, XX/XX/XXXX and updated Wells Fargo Bank with the new information. XX/XX/XXXX, I had a payment for {$630.00} due to Wells Fargo Bank for our XXXX XXXX Card we have had on Auto Pay since XXXX. XX/XX/XXXX Governor XXXX Declared a State Of Emergency/Disaster and extended it on XX/XX/XXXX due to the Snow and Ice storm that hit the state of Texas. I was unable to make the payment because all of the Wells Fargo Branches were closed and I was stuck in the XXXX Texas Snow/Ice storm. I lived in my vehicle for about 7 days trying to keep warm as I had no power for a week and no running water for 3 weeks - I did not have food for 3 days as I was trapped in my apartment. I contacted Wells Fargo and notified them that I would not be making the payment and even updated my mailing address. Wells Fargo Bank representative verified the address change and stated that they understood the issues I was having going into the bank and that I could not make the payment. Wells Fargo Bank representative contacted me on XX/XX/XXXX with a Identity Theft case number XXXX that pertains to a Wells Fargo Employee XXXX XXXX XXXX XXXX XXXX who closed this same account XXXX of XXXX in less than 30 days due to a bank error and our autopay since XXXX and we have had this account since XXXX. We have removed the Auto Pay due to the Identity Theft/Fraud acts of the Wells Fargo Employee and I wanted to protect my new bank account number and go into the branch and make the payment. Wells Fargo Bank shut down my credit card on XX/XX/XXXX while we were still under the extended State of Emergency/Disaster order in the State of Texas. I also received my new credit card for this account in XXXX Texas location and it was opened by someone within wells Fargo Bank and there was a white label with my XXXX Texas address placed by hand over my XXXX  residence and then reglued in the same envelope ( this now exposed my new credit card ) and mailed it to my XXXX Texas address. This card needed to arrive before XX/XX/XXXX because my old card expired in XX/XX/XXXX. I also made a {$2000.00} payment in XXXX of XXXX, XXXX I made a {$4000.00} payment and on XX/XX/XXXX, I made a {$1800.00} payment ( which included the XXXX, XXXX and XX/XX/XXXX payment ) in the branch. I made the XX/XX/XXXX payment early that was due XX/XX/XXXX and Wells Fargo Bank still has not reopened the account. They are continuing to harass me and violate my civil rights to have the protection under the Governor of Texas State of Disaster order. I want my card reopened immediately.
Product: Debt collection

This is a complaint from XXXX against Bureau of Med Economic for Bureau of Med Economic 's failure to provide requested information for the debt alleged. As of XXXX 2017, Bureau of Med Economic has been reporting an open credit account for the XXXX. On XXXX/17, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
It has been 30 days since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
Product: Credit reporting or other personal consumer reports

I have asked Equifax on XX/XX/2024 to produce the method of verification used to verify the accounts in question. By law I have the right to request FCRA 611 ( a ) ( 2 ) ( B ), you Equifax were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ).

Please reply within 15 days or delete the negative items, as originally requested. 

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

I hired a credit reporting agency, XXXX XXXX XXXX to handle all the discrepancies on my Trans Union XXXX credit reports after several letters to the credit agencies, they have failed to respond back and they have failed to remove any negative items that were discrepancies on my credit report I file XXXX XXXX bankruptcy there are still accounts showing on my credit report as negative under the XXXX XXXX, but they are not being handled the correct way XXXX XXXX XXXX has assumed power of attorney over my credit. The two have not received anything back after several letters to these agencies. This is negative negatively affecting my credit and no one has doing anything to help or fix or remedy the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, my FICO score went down from XXXX  to XXXX. I immediately log in to the 3 Credit Bureaus website to check what happened on my credit score ; I ended up submitting online disputes. I wasn't able to provide and attach any file supporting my claim because I don't have any documents at that time. There was no phone call, email, nor a final statement of account about this collection claim of {$86.00} that was reported by XXXX XXXX XXXX. The credit bureaus investigation results say that the claim is valid but didn't provide any reason. I decided to call XXXX XXXX the credit collection agency in Texas that reported this claim to the credit bureaus. I asked what was the {$86.00} collection claim on my credit report that they also failed to notify me ; there's was no statement of account for me to verify. In the end, they ask for a dispute letter for them to investigate on this case. On XX/XX/XXXX I sent a dispute letter to XXXX XXXX. On XX/XX/XXXX, I received a collection bill from XXXX XXXX XXXX. The very first bill I got regarding this claim, but then again, I don't know the details of how I ended up having a credit of {$86.00}. On XX/XX/XXXX, I sent the dispute letter they asked to dispute the validity of the debt that they are claiming. In reply to my dispute letter, onXX/XX/XXXXXXXX  sent me a copy of all the documents they have on my account. For the first time, I finally see the final account statement billed by XXXX XXXX XXXX. I can finally explain myself and again dispute those charges, those charges on my account are not valid. On XX/XX/XXXX, I sent another dispute letter to XXXX XXXX XXXX to explain what really happened and that their claim is not valid. I asked them to remove the collection claim that they reported to the credit bureaus. With all these steps of explaining and sending the dispute letters nothing solved my problem. I still have a collection report on my credit history and my credit score is still low. As my last resolve, I am filling this complaint and I will attach copies of those disputes letters and other supporting documents.
Product: Credit reporting or other personal consumer reports

NOTICE * GRAMM LEACH BLILEY ACT * NON-COMPLIANCE REPORTING THIS IS NOT a request for verification or validation of debt. This is a NOTICE & DEMAND to L.J. ROSS & ASSOCIATES that your institution has not conformed and is currently reporting to the credit bureaus in non-compliance with the following Gramm Leach Bliley Act statute ( s ) : Sec. 6802 - Obligations with respect to disclosures of personal information ( a ) ( b ) ( c ) ( d ) Sec. 6803 - Disclosure of institution privacy policy ( a ) ( b ) For the record, I, XXXX XXXX, HAVE NEVER received an INITIAL OR ANNUAL PRIVACY POLICY NOTICE from your institution as required by the GLBA statute ( XXXX ) above, nor have I been given a chance to opt-out of my personal information from being shared w/ 3rd parties. So why does L.J. ROSS & ASSOCIATES, a non-complaint institution, continue to report negatively on my credit profile and put my privacy at risk? 

Until compliance with Sec. 6802-6803 of the GLBA can be proven and substantiated, I DEMAND that L.J. ROSS & ASSOCIATES PERMANENTLY DELETE the following account ( s ) within 24 hours and forward to me on company letterhead proof of this occurrence to the address above.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reported a 30day late payment on my credit report for XX/XX/XXXX. I called them immediately upon seeing this, I was told by the customer service representative XXXX, that my payments were never 30 days late and that I need to submit this in writing and fax it to them. I did exactly what was asked of me. It was confirmed on my credit report. I called them back and spoke to customer service supervisor, who reviewed my account and verified that info not have any 30 day late payments and indicated I need to fax ( again ) a letter indicating this information. I made a payment XX/XX/XXXX which was late however not 30 days late. I again submitted a payment on XX/XX/XXXX and paid the account off on XX/XX/XXXX never submitting a payment over 30days.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my XXXX bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$250.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX  after receiving my written statement and police report that insured mailed and signed by one of their employees, refuses to remove the debt from my credit reports. I am seeking legal action with an attorney in their state. 
This debt does not belong to me. My written statement on all my credit reports, since XX/XX/XXXX states that I am a victim of identity theft.
Product: Credit reporting or other personal consumer reports

Experian closed yet again another complaint without addressing the issue like the hundreds of others
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX 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. 

and list of Inquiries. 

XXXX XXXX XXXX XXXX XXXX  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 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

Experian offers no way to cancel their " Experian CreditWorks Basic : Free '' membership. As a result of having this membership my FICO score took a hit because of system issues on Experian 's end resulting in my energy bill disconnecting from my account.

There is absolutely no way to reach a human being using their phone number, I tried for 20 minutes. Following the voice prompts to cancel your account leaves you in a circular loop.

There is also no way to cancel your account online.

I want this " free '' membership canceled and my information removed from their system. Please help.
Product: Checking or savings account

I went into Wells Fargo bank to cash a check for {$1100.00} dollars on XX/XX/year>. Then on XX/XX/XXXX they withdrawled {$1100.00} from my checking account stating there was a glitch in there system and the check was never cashed. I got a copy of they cashed check to show them and they still blame it on a glitch.i could understand if I deposited the check into my account and then they withdraw it but they didnt. I have a canceled check in my hands but they still took my money out of my account. I dont see how you can pull money out of someones account when they never deposited anything. They are stealing XXXX dollars from me and wont give it back they keep blaming a error in their computer system.
Product: Credit reporting

XXXX used my s.s. number without my authority and did a hard credit check, and I did not know about it until I got a credit alert from credit karma. And I wish to have the hard credit check removed.