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

I have 3 public records listed on me credit report with XXXX. I have requested that information be verified that it belongs to me. After multiple reply from XXXX indicating that they have verified the information. Which turns out to be not correct at all. I contacted the courts that reported the information. The information is not correct as well as I was told by court that it is against there policy to verify any accounts by phone or mail. The only way to verify account is go to court records in person. XXXX has not done this and should not be reporting the information because I have asked for proof of ownership. and required by law they need to provide. They have not verified the information in any way. No rep of XXXX has been to courts. This should be removed from my credit file ASAP. They are breaking the law and things need to change.
Product: Debt collection

I have attempted to dispute this debt on multiple occasions, dating back to 2018. Each time NCB refused to remove the information. I have since learned there has been a data breach of my information including my highly sensitive social security number which opens me up to a realm of identity theft.
Product: Credit reporting or other personal consumer reports

I am formally requesting that you include the following Fraudulent Items to be removed from the Credit report. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX Balance : {$7600.00} XXXX XXXX XXXXXXXX. XXXX Balance : {$9900.00} XXXX XXXXXXXX XXXX Balance : {$2900.00} XXXXXXXX XXXX XXXXXXXX Balance : {$820.00} XXXXXXXX XXXX  XXXX XXXX XXXX Balance : {$18000.00} - XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$9100.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$33000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been a XXXX XXXX Claim in my credit report for the last 3 yrs. and has been showing as an unpaid debt. The Hospital submitted a no-fault car insurance claim to my insurance incorrectly : wrong amount and wrong medical billing codes. As a result, my credit has been negatively impacted - I have been trying to refinance my mortage as stated in my divorce papers. 

I was in a XXXX XXXX in early XXXX, I went to XXXX XXXX in XXXX, NY to be checked and submitted all required no-fault claim paperwork to both hospital and my insurance company. 
It has taken me 2 yrs. to get this corrected, and still, the negative history is part of my credit history. I have made countless calls to the XXXX XXXX XXXX and XXXX - however, all they could site was " collections laws '' and that they had nothing to do with the claim nor had any idea of how to " remove this '' from my credit history. The attached letter was received from them on XX/XX/XXXX, and still, my credit report shows this debt -- appears on my three ( 3 ) credit bureaus as " old unpaid medical debt ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible! 

The accounts I am talking about are : XXXX   XXXX   XXXX
Product: Checking or savings account

I have $ XXXX assets across my US bank accounts.. In XXXX or so I created a child account for my daughter XXXX, just to get her an ATM card for emergencies. She barely ever used her account and she has access ONLY to her account, not to my other accounts. 
On XX/XX/XXXX, we noticed suspicious activities on her account ( some unknown XXXX transfers ) and contacted US Bank 1-800 number about this on XX/XX/XXXX ( the next biz day after we found out ). I was told that their fraud dept is looking into this ( person XXXX ) and that they would contact me. Had to wait for her to return from PTO when she sent us to the local branch. OK, so we went to the local branch and were told this would be resolved in 10 days. When more than 10 days passed with no outcome, and went to the brand again, at that time we realized also that all our account have been blocked. 
So just because XXXX account currently shows negative {$700.00} balance ( her balance before the fraud was {$300.00} ) they now blocked all my $ XXXX assets.. and my scheduled payments are bouncing off and I am being charged penalties. 
I have been reaching multiple times both via phone and in person at the local branch, and one moment they tell me to open a new account with them, close the old accounts ( since they supposedly might also have been compromised ) and transfer the balance to the new account, and the next moment they say I can not do that since my fraud claim was rejected with no further explanation and no access to my funds. 
I told them that if they are concerned about that - {$700.00} balance, lets put {$1000.00} aside from my account, but I really need to reestablish my access to the remaining $ XXXX to no availsomehow they just do not care??? 
Any chance you can help me here with my customer rights? I would have never expected this from US Bank ( such well known institution ) and I had been their customer since XXXX.
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1994 ADDRESS XXXX XXXX XXXX, XXXX, GA XXXX ADVANCED COLLECTION BU XXXX Dear whom they may concern, Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a  debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ADVANCED COLLECTION BU XXXX I have report your company to XXXX As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/1994 ADDRESS XXXX XXXX XXXX, XXXX, GA XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. XXXXXXXX XXXX Reported : XXXX XXXX, 2024 XXXX XXXX XXXX XXXX  Reported : XXXX XXXX, 2024 XXXX XXXX XXXX Reported : XXXX XXXX, 2024
Product: Credit reporting or other personal consumer reports

I notice unauthorized inquiries on my credit report report.I would like them removed from credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 
XXXX  Account # XXXX has violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.
Product: Mortgage

I notified my mortgage lender that the State of XXXX was going to pay taxes because I am XXXX back in XX/XX/XXXX in writing per RESPA rules regarding correspondence and the lender did not answer with in XXXX days. I asked the lender to answer and to remove the taxes from my payment this request was made threw correspondence and over XXXX phone calls, including XXXX of XXXX approval letter XXXX that were sent to the mortgage company telling them the mortgage taxes would be paid for XX/XX/XXXX and XX/XX/XXXX. I asked that the impound account be removed and it was denied with no letter they told me when I called in because my loan is fha. I asked for the XXXX in escrow since the taxes are paid for XX/XX/XXXX and XX/XX/XXXX by the state and they gave me a hard time and several times told me they do n't care about only XXXX months cushion or RESPA that they have there own rules. It now XX/XX/XXXX and they told me they mailed me a check XX/XX/XXXX 16 days ago. 
I did not receive a check and they told me there keeping XXXX for cushion. I have never been late and own XXXX percent of my house. They are holding more than XXXX cushions in violation of RESPA and I never received a check. They told me there billing me monthly for XXXX which includes taxes for XXXX x XXXX = XXXX which is more than XXXX cushions as the taxes have been paid for XX/XX/XXXX and XX/XX/XXXX. They told me they did n't care because they rules trump RESPA. Although I have told them I elect to have the state XXXX program for homeowners pay the taxes for 2 years so there is no need to include the taxes they want to hold the extra cash to the tune of XXXX and they have n't paid me interest. XX/XX/XXXX taxes are paid and I sent the proof so if the taxes are paid why would the lender collect the money on paid taxes? That they have proof of. Its predatory lending on the XXXX. 
Where my interest on the escrow balance? The state gets the tax bill not them. 
I wrote and told them everything per RESPA no letter addressed any of it from XXXX aka loan depot. Please help me I am XXXX. I have become sicker and the phone for hours for 4 months XXXX XXXX XXXX XXXX XXXX XXXX and XXXX. XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple accounts are reporting on my credit report that is not correct XXXX   XXXX**** XXXX  XXXX XXXX** XXXX  XXXX**** XXXX XXXX   XXXX**** XXXX XXXX** XXXX XXXX**** XXXX XXXX   XXXX**** XXXX 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 card or prepaid card

We acquired a Netspend prepaid credit card from XXXX  on XX/XX/2022 at the XXXX XXXX XXXX located in XXXX Georgia in order to be able to make payments to certain suppliers. We tried in vain to activate this card but we ran into a vicious circle with the XXXX 's help system : you have to contact a phone number, two options, one of which is to receive an SMS with a link for activation however impossible on a XXXX cell phone and the other an email link to submit a series of information to identify us. After sending several emails with personal and other information, we are asked to provide a XXXX identity document, which we are not able to do as a XXXX citizen without residence in the United States. We put XXXX {$100.00} on this card and nothing suggests a solution to settle the whole thing since everything suggests that we are dealing with a robot and not an attendant.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a XXXX XXXX  credit card opened and used fraudulently in my name. The card was opened and used regularly in XXXX and XX/XX/XXXX, but I was not in the XXXX from XX/XX/XXXX to XX/XX/XXXX. I have signed and filed back the statement of fraud the XXXX XXXX  send to me together with the proof document that I was not in the State during the time. I have filed this case with the police department and asked three credit bureaus to block this item from my credit report. However, in late XXXX, this item was reinserted into my credit report. I contacted all 3 credit bureaus, and XXXX  and XXXX  allow me to argue this investigation result. However, Experian refused to initiate a reinvestigation, which is unfair to me.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of information contained in my consumer report. It has come to my attention that your records reflect a missed payment on the account associated with Account Name : XXXX XXXX XXXX XXXX, under the Fair Debt Collection Practices Act. 

I wish to emphasize that I have never missed a payment on this account. Upon thorough review, I have verified that all other accounts are marked 'Paid as agreed ' on my credit report. Therefore, it is imperative to rectify this discrepancy immediately. Under the provisions of the act, it is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participatng in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 

Such misinformation is not only unlawful but also damaging to my credit standing. If this error is not corected promptly, I will have no choice but to seek legal action to ensure the accuracy of my consumer report. 

I trust that you will address this matter with the urgency and attention it warants. Thank you for your prompt cooperation. I expect a prompt response to this dispute within 15 days, in accordance with the timeframe stipulated by the Fair Debt Collection Practices Act. Failure to provide adequate verification or to rectify any inaccuracies may result in further legal action.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX SSN:XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX To Whom It May Concern : I have recently reviewed my credit reports and noticed you are claiming late payment ( s ) have been made on my account. I do not remember ever being late. 

XXXX XXXX with account number XXXX If you can prove that I was late please provide all statements and records of all payments made and missed since I opened the account. 

In the absence of verifiable information about any late payments, please inform the credit reporting agencies that the account and all payments have been paid as agreed. 

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

This is my 4th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, PA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX, XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX  XXXX Balance : -, XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1600.00}, XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Last year, I disputed this fraudulent account ( XXXX XXXX ) with Equifax, and after reviewing my evidence, they rightfully removed it from my credit report. I thought this issue was finally resolvedonly to find out now that Equifax has recklessly reinserted the same account back onto my report without any proper notification. This is beyond frustrating ; its a clear violation of my rights and has severely damaged my credit score again for no legitimate reason. Under 15 USC 1681i ( a ) ( 5 ) ( B ), Equifax is legally required to notify me in writing within five business days if they decide to reinsert an account they previously deleted. They failed to do that. Further, Equifax has a direct obligation under 15 U.S.C. 1681e ( b ) to " follow reasonable procedures to assure maximum possible accuracy '' of the information in my credit report. By reinserting this previously disputed and deleted fraudulent account, they have demonstrably failed to meet this standard. This means Equifax has blatantly ignored its legal obligations, and in doing so, they are directly harming me by reporting inaccurate, damaging information that should have never returned in the first place. This kind of careless and reckless reporting is exactly why consumer protections exist, and yet Equifax continues to act as if they are above the law. My credit score has taken another unjustified hit, and now I have to go through the same exhausting process again to remove an account that was already proven to be fraudulent. I should not have to continuously fight for Equifax to do their job correctly. I am demanding immediate deletion of this account once and for allno more mistakes, no more reinsertion, no more excuses. If Equifax continues to disregard the law and my rights, I will be forced to escalate this further through legal action, regulatory complaints, and any necessary steps to hold them fully accountable for this outrageous violation. This needs to be fixed now.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX You are in direct violation of the fair credit card reporting act CREDIT ACCEPTANCE CORPORATION 15 U.S.C 1681 Section 602 A Cleary states that i have the right to privacy.

15 U.S.C 1681 Section 604 A It also states a consumer reporting agency can not furnish an account without my written instructions. 
15 U.S.C 1666B A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Please remove these late payments and update this account immediately as you are violation of several laws under The Fair Credit Reporting Act.
Product: Money transfer, virtual currency, or money service

This claim is against CashApp. Money had been stolen from my account on multiple occasion and i tried to resolve the problem with cash app but they don't have a customer service number. they reach out to people via emails and i can't reply to the emails. after three days they send an email stating that they didn't hear from me therefore my claim is closed. Every time i have to go back to my account and report again the same transactions that i already reported just to get the same result over and over.

CashApp is stealing people money
Product: Credit reporting or other personal consumer reports

XXXX XXXX University Ombudsman letter submitted to Creditor, XXXX and TransUnion in last XXXX  days. Creditor did not take action to correct tradeline and remove misreprestation from my credit reports.
Product: Credit card or prepaid card

I DID A BARCLAY CREDIT CARD BALANCE TRANSFER ON XX/XX/2022 TO XXXX  XXXX XXXX FOR {$5000.00}. BARCLAY CREDIT CARD CUSTOMER SERVICE STATED THAT IT WAS COMPLETED ON XX/XX/2022 AND XXXX  XXXX XXXX HAD RECEIVED THE TRANSFER AMOUNT OF {$5000.00}. OKAY XXXX XXXX XXXX NEVER RECEIVED THE {$5000.00}. I BARCLAY CREDIT CARD CUSTOMER SERVICE AND TOLD THEM THAT XXXX  XXXX XXXX DIDN'T RECEIVED THE FUND. I STATED THAT WE CAN CONTRACT XXXX XXXX XXXXXXXX TOGETHER SO THEY CAN SEE I AM TELLING THE TRUTH ABOUT XXXX XXXX XXXX NEVER RECEIVED THE {$5000.00} TRANSFER. BARCLAY TOLD ME THAT THEY ARE NOT GOING TO CANCEL THE BALANCE TRANSFER EVEN IF IT'S BEEN PAST THE 10 BUSINESS DAYS XXXX, WHICH IS THERE COMPANY POLICY. THEY STILL WANT ME TO PAY FOR FUNDS I NEVER IN MY XXXX  XXXX XXXX ACCOUNT. RIDICULOUS WHY WOUNLD I DO THAT IT MAKES NO SENSE.
Product: Credit reporting or other personal consumer reports

On the XXXX of XXXX XXXX reported my account as a delinquent account. At that time it was accurate. On the XXXX I paid off the past due balance and just now ( the XXXX ) I got alerted that they JUST reported me as severely delinquent despite my account online and on the phone showing as being current. When I called to get this corrected their manager told me I would have to call the credit report company to get it fixed. I explained that I am not an XXXX and that they do not control what is reported and that they are fraudulently reporting on my account to the credit bureaus. She then lied AGAIN and told me to call the credit bureau to get it fixed to which I told her I would be reporting them for the fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I an XXXX  member of the United States XXXX. Between XX/XX/XXXX and XX/XX/XXXXmy identity was compromised, and numerous items were taken out in my name, Helvey & Associates has been notified by the armed services identity theft division of the breach yet is still reporting a balance of {$1300.00} for electric services with XXXX XXXX that I never took out. Please have XXXX XXXXXXXX XXXX remove this item from m XXXX, XXXX, & XXXX report.