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

I contacted Equifax in XX/XX/XXXX requesting that since the following two addresses, listed by Equifax, as former addresses are locations where I have never lived, they should be removed from my credit report. I had become aware of the errors because I failed identity verification with financial institutions who relied on the incorrect information : XXXX XXXX XXXX, XXXX XXXX, IA XXXX and XXXX XXXX, XXXX XXXX, IA XXXX. 

On XX/XX/XXXX, Equifax responded saying they had reviewed the disputed addresses and deleted them. Imagine my surprise in XX/XX/XXXX, when I again was asked about one of the addresses as part of a identity verification on my brokerage account. I failed the identity verification and my account was frozen and I was unable to pay from that account a bill that was due. 

I checked today and the erroneous information is still in the record. I also noticed on the same page that my current employer listing is 31 years out-of-date. 

See attached XX/XX/XXXX response from Equifax stating the incorrect addresses would be removed. See attached XX/XX/XXXX report page with the addresses still in the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft. I have sent in several request for the fraudulent items to be removed from my credit report and it still on there.
Product: Mortgage

I had a loan with Citibank/CitiMortgage/Citifinancial ( names have changed several times ) back in early XXXX. My family experienced a hardship around XXXX to XXXX and had to file bankruptcy ( XXXX  XXXX ). We included this loan in the plan so that we can pay it back and we were under the impression that it was satisfied as we didn't hear anything else from them once the bankruptcy was closed and satisfied. We realized when we tried to refinance with our current mortgage holder that Citibank charged off the balance of the loan.. My mortgage company requested a letter asking for the amount of charge off and the date it was charged off. They refused to provide the letter and our loan was denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete it ASAP as this is very exhausting. Nobody wants to grant me a loan because of this. XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to dispute the account that is listed below, and they are not taking it off. I am a victim of identity theft and I have properly submitted my FTC report and they will not remove. On XX/XX/2023, I submitted a FTC report on the account from Calvary Portfolio for {$3100.00}. 

Calvary Portfolio Acct XXXX XXXX XXXX
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against CAINE & WEINER or egregious violations of my consumer rights, as protected by the Consumer Financial Act. It has come to my attention that CAINE & WEINER placed a collection on my consumer file without issuing the requisite notice and without notifying me of my right to dispute this alleged debt. 

I hereby declare my revocation of all communication channels with CAINE & WEINER, including txt messages, emails, and phone calls. I insist on engaging exclusively through written correspondence. 

In line with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I am formally requesting that CAINE & WEINER provide a purchase order agreement between them and the original creditor. I am particularly concerned about the accuracy of the account information, as the agreement may contain clauses stating that the data being purchased might be inaccurate. If CAINE & WEINER is unable to produce this documentation, I demand the immediate deletion of the account from my credit report.

The date on my consumer report indicating that I opened an account with CAINE & WEINER is blatantly false. I neither received any services or products from CAINE & WEINER nor entered into any contractual agreement with them. This misinformation tarnishes my credit history and infringes upon my consumer rights. 

Moreover, it has come to my attention that CAINE & WEINER is not licensed or bonded to collect debt in my jurisdiction. This raises serious concerns about the legality of their actions and further emphasizes the need for immediate resolution. 

The actions of CAINE & WEINER constitute clear violations of 12 CFR 1006.34 ( d ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ,12 CFR 1006.34 ( b ) ( 5 ), and 15 USC 1681-s 2 ( 7 ) ( A ). I am formally demanding the swift deletion of this collection from my credit report, and I trust the Consumer Financial Protection Bureau will thoroughly investigate and address these infractions. 

Please keep me informed about the progress of this complaint, and I appreciate you attention.
Product: Debt collection

I am a single mother and I needed a mortgage loan to enable me to get a house for my kids. XXXX XXXX XXXXXXXX promised me that he can help me get the mortgage loan but before he can help me, I should put some money upfront to be held in Apex Mortgage LLC. 
Escrow account and that the money will be returned at the time of closing the house. I have saved for 4-years and came up with {$62000.00}. I finally found a house and I needed {$7000.00} out of my {$62000.00} to be given to the Title company. He started giving me excuses and changing his story whenever I asked for my money. That was when I realized that, I have been scammed. I then came to realize that, Apex Mortgage LLC. does not have an Escrow account, he was depositing my money in his personal account. XXXX XXXX  ( XXXX ) XXXX frauded me with {$62000.00} and he does not want to pay my money. He gives excuses and changes his story for the past two weeks whenever I asked him for my money. 
I have been calling the Apex Manager and sending him messages but he is not responding. All effort to get my money back has proved futile. 

Please, I would like to advise the general public to desist from using Apex Mortgage LLC. located in XXXX to prevent being scammed by this company. I have already contacted the XXXX XXXX Police Department to file a complaint. 

I have also filed a complaint with the FBI, the Federal Trade Commission, and now the Consumer Financial Protection Bureau. Hopefully, they can help me retrieve my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account, XXXX  XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX  # 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.
Product: Debt collection

NATIONAL CREDIT AUDIT is trying to collect a debt that i didnt owned for XXXX $ starting to report on XX/XX/XXXX and the last activity report was on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my background check report from accurate it states on XX/XX/2019 I was suspended for failure to comply with financial responsibility. There is no such charge, it states my driver 's license was suspended. It was renewed XX/XX/2019 and has been VALID EVERY SINCE! THIS IS FOR XXXX COUNTY KANSAS XXXX : XXXX XXXX : XXXX XXXX : XXXX
Product: Debt collection

XXXX XXXX ( XXXX XXXX  XXXX XXXX XXXX  ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$680.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2020 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Debt collection

On Account information disputed by consumer, meets FCRA requirements. I need written Proof of verification. Documentation from the 3rd party proving this is my count. FCRA they have to provide original documentation if they can not provide those by federal has to be removed off. I was a victim of identity theft.I filed a police report and FTC report by federal law this has to be removed off. I've also filed a complaint with CFPB. I have provided you the documentation showing you this is a fragilite count that does not belong to me. 
My next step will be filing a XXXX  report against XXXX XXXX and a lawsuit. 

FTC REPORT NUMBER XXXX AND XXXX
Product: Checking or savings account

My account surg Marcus by Goldman Saks has been locked for over 10 days for no apparent reason. No information is disclosed to me. My daily calls do not result in any resolution to the problem. I have to have access to my money asap.
Product: Credit reporting or other personal consumer reports

Dear Equifax I have recently checked out a copy of my credit profile and unfortunately, it has come to my attention that some of my personal information is incorrect. If you would please so kind as to delete this inaccurate information from my credit profile within the next XXXX days, I would greatly appreciate it. Its my understanding that you have up to XXXX days to follow through on my request so if I dont receive any updates from you within that time frame, then I know that these inaccuracies must be removed automatically. Ive listed the details on my personal information in which you are inaccurately reporting and must remove right away. Please see below : My name is XXXX XXXX XXXX. I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 


My current and only address is XXXX North XXXX XXXX Lot XXXX XXXX, AZ XXXX I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

CB/VICSCRT : Account number : XXXX, Please remove it from my credit report. 


My SSN : XXXX You are not authorized to report my Social Security XXXX XXXX my credit report or sell any information containing my Social Security XXXX XXXX any company. Reporting my social security number on my credit report arises a safety issue and opens me up to potential identify theft. Immediately Delete any and all social security numbers that your company is reporting on my credit report. 

My date of birth is XXXX : XX/XX/1985. I do NOT have any requisite OTHER Dates of Birth and I do NOT desire any OTHER Dates of Birth to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 


I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 


I do NOT have any requisite spouses/ roommates/ co-applicants and I do NOT desire any spouses/ roommates/ co-applicants to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 


Thank you, in advance, for honoring my requests. I would like an updated version of my corrected profile as soon as you have deleted the inaccuracies Ive listed above. 


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

Experian would not entertain or research my disputes
Product: Debt collection

I have now gotten XXXX calls since XXXX this morning and it is noon. This is extremely excessive and I told them last week and the week before what is going on. I am getting over a call an hour and its stressing me out and keeping me from working. I have asked them multiple times to get the call count down, my account is only one month late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft. I did not make these charges mentioned with the list. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. You must comply to the law as stated.
Product: Debt collection

About 8 years ago I took out a check loan. I took the loan out with Speedy Cash. I did default on the loan and now it is being reported on my credit with an open date of 3 years ago. This information is not correct. I have disputed the dates with the credit bureaus. Having this on my credit reported incorrectly is lowering my credit score.
Product: Credit card or prepaid card

Starting in XX/XX/2019, PayPal Credit has either through A ) incompetence, or B ) deliberate intent, been delaying the posting of my mailed in payments, causing late fees to be charged. 

My XXXX payment was apparently " lost '' by the Post Office, according to PayPal. I have never had a piece of mail " lost '' in over 30 years. I spoke to a PayPal " representative '' multiple times that month. It became obvious that I was speaking to employees of a contracted third party, and was given no option to speak to anyone in the billing department of PayPal itself. 

On XX/XX/2019, I purchased a money order from my local post office, and sent the payment through the certified option. I received the confirmation receipt that the payment had been to delivered to the P.O. Box in XXXX, XXXX on XX/XX/2019. 

My payment is due the XXXX of every month. I checked to see if my payment had been processed multiple times over the next week, and it hadn't. I called PayPal on XX/XX/XXXX to see what was going on, and was given the same run around as in XXXX. Again, I was told it was a Post Office problem. On XX/XX/XXXX, my payment still hadn't been processed. On XX/XX/XXXX, I called them again, and was given the same run around, again. 

My payment was processed on XX/XX/XXXX, a full 12 days after it had arrived at their designated P.O. Box. Another {$38.00} late fee was charged to me. 

I spoke to another " representative '' today, XXXX, XX/XX/2019, to find out why it had taken so long to process the payment, and to have the fee waived. I was informed that the fee would be waived as a " courtesy, '' I still owed the inflated payment because of the late fee, and when asked who I need to contact to speak about billing and processing of payments, that there was nobody but his department. 

This is at the very least incompetence, or at worst, deliberate fraud ( theft. ) Either that P.O. Box is not being checked until someone complains, or these payments are being " lost '' or sat on deliberately to incur late fees.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX Balance Owed : {$19000.00XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$150.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX Balance Owed : {$19000.00} XXXXXXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance Owed : {$19000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$150.00}
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: Credit card

I am writing regarding inaccuracies I have discovered in my consumer report. Specifically, I have identified transactions furnished to my report that are excluded by law under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681a ( 2 ) ( Ai ). 

CBNA XXXX XXXX XXXX, XXXX XXXX SD XXXX Account Number XXXX Status Paid, Closed.
Product: Credit reporting or other personal consumer reports

I am formally disputing the late payment entries on my credit report : XXXX  XXXX - XXXX - {$210.00} XXXX  XXXX - XXXX - {$200.00} These entries are inaccurate and do not reflect my actual payment history. Despite my repeated attempts to have these discrepancies investigated and resolved, no meaningful action has been taken. I have provided all necessary documentation to support my case and have followed up several times, yet these errors remain. This lack of resolution has not only caused financial strain but has also significantly affected my mental and emotional well-being. The stress of dealing with these incorrect entries is overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial behavior, including the right to have outdated or inaccurate information promptly corrected. I urge you to take immediate action to update or correct these late payment entries, as failure to do so is a violation of my rights under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$6200.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX 2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with the CFPB and the creditor of the account responded stating that my student loan accounts with XXXX loan sequence 1-5 were removed from all of my credit reports with each agency. Unfortunately this was not accurate as Equifax and XXXX are still reporting these items on my credit reports with their bureaus. I disputed the items multiple times to no avail. The credit agencies are stating that they verified the accounts while the creditor has stated that the items have been removed.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX XXXX  AND XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and 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 reported in to be removed.

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Debt was trying to be paid for months and the company never worked with me to help pay it. Ive contacted support countless times over the last 4 months, no responses.
Product: Credit reporting, credit repair services, or other personal consumer reports

I receive on a semi-regular basis my FICO Score and any updates to my credit from Eperian.com via email. I was looking for a balance transfer card which Experian offered many options. So I clicked on the credit card section just to view rates and fees for the various products. I DID NOT fill out any applications or submit any of my personal information. 

Now I am getting, in the mail and by email, loan rejections from companies I have never heard of nor would ever even consider for my needs. So far I have received more than 5 " sorry we can't approve your loan at this time '' letters and emails. 
I called each of the companies and they all gave me the same response, " Did you go on any Experian website? '' I told them I had but never applied for anything. They agreed I hadn't applied and they added, '' Experian will " push my personal information to the companies listed on their website without telling you ''. None of these companies nor Experian had my consent to do so. Now companies I have never heard of, the list grows almost daily, of having my personal information to do who knows what with. How is Experian allowed to use either " stealth '' tactics or some use of personal information buried soo deep no one can find it. I personally feel my privacy and my right to choose who I do business with have been seriously violated and placed me in a precarious situation with all of my information out on the internet because Experian thought this was a good idea. I am not interested in their " use of this site ... '' allowing them to do certain things. I don't give out my information unless I know the company or service. Experian has stripped me of my right to protect my sensitive personal information.