23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN REPORT NUMBER : XXXX RE : XXXX  Block Request Dear Sir or Madam : I am a victim of XXXX. The information listed below, which appears on my Experian credit report, is the result of that trafficking. 
Accounts : Account numbers : Date Opened : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have attached a copy of my SSN card, Valid IDs, and a copy of signed self attestation form to prove I am human who has been a victim of XXXX, so I do not need Experian to say or write me and say they could not verify me or my account. 
Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. Section 605C ( b ) states that consumer reporting agencies can not provide consumer reports with adverse information about consumers who have been victims of XXXX XXXX XXXX XXXX XXXX  if the consumer has provided documentation of XXXX  to the agency. I have attached documentation of my self attestation from the agency to you Experian Survivors do not need to provide additional evidence to prove their connection to XXXX, beyond self-attestation. 
Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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

I am submitting this complaint due to XXXX 's failure to correct and/or properly investigate inaccurate public records in my credit report. According to the Fair Credit Reporting Act ( FCRA ), particularly XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX is required to ensure the accuracy of the information they report and must promptly investigate disputes. However, my attempts to dispute and correct inaccuracies have been improperly handled, and no appropriate corrective action has been taken. Furthermore, their failure to act constitutes a willful violation of the FCRA under Section XXXX, which entitles me to pursue civil liability and seek damages, including the {$1000.00} penalty for each violation of the XXXX. 

With an account on my credit report, the transactions experiences are not pursuant to XXXX XXXX XXXX XXXX ( XXXX ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

Im requesting XXXX to update the payment status for the XXXX XXXX XXXX XXXX payment history from XX/XX/XXXX to XX/XX/XXXX, which makes XXXX violations of transaction experiences that where violated under XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the Privacy Act of XXXX, I need it to be immediately updated to paid on time, as the balance of the account is XXXX XXXX 

Any other account on my XXXX showing transaction experience must be updated to paid and on time includin, AFFIRM, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX 

I am requesting monetary compensation from XXXX for their willful non-compliance and monetary compensation for damages this has caused me the consumer. I would like the security department of XXXX XXXX XXXX XXXX to reach out to me, so we can solve this matter immediately.
Product: Credit reporting or other personal consumer reports

Experian is continuing to report incorrect information in my consumer report. There are several inaccuracies on my report that I have filed numerous complaints about and Experian has not followed the law regarding these complaints. They have no evidence to support their claims not provided me with any evidence. Experian uses consumer data to sell for profits and they are listed in the XXXXXXXX XXXX XXXX with XXXX XXXX being the bank transfer agent. 

The accounts in questions are listed below and range from several late payments that are not correct, allege collections, accounts listed with late payments and collections and none of it has been found to be true and correct with several companies responding to me that Experian is the one I should contact to correct the information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, 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
Product: Mortgage

I want to file a Mortgage Fraud Claim Against Embrace Home Loans. Embrace Home Loans has refused to correct my XXXX from XX/XX/XXXX through XX/XX/XXXX. Embrace Home Loans has not sent me a monthly loan statement since XXXX XXXX. My mortgage has been transferred to XXXX different offices in the past 5 years, XXXX of them Mortgage Loan Servicing companies, XXXX was XXXX XXXX in XXXX XXXX, Virginia and the XXXX XXXX is XXXX XXXX XXXX XXXX XXXX in XXXX, North Carolina. XXXX XXXX Loans is trying to take my equity of approximately {$11000.00} to {$12000.00} and foreclose on my home. XXXX XXXX XXXX XXXX XXXX has sent me e-mails and letters stating they would review the proof of payments for my balance being so delinquent. XXXX XXXX transferred a balance of {$120000.00} due for XXXX XXXX and based on the most recent letter dated XXXX XXXX, XXXX received from XXXX my XXXX payments of Mortgage Principal, Interest and Escrow payments for XX/XX/XXXX and XX/XX/XXXX have been applied to that balance that is fraudulent. I have no monthly loan statements from XXXX XXXX and neither XXXX XXXX to know what my money was applied to. The recording says I owe for XXXX XXXX and has no balance as of today XXXX XXXX, XXXX. Where do I send my payment for XXXX XXXX which I will overnight on Friday Morning XXXX XXXX, XXXX. Please see attached files. I want my mortgage principal, interest and escrow accounts brought current. I want corrected XXXX from XX/XX/XXXX through XX/XX/XXXX. Please see attached files for supporting documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last week around or about XX/XX/2019, XXXX XXXX employee cashier told me that XXXX XXXX card is a soft inquiry. I applied on cashier 's little machine and denied. 
Next day, on XXXX XXXX, a hard inquiry showed up for XXXX XXXX Wells Fargo. 
I filed a complaint with CFPB and told they responded and argued and argued against me- I told Wells Fargo , there is no law that says you can lie to consumers. Consumer Fraud. 
I was sold on a XXXX XXXX card for a soft inquiry and got nailed for a hard inquiry that really hurts my credit. 
XXXX XXXX card is thru Wells Fargo. 
There is no law to support their claim.
Product: Credit reporting or other personal consumer reports

I have recently notified the bureaus that I am a victim of identity theft
Product: Debt collection

My unpaid medical debt owed to XXXX  XXXX Hospital of XXXX XXXX XXXX, FL for services provided for the birth of my son dated XX/XX/XXXX, showed up on my credit report XX/XX/XXXX. 

This is an exact example as to the information I was provided about the mentioned debt shown on my credit report dated XX/XX/XXXX. 

Account Details Last Reported - XX/XX/XXXX Collection Agency : XXXX XXXX XXXX   Original Creditor : XXXX  XXXX MEDICAL CENTER Status : Open Opened Date : XX/XX/XXXX Closed Date : Responsibility : Individual Account. 
Balance : {$1200.00} High Balance : {$1200.00} Remarks : MedicalCollection Agency : XXXX XXXX XXXX  I paid the balance of {$1200.00} in full in XX/XX/XXXX and never received notification/proof of payment. This debt was removed from my credit report on XX/XX/XXXX which is proof that I settled my debt with them. Now, two and a half years after my service date, XXXX XXXX Medical Center is claiming that this balance was never paid by XXXX XXXX XXXX and/or communicated with them that I in fact paid my balance in full. They are trying to bill my again for a balance that I already settled with this collection agency.
Product: Debt or credit management

I paid them for around XXXX  years about XXXX and only small amounts of debt paid off XXXX out of XXXX debts that were enrolled. Im not sure where my money went.
Product: Credit reporting or other personal consumer reports

My account with XXXX is still reflecting negative remarks on my credit report with all XXXX credit bureurs when I was covered under the XXXX outbreak. No one has responded to any of my letters and now I am being forced to result to CFPB. 

According to 15 U.S Codes : 120 days after the date on which the national emergency concerning the novel XXXX XXXX ( XXXX ) outbreak declared by the President on XX/XX/2020 under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates.

if the credit obligation or account was delinquent before the accommodation ( aa ) maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current.
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect DOB : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX  ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX XXXX I was looking over my credit report and I see you guys marked me late on this day and year. According to 15 USC 1681 ( A ) you are not supposed to do this. Remove the late payment violations immediately or affidavits will be sent for violation remedies.
Product: Money transfer, virtual currency, or money service

My PayPal Account was permanently limited last XX/XX/XXXX, XXXX provided and sent all documents needed to restore my account but unfortunately my account was still permanently limited. The case I'd is : XXXX, I am doing legally in my business and I provided all documents to prove that my business is legitimate. Help me to restore my account.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act.The list of account below violated my federally protected consumers to privacy and confidentiality 15 USC1681. XXXXXXXX XXXX XXXX, XXXX XXXX XXXX. account number # XXXX. XXXX XXXX account number : XXXXXXXX XXXX account number :XXXXXXXX. XXXX XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Account number # XXXX XXXX XXXXXXXX XXXX, XXXX. account number # XXXX. 15 U.S.C 1681 section 602 A. states that I have the right to privacy. 15 U.S.C.1681 section 604 A. states that also as aa consumer reporting agency can not furnish an account without mt written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) section states that : no consumers reporting agency may make any consumers report containing any of the following items of information any otehr advanced items of information, othre than records of conviction 's of crime of which antedates the report by more than 7 years. 15 U.S.C1681s- ( A ) ( 1 ) A person shall not furnish any information relating to consumers to any consumers reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.
Product: Debt collection

I have a XXXX account that was closed XX/XX/XXXX. XXXX closed only part of the account when I thought is was completely closed. We paid whatever was left finally XXXX XXXX, XXXX, but they did not close the account, because someone didn't do their job. Now XXXX gets bought out by XXXX XXXX and I can not contact them and get this resolve. No one will send me the non existent bills and only that XXXX has sold my debt to several collection agencies. I get mailed and called by AFNI, XXXX, and XXXX XXXX XXXX for this false debt. They have ruined my perfect credit and I just get more and more collection agencies writing, and calling me. Please let me know how I can stop this madness. I have spend 2 years trying to get this resolved and XXXX has also not investigated this when I have asked them to. 
Let me know what I can do to get them to stop harrassing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX US Dept of Education, Fed Loan # XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXXXXXX 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 a account without my written instructions US Dept of
Product: Debt collection

I am very upset as I had a lease with Toyota Motor Credit, made all payments on time and the account was always in good standings with my payments. Went to trade in the car and buy a car from Toyota, was told if I owed anything remaining on the lease it would be tacked on to the new loan. I purchased another car from Toyota left again my account is in good standings currently. Months later pulled my credit and now the good paid off account reflects I owe {$450.00} I called and I was told I went over my miles. I was informed I do not owe anything and now things changed. I am lost for words and what horrible business practices. Now I have a collection on the account I made my payments on time. This is NOT FAIR at all! Please help me CFPB
Product: Checking or savings account

On XX/XX/XXXX, Bank of America deposited {$900.00} into my XXXX XXXX account ending in XXXX. I have no account with Bank of America and never have. On XX/XX/XXXX, a temporary hold was placed on my XXXX XXXX account for {$900.00} with no call or explanation from either bank. It is my best guess though I have no verification of this is that in XXXX until late XXXX a XXXX XXXX XXXX rented an apartment from me in XXXX XXXX FL for {$900.00} per month he had it set up to electronically pay his rent from BOA into my XXXX account already mentioned. Upon his moving out we both thought all was good and he moved out of state after getting a full deposit refund. Then in the following months another electronic deposit was made and at that time in early XXXX I called XXXX XXXX and since he had moved to Washington state, I agreed to drive some XXXX miles to the nearest Bank of America to refund his money and at that time XXXX assured me he talked to BOA and I did as well when depositing this {$900.00} thinking the problem resolved. Well in the following month it happened again so again we repeat the same steps as previously described above. After this second time it was believe all was good until XX/XX/XXXX, when another {$900.00} transfer showed up in my account whom I suspect was from XXXX XXXX account. Since I live 2 counties over from the nearest BOA I have not been there since I'm not the account holder, I doubt they would divulge anything to me anyway.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX, XXXX and Experian about the public record that is reporting on my credit file. This is also my second FTC complaint and I would like this issue resolved. XXXX XXXX, which is the 3rd party consumer company that reports this information to the bureaus has updated my file to show a correction. There is no Bankruptcy that I have reporting anywhere, I want this removed, it is illegal. It is inaccurate and is hurting my chances to obtain credit.
Product: Credit card or prepaid card

I have tried to contact CITI for 4 months now concerning a credit card. On XX/XX/2022, I asked them to validate a debt they have placed on my consumer credit report which I did not recognize. Per the FDCPA ( Fair Debt Collection Practice Act ) they are required to respond with the name of the original creditor, the address, and the signature of the contract. As of XX/XX/2022 I still have not received the necessary information to validate the debt. On XXXX XXXX I received a letter from their customer service team in regards to my 5th request that stated they did not have the correct account number. I checked my statements and credit card and it is the correct account number. 

CITI has violated many laws during this dispute process, which I have outlined in the attachment with my full process with copies of my letters and exhibits. The most upsetting to me was repeatedly calling me for almost a month straight, violating 15 US Code 1692d ( 5 ). This happened once or twice a day at my place of work and caused me stress and embarrassment. In multiple letters to CITI, I asked them to stop all collection attempts via phone or electronic. Since those letters received by them, I have received phone calls every day from their customer support center in regards to my bill. Per 15 USC 1692d ( 5 ), a debt collector may not cause the phone to repetitively wring and 1692c ( c ) a debt collector may not contact you after you have asked them not in writing. CITI has broken the law and is liable to {$18000.00} worth of damages per 15 USC 1692k for calling XXXX XXXX repetitively. 

CITI has also reported to all three credit bureaus various times that I am 60 days late on a payment. However, this account is inaccurate, and the account is under dispute and can not be reported a credit reporting agency. I have communicated with all three credit reported agencies to have this removed and they have removed it three separate times and CITI keeps putting it back on. This has caused my credit score to plummet and has stopped me from receiving credit that is imperative to my financial wellbeing. 

I have written to the CFO of Citi, Citi 's legal team, and their customer support team without response to my requested items. They are not even recognizing my account number when the account number is correct. I am now reaching out to CFPB to get this matter resolved.
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. 


I told Experian, XXXX, and XXXX to reinvestigate this account : XXXX XXXX Account : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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.