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

This is XXXX XXXX XXXX and I am submitting this CFPB complaint to you today to request to delete the fraudulent accounts and information that I foudn not belonging to me. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Here is the list of the accounts and information that I need you to delete from my Crediet File : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX, XXXX XXXX, SC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX Unpaid Balance {$90.00} XXXX XXXX XXXXXXXX Unpaid Balance {$0.00} XXXX XXXX  XXXX Unpaid Balance {$0.00} XXXX XXXX XXXX XXXX Unpaid Balance {$0.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} 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 In accordance with the Fair Credit Reporting Act section 605, please remove the disputed accounts and information completely from my Credit File.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Experian, XXXX and XXXX on XX/XX/2022, It been well over 30 days. I still have not received anything back. According to 15 USC 1681i ( a ) ( 1 ) ( A ) Experian, XXXX and XXXX have 30 days to respond to my dispute. This is a violation of my rights
Product: Credit card or prepaid card

I have a Synchrony Credit card with XXXX XXXX XXXX.. .the account is current and I 've made payments every month on time. 

I used the card to purchase furniture for XXXX XXXX interest for a promotional period. Every month I made payments, my payments were not allocated to the promotional balance that matured first, rather it was split equally among the balances. 

While I was able to afford to pay the balance necessary to ensure I was not hit with the deferred interest.. .I do n't think others are necessarily in my position to do so and can be hit with sizable deferred interest bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with the ( Equifax  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Credit reporting or other personal consumer reports

I discovered several accounts on my XXXX credit report that I do not recognize. I submitted a dispute to XXXX, citing my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ), requesting an investigation and immediate removal of these accounts. These accounts are inaccurate and unverifiable.
Product: Debt collection

I reviewed my report that Transunion some how obtained without my written permission or agreement, and I ran across a a company named XXXX with a balance of {$8700.00} on a debt I do not owe or have no knowledge of. I continue to alert Transunion XXXX and XXXX of these actions, one letter I sent to all 3 bureaus and they all responded saying I must verify my identity twice and still nothing happened. I reached out to the company and they have no answers for me but to file a report on behalf of my credit. Attached is a copy i sent to the company and transunion received the same via certified letter.
Product: Credit reporting

I sent transunion 66 letters stating that i did not these permission to run credit they said they wont remove ' them its a fraud alert added to my acct i need those inquries removed its damaged my credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out identity theft letters to these companies in regard to1 8 U.S.C. 1028A. They have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. I am willing to settle their civil liability damages I have suffered as a result of their violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, you 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 is 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, VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX , VA XXXX ; XXXX XXXX Balance : {$6200.00} ; XXXX  XXXX Balance : {$1200.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$4900.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. Despite three previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). You have NOT provided me a copy of ANY original documentation ( a consum
er contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to ... promptly REPAIR all information which can not be verified. 
XXXX XXXX XXXX Open Date XX/XX/2018 Balance : {$14000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX Ive already included this report in my previous letter & I am including it again. Also, the information you provided on the account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$43000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is a follow-up complaint to my previous complaint dated XXXX to ensure that the following fraudulent items are deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Balance : {$6000.00} XXXX XXXX CO XXXX XXXX Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$100.00} XXXX CARD XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am filing 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 and Regulations E.These actions have called significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes, I have tried to contact you guys multiple of time over the phone that I'm in the military and that I was told that american express Would waive off the annual fee but i kept getting different answer over the phone XXXX rep has told me that i wouldn't need to do anything and a few other rep took down my social number and date of birth that i would need to submit a claim.. is there way for me to get this done asap? I'm just tired of getting different answer on what to do.
Product: Payday loan, title loan, or personal loan

They signed me up for a {$1000.00} loan but only lended me {$300.00}, then held {$700.00} in escrow with their company. On the payoff, I paid them {$1100.00} ( having only borrowed {$300.00} ) on the premise, the {$700.00} would come back to me in my account in 2 business days. That did not happen and the agent on the phone said it would take 7-9 MORE business days to give me my money back. This is theft
Product: Student loan

I attended University of XXXX XXXX in XXXX WA, and graduated in XXXX 2013 with a XXXX. In order to attend this private school, I took out private student loans with my main bank Wells Fargo, today costing in the range of {$150000.00} of debt. Upon graduation I was able to pay a very small monthly portion with my parents help, but the payments soon proved difficult to manage, and I was unemployed. With the help of my parents, who are my cosigners, I asked Wells Fargo for payment assistance, either forbearance, postponement, or smaller monthly payments so I that I would be able to handle the payments, especially when I did get full time employment. The response I got in the beginning was " We will get back to you. '' Now, their calls are frequent and harassing, asking for payments. When I tell them, repeatedly, that I can not make the payment and would like to discuss options, I am told " there is nothing we can do '' and then they ask for the payment again. At one point, I began to receive calls at my place of work, from the work phone, a number I never provided to Wells Fargo. I asked where they got the work number and they did not disclose a source, at which point I told them to erase the number and that I did not want to receive calls on the work phone as it is reserved for business call only. Last spring, my mother was finally able to speak to a representative in their Student Loan Payment Assistance team and I was sent a packet to fill out. This was the first time I had heard of the Payment Assistance Team, after over a year of asking for assistance over the phone. I filled out the paperwork, sent in my paystubs and paperwork by mail, and heard from my parents that they too sent in their information. I never received a response, and continued to receive phone calls and letters requiring payments. After a few weeks, I received a letter stating that they never received all of the paperwork and my assistance request was denied. My mother resent the materials by fax, and received the same response. Since then, we have sent in the paperwork a total of 6 more times, with the fax receipts to prove it, and zero response from Wells Fargo. I am beginning to doubt the validity of the Payment Assistance Team, and have no faith in Wells Fargo to offer help or assistance. When I have explained over the phone to Wells Fargo employees the fact that my monthly payment is not enough to cover this Student Loan payment, as well as rent, my Federal Student Loan payments, utilities, and personal necessities ( i.e. food, clothing, toiletries ), I am met with no offer of help or options that I can choose from. When I mention I am working with the Payment Assistance Team, the debt collectors often do not know what I mean and can not transfer me between departments. Overall, the lack of help and assistance is frustrating, as well as the lack of constructive communication between Wells Fargo and myself.
Product: Credit reporting or other personal consumer reports

Your Name Your Address City, State, ZIP Email Address Phone Number Date Credit Reporting Agency Name Address City, State, ZIP Subject : Dispute of Inaccurate Information under FCRA Section 1681XXXX Dear Sir/Madam, I am writing to formally dispute certain information in my credit report under the Fair Credit Reporting Act ( FCRA ), specifically Section XXXX, which allows me to challenge inaccurate or incomplete information. 

Upon reviewing my credit report, I found the following errors that I believe are incorrect and need to be rectified : Disputed Item : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not know these accounts. 



Under Section XXXX of the FCRA, I request that you investigate this matter promptly and correct the erroneous information. Please notify me of the outcome of the investigation and any updates to my credit report. 

If this matter is not resolved within the required time frame or if the information is not corrected as required under the FCRA, I will consider pursuing further action as outlined under Section 1681o, which may include seeking damages for any willful noncompliance. 

Thank you for your immediate attention to this matter. I look forward to receiving confirmation of the dispute and resolution. 

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

When I try to authorize my identity 8s says to identify existing mortgage loan thru a multiple of companies.also to identify loan for a vehicle for another set of companies. I have never applied for either. So I'm think someone somewhere isusing my identity to obtain property.
Product: Debt collection

XXXX, ( XXXX XXXX XXXX ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone : ( XXXX ) XXXX XXXX bought our Heloc debt from XXXX as part of the XXXX agreement, and were obliged to make efforts for a fair modification of the debt, in XX/XX/XXXX. XXXX XXXX was mandated under this XXXX agreement to modify homeowner debt, as part of forgiveness of their penalty owed to U.S. taxpayers for their crimes during the housing crisis. 

Instead, in our case, they committed modification fraud, they tried to hold us accountable for an completely false amount, they filed foreclosure ( lis penance ) in the midst of " modifying '', and they would not do a proper appraisal. 

They were just going through the motions of " modifying '', and then quickly sold the the debt to another bank XXXX XXXX, and a new service XXXX XXXX in XX/XX/XXXX. 

But now, XXXX has filed foreclosure, and judgement for sale on our home, based on false debt and in violation of the the XXXX agreement, and they do not even have standing to foreclose or sell, as they advised us that they sold the loan, and servicing in XX/XX/XXXX, yet  they files a motion to sell our home in XX/XX/XXXX. 

It is pure harassment, fraudulent modification, false reporting to credit bureau, and more legal bills.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX
Product: Mortgage

In XXXX, I purchased a home in XXXX, XXXX while on XXXX XXXX in the XXXX XXXX XXXX. I received mandatory permanent change of station orders to XXXX in XXXX, upon which time I rented the home, but once the renters moved out and the market tanked, and due to a loss of income after my wife lost her employment during the move, I began processing a short sale of the home in XXXX. Since XXXX, I have had XXXX buyers for a short sale and on each occasion, the XXXX mortgagers did not come to agreement and thereby causing the short sale purchasers to abandon the purchase. Seven XXXX XXXX XXXX years later - as of this complaint, I still have not had success selling this home and the home remains vacant since XXXX.
Product: Debt collection

I don't owe anything to PORTFOLIO RECOV ASSOC with account number XXXX. They should have confirmed this from the Original Creditor XXXX XXXX XXXX  XXXX XXXX. since I have made my payment to them. Investigate this account thoroughly and make the necessary correction or just remove the account automatically.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXXXXXX have violated my rights.

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I recieved an email from XXXX, a credit reporting group, who told me my credit score had declined, see details The details in summary said that the report I filed to XXXX XXXX XXXX complaining on a legititamate overcharge on my visa card of {$12.00} by a restaurant, documented and emailed to them, has not been resolved, but that Transunion has shown that my credit score has declined from XXXX to XXXX due to my filing a claim. 
I called XXXX XXXX XXXX, and they said that there was nothing they could do about the decline in the credit score as they only report such issues to the credit bureaus, and they were surprised that it would affect my credit. 
I tried to go online to Transunion, however, the online claim reports indicated I could not complain about my score to them, they had the right to do what they wanted. 
No company, or group of credit reporting companies, should have the right to reduce anyones credit because they found an error on the charges on their account, and questioned an overcharge. They said " well, perhaps in 30 or so days when this issue was studied and resolved, perhaps the credit score will go back up. However, they had not control over this and they only report it to the bureaus as they are instructed. '' Well, firstly, I don't think this should be allowed to be reported to credit bureaus, and secondly, no credit bureaus should be allowed such powers to adjust your credit report for asking a question. 

Is this right?
Product: Credit reporting, credit repair services, or other personal consumer reports

I saw my recent credit report that I have late payments on my history with this account which I think I am not late at all. 
CAPITAL ONE XX/XX/XXXX - XX/XX/XXXX XXXX