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

Between XXXX I was the victim of identity fraud ; the thief applied for 3 credit cards in my name. On XX/XX/XXXX, they applied for credits cards with XXXX XXXX XXXX ( XXXX ) and XXXX  XXXX and another card on XX/XX/XXXX with XXXX XXXX. All the banks were called to report the fraud. XXXX halted the in-progress application and the other two  banks cancelled the accounts and initiated investigations. The investigations all found that these were fraudulent accounts, reported this to the three credit agencies and sent me letters stating such. Additionally on XX/XX/XXXX, I froze my accounts at all three credit bureaus, initiated fraud alerts with all of them and filed a police report. 

In XXXX, I checked my credit record with the three agencies and they had removed the accounts from my credit record but neither XXXX, Equifax nor XXXX removed the hard inquiries for the fraudulent accounts. On XXXX I disputed the inquiries with each of the three agencies. XXXX removed the inquiries and XXXX did not ( I am also submitting a complaint for them ). On XXXX, Equifax sent a letter stating they would not remove the inquiries because they are factual. I called Equifax to find out why it would not be removed and how to dispute it. They instructed me to send them copies of the letters from the credit cards and a letter stating I am requesting removal of the inquiries so on XX/XX/XXXX I mailed them the documentation. 

In mid-XXXX  I checked my credit record at Equifax and the hard inquiries were still on my record so I called them to discuss how to remove them. On XX/XX/XXXX, I instigated another dispute online with Equifax and on XX/XX/XXXX they closed the investigation stating again the inquiries are factual and would not be removed. On XX/XX/XXXX, I re-sent the credit card investigation findings letters, a letter demanding removal of the inquiries and this time a copy of the police report to Equifax. I am awaiting a response from them. 

I do not believe it should be this difficult to correct your credit record especially after the agencies are notified by the credit cards of the fraudulent activity. The mere reporting of the fraud by the credit card banks to the agencies should have resulted in the complete removal of all traces of the fraudulent activity. The fraudulent activity definitely should have been removed once I sent the investigation letters from the credit card banks. It is preposterous that Equifax has not removed this fraudulent activity at this point.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a XXXX  determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past Three years, I have trying to get this information removed from my report at XXXX. I have made over 10 complaints ' with CFPB that XXXX only updates the incorrect information instead delete it as XXXX did after investigations of the matter. I am Demand them to Delete the account it has been over seven years of incorrect information. They have stretched the law for seven years
Product: Debt collection

I have tried to dispute, multiple times a collection that was included in my BKXXXX - even after discharge their remarks claimed it was an open and active collection account, accosting me an extra out of the gate from discharge derogatory, incorrect and damaging collection status, balance, and keeping the status as an open and active collection account REGARDLESS of the the fact that it was IIB and took several disputes just to get the remark chapter XXXX bk noted, however, they REFUSE to change the status to closed discharged and IIB and it is affecting my credit standing and rebuilding process in the worst way possible. It's not only an FCRA violation, it's an attempt to look like a risky borrower on all 3 of CRA 's. 

The status should report as all of my other tradelines have, XXXX balance, included in BKXXXX and have it listed as a CLOSED matter as it is such. It is still not 100 % accurately reporting after several disputes. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

my information was stolen when XXXX XXXX XXXX XXXX and apart of the equifax data breach. the XXXX XXXX XXXX and a few more fraud accounts were removed and these creditors have failed to take it off they keep putting them back on after proper paperwork was failed exspecialy XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Here is a copy of a phone call I received from speedy cash. 

Need to pay or going to XXXX - pressing charges within 48 hrs. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( speedy Cash )
Product: Mortgage

To Whom It May Concern : I made a written request to my current mortgage company, Midland Mortgage, to eliminate the PMI. I have not been late with any mortgage payments for at least a year and I have more than 20 % equity in my current home ( my mortgage has reached the 80 % loan-to value ratio ). 

Eliminating the PMI, will help me continue to make timely mortgage payments and reduce financial constraints. 

Sincerely, XXXX XXXX
Product: Student loan

I had private loans with SallieMae when I graduated college in XXXX. I started payments soon after. The Public Service Loan Forgiveness program started in XXXX and I thought I was the perfect candidate. I worked for XXXXXXXX XXXX XXXX for at least five years while paying off my loans, then moved to XXXX XXXX and started working for a XXXXXXXX XXXX XXXX XXXX. I thought I was well on my way to having my loans forgiven. I called SallieMae to find out what I needed to do. They told me that I needed to get onto one of  their income based repayment plans and I would be doing everything necessary for the Public Loan Forgiveness plan. The thing they didn't tell me was that your loans had to be Federal loans to take advantage of this program at all. At the time, in XXXX, there wasn't any information online for me to read that would let me figure this out myself. What incentive did SallieMae have to let me leave their company? It took until much more recently, I don't remember exactly when it was, but I removed my loans from SallieMae and re-consolidated them ( took on more interest ) with XXXX. I now have something like 20-30 payments toward public loan forgiveness. I should have been done with this program by now. I've been paying Income Based repayments since XXXX, that's almost 12 years worth of payments, and I barely have a few years worth from XXXX  XXXX.
Product: Debt collection

I just received a notice from Midland Credit Management regarding a debt of XXXX that I do not know of. I am also permantely XXXX on XXXX  since 2021 so I would have no way to pay this. I have informed them and they had no formal report service. I am reporting them here as well so the communication is clear regarding the wrongful debt and myself being on XXXX ( fixed income ).
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable. 

Violations of Federal Law 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation. 
2.Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law. 
3.Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights. 

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX XXXX XXXX XXXX ( XXXX ) : Reinforced your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers. 
XXXXXXXX XXXX XXXX XXXX ( XXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages. 

Demand for Immediate Action I demand the following actions, without delay : 1.Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions.

2.Provide a comprehensive written explanation detailing your investigation process and results.

3.Permanently remove or block all inaccurate information associated with my identity theft. 

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o. 

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

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

I have sent several letters to Experian to notify them of accounts unauthorized and inaccurate. Experian has fail to conduct proper investigations and continue to report these items while in dispute. Experian is willfully non compliant and negligent. Experian continues to break the law!
Product: Mortgage

We closed on our house last month. At the time of closing we paid all fees to include our taxes. Despite being advised by our closing attorney ( and I have emails to show this ) the mortgage company decided to not wire the money for taxes, instead they deducted it and kept it. Where this becomes a problem is they sold our loan quickly to another company and now no one can tell us where this money is. We have been working with our local branch and are told no one can find it. We have called customer service at Primary Residential Mortgage and are told we never had an account with them. We keep getting the run around despite having emails given to us by the attorney showing that XXXX kept our money. I have tried sending emails to the closing representative at XXXX and they refuse to respond to me. At this point no one can tell us where our money is and will not communicate with us. It seems they have kept our money and are claiming to have no record of it. Again we have documentation that they did not follow normal procedure and were advised against doing this by our attorney, XXXX refused to comply with the attorney recommendation and this has resulted in the loss of our money. We are beginning to suspect they have stolen our money or doing some form of illegal activities. I have exhausted all avenues other than someone with the government investigating what happened, so we are not out more money to pay our property taxes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, TX XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
4. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
5. The inquiry was not authorized XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
6. The inquiry was not authorized XXXX XXXX  XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
7. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
8. there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
9. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
10. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
11. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
12. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.
Product: Checking or savings account

I opened a credit card with Key Bank during a promotion which deposits {$150.00} into your savings account after successfully completing a balance transfer within a specified period of time, which I did. When I called on XX/XX/XXXX, I spoke with XXXX XXXX and asked why the funds were not deposited, I was told the bank had three monthly business cycles from the date of the transfer ( not the opening of the credit card ) and that the funds would be deposited in the XXXX business cycle. I forwarded her the promotional email I received which is what I used to initiate the transaction. 
I called again on XX/XX/XXXX, as the funds were not deposited into my account, again speaking with XXXX XXXX. Again, I provided the marketing code and was told the funds would be deposited within two weeks. 
I called Key Bank again on XXXX XXXX and spoke with XXXX. After researching, he indicated nothing had been previously submitted to start the process of depositing my {$150.00} into the savings account, but that the funds would be deposited on XX/XX/XXXX. He told me he would check my account and reach out. The money still has not been deposited and I have left two messages with no response from XXXX, who is my account XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I sent in a dispute letter to Experian asking them to provide proof of verification as to how they verified the bankruptcy on my credit report. I never received a response from either party regarding proof.
Product: Debt collection

There was an old charge off on my credit report from XXXX XXXX  XXXX XXXX that portfolio recovery purchased. Each time I try to contact the debit collector about removing the inaccurate information as the charge off is well beyond the statue of limitation, the company refuses to remove the information and the credit agencies continue to report the transaction even though I have disputed the charge off several times. 

Additionally, the debt collector keep re populating the debt with a new date to make the derogatory remarks appear new on my credit report. 

When I attempt to contact this collector, they offer idle threats and they are aware that they utilizing predatory collection practices that are designed to hurt, and humilate the consumer even though this is a very old debit. One of their communications even states that they are aware that the debt is too old to take legal actions, but yet they keep recycling it on my credit report. 

When I asked for a manager, I was given the runaround and put on hold. when I tried to go through the credit bureaus to dispute this debt, the collector responds that it's accurate and that is not true. The credit agencies are not following through.
Product: Debt collection

I applied for a phone and phone plan in XXXX 2014 with XXXX. While waiting for them to ship me my phone, I found I better service with another provider and signed up with them. When I received my phone, I did not open the package and did not activate the plan. I promptly returned the phone and all contents of the package to a XXXX storefront where they took the phone. I did not use their services at all. I received a phone bill from XXXX for that month, charging me {$70.00}. I do not owe them {$70.00} because I never used their services.
Product: Credit reporting or other personal consumer reports

Requested and have yet to receive the following ; $ XXXX from XXXX XXXX that was submitted. Still pending for check. XXXX XXXX XXXX XXXX employment letter regarding denial letter due to credit obligations and issues. Never received a letter reflecting the background check findings that was completed. Please contact Wells Fargo HR Denial Letter from Merchant Services regarding XXXX. Wells Farfo Merchant Dept Sn official Denial letter from Wells Fargo regarding a business account I initially try to open for my business XXXX XXXX XXXX XXXX XXXX, XXXX. Wells Fargo Bank, XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The listed accounts below have violated my federally protected consumer rights to privacy and confidentiality as a consumer under 15 USC 1681. 

XXXX XXXX Closed Date : XX/XX/XXXX XX/XX/XXXX Amount : {$1300.00} XXXX XXXX XXXX  Closed Date : XX/XX/XXXX Amount : {$830.00} XXXX XXXX Closed Date : XX/XX/XXXX. Amount : {$750.00} XXXX XXXX XXXX  XXXX. Closed Date : XX/XX/XXXX. Amount : {$350.00} XXXX XXXX XXXX Date Assigned : XX/XX/XXXX. Amount : {$1000.00} XXXX XXXX XXXX XXXXXXXX XXXX Date Assigned : {$2400.00}. Amount : {$2400.00} 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.

15 U.S.C. 1681 section 602 a., states that I have a right to privacy!

15 U.S.C. 1681 section 604 A section 2., state a consumer porting agency can not furnish an account without my written instruction. 

15 U.S.C. 1681c. ( a ) ( 6 ) states the name, address, and telephone number of any medical information furnisher that has notified the agency of its status 15 u.s.c. 1681s-2 ( a ) ( 1 ) ( a ) state a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.

15 u.s.c. 1681s-2 ( a ) ( 1 ) ( b ) states a person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I have repeatedly disputed the accuracy and or ownership of the above mentioned accounts directly with the companies and or persons and the consumer reporting agency without out avail. I file the complaint in earnest with the best intentions of resolve.
Product: Credit reporting or other personal consumer reports

I have two hard inquiries on my account for a Credit Card with this is company, and I never applied for a credit card with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Home Equity Loan with XXXX XXXX has been paid off. I recently reach out and provide credit bureaus agencies documents of my Home Equity Loan has been paid off. It should've been reported to all three reporting agencies Equifax Information Services XXXX LLC, XXXX, and XXXX XXXX Document By U.S. Department of Housing and Urban Development indicate Payoff to XXXX XXXX XXXX  XXXX. in the amount {$43000.00} XXXX XXXX XXXX XXXX
Product: Checking or savings account

Having enough money in the bank then all of a sudden not enough to cover cost so they charge over draft fees,
Product: Debt collection

This negative item does not meet XXXX reporting requirements, i do not recognize how or why its reporting when the debt was resolved from myself to Wells Fargo Bank from XX/XX/2022. Delete immediately
Product: Credit reporting or other personal consumer reports

Errors in identity data such as wrong name phone number or address. In counts account from identity theft. I am reporting all my credit reports using FLA Laws. Experian and XXXX, XXXX.I was hacked by XXXX XXXX XXXX XXXX which exposed all my information.