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

Im writing to formally request that Experian block certain information on my credit report due to identity theft and fraud, in line with FCRA 605B ( 15 U.S.C. 1681c-2 ). 

Here are the fraudulent accounts I need removed : XXXX. A personal credit card account opened at XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX, under account number [ acct # ], {$5200.00}. 
XXXX. A personal loan account opened at XXXX on XX/XX/XXXX, under account number XXXX. [ acct # ], {$5000.00}. 
XXXX. A mortgage loan account opened at XXXX XXXX XXXX on XX/XX/XXXX, under account number [ acct # ], {$370000.00}. 
XXXX. A banking account opened at XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX, under account number [ acct # ], {$1000.00}. 
XXXX. A banking account opened at XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX, under account number [ acct # ], {$1000.00}. 

These accounts have resulted in multiple fraudulent hard inquiries and collections showing up on my consumer XXXX credit report. I've attached a list of the hard inquiries in question, as well as a copy of my consumer XXXX credit report from Experian showing these fraudulent items. 

I do not recognize any of these accounts, collections, or hard inquiries. They were not opened, made, or initiated by me and are clearly the result of identity theft and fraud. Ive also included a copy of the FTC Identity Theft Criminal Complaint # [ report # ] as proof from the US Federal Trade Commission confirming that these accounts, collections, and inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has not resolved the issue of this account. First this account is too old to be reporting my credit. It was closed in XX/XX/2011. Furthermore they are saying that I was late when I never made a late payment. This account needs to be removed immediately. 

Also when reporting a late payment, it should show when I was late. It does not.
Product: Credit reporting or other personal consumer reports

My XXXX XXXX XXXXXXXX and equifax has failed to remove inaccurate information from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Bankruptcy reported on my record over 10 years Numerous unauthorized credit inquiries Wrong addresses reported as previous address I have only one address over 15 years : XXXX Cimarron XXXX XXXX XXXX XXXX, Ca XXXX Wrong HIGH balances on my open accounts reporting as 98 % credit usage.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 i paid off my XXXXXXXX XXXX  & credit score went up XXXX XXXX, Then on XX/XX/2022 i paid off my XXXXXXXX XXXX XXXX card {$4400.00} & my credit score went down XXXX XXXX, This credit reporting agency is equifax. i was turned down for a credit increase because of it.equifax is a rotten crooked organization, they make money when your score is bad, I plan to sue
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX  XXXX Balance : {$18000.00} ; XXXX  XXXX XXXX Balance : {$14000.00} ; XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XXXXXXXX Balance : {$14000.00} ; XXXX  XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX : {$8700.00} ; XXXX  XXXX Balance : {$21000.00} ; XXXX XXXX XXXX Balance : {$16000.00}.
Product: Student loan

I am writing to file a formal complaint against Navient, the XXXX loan servicing company, regarding their persistent harassment and unfair practices in relation to my XXXX loans. My loans were originally with Navient but were subsequently refinanced with XXXX. The transition to XXXX was motivated by the need for a more flexible and reasonable repayment plan. However, despite the refinancing & lacking the ability to keep up with {$1500.00} - {$2000.00} a month payments, Navient continues to harass both myself and my immediate and extended family members, creating undue stress and hardship for us. 

I refinanced my XXXX loans with XXXX as Navient was unwilling to collaborate on establishing a livable monthly payment plan. Navient insisted on exorbitant monthly payments exceeding {$2000.00} for private loans alone, despite the knowledge of my concurrent federal loans. This lack of cooperation and consideration has compelled me to seek a more reasonable arrangement with XXXX. 

The primary issue I am reporting involves the relentless and intrusive communication from Navient. They contact not only me but also my family members, including my parents, aunts, uncles, great aunts, great uncles, and cousins, multiple times daily. Despite my numerous requests for them to document my concerns and desist from this harassment, Navient has not only failed to comply but has also continued to propose unattainable monthly payment plans and forbearance options. These proposed solutions not only fail to address the underlying issue but also risk exacerbating my already substantial debt by incurring additional unlivable interest. 

Furthermore, I have expressed the impact of this incessant harassment on my parents ' declining health conditions, and yet Navient remains unresponsive to my pleas for a reasonable and amicable resolution. Their refusal to cease communication with additional parties not listed on file, beyond myself and my cell phone number, is both intrusive and inappropriate. 

I am left with no choice but to inform Navient of my intent to report and pursue legal action against them for harassment and unfair practices. Despite this, their persistence in their actions continues unabated. 

I kindly request that the Consumer Financial Protection Bureau conduct a thorough investigation into this matter and take appropriate action against Navient for their violation of fair debt collection practices. I believe that my rights as a borrower are being egregiously disregarded, and I trust that the Bureau will intervene to rectify this situation. 

Thank you for your attention to this matter, and I look forward to a swift resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit card and was not approved. There are still items on my credit that are not mine, XXXX XXXX XXXX XXXXXXXX XXXX. Please remove these from my credit.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Charge Off XXXX XXXX XXXX - {$5200.00} Late Payment XXXXXXXX XXXX XXXX XXXX XXXX - {$0.00}
Product: Credit reporting or other personal consumer reports

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Money transfer, virtual currency, or money service

I am filing a complaint with 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 Regulations E. These actions have caused significant inconvenience and the financial loss, and I seek appropriate redress for these violations. So because they didnt want to in force the issues at hand my accounts were closed instead.
Product: Mortgage

TD bank did not apply additional principal payments to the principal balance on my loan, they paid the payments going forward. They are unwilling to discuss with me how this happened and how they are going to rectify it.
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 # XXXX, Account name 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 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, credit repair services, or other personal consumer reports

Dear reader, I am reporting a complaint and potentially I may even file a law suit against XXXX, Transunion, and XXXX. After looking over my reports I have discovered some things that are beyond belief and disturbing, the amount of inaccuracies that are on my report are unbelievable. I would like to start off with the addresses : Current Address XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date Reported XX/XX/XXXX Other XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported XX/XX/XXXX Other XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date Reported XX/XX/XXXX As you can see these addresses are not mine and are fraudulent. My home address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and on that report which I will be providing for you all it reads that my current address is XXXX XXXX XXXX. Incorrect I have disputed with this company and to find out that all this is on my report is beyond frightening. I also filed a identity theft report as well. I also saw over XXXX phone numbers all of which are not mine and these numbers are : Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Not to mention the amount of fraudulent collection accounts, hard inquiries, and soft inquires. The collection accounts are as follows : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As you can also see I haven't checked my report in XXXX and to find this I wonder what else is illegally being reported on my credit reports from the other agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, I spoke to the representative who acknowledged the information was wrong, and stated they would forward it to a supervisor XXXX Monday no correspondence, I reached out again Tuesday and they called and gave an excuse, they are reporting the wrong information about my business to the credit bureaus, they have acknowledged and refuse to vefiy the discrepancy has been remedied and the correct information has been forwarded to the bureaus respectively, they report on the XXXX of every month and have been reporting wrong throughout the duration, I pay XXXX quarterly and they have failed to adhere to the contract, I have been diligent with trying to fix the issue, hence this was my last report, I will report the XXXX next.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX {$30000.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX   XXXX {$97.00} XXXX  XXXX XXXX {$350.00} XXXX XXXX XXXX {$390.00} XXXX   XXXX  XXXX {$620.00} XXXX XXXX XXXX {$1000.00}
Product: Checking or savings account

On XX/XX/XXXX I received a text message labeled as being from Bank of America asking if I had approved a charge for {$900.00} to XXXX. I responded NO as I had in the past when I received texts such as this. I received a phone call saying they were from the Bank of America XXXX department which is what the number listed as. They asked that I log on to verify my last purchase. Because I logged on with my phone, Bank of America said they utilized a malware that allowed them to access my account. Apparently this has happened very often recently. I did not provide my password or any login information. Minutes after the phone call ended I called Bank of America because I received XXXX emails. XXXX that said I had taken a cash advance for {$1300.00} from my credit card, XXXX for a wire transfer for {$8000.00}, and XXXX for a wire transfer of {$1900.00}. When I called the fraud department they did a swift recall to stop the {$1900.00} wire, but they said the {$8000.00} wire had already processed. A red flag never went up to say something might be wrong, yet it maxed out my credit card and completely emptied my checking account. During my XXXX years with Bank of America I never once sent a wire nor have I ever taken a cash advance. They froze my account and I still cant access it to this day. I had no way to access my money that they were able to stop nor the XXXX paychecks that followed. I couldnt open a new account easily because of the fraud. For close to a month all I had was the cash in my wallet previous to XX/XX/XXXX. Bank of America said there was very little chance I would get my money back. They filed my claim as a scam, said that was incorrect, and refiled as a fraud. They have denied my claim twice. During this time I filed a local police report, an FBI report, a FTC report, a report with the local Maine XXXX XXXX, a complaint with the BBB, a letter to the XXXX  of Bank of America, and my story was told over the news and investigated in their department. They said all accounts were frozen during this time, but a couple weeks after this took place a fraudulent charge of another {$360.00} happened on my credit card. I couldnt use it but someone else did. Then they said they sent XXXX replacement cards, but I never received them. This meant I had to wait weeks for even a new credit card. I didnt get a new one until the third time I requested it. This situation took everything I had. I couldnt pay rent or my car. I was at risk of eviction and loosing my car. I am slowly trying to build back my finances, but working at a non-profit domestic XXXX agency I am already living paycheck to paycheck. I dont understand why someone would do this, and I cant understand how the bank could do nothing to protect me. I know to a XXXX dollar corporation {$8000.00} is nothing and was very clear that they did not care. Even their employees said the bank would not help me. But to me, this was everything.
Product: Debt collection

Genesis FS Card has called me XXXX XXXX times in the last XXXX days. They called me XXXX of those times on Saturday, XX/XX/XXXX. I have already asked them on numerous occasions to stop calling me and have blocked them each time they have called since then. They are using a different number each time they call and have used spoofed numbers with my area code and neighboring area codes in an attempt to get me to respond.
Product: Debt collection

Monterey Financial Services, LLC. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Tel : ( XXXX ) XXXX Purchased a puppy in XXXX Massachusetts at the XXXX XXXX Store inside the XXXX XXXX XXXX on XX/XX/2018. 

The purchase price was {$3100.00} I have paid {$2900.00} to date. 

Company states i owe 30 payments of {$230.00} and at the end of those payments i will still owe another {$3000.00} in interest?
Product: Vehicle loan or lease

I have a vehicle load through Lightstream ( a division of Truist Bank ). On or about XX/XX/2021 I was diagnosed with a severe case of XXXX. I made multiple attempts to explain my circumstances to Lightstream and they fail to recognize COVID as a pandemic and valid reason. I apparently missed a payment during this time. My loan term is 48 months, I am 17 months into this loan and I have paid {$1600.00} in extra payments and more than half of the loan in this time. I am requesting Lightstream to remove the negative remark from my credit file. Any help would be appreciated. Thank you.
Product: Money transfer, virtual currency, or money service

I transferred {$1800.00} to Sigue Company on XX/XX/year>, but my family has not received the money yet, and I can not contact Sigue Company. Sigue Company has closed down.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX-Date of inquiry XX/XX/2021 XXXX XXXXDate of inquiry XX/XX/2021 XXXX XXXXDate of inquiry XX/XX/2021 XXXX XXXX-Date of inquiry XX/XX/2021
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EXPERIAN has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report XXXX, hoping that you make a better decision in my situation, thank you