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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADECOMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXBalance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXBalance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$1100.00} XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$4700.00} ; XXXX Balance : {$530.00} ; XXXX  XXXX Balance : {$510.00} ; XXXX  XXXX Balance : {$1100.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$490.00} ; XXXX XXXX Balance : {$870.00} ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX, MO XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

Months ago, I sent a letter to the XXXX credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have contacted Blakey-Witt with no succes. I called XXXX XXXX. No call back. I also contacted them through mail on XXXX XXXX. I submitted a complaint through the BBB and have had no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act ( US CODE SUB CHAPTER 3, 15 USC, 1681, section 604-A ) The list of accounts below has violated my federally protected consumer rights to privacy, and confidentiality under 15 usc 1681 : XXXX XXXX account, account closed XX/XX/2015 ( XXXX ), XX/XX/2015 ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing because XXXX XXXX has sent my account to collections and the Collection agency reported me to the credit bureaus. I had moved and they sent the statements to the old address and I also PAID the balance. Also under the CARES Act, which President Trump signed into law on XX/XX/2020, Act amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisis, They reported me in May, They need to REMOVE it from credit bureaus. I don't want them to JUST update it, they have to completely REMOVE it from ALL the credit bureaus or from the ones they reported it to. My score dropped significantly and I'm in the middle of getting a mortgage
Product: Credit card or prepaid card

I opened an account with Synchrony Bank for a retail credit card with XXXX XXXX I was on XXXX military XXXX at the time. Since then other credit card companies have return and amended interested and refunded fees I had during this time to be compliant with SCRA Servicemembers civil relief act. However Synchrony bank is noncomplicit and refunds to adjust for interest rates or payments for the months and times I was on XXXX military XXXX
Product: Money transfer, virtual currency, or money service

I am writing to normally express my concerns regarding Zelles handling of disputes, particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims inadequately. They informed me that recovering lost funds was Impossible and that tracking these transactions was infeasible the CFBSs findings indicate that Zelle not only failed to protect consumers but also allowed repeat offenders to exploit the system leaving users vulnerable to scams.
Product: Mortgage

In XX/XX/XXXX we started building a home with Toll Brothers, in order for them to start the building process you need to be pre qualified by the mortgage company they own TBI. 
At the time ( XX/XX/XXXX ) the interest rates where high, we where lured to get a rate lock agreement for 1 year ( takes a year for the house to be built ) We where also considering going with another lender ( XXXX  XXXX ) this year the mortgage rates improved and we decided to go with XXXX XXXX TBI was made aware of this, they cancelled the loan process but enforced the rate lock fee of almost XXXX dollars We asked them multiple times to waive this fee since we are working with another lender but Toll Brothers refused, now they are including this fee in the closing costs via their Title company XXXX XXXX XXXX ( agency they also own ). 
If we refuse to pay it they will not allow us to close with is supposed to be on XX/XX/XXXX and we will be at default, losing thousands of dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am a victim of identity theft. the inquiries on my report I do not recognize
Product: Debt collection

The company sent a summons on XX/XX/XXXX. They claimed they sent paperwork about a garnishment in XX/XX/XXXX. I NEVER received any notification to settle the debt or anything. None of their letter were sent certified so how can they say I received it if I really did not. I did received the garnishment paper work in XXXX of XXXX but nothing between the supposed garnishment and now. I offered them {$2000.00} in XX/XX/XXXX and they refused it. This debt isnt valid. I do not get any settlement notification and when i had been calling in XXXX of XXXX they barely answer, they are rude and just are not willing to work with them. I am now forced to be self employed. I am still willing to settle for the {$2000.00} but the garnishment and judgement must go away for good and paid in full! They were serving lawsuits in the middle of a pandemic and its sad that judges were really signing off on them! At my home we have cluster boxes and it would be easy for me not to received mail and I honestly never got any other correspondence from Eaton Group.
Product: Credit reporting or other personal consumer reports

I received an email from this company yesterday stating that the company stated it is still working on the issue but the company Experian sent an email yesterday stating the dispute is completed. Therefore, the issue was not resolved. This is report # XXXX. I requested another dispute today to have the item removed from my credit file permanently.
Product: Credit reporting

XXXX you have a case in XX/XX/XXXX and XX/XX/XXXX as XXXX cases its the same case so XX/XX/XXXX case should be taken off the case just lasted that long so please take off my report also the case was expunged. should not even be on your report. as far as the case in XX/XX/XXXX should not even be on your report it was dropped never even got booked. please remove these criminal charges. this is preventing me from Renting a place to live. 
XXXX XXXX XXXX XXXX
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 these accounts : XXXX XXXX  Account # XXXX, 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.
Product: Student loan

On XX/XX/year> I called the MOHELA customer service line and waited XXXX hour and XXXX minutes on the phone before being able to speak with a human. I told the customer service rep that my student loans are being double reported on my credit report and requested they fix the issue and send me a letter stating that they are fixing the issue. The rep told me that she would have to transfer me to someone else, who would also transfer me to someone that could actually help me. Since their lines close at XXXX and it was after XXXX at that point, I decided to end the call and try again the next day. 
On XX/XX/year> I sent a message through my MOHELA account stating that my loans are being double reported. I requested that they fix this error right away and also send me a letter stating that they are being reported in error and that the issue is being resolved. I am trying to get a mortgage loan and the DOUBLE LOAN DEBT is severely affecting my ability to get the best interest rate and a higher loan amount. 
I also called MOHELA customer service again on XX/XX/year> and spent XXXX hour XXXX minutes before talking to someone that said she would submit a request for the letter and submit a request for review and resolution of the credit reporting error. She informed me it could take up to XXXX business days to receive the letter- which I would receive in my MOHELA account inbox - and up to XXXX business days to complete the resolution process on their end. 
On XX/XX/year> I sent XXXX more messages stating that I had not received my letter. I received no response back. 
On XX/XX/year> I sent another message stating that I am again requesting a formal review of my credit reporting error and requesting a letter. I also called the customer service line again and waited on hold for exactly XXXX hours before speaking with a human. The rep transferred me to a supervisor who promised she would escalate my issue and get a letter sent to me. She also told me she had me scheduled for a call back from MOHELA to update me on the resolution, and that would take XXXX business days. 
On XX/XX/year> I received a message stating that a letter had been sent to me on XX/XX/year>. However there is no record in my MOHELA inbox, in any of my email accounts, and no record of anything being delivered to my house from MOHELA ( verified by the post office ). 
It has been over a month since I sent in my request, and I've spent around XXXX hours on the phone on hold with still no resolution. It has been VERY frustrating and nearly impossible to get ahold of anyone in a timely manner and they still have not resolved my issue, which is affecting my livelihood. I need my credit reporting to be accurate and I need a letter in the meantime so I can do certain things in my life that rely on my debt to income ratio.
Product: Debt collection

I don't have any debt. None. I get harassing phone calls from companies all the time even though I have no debt and my phone numbers are listed on the do not call list. I attempted to complain to the do not call registry and the website pointed me here. Today 's call at XXXX XXXX was from XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have an account named ( XXXX XXXX XXXX ) on my credit report that has been cancelled for months now still havent updated on my credit report. Also I have so many inaccurate addresses on my credit report that XXXX wont let me dispute. Also I have a personal statement/ consumer report / fraud alert on my credit report I have been disputing these same items for months no RESPONSE OR ACTION HAS BEEN TAKEN. 
I was a victim of identity theft.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX CARD on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Early Warning Services is reporting that I committed checking account fraud. I have never committed fraud against any Financial Institution. Also, this company has a address listed on my consumer report that i have never been associated with. I have filed a police report and also I am a victim of identity theft.
Product: Consumer Loan

There a couple or several inquiries being report by Capital One Auto, there inquiries are not mine.They were never may by me on the dates I see my credit being pulled.Someone else must have made these or you company access my information without permissible purpose.I had just recently bought a car and was approved on by XXXX, so I would not have had or appled for a new loan or refinance on these dates neither.This is damaging my report and dropping my score as well.Also inquiries can not be disputed thru the credit bureaus I have tried, they said I need to contact each company directly about them and that the company needs to send a letter to have them removed from my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute on my XXXX credit report for derogatory remarks that were more than seven years old. XXXX removed two of these derogatory remarks. My XXXX score went from XXXX to XXXX on XXXX. I submitted the same disputes for Experian and XXXX. Both of these disputes took longer than 30 days. Experian and XXXX stated that " resolved, consumer disagrees '' This is of course incorrect as XXXX has correctly removed these remarks from my account. Not only that, my XXXX XXXX XXXX subsequently shot down from I think 696 or 712 down to XXXX. When clicking XXXX  " see what changed '' it stated " no changes were made. '' The only thing that was that there was a new remark on my derogatory accounts from over 7 years ago that the I disagree. It is past statute of limitations and should be deleted.
Product: Credit card or prepaid card

An unauthorized charge for XXXX XXXX XXXX was add to my monthly bill without my knowledge or request.
Product: Credit reporting or other personal consumer reports

Please be advised, the name XXXX XXXX XXXX is now under ownership and jurisdiction of XXXX XXXX  Trust. Impermissible usage and reporting of my private propertys financial and personal information, ( 15 USC 6802 ), will result in charges for abuse, loss, and damages, as well as UCC code violations under a Trust and Common Law. There are accounts thats are closed ( 28 USC 6050 ( P ), 15 USC 1681 ( a2, a3 ) ( Gramm Leach Bliley Act ) and requested removal from my report but still reporting closed and charged off accounts which is violation of rights. 18 USC 43.Experian is abusing the power to report inaccurate information. 15 USC 1692 ( d ) .12 USC Ch 5 ; Reporting late payment is illegal. 15 USC 1666b. And any accounts closed and written off are billing errors 15 USC 1666, or just flat out misinformation which falls under misconduct 15 USC 1640, to which you have a civil duty to rectify. I am under Trust and will sue for violation and deprivation of my rights and all negative information is not removed from and to refrain for fraudulently reporting the copyrighted name XXXX XXXX XXXX, which is under XXXX XXXX Trust ( 42 USC 401, all rights reserved. All evidence of fraud and abuse will result in Arbitration, or Trial with submission of our Private fee schedule for arbitration for each agency, agent, government involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

During the XXXX pandemic I was forced to take XXXX, due to health reasons. Knowing I would not have the funds to make the payment, I tried to be proactive and reached out to Capital One to make arrangements. Capital One refused to make arrangements. In XXXX of XXXX, I informed them that as soon as I received my tax return that I could make a huge payment. This would be in an exchange for them refunding the late fee and not reporting me to the credit bureaus. 

Majority of the card was paid off, as promised, and Capital One removed the late fee. However, the non-payment hit my credit report. I called and spoke with someone at Capital One and was told they would submit something to the credit bureaus. That was never corrected on my credit report. 

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 6 o 2, which states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open-ended consumer credit plan may go late for any purpose.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the accounts are even mine though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX. XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For XXXX XXXX XXXX I have the right to contest any information on my credit report that I believe is inaccurate, per the Fair Credit Reporting Act. The data included in it must be documented and validated before it is shown to anyone else, because if not, then there will just have been one person who wasn't doing their job - which means more mistakes! I challenge the reportability of the allegations within my credit report. They simply are not true! My credit report is riddled with errors. I will not accept or recognize the allegations and claims within the report as true without further evidence, which meets both federal AND state requirements for reporting! Please remedy the situation immediately. Non-compliance with regulations and the law is never acceptable! The government is watching you like a hawk. They want to make sure that all your claims are accurate and reported in the correct format, which meets both METRO 2 standards as well as FCRA requirements! Im requesting evidence to show why my accounts are considered delinquent or derogatory. The data provided is not complete, accurate, or up-to-date, and I demand that it be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE SUBMITTED THE COMPLAINT OF THIS FRADULANENT ACCOUNT REPORTING ON MY CREDIT PROFILE. THE INVESTIGATION TAKEN BY THE OTHER BUREAUS RESULTED IN THE ACCOUNT BEING REMOVED FROM MY REPORT. HOWEVER, EXPERIAN CLAIMS TO HAVE DID AN INVESTIGATION INTO THIS MATTER HOWEVER I'VE YET TO RECEIVE ANY VERIFICATION DOCS OR ANY SUPPORTING DOCUMENTATION TO PROVE THIS CLAIM. IVE YET TO RECIEVE MAIL OR ANY DOCS FROM THE CONSUMER THEY ARE CLAIMING I OWE. THEY ARE CLEARLY OPERATING UNETHICALLY BY STATING THEY ARE INVESTIGATING WITH THE CFPB BUT SENDING ME RESULTS FROM A SO-CALLED INVESTIGATION AS IF THEY'VE DONE THEIR DUE DILLIGENCE TO LOOK INTO THIS CLAIM. I'VE ATTACHED DOCUMENTATION TO PROVED THAT THEY HAVE SENT RESULTS OF AN INVESTIGATION THAT WAS NOT DONE BUT REPORTING TO YOU GUYS AS IF ITS STILL UNDER REVIEW. THIS DISHONESTY AND UNPROFESSIONALISM TO THIS MATTER IS CAUSING A TON OF TURMOIL FOR ME AND MY FAMILY. I WOULD GREATLY APPRECIATE IT IF THIS MATTER IS HANDLED.