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

PERSONAL STATEMENT CFPB 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 NUMBER: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 four business days. 
To following information on my credit report is the result of identity theft and should be blocked : 1- XXXX XXXX XXXX / XXXX 2- 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 CREDIT BUREAU 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, hoping that you make a better decision in my situation, thank you
Product: Credit reporting

I disputed a report to equifax that a major delinquency on a loan with XXXX XXXX XXXX that has been discharged in a chapter XXXX bk was reported on XX/XX/2009 after my XXXX 2009 discharge. They reported first major delinquency on XX/XX/2009 bankruptcy was discharged on XX/XX/2009. My understanding is : " What Can not Be Reported However, if your creditor does not correct the status of your discharged debt, or if the CRA does not maintain an accurate report of your post-bankruptcy credit information, your credit may be unnecessarily damaged. When you discharge a debt in bankruptcy, a creditor can not report that debt as : currently owed or active late or delinquent or outstanding charged off having a balance due, or converted as a new type of debt ( re-aged, or having new account numbers, for example ). Equifax said it was reported correctly. It should NOT be reported at all. I have attached my XXXX 's 2009 statement of the payment being made even though it should not be reported as delinquent after chapter XXXX discharged. I attached the Equifax document of the response.
Product: Credit card

My name is XXXX XXXX I am a authorized user on XXXX XXXX Care Credit account. on XX/XX/2023 I went to get dental work done at XXXX Aesthetics located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the amount charged was XXXX after payment was applied I got temporary veneers put in my mouth I was told that remaining amount to complete XXXX  XXXX  work for the next visit would be {$860.00}. I was scheduled to have work completed XX/XX/2023 however as of XX/XX/2023 I was told that the payment for {$11000.00} was in limbo and it was currently being disputed. XXXX  and the XXXX  card XXXX  both were shocked. I was asked to submit a sign sale slip, and a signed delivery slip along with XXXX XXXX identification. I submitted the things that was I was asked to submit and nothing has happened on Care Credit end and the doctor of practice says I have to pay {$11000.00} cash if I wasn't to get the rest of dental work done. My teeth are incredible sensitive and I have broken XXXX temporary veneers and I live about XXXX  miles from the dental office.
Product: Mortgage

As of XXXX XXXX my payment has not posted on my account.I am with the HAF program Home Owners Assistance Fund thru the Federal Government.

I checked with my local HAF department in the state of Florida and payment sent out XXXX XXXXI would like for them to find my payment amount and post this before the end of XXXXXXXX XXXX..If not posted by then I am subject to a 30 day late notice on my credit report. This is a federal government program so a 30 day late report to the credit reports should not take place.It seems every month I have to send a report so they can track this payment and get it posted on time.I value my credit report and if they can just be more proactive and get this payment that they know comes every month and get it posted on time by the end of the month.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A.States I Have The Right to privacy.

15 U.S.C 1681 section 602 A section 2 states a consumer reporting agency Can not furnish a account without my written instruction
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I contacted XXXX, who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.
Product: Debt collection

I have disputed this Debt XXXX times already. I have contacted the company. This collection agency has NEVER contacted me about this debt, they just slapped it on my credit report. The XXXX times I called them I was told they could not give me any information on this debt, had no bill and could not show me what they claim I owe this debt for. They could not provide me with that. This is a cell phone bill. It was with a different collection agency before and I went through this same thing with them. I have not had XXXX XXXX ( original debtor ) since 2009. I canceled the month-to-month service I had with them. ( I was no longer under contract, it had expired already ). My monthly bill was {$150.00} for cellular service and wireless internet, together. I canceled this XX/XX/2009. I was told when I canceled they would pro-rate that bill. I did not hear from XXXX or receive a final bill from them. Then here it is 8 years later and I am now having to dispute this because XXXX is stating I owe {$700.00}? for what? They canceled my service when I asked them to so its not for service. My phone was already paid for, I bought it outright before going to XXXX. So why cant they tell me what this bill is for? I did speak to a previous collection agency several years ago and I told them this very thing I am telling you and that I owed for the pro-rated XX/XX/XXXX but nothing more. I even offered to pay for the full month at {$150.00} and they refused to accept the payment. I know what I owed and I was willing to pay for the entire month but since they refused the money, I do not owe this debt. Please remove this from my credit report. You have never tried to contact me about this, have never been able to provide any proof ( or an actual bill ), you then refused a payment and those things alone tells me you do n't really want to collect on this, just want to keep me angry by keeping it on my credit report. I want this off my credit reports with XXXX, XXXX, and XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/2024, I made the following Experian request via the CFPB portal : Case Number : XXXX " Since you wont provide the names of the XXXX XXXX employees that submitted the fake account application on XXXX please forward a copy of my Experian Collections file from each of your three FCRA compliant platforms. This will include the database where your provide cash/account balances. '' I have not yet had a response. 

After submitting this complaint I received through USPS a postcard indicating Experian was contacting XXXX XXXX to " disclose all relevant information regarding your dispute. '' I have not received anything but wanted to provide a letter for your review from XXXX XXXX. This is attached and will provide irrefutable evidence that XXXX XXXX employees accessed my XXXX on the false pretense that I submitted an account application and will not disclose their identity. 

If Experian would like a copy of the information used in the fake account application you are welcome to contact me. Their employees used a XXXX and a XXXX area code phone number to authenticate my identity. Maybe these have been used to authenticate identity for others within Experian. 

I look forward to your response and that of XXXX XXXX.
Product: Credit card or prepaid card

On XX/XX/XXXX I paid my Citi card off in full {$1300.00} dollars I used citi app. The payment didn't go through, so I did it again this time it took.When I checked my XXXX  checking account City withdraw {$1300.00} twice.i called city and they would fix the problem in 2 days, today is XX/XX/XXXX and I still haven't received the money into my checking account.I spoke to representative XXXX XXXX and he said it's going to take 2 more days to send the money back to XXXX Bank.I had 1 overdraft which Citi refunded me and now I have a second one because I thought the problem would be solved by now.Not only has it been a big inconvenience but it may hurt my credit score.
Product: Credit reporting or other personal consumer reports

Calls and rext about relief from XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Which was not report by the courts. As told on phone we don't supply info to credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a fraudulent dispute with these companies on XX/XX/2022 including my dispute letter FTC report and proof of identity. XXXX and XXXX received my request on XX/XX/XXXX I have tracking to prove it but they have not sent me any correspondence regarding my request to suppress this fraudulent information. XXXX said they did not received my request when I called them. Equifax received my letters on XX/XX/XXXX via Fax and I can not access my online account to check for updates on these disputes and they have not responded to me. Neither one of these companies has responded in the allowed amount of time according to FCRA which is 4 business days of receiving fraudulent disputes.
Product: Credit card

We found your SSN on a XXXX XXXX site View Details XXXX, this occurred during our scan of thousands of XXXX XXXX sites where stolen data may be exchanged. And while it doesn't necessarily mean you're a victim of identity theft, it does mean your Social Security number may be vulnerable.

If you think your SSN has been compromised, here are some steps you can take : Place a fraud alert on your credit file at XXXX. 
Review your recent credit report. Get a free copy at XXXX. 
Review resources available at the Social Security Administration online at SSA.Gov/Fraud.

If you need additional assistance, you can also contact one of our U.S.-based service agents. 

I received the above email from Discover. Are they allowed to scare people in order to get you to purchasse their protection for {$15.00} a month
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate reporting of certain account on my credit report. This account was placed in a hardship forbearance agreement with the company below, and it was explicitly stated by the institution that no negative information would be reported during the agreed period due to my financial hardship. However, my recent credit report reflects negative remarks associated with this account, which is both inaccurate and unjust. 

The Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to ensure that all information reported is accurate and verifiable. I am providing you this notice to review and investigate this account, as it is being reported contrary to the terms agreed upon with the creditor. Specifically, they assured me in writing that during the forbearance period, no delinquent payments, late remarks, or derogatory statuses would be reported. 

It is crucial to note that continued inaccurate reporting constitutes a violation of the FCRA, and failure to address this issue will leave me no choice but to seek all legal remedies available under Sections 616 and 617 of the Act. Additionally, as required by Section 611 ( a ) ( 5 ) ( A ), all unverifiable or inaccurate information must be promptly corrected or removed from my credit report. 

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

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 under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

The Credit bureaus stated Account Name & Account, XXXX XXXX XXXX # XXXX, Account, XXXX XXXXXXXX # XXXX, Account, XXXX XXXXXXXX # XXXX, Account, XXXX # XXXX XXXX Account, DP OF EDUC # XXXX, This is Identity theft because I didnt gave nobody written consent I didnt sign no paperwork. they violated my rights I wan na sue for every violation They said account not paid in full how so I use a XXXX charge. Account, XXXX XXXX XXXX # XXXX 15 U.S. Code 1605 - Determination of finance charge Who give you the right to trying to control my credit yall just like any other business youre not government. Im not asking u Im telling u to delete them accounts 15 U.S. Code 1681b - Permissible purposes of consumer reports
Product: Mortgage

In XXXX when my husband and I at the time were still married, we refinanced our mortgage with XXXX Mortgage. We also had a home equity line with " then '' Wachovia '' who is now known as Wells Fargo. During that refinancing process, Wells agreed to remain in the second lein position on the subordination agreement. Now, in XXXX, when we are divorced and trying to sell our home in a short sale, our sale was denied by both banks because Wells Fargo NEVER recorded the subordination agreement to have our title correctly reflect the lein positions. Both XXXX and Wells are refusing to budge and are fighting over first lein position, even though I have a copy of the actual agreement where Wells agreed to remain in the second lein position! I have been communicating with real estate attorneys, short sale attorneys, XXXX, Wells Fargo, and ALL of my resources continue to point me towards Wells Fargo who made this egregious error. Because they neglected to record the new lein position to the title, I am now in jeopardy of going into foreclosure status on my home ( I assumed all mortgage payments myself as of XXXX of XXXX and my ex completed a quit claim deed ). Additionally, and going all of the way back to XXXX of XXXX, I began attempting to remove my ex-husbands name from the Wells account as well, and they denied my application to refi and remove him from the loan. Since the inceptioon of my communciation with Wells, I have gotten nothing but inaccurate information, been pointed in the wrong direction, did not receive calls back and NOW because of their error back in XXXX I may be at risk of foreclosure. My ex and I did nothing wrong. WELLS neglected to record their lein position on the title, and now are credit histories are at risk of complete abomination! This is unacceptable! I opened a case with Wells on XXXX XXXX, XXXX and they are still trying to locate the subordination agreement which I faxed to them to be able to help me and clear this up. This is a complete disaster based on THEIR negligence, and I should not be left with a home in foreclosure and a destroyed credit rating because of the incompetence of Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The TransUnion, XXXX, and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$9000.00} XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX Balance Owed : {$6200.00} XXXX CARD XXXX Balance Owed : {$5600.00} XXXX XXXX XXXX XXXX Balance Owed : {$14000.00} XXXX XXXX XXXX  XXXX Balance Owed : {$15000.00} XXXX : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$15000.00} TRANSUNION : XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX AV XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX Balance Owed : {$9000.00} XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX Balance Owed : {$6200.00} XXXXXXXX XXXX  XXXX Balance Owed : {$5600.00} XXXX XXXX XXXX XXXX Balance Owed : {$14000.00} XXXX XXXX XXXX XXXX Balance Owed : {$15000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my THIRD WRITTEN REQUEST and 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 two previous written requests, the unverified item 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 consumer 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 Date Opened : XX/XX/2019 Balance : {$8.00}
Product: Checking or savings account

My account was infiltrated from somebody in Maryland. They added {$900.00} to my account tried to withdraw the money out a little bit at a time. I called and the fraud csr said they were cut off and whatever remaining funds in your account is currently your property. Maybe a week later, my account is hit return fee and multiple other fees. So I called back and a different fraud csr said it was a bad check that was written and do n't touch any of the money. I had already withdrew my funds from my account to pay my bills before I was informed this was a bad check transaction. As this result, my XXXX payroll checks went through and the bank kept the money and have been blowing me off since. I went to a branch twice and was told to call fraud department. I I have attempted a couple of times since then and have lost confidence in receiving the money I worked. Can you help me please?
Product: Debt collection

Bank of America representative XXXX XXXX of XXXX XXXX XXXX department. Started I owed a wrong amount since XXXX of XXXX when the account was closed but still incurred illegal late fees. Secondly the representative stated that they will continue to report the charge off indefinitely eventhough the federal statute prohibits 5 years to 7 years in the state of New York. The {$260.00} I do not owe and its been illegally reporting on my credit for 7 years. SECTION 380-J Prohibited information General Business ( GBS ) CHAPTER 20, ARTICLE 25 380-j. iv ) accounts placed for collection or charged to profit and loss which antedate the report by more than seven years ; or accounts placed for collection or charged to profit and loss, which have been paid and which antedate the report by more than five years ;