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

in accordance with 15US. CODE 16821C-2, I wish to request deletion of wrong addresses on my credit report. 

XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX And XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX And under 15US. CODE 16821b, the address should be deleted immediately, this address is an act of identity theft, it should be deleted immediately.
Product: Credit card or prepaid card

My name is  XXXX   XXXX  and there are a total o f three credit ca rds in which I did not apply for and showing up on my report and at my home mailing address. Thos e three are ch ase bank,   XXXX   XXXX   XXXX   and   XXXX   XXXX   XXXX  . Can u please look into this and please take them off my report it 's been a fraud on my behalf.   Call me  XXXX  Thanks,  XXXX   XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to finishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes.These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I created an account with TransUnion on Saturday, since my information was released on the dark web along with many others. 

I entered information to freeze my credit. The other XXXX credit agencies put a credit freeze on my account and provided me confirmation. TransUnion, has not. I have looked online and talked to them, but no one has been providing information. This is the message I got. 

Sorry, we're having trouble showing the status of your credit freeze right now You can contact us during support hours via the live chat icon at the bottom of the screen, or by giving us a call at XXXX. Our support hours are Monday - Friday XXXX XXXX - XXXXXXXX XXXX and Saturday - Sunday XXXX XXXX XXXX XXXX XXXX Eastern Time. 

This has been the same message as Saturday. XX/XX/year>. 

I talked with their agent. They asked me to fill out a form, same form I did on Saturday, resubmitted since I was on line live with them. Then they went silent not confirming anything. 

Their chat feature keeps saying sorry they are talking long, they will be with me shortly, etc. After I filled out their form, while I was talking to them their response was " Thank you for your patience. Due to higher than normal call volume, please be advised our wait times are longer than usual. For faster service, please explore our many self-service options online. 

To place a fraud alert : https : //www.transunion.com/fraud-alerts To place a security freeze : https : //www.transunion.com/credit-freeze To open a dispute : https : //www.transunion.com/credit-disputes/dispute-your-credit '' Seems like TransUnion should provide quick response to my request, or if they aren't active, the government should eliminate them. The other XXXX credit bureaus were responsible, but this company is not and risks creating fraud worse. 

What do I do, how do you get this company to fix their issues and provide confirmation. Are they responsible now if someone tries to apply for credit?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a regular complaint, as Ive now filled a complaint with the federal trade commission and the XXXX XXXX XXXX. This is becoming extremely unacceptable and I demand these accounts be deleted immediately. Ive sent in multiple letters and even have tried calling an enormous amount of times into the three reporting agencies. TransUnion refuse to abide by the law and Im demanding something be done about this. It has been a very stressful process, their infringing on my right to privacy and has now cost me thousands of dollars. Ive never given any consumer reporting agency the right or ability to furnish ANY information of mine. Please have them delete these accounts as I will be forced to file for litigation due to the damages and stress caused.
Product: Credit card or prepaid card

Put a account on my report that I didn't apply for
Product: Credit reporting

XXXX mortgage company has reported that the mortgage on our home is " due '' and delinquent for {$990000.00} -- - which is the mortgage on our home. We have a 15 year mortgage with this loan. We have been in dispute with the mortgage company for over a year now because the mortgage company has " misapplied '' funds that we paid into the mortgage and first placed them in " unapplied funds '' and then placed them in principle when they should have been placed in " escrow '' to pay the taxes. It has all been documented and shows how we have paid our mortgage " on time '' every month but when the money was received, it was applied to the wrong area. In the meanwhile, the escrow account was deficient by the same or similar amount as the " unapplied funds '' had overage. The credit report should have looked at the account before reporting that such a large debt was due. My personal credit AND my business credit is so low that I was not even able to apply for a business car loan. My past credit scores have always been in the XXXX 's and XXXX 's. This is not " usual '' of my character to have a " ding '' on my credit like this. Since the credit scores went so low, my business is unable to be approved by XXXX separate government contracts. Thus, I have been personally and financially harmed from the credit bureau 's lack of adequate review into my credit history.
Product: Money transfer, virtual currency, or money service

XXXX XXXX I made a purchase at XXXX XXXX XXXX  for XXXX. It shows the transaction went through successfully on Cashapps end. I was charged XXXX by XXXX XXXX. 

On XX/XX/XXXX XXXX XXXX issued me a refund for XXXX back to my Cash card. 
I also have a transaction number receipt from XXXX XXXX showing that they processed a refund on their end back to my Cashapp account. 

I also made a successful purchase for XXXX to XXXX XXXX the same day ( XX/XX/XXXX ). Since the cruise was cancelled, XXXX refunded me for that cruise and I received the refund with no issues. The refund shows XXXX in black bolded letters showing that the refund amount successfully deposited to my account. 

For the XXXX refund On Cashapps end the refund is showing the refund amount but it is greyed out and has a strikethrough line through the amount. Normally when Cashapp issues refunds the refund amount shows a plus ( + ) sign in bold font plus the dollar amount. So this is off that there is a gray strikethrough & nothing has deposited to my account. Where is the money and why has that one not refunded!?! 

Nothing ( the XXXX ) has deposited to my account. No one has been able to assist me with receiving the refund to my account. This has happened to me in the past where Cashapp illegally kept a XXXX $ dollar refund from me and I basically lost money on my end because they refused to assist me in anyway.
Product: Student loan

Called Sallie Mae on XX/XX/XXXX to inform them they did the 1098-E incorrectly. They submitted it with XXXX XXXX 's information who is the co-signer and who is also deceased. However, she paid {$0.00} during the entire life of the four loans. I paid every cent in XXXX and the 1098-E needs to be redone with my information. The customer service rep told me that was impossible and was super rude and would not let me even talk cause I was not allowed to access my account. Also, I can not access my account online either.
Product: Debt collection

I paid this debt off in full 2 months ago through XXXX XXXX, the third party collection agency that City National Bank used to collect this debt. However, they have not reported the debt as Paid In Full and it has been reporting negatively on my credit report. I would like this to be removed as well as any late payments that are attached to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already provided the required documentation to report that my Identity was compromised by Equifax XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT ATTYGENERL Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current there is some inaccurate information reporting. 
XXXX Account Number : XXXX please update all payment, all payment was made on time 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX Account Number XXXX XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXXXXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current there is some inaccurate information reporting. 
DPT TREASURY Account XXXX : XXXX Delete this account. 

15. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXXXXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX
Product: Mortgage

After my bankruptcy was discharged in XX/XX/XXXX Ocwen Loan Servicing, LLC.sent me a document dated XX/XX/XXXX that stated as your obligation under the terms of the Note was discharged through bankruptcy you are under no obligation to Ocwen to make any further loan payments.Ocwen still posseses a lien against the property in the amount of the discharged debt under the terms of the Security Instrument ( mortgage or Deed of Trust ) you do have the option of making voluntary payments. I could not make any voluntary payments as I had just lost my job of 27 years with XXXX XXXX due to a XXXX XXXX operation Over the last 4 years Ocwen has threatened to foreclose which brings me to the filing of this complaint that is clearly a case of Deceptive Practice. 
I am now receiving disability benefits which will enable to pay my monthly payment of {$1100.00}
Product: Debt collection

Dear Peter Roberts & Associates ; Cfpb ; XXXX XXXX XXXX ATTACHMENTSXXXXNot only this is fraudulent reporting on my credit report from Peter Roberts and Associates , but I was under understanding from reading some articles here on cfpb and FTC that there was a new law that was passed by the government that effective XX/XX/2022 any XXXX XXXX under {$500.00} shouldn't be reported on consumer 's credit report. However, upon reviewing my credit in the last few months, i noticed 3 separate entries of XXXX XXXX reporting violations of this law. For example, there are 3 separate accounts : XXXX balance of {$200.00} plus account XXXX for a balance of {$290.00}, and account XXXX for a balance of {$370.00}. read this ( https : //www.consumerfinance.gov/data-research/research-reports/paid-and-low-balance-medical-collections-on-consumer-credit-reports/ # : ~ : text=Specifically % 2C % 20the % 20companies % 20announced % 20that, on % 20consumer % 20reports % 20at % 20all. ). 

Plus this is a violation of HIPPA violation of reporting. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. And I honestly do not believe to ever had any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upset these companies are allowed to report fraudulent items on my report without my consent.. Its been months and months of me trying to get these items off with no success..Only 2 address should be on my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX or XXXX XXXX XXXX XXXX XXXX florida XXXX everything else is FRAUDULENT!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$650.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

My direct deposit wasn't applied to my account despite it being sent sucessfully by my employer. I have been on the phone at least 5 times per day, since yesterday. They have failed to provide me an explanation of the issue, I asked about news reports about a third party vendor and they refused to say who that was. One person told me we'd have our money by the XXXX but more people told me they weren't sure. Now I'm hearing it's some sort of malware and we might not get our money. I have no idea because the company refuses to talk to us with honesty or give us a solution. In the meantime, my bills on auto-pay are being returned to the vendor who is, in turn assessing me a fee! While Capital 1 has told me I can submit a claim for those, I just tried to and found roadblocks everywhere ( the CS agent actually said " well we can't see where you've paid that '' ... no bc my ACCOUNT IS FROZEN ). This doesn't even begin to describe what it will do to my credit score. HOW is Captial 1 going to make me whole? My car insurance will be cancelled and I have no idea when the funds will be in so I can. I work from home and ..same thing with internet ... and NOTHING from Cap 1 . They won't even honor our auto-pay bills or just let us overdraft our accounts. I can't even access mine and I can't get help from them to regain online access. this is horrible and costing we consumers SO MUCH MONEY. Who is going to help us hold them accountable? I'm literally going to lose my home and I can't get any help, answers, or resolution from Capital 1.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX CARD Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  CARD Account Number : XXXX XXXX CARD Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CAPITAL ONE BANK USA Payment Info Status Charge-off Status date XX/XX/XXXX Past due amount {$6700.00} Late payments : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Contact : XXXX XX/XX/XXXXXXXX XXXX XXXX, VA XXXX. 

Send the documentation : FTC Identity Theft Report, Claim to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, trade to solve the problem but they do not want to help me and solve it. I have never lived in the United States, I moved just a year ago and discovered that I had identity theft, I have American citizenship as a result of having an American father. 
I want to solve these problems that are ugly since I moved to this country to finish studying and learn the language well. 

They are giving me many problems and they do not want to solve the legal documentation that I have given them, there is an abuse on the part of Capital One and the Debt Collectors.
Product: Credit reporting, credit repair services, or other personal consumer reports

Because of the corona going on through out the country, I lost my job and do not know when I will be going back to work yet. I called the company Acima Credit and explain to them that until I was able to return to work I would not be able to keep up the payments on the 2 lease accounts I have with them. They did not want to listen to what I was saying, just kept telling me to pay or the would come get their property. I offered to pay them alittle instead of the full payment, They refused. Told me they want full payments and the system they have will not take allow partial payments. I call them again today XX/XX/2020 because they filed late payments on my credit report. I fell as if I did all I could to work with this company. They did not want to help at all wanted full payment or nothing. I offered many times to make smaller payments until this covid issue was over. They refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$560.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00XXXX XXXX XXXX Balance : {$560.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am reporting ongoing issues with fraudulent and inaccurate information on my credit report. Items are being reinserted without proper notification, violating FCRA 611 ( a ) ( 5 ) ( B ), which requires notification within a specific timeframe.

These inaccuracies are adversely affecting my ability to secure a mortgage for my family. I request immediate assistance in correcting these errors and ensuring compliance with FCRA regulations. 

Thank you for your attention.
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. Account # XXXX Account name : XXXX Account # : XXXX Account name : XXXX  XXXX Account # XXXX Account name : XXXX  XXXX Account # XXXX Account name : XXXX Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX  Account # XXXX Account name : XXXX XXXX  Account # XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX Account XXXX XXXX Account name : XXXX Account # XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXX XXXX  Account # XXXX Account name : XXXX XXXX  XXXX Account # XXXX Account name XXXX XXXX Account XXXX XXXX Account name : XXXX  Account # XXXX Account XXXX : XXXX Account # XXXX Account name : XXXX XXXX  Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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.