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

Please delete these fraudulent accounts from my credit report. These have already been deleted by the other reporting agencies and need to be deleted by you also under the law. I have included the identity theft report, and updated bill, and my ID and passport. 

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 XXXXXXXX XXXX XXXX XXXX Please delete these fraudulent inquiries . 

XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX
Product: Credit card

I would like for the parties involved to do what is fair and equitable to me as a consumer and deleting the items I identified as identity theft on my consumer reports. 


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: Mortgage

It all started I XXXX called the bank because we where having difficulties coming up with the mortgage payment due to an accident my wife had XXXX couldnt return to work.. ; so we wanted to see what we could do to lower the mortgage payment ; after speaking to Wells Fargo We started sending all the documents needed for a modification. It was a lill confusing to us and we wanted to get a good aoutcome so we decided to get a lawyer to represent us ( XXXX ) XXXX XXXX XXXX XXXX the bank XXXX Wells Fargo XXXX XXXX denying us ; the layer kept saying to us all the time We spoke to him that We were elegible and that it was the bank giving us the run arround ; last letter We received facing foreclouse so we contact the lawyer XXXX he told us that he needed {$3500.00} to submit some document to stop foreclousere.. we couldnt afforded it. So we started calling d bank.. XXXX they ask us to submitt all the documents again nothing was moving so We called XXXX of XXXX XXXX XXXX They have been working with us to stop the foreclosure and get a modification going.. finally We just got an approval but with a first trial period mortgage payment of XXXX. After trying 2 years non stop to get a modification this is what we get.. We dont have that kind of money and its not fair to us.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per XXXX XXXX and experian XXXX XXXX are reporting at least 3 bankruptcy # XXXX # XXXX # XXXX in which they all state that this has been filed jointly with someone else which this two is inaccurate information per usc 1681 b permissible purposes which means I have a right to be notified when these credit reporting agency are putting information on your credit report all four of these credit reporting agencies have never called or sent anything in writing per usc 1682a that I as the consumer have a right to fair and accurate credit reporting when I filed a dispute with experian they re verified information that the reported I am Also a victim from the data breachs in which XXXX and XXXX and experian had which cause my soical to be leaked on the dark web.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am experiencing problems with lender XXXX XXXX # XXXX. This company has been reporting information on my consumers report that is in violation of my rights and has caused an substantial amount of damages to me and my business. I have contacted this company via telephone and mail concerning this matter, still no response. 15 U.S Code 6802 states ; a financial institution may not disclose nonpublic personal information to nonaffiliated third party companies. Also, 15 U.S Code 1681 states ; there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumer 's right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was applying for my first mortgage and when my credit report was pulled it was brought to my attention that inquiries was still on my credit report. from all sorts of auto companies pulling my credit, and I do n't even have a drivers licenses only a state I.D and this is really stopping me from purchasing my first home. The inquiries are as followed. XXXX-X/XX/2016 XXXX XX/XX/2016 XXXX XXXX- XX/XX/2016 XXXX XXXX-XX/XX/2016 XXXX XXXX-XX/XX/2016 XXXX XXXX-XX/XX/2016 XXXX XXXX-XX/XX/2016, XX/XX/2016 XXXX-XX/XX/2016 XXXX XXXX-XX/XX/2016 XXXX XXXX-XX/XX/2016 XXXX XXXX-XX/XX/2016 XXXX XXXX-XX/XX/2016 XXXXXXXX XXXX XXXX XXXX XXXX-XX/XX/2016 XXXX XXXX XXXX-XX/XX/2016 XXXX XXXX XXXX-XX/XX/2016 XXXX XXXX XXXX-XX/XX/2016
Product: Debt collection

XX/XX/XXXX sent mail to them and they signed on XX/XX/XXXX and heard nothing back from them. I mailed them again on XX/XX/XXXX and still I heard nothing back from them they also did not update the remarks on my credit report stating my dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt was disputed and removed due to not being the person on this account. It has shown back on my credit in error. The information is inaccurate and has been disputed and removed before. This account does not belong to me, and I did not give this company any right to collect a debt from me. This needs to be removed from my account immediately and is in violation of section XXXX of the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXXXXXX XXXX, posted a debt of {$17000.00} on my XXXX credit report on behalf of their client Military Credit Services based on a civil judgment dated XX/XX/XXXX from the XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. Case number XXXX. 

I informed XXXXXXXX XXXX XXXXXXXX that there was a class action lawsuit against Military Credit Services and my case was part of the suit. The case is no longer listed in the court system because it was removed after I disputed it. 

XXXXXXXX XXXX XXXXXXXX is continuing to report false information and their XXXX rep hung up on me when presented with the information. 

The case no longer exists and Military Credit Services responded to my previous complaint acknowledging that my case was part of the suit. 

I have requested they remove the information from my report and they refused and told me they wholeheartedly believed I was mistaken and they bet I never even received a notice from the Class action Suit. 

I am a XXXX XXXX  trying to qualify for a VA XXXX loan. 

The account was removed from report in XXXX and they reopened it based on a dismissed lawsuit. They need to be fined, and the false information needs to be immediately removed. They are knowingly refusing to correct the information.
Product: Checking or savings account

I reported my card as lost or stollen, bank closed my card and issued me another one, but debited all disputed transactions back.
Product: Debt collection

On I discovered ( ONE ADVANTAGE LLC ) had been re-inserted into all my three-credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification, without my knowledge of this account. I've proof of account was deleted and reappearing. Please delete this item immediately.
Product: Credit card or prepaid card

I made a complaint to my credit card company back in XXXX of XXXX for the amount of {$2900.00} from a company called ( XXXX XXXX ) which I do not recognize or authorized. My credit card company ( Discover Card ) put the credit back on my account till they investigate the problem. They sent me a letter stating that based on the information they received from the merchant that I was held responsible for the charge. I reopened the case again to reinvestigate this matter, and for the merchant to give them physical evidence that shows it was me who charged this transaction ; such a drivers license or social security card or something that belongs to me to show it was me. They said the only thing the merchant was able to submit to my credit card company was signatures which made my credit card charge me for a transaction I never new or authorized. They said for them to reopen this case would be to file a police report which I will do.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

XX/XX/2018 : I deposited {$25.00} into my prepaid American Express card at XXXX. 
Later that evening I tried to use the card to purchase a gift for my son but the card was denied. 
I called the number on the back of my card and when I was finally able to speak to someone I was told that they put a hold on my card because they needed to make sure their was no fraudulent activity. 
This is not a new card. I have had this card for about 3 years. 
XX/XX/2018 : I called the card again and was placed on hold for about an hour and a half and when I spoke to the representative they told me that I could go ahead and use the card. 
I tried to make a purchase and it was denied. 
I called the card company again and was placed on hold for about an hour and when they came on the line they immediately hung up on me.
Product: Credit reporting or other personal consumer reports

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE XXXX XXXX STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX U.S.C XXXX SECTION XXXX A. STATES I HAVE THE RIGHT TO PRIVACY. XXXX XXXX XXXX SECTION XXXX SECTION XXXX. IT ALSO STATES A XXXX XXXX XXXX CAN NOT FURNISH AN ACCOUNT WITHOUT MY XXXX XXXX. PLEASE SEE ATTACHED LETTERS.
Product: Mortgage

In short the loan was taken out in XX/XX/XXXX with Washington Mutal and they were closed in XX/XX/XXXX. In XX/XX/XXXX, we received a complaint for foreclosure from JP Morgan Chase. This loan has been fought over for the past 8 years and have recently received a review report from the federal task force for mortgage fraud that our payments to these banks have never been applied to our loan. In XX/XX/XXXX,  we were served a summary judgement due to missed payments the bank states that are unaccounted for. We have recently requested a new hearing on this matter in our county and have been denied the opportunity to have this overturned. So at this point, we are a little unsure as to how to move forward. The report shows embezzled amount of over XXXX unaccounted for. We have determined that we will file a civil suit in this matter but could use some assistance and understand that you may be able to help us.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act these accounts have violated my rights : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX 15 U.S.C 1681 Section 1681 Section 602A States I have the right to privacy 15 U.S.C 1681 Section 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666B. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX, XX/XX/year>, 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 XXXX 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 - XXXX XXXX XXXX TXXXX XXXX XXXX XXXX XXXX - XXXX Bankruptcy XXXX  XXXX - XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 XXXX as proof from the XXXX Federal Trade Commission that all 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

I received a {$19.00} charge from TU*TransUnion on my XXXX   XXXX account on XX/XX/2019. I haven't signed up for anything from TransUnion. The only thing I've done recently related to credit was when XXXX XXXX  ( which my XXXX  XXXX creditcard is through ) offered to check my credit score on XX/XX/2019. It did not tell me anything about charging my account and it only took a few clicks to receive this credit score. I'm not 100 % sure where this charge is from nor why this charge exists. I'm not sure where to go to dispute this charge, or whether or not my credit or bank information has been compromised.
Product: Mortgage

I am extremely exhausted and frustrated. In XXXX I truly fell on hard times and reached out to Ditech for a loan modification, I was told it couldnt be done because I didnt have enough equity in my home. I called XXXX and was relaying my problem to one of their associate when Ditech Called me back to say theyll do the modification because there was equity in my home.They offered to modify my loan and gave me a trial payment for three ( 3 ) months.In XXXX Ditech sent me the modification papers to be notarized which I did and return to them.Suzette out of Florida was the person communicating with.She informed me that the papers were received and the system was being updated and after such my statements would no longer show the arrears. 
The monthly statement were still showing the arrears and the amounts were different.When I received the tax paper for XXXX it showed that I only pay $ XXXX.as interest for the XXXX. 
In XXXX of XXXX I received a call from XXXX stating that he will be sending me modification papers to be notarized he gave me no explanation, however I had the papers notarized and returned to the address in XXXX called me on a Monday while I was at my doctors office to inform me that the notary didnt write the State on the papers so Ill have to do it again .I did 3 sets of modification papers to be told on XX/XX/XXXX That the dates have passed Ditech will not do the modification because it will increase my payments. 
PLEASE HELP I AM TRULY AFRAID
Product: Debt collection

XXXX XXXX XXXX ( account # XXXX ) claims I owe them {$160.00} and XXXX XXXX XXXX either sold the debt or contracted with Diversified Consultants XXXX XXXX XXXX, XXXX, FL XXXX to collect such amount. I believe I paid XXXX XXXX XXXX in full and I know I returned all their equipment. Therefore, on XX/XX/XXXX 2017, I disputed and requested a verification of debt via certified mail. Never received such verification or why do they believe I owe them any money. However, Diversified Consultants keeps on listing this collection action in my credit reports. I have copies of my letter, certified mail, and proof of delivery.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX  XXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX XXXX XXXX
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 # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX  # XXXX, XXXX XXXX XXXXXXXX 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 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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 the 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 reseller. 


Account Name : XXXXXXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports