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

I been writing about this inquiry to be removed nownits wxpired and it's still there it's past the two year mark
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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account XXXX : XXXX  Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or list of inquiries 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

There is a XXXXXXXX XXXX  account on my report that I have XXXX knowledge of. 
I tried to reach out multiple times. 
Sent in the correct documents and its still on my report. It must be removed.
Product: Credit reporting or other personal consumer reports

I disputed inaccurate information on my credit reports with XXXX, Equifax, and XXXX by sending dispute letters with supporting documentation on [ XXXX XXXX2024 ]. Despite their legal obligation to investigate and correct errors, the disputed items remain unchanged, and no proper resolution has been provided. These credit bureaus are currently being sued for similar violations, including failing to investigate and correct inaccurate information, which further supports my complaint.
Product: Credit reporting

I have asked experian to fix these hard inquiries but they refuse. The company of XXXX XXXX sent them a letter and I have sent them a copy of the letter stating that this was an error and should only be once and not three times that they ran my credit.
Product: Credit card or prepaid card

My credit report shows a lot of accounts that were opened as a result of someone applying under my name and credit information. I called XXXX several times to report this crime but they have not closed this fraudulent account. In addition, I have provided them with a police report, yet they continue to still leave this account open, enhancing new opportunities for more fraud.
Product: Credit reporting or other personal consumer reports

3rd Request To Whom it May Concern : I am writing to let you know about an identity theft case that affected my credit report. Upon reviewing my credit report, I discovered fraudulent information that does not belong to me. This identity theft has caused significant harm to my financial credibility and has put me in a difficult situation. According to the Fair Credit Reporting Act ( FCRA ), I would like to ask you to block the fraudulent information from my credit report. Section 605B of the FCRA states that credit bureaus are required to block the reporting of fraudulent information resulting from identity theft upon receiving a proper request from the victim. I am also attaching a copy of the Identity Theft Report filed with the Federal Trade Commission as supporting documentation. Please investigate this matter promptly and block the fraudulent information from my credit report to prevent further damage to my credit history. Please provide me with a written confirmation once this has been completed. Thank you for your attention to this matter. I appreciate your quick help in resolving this issue. Please do not hesitate to contact me if you need any more information. Please update my addresses and delete from my credit profile.Sincerely, XXXX Also, you are in violation of laws : 15 US Code 1666 ( b ) ; 15 US code 1637 ( a ) ; 15 US Code 1681 ( c ) 2 ; 15 US Code 1681 ( s ) 2. Please delete/block the accounts attached to my FTC report ASAP.

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

I recently received a copy of my credit report where I disputed a collection account with XXXX XXXX XXXX/ XXXX XXXX the credit bureau stated they had verified the information as accurate however I received a copy of the itemized billing and signed contract today and their are several i issues which require the item to be removed from my credit file 1. The name of the collection company on credit file is XXXX XXXX XXXX however the name on the letter of validation has XXXX XXXX XXXX 2. I also received the same paperwork from another collection company name of XXXX XXXX 3. One set of paperwork have the name and signature for service as XXXX XXXX the other has the name as XXXX XXXX but signature page as XXXX XXXX it is clear this paperwork has been tampered with and or altered 4. Why is two different companies attempting to collect on the same bill it clearly the same account number on all paperwork 5. The signature page doesnt give the collection company any rights to contact or collect from me I do not have a signed contract with them 6.since the original hospital contract states Arbritraction Mediation and Arbiter Mediator ... ..They are in breech of the contract by assigning it to a collection company 6. Also the billing information provided is in violation of the HIPPA policy as the lab work testing and information should remain private
Product: Debt collection

A student from my school offered me a job in which I would have to withdraw money from my debit card weekly, little did I know this was a scam the whole time. This student and his associates transferred money to my debit card, and forced me to withdraw all the funds. At the moment only {$2900.00} was cleared and they made me withdraw it by force. Once I did they took the complete {$2900.00} leaving me with nothing. They wanted me to withdraw {$7000.00} but I declined and reported Identity Theft. After the whole investigation, the bank says I owe {$3100.00}, but I was scamed and robbed for this money, it is unfair that I must pay this back. The bank teller should have never gave out the money there, but the money was cleared so I dont understand why I must owe this
Product: Money transfer, virtual currency, or money service

In XXXX i noticed money missing from my account and i notified Cash app immediately. There were numerous random amounts. They investigated and originally declined the payments and sent them back to my bank account which is closed due to same problem. Cash app informed me the payments they will refund are for XXXX on XX/XX/200 on XX/XX/XXXX, and XXXX on XX/XX/XXXX. All with notes stating " to XXXX at XXXX '' after informing cash app they're are stil XXXX other cash payments by different users that have still not been put into the dispute, they have disregarded my requests. After 3 weeks i was able to speak to a call rep which informed me the XXXX refunds will infact credit to my cash app account since my bank rejected the refund as it is closed. Again I have been going back and forth with cash app explaining this. Now today I am told by cash app rep that my bank declined it. Which in fact they did not. I confirmed with my bank that these XXXX transactions were paid to cash app in XXXX. No refunds have even been rejected as cash app originally stated the refunds were sent and were not. Somehow now they put in their computer it was bank who declined it orginally which it wasnt. I asked for documentation showing this. As i provided them with documentation these amounts were paid and unauthorized by me through my account For over 30 days i get no response in regards to all payments made to this person 's that all have notes of " jXXXX XXXX XXXX ''. They have failed to include all these transactions in my dispute. And now failed to refund stating it was bank error. Bank confirmed payment but cash app states otherwise. Documentation included. I am refused to speak to disputes or to a supervisor and have been hung up on 3 times.
Product: Debt collection

Everday they call my number between XXXX and XXXX after being told it is not my debt, they say they will remove my number but apparently never do.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 i sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items for my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data Breach and may have got into the hands of the wrong person. I already created FTC report to request a remove on the items but there is no changes that has made
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is a response to XXXX XXXX response to my original complaint. XXXX ID : XXXX XXXX stated it was accurate as reported, however did n't explain how it was verified, which is what the original complaint was for. 

What steps did you take to verify the Orions Management ( XXXX ) account on my credit report? 

What did the company present to you as proof of verification? 

I do n't recognize this account, and according to the Fair Credit Reporting Act, I am entitled to a copy of the original contract, which I have not received. To go further, XXXX is no longer showing a balance on the Orions Management account and I have n't even made a payment towards Orions Management. This istem needs to be removed because they do n't even know what they 're doing anymore and its hurting my credit report.
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. 

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

Consumer Name : XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$1000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 card

Upon recent review of my credit report, I identified several inaccuracies that I believe need immediate attention and correction.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts on my credit report, which resulted from a data breach that compromised my personal information. In accordance with the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following accounts be removed from my credit file immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to TransUnion a few weeks ago and havent heard anything back as far as if there is an investigation started.
Product: Mortgage

On or about XX/XX/XXXX refinanced my childhood home with XXXX XXXX XXXX in the amount of {$52000.00}. I paid a premium of {$600.00} at closing for Title Insurance to XXXX XXXX XXXX XXXX XXXX. The loan was set up with XXXX XXXX. Then sold to Ditech Financial LLC Servicing. The loan is backed by XXXX XXXX. On or about XX/XX/XXXX my new neighbor informed me that my property was landlocked aka no ingress or egress. XXXX XXXX XXXX would not help or give any hope of resolving the issue. Then on XX/XX/XXXX at XXXX XXXX my home received 7 1/2 feet of water and stayed under water for 14 days! As of todays date XX/XX/XXXX it has been 741 days and still not back in my childhood home and still landlocked! The home received {$100000.00} in damages with only {$42000.00} in flood insurance. The XXXX cashed out in the amount of {$42000.00} payable to Ditech and myself in XXXX of XXXX. Ditech would not release the proceeds. Went into forbearance. The Texas General Land Office and FEMA forcing me to pay {$680.00} rent on a travel trailer. The house note is in the amount of {$510.00}. That includes property taxes, insurance and flood insurance. The property has 3 different Elevation of Certificates the one I paid for claimed that the property is in zone C, the County and City said it is in zone B, XXXX XXXX, XXXX and FEMA said it was located in zone A-12. On XX/XX/XXXX Ditech sent me a letter stating that they could not help me with the landlocked issue. Ditech said I was in forbearance so I used some of the monthly payments to try getting back in the home and then received a Notice of Default to be cured by XX/XX/XXXX. The Title Insurance Policy in the amount of {$52000.00} has been paid out to an unknown company while the property is still land locked and uninhabitable!
Product: Mortgage

I have been in Chapter XXXX since XX/XX/XXXX. 
Wells Fargo has not sent a mortgage statement since XX/XX/XXXX, despite numerous requests, in writing and by phone, by my bankruptcy attorney. 
An Agreed Order was entered on XX/XX/XXXX ordering Wells Fargo to send me monthly statements. 
Wells Fargo has not complied. 
Wells Fargo has not applied my XX/XX/XXXX payment.

Wells Fargo has not sent me an XX/XX/XXXX statement. 
I suspect they're charging me interest on balance not adjusted. 

XXXX XXXX XXXX
Product: Mortgage

I applied for a reverse mortgage told I'd been approved then told on XXXX that the man who was handling it was sending out by XXXX questions they had overnight. On the XXXX I told him nothing came. He told me he had a tracking number. I ask for the number. For seven days I tried to contact him. On the XXXX day I called the company to find out why I had not heard from him, found out he was out of town. Called back after I hung up to speak to his supervisor but was not given to his supervisor. He came back on the XXXX told me he would send another on, gave me a tracking number. Today is the XXXX. I still have recieved nothing XXXX tracking says they have no such tracking number like the one he gave me. I am tired of being lied too while the interest rate goes up. I changed XXXX XXXX co. After being treated the same way by the first one. I am a single  XXXX female and I don't know what to do. Counseling and appraisal are only good for 6mos and I've been given two dates this man told me this would be finished and there long gone. Help
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sen t AutoTrak sev eral letters regarding the inaccurate information they are reporting to credit bureau but they consist on continuing sending false information and they also are re-ageing this account to keep it on my credit report longer.This is really hurting me financially and mentally.   I recently disputed this account with the credit bureaus and the information was reported as verified and accurate.I 'm sure we both understand that most disputes are often conducted using software, such as  XXXX , and that mistakes can be made.   On  XXXX  -17 I sent t hem a certified letter asking them to investigate. Also to send me an explanation of the methods used, and a description/copies of records reviewed, when they conducted their investigation so I can conduct my own investigation into the accuracy of their records and verify that a reasonable investigation was completed. According to FCRA if they can not perform a reasonable investigation they have to remove this account from the credit bureau ASAP!   If not i will sue. The original creditor can be held liable for reporting inaccurate informati on (   XXXX  vs.  XXXX ,  XXXX  vs.  XXXX   XXXX   ), the FACTA l egislation passed recently allows the consumer to go directly to the original creditor and dispute information which the original creditor ( called the information furnisher ) in the FCRA, has supplied to the credit bureaus.   .
Product: Credit card or prepaid card

I PURCHASED XXXX XXXX XXXX XXXX XXXX FROM XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX OF THIS YEAR. THEY OFFERED SEVERAL FINANCE OPTIONS ; I SELECTED THE ONE THAT REQUIRED PAYMENTS OF 1.25 % OF PURCHASE PRICE AT A REDUCED 9.99 % APR UNTIL PAID IN FULL. 
THIS FINANCING WAS PROVIDED BY SYNCHRONY FINANCIAL " XXXX XXXX '', XXXX XXXX XXXX, XXXX, FL XXXX. 

I HAVE 2 ACCOUNTS : XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX THE PROBLEM IS THAT DESPITE RECEIVING EMAILS, I HAVE NOT RECEIVED ANY PAPER BILLS. THEY CAN NOT BE CONTACTED BY PHONE OR ONLINE.

I HAVE ALREADY BEEN ACCESSED A LATE FEE ON ONE ACCOUNT. 

I WANT TO RECEIVE PAPER BILLS!
Product: Credit reporting or other personal consumer reports

I have obtained a copy of my credit report and notice the account listed on my report that are unauthorized and are not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

For the last 16 months I have been receiving unsolicited marketing email from JP Morgan Chase ( JPMC ) and a third party company called XXXX XXXX XXXX ( XXXX ), which is financed by JMPC. Despite repeatedly requesting by phone and by email not to be contacted with non account related email, I continue to receive marketing offers inviting me to " save money on my mortgage '' and " download the app ''. As an XXXX XXXX  with experience in digital financial products I can confidently attest to the fact that the content of these emails is only pretextually related to my mortgage and it is marketing garbage. What is especially concerning is that JPMC has passed on personal, private information about myself and my mortgage, including email, interest rate and mortgage balance to XXXX. I am appalled at their disregard of my privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Collection Service is reporting derogatory remarks on my credit report when I've never done business with this company nor do I owe or have ever owed any balance or money to this company. The account appears on my credit report as a collection account from an original Lender ; XXXX. XXXX  is not a Lender and furthermore I do not owe XXXX any unpaid balances. I've had XXXX  as my insurance company for some time and would not be able to continue with their insurance service if I owed the company any unpaid balances. The information Credit Collection is reporting is incorrect and needs to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX at Transunion who works at the special handling department should be fired from her job for lying to me and violating my rights. I have the right under the FCRA to dispute any information on my credit report deemed fraudulent. I called on XX/XX/19 and she told me that even though there was fraudulent information listed on my report it would be there for 2 years and that is not true. She is stupid and should loose her job or I will sue you and XXXX for a violation of the fair credit reporting act and fair debt collection practices act.
Product: Debt collection

I received a letter stating that I owe XXXX XXXX XXXX of XXXX on the date of XX/XX/2022. This collection is false due to the fact I've moved out in XXXX.
Product: Checking or savings account

I Have tried on multiple dates to link my apps, XXXX, XXXX, XXXX, and XXXX to my PNC bank account they will not let me.
Product: Vehicle loan or lease

I have made previous efforts to get this issue resolved with no success. As my last attempt to resolve this matter directly with the company, I hope you can help. On XX/XX/year>, I was coerced by car salesman, XXXX XXXX, using high pressure sales tactics to sign documents regarding a vehicle for a friend to help with her approval odds. I was not made aware that I would be cosigning for joint ownership. I was never given full disclosure behind this auto loan agreement, and it has ruined my credibility that I have worked hard for. 
There are various statements and remarks on my consumer credit report from AMERICAN CREDIT ACCEPTANCE XXXX that reads either CLOSED, PROFIT AND LOSS WRITE OFF, and even OPEN STATUS. There are also different balances listed such as {$18000.00} and {$20000.00}. None of the information reported on my credit reports are completely accurate. Due to the charge-off of said vehicle, you have expressed a non-security interest in the vehicle. I am asking for a CO-SIGNER RELEASE OPTION and PERMANENT DELETION of this item from my consumer credit report. I look forward to your cooperation in resolving this matter. Thank you.