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

I AM WRITING TO REQUEST AN ACCURATE AND CORRECTED REMOVAL TO THE FALSIFIED/INACCURATE DEBT FROM MY CREDIT REPORT REMOVED IMMEDIATELY! 

I HAVE ALREADY DISPUTED THIS ISSUE THROUGH XXXX AND IT WAS ACCURATELY CORRECTED AND REMOVED. HOWEVER, IT STILL STANDS INACCURATE AND INCORRECT ON MY CREDIT REPORT FOR XXXX AS WELL AS TRANSUNION. 

I HAVE HAD MULTIPLE IDENTITY THEFT ISSUES AND THIS WAS BY FAR THE WORST, HAVING SOMEONE ILLEGALLY OBTAIN MY PERSONAL INFORMATION AND USE IT FOR A CAR LOAN DURING THE TIME OF THE COVID OUTBREAK. 

IN ACCORDANCE WITH FRCA, SECTION 611, I AM REQUESTING ONCE MORE FOR THIS INFORMATION TO BE REVIEWED, CORRECTED AND REMOVED! IN LIEU OF SENDING THIS INFORMATION, YOU CAN REOPEN THE DISPUTE AND ENSURE A PROPER INVESTIGATION IS PERFORMED.
Product: Debt collection

The statute of limitations has expired on my debt and the original creditor sold the debt to a collection agency which by law they had no right to do. Now the collection agency has put their account on my credit reports which they are not allowed to do because this was a time barred debt that has expired. They are also trying to collect. I would like some help with this please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing the following account under FCRA : XXXX XXXX XXXX account XXXX Experian refusing to investigate. 
Please delete asap
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I submitted a request to have information reporting illegally on my report removed to no avail. I have sent all required information to the bureaus.. Which included several police reports..Several FTC reports. My Identification.. Social security card and Etc.. I have pleaded with the bureaus to show me how they validated my late payments but they have not responded. I have been sending them the same information since last year. XXXX  continues to report addresses that dont belong to me. I was told several times that they would take them off. Still nothing. This is frustrating because I know my rights are being violated. I have a fraud alert on and it still doesnt help. XXXX  is reporting a fraudulent account ( XXXX  ) on my credit once again and I have provided them proof that Ive never even lived at that address. They wont even validate the account or send me proof of who this account belongs too.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is supplying banks and other institutions my credit report with a large amount of inaccurate and expired information which cause me and the corporation I am president of to not be approved when opening an application for credit or bank account.
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 

XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$3400.00} ; XXXX  XXXX Balance : {$3900.00} ; XXXX XXXX Balance : {$6800.00} ; ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$270.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the following fraudulent inquiries off my credit report XXXX XXXX XXXX   XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX   XXXX XXXX XX/XX/2018
Product: Debt collection

XX/XX/year> Subject : Formal Complaint Against First Credit Services for Incorrect Credit Reporting Dear Consumer Financial Protection Bureau, I am filing a formal complaint against First Credit Services for incorrect credit reporting on my credit report. Despite my previous disputes, this collections agency has failed to properly investigate and correct inaccurate information that they have reported. 

This inaccurate reporting has significantly impacted my credit score and financial opportunities. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681o, First Credit Services is liable for : Actual damages caused by their failure to report accurate information.

Attorneys fees and court costs, should I need to take legal action. 

I request that the CFPB immediately intervene to enforce compliance with federal law and ensure that this inaccurate information is corrected. Please confirm receipt of this complaint and provide updates on any actions taken against First Credit Services regarding this matter. 

Thank you for your time and assistance.
Product: Credit reporting or other personal consumer reports

This complaint is related to a previous complaint I filed with CFPB ( complaint # XXXX ) in XX/XX/year> and Bank of America and its collection agency XXXXXXXX XXXX XXXX has still not resolved the issue. 

According to an agreement between me and Bank of America my outstanding balance was reduced to {$54000.00} and I was obligated to pay it back on a set schedule. I have been making payments as of XX/XX/year> but Bank of American has neither notified the credit bureaus of the reduction in outstanding debt nor reported my monthly payments. This has caused a severe drop in my FICO score and made it impossible to secure a loan from anywhere including XXXX XXXX for myself or for my company. 

Attached are the documents that I previously received from Bank of America to my last CFPB compliant recently and is a letter that I sent to Bank of America today. I have been unable to reach their agents, XXXX XXXX  XXXX.
Product: Debt collection

CMI collections has repeatedly called me about an account with XXXX XXXX XXXX XXXX. This account is still in dispute between me and XXXX and is not resolved. CMI has now sent debt collection info against my knowledge which has effected my Fico scores considerably. CMI and XXXX now refuse to communicate on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Opened XX/XX/XXXX + {$450.00} Original creditor : XXXX XXXX XXXX XXXX  XXXX Opened XX/XX/XXXX + {$160.00} Original creditor : XXXX XXXX   XXXX Opened XX/XX/XXXX + {$220.00} Original creditor : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$1000.00} Original creditor : XXXX  XXXX XXXX  XXXX XXXX  all ftc violations filed
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 items 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 items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX Balance : {$0.00} Medical XXXX Balance : {$190.00}
Product: Money transfer, virtual currency, or money service

On Friday XX/XX/XXXX I received a text message from what appeared to be Chase bank asking if I had attempted to send someone money through XXXX. I said no and within seconds received a call immediately from someone claiming to be a Chase employee telling me someone was trying to take money out of my account and that I needed to send the money back to myself to stop the fraud. I told him I didnt feel comfortable doing that and he told me to check the phone number on the back of my debit card to confirm that was the number he was calling from and it in fact was Chase banks customer service number. I followed their instructions and just like that I lost all of the money from my checking account and from my XXXX XXXX XXXX sons  account. They seemed to know I had XXXX checking accounts linked to XXXX. After the transaction was done the line disconnected and I knew I was scammed. I immediately called Chase for help. Chase said because I authorized it by following the instructions they couldnt help me. I explained that the person was calling from Chase and pretended to be a Chase employee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have issues with XXXX and a reporting that continues there is a old account closed in XXXX still reporting and they even reported it first being major delinquent in XXXX I asked to get this deleted every month it is adding remarks to my account and dropping my credit score 42 points this month 36 last month and 31 in XXXX please delete this account from my reporting agencies I called both XXXX multiple times and synchrony bank and both were rude and denied my request.
Product: Credit reporting or other personal consumer reports

I do not have a contract with XXXX XXXX XXXX nor have I ever, the accuracy of this account is definitely questionable and request that it be removed from my record
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion continues too violate consumers and FCRA by purposely reporting lies and inaccurate information for the sole purpose of damaging reports and scores. I have made MANY of complaints too CFPB yet nothing has been done about this issue. 

TransUnion has many errors and lots of inaccuracies throughout my entire credit report. Refusing to correct anything. I have contacted an attorney about the issue and will be seeking damages. 

TransUnion has continued too ACTIVELY report discharged debt which is about 4.5 years old. 

XXXX also continues too have inaccurate information on this same account. 

The name of the creditor is XXXX XXXX XXXX XXXX mortgage, The name has been altered many times too benefit their legal reporting needs. Because this company has been OUT of business, its solid evidence that the active reporting is in fact the reporting agencys doings. I thought government agencies like that of CFPB holds the responsibility of helping protect the consumer when companies are in violation of the law and the consumer. I have well over 30 complaints with CFPB, maybe resolving 2 issues at tops. 
That is totally unacceptable coming from a government agency. 

If others are able too read this and got nothing resolved, YOU arent the only one! 
I keep all my records on reports as Im sure the courts will want too know the involvement of the CFPB. 


The company is 100 % NOT adding remarks too my report, its TransUnion and XXXX BOTH ARE FRAUDULENT A company gone out of business does NOT still actively report! Evidence of FRAUD AND STOP SAYING YOU CANT IDENTIFY MY IDENTITY BC YOUR LYING! If TRANSUNION cant ID me then QUIT adding information too my credit report, QUIT providing my credit report and score too creditors, QUIT asking me too IDENTIFY myself because if I did, how would you even know whom too compare it too? JUST STOP ALL THE FRAUD already! Nothing has changed, absolutely nothing! TRANSUNION can verify my ID through the United States Federal Court during the XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several incorrect accounts. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here are the items I am asking you to verify as accurate : 1.DEPT OF XXXX XXXX Amount : XXXX 2.DEPT OF XXXX XXXX Amount : {$5600.00} 3.DEPT OF XXXX XXXX Amount : {$1600.00} XXXX OF XXXX XXXX Amount : {$2300.00} The above accounts reporting on Transition is reflecting a completely different account number on XXXX and XXXX : XXXX PER the FCRA XXXX this is inaccurate reporting and needs to be removed. Why is XXXX stating a different account number? 

After your investigation is complete, please send me the results via mail. 

Thank you in advance, Best Regards,
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 XXXX # XXXX, XXXX XXXX BANK XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states that I have the right to privacy. 

The companies did not report the accurate information to each credit bureau nor did they provide accurate information when asked. 

XXXX XXXX XXXX sold the account information to collection and never gave the account holder the information to where it was sold. XXXX XXXX XXXX continued to keep this account in " charge off '' status. The information provided is different amongst all credit bureaus. 

Collect all information regarding these account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Department of Education sent me a email in XX/XX/2023 stating that my student loans were being discharged due to a borrower defense application. The loan service ( Dept of ED/ XXXX ) processed my loan discharge on XX/XX/2023. I contacted XXXX on XX/XX/2023, and they confirmed that the loan was discharged and that they sent letters to all 3 credit agencies ( XXXX, Equifax and XXXX ) on XX/XX/2023 informing them of this discharge, so that they could remove it from my credit report. All three agencies failed to do so. After confirming that the loan was definitely discharged by XXXX on XX/XX/2023, I contacted all three agencies and disputed the debt online and provided them with the email letter from the department of education that stated the loan was discharged. All three agencies have responded back in a mater of days stating that they " investigated '' the matter and that the debt was " accurate '', when in fact, it is not and needs to be deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted  XXXX   XXXX   XXXX  to ask about the multiple inquiries on my credit report and was transferred many times to where they are giving me hypothetical situation to where they might have happened.   I had an account that was opened in    2015  with this bank and never have given permission or applied for any other services with this company.   If this was in error, please delete the inquires immediately from the credit bureaus
Product: Credit card

I received a credit card from Cash App that I never ordered ( in early XXXX ), I contacted Cash App and started a case but received no follow up. Tried calling Cash App and they are less than no help, didn't want to transfer to a XXXX and hung up. Just today ( XX/XX/year> ) I received a XXXX from Block Inc stating that in my name someone accepted {$12000.00} ( {$33.00} XXXX, {$12000.00} XXXX ), I am liable for that to IRS now. 

Called Cash App again today, they can't find anything with the name, email nor the Cash App user name on the card. Cash App was of XXXX help and just said to open a identity theft case on XXXX. They would only work with the police department if the police would contact them. 

The card was opened in my maid name, I have had my new last name for over XXXX years now. Don't know how they used a wrong last name and still opened the card.
Product: Money transfer, virtual currency, or money service

I hold virtual currency in a XXXX XXXX provided by Coinbase.com. 

To withdraw funds from the XXXX XXXX I must respond to one request for authorization that is sent by Coinbase.com to each of two separate email addresses I provided to Coinbase.com for this purpose when I set up the XXXX XXXX. 

Unfortunately I am unable to access the second of the two email accounts I provided for this purpose and, though I am actively trying to recover access to this email account, I CAN NOT AFFORD TO WAIT FOR IT 'S RESOLUTION BEFORE I NEED TO ACCESS MY COINBASE.COM XXXX. 

On XXXX @ XXXX XXXX PST I contacted Coinbase.com with a request to fix this problem and received an automatically generated response which states " Thank you for submitting your request. Due to increased volume it may take several days to receive a response. '' This is not a response that is appropriate to a company entrusted with the management of customer funds.
Product: Mortgage

XXXX XXXX foreclosed on and sold at auction a condo when the mortgagee died with no assets and as part of the probate process. 

They sold or transferred the account to Selene, which I've spoken to a couple times and told them this property was already foreclosed on and sold at Sheriff sale by XXXX XXXX. 

Selene continues to correspond with me wanting payment and with statements showing they are continuing to make escrow payments for insurance on a property/mortgage they never had a right to collect on. 

The last person I spoke to XXXX  months ago said she'd have to refer it to a supervisor to handle and he would take care of it.
Product: Debt collection

Ive done tried disputed with this company before and their illegal business tactics three times theyve changed the type of loan closed it then opened it back up had the wrong dates and could not verify my identity with my wet signature. Now I have another third party company saying this is there debt now. Ive called them and they were very rude over talked me. Tried to inform they havent sent me the information Ive requested. Information and Dates are not up to date with all credit bureaus.Theres a company named XXXX XXXX which is contacting me about a debt now after Ive asked XXXX multiple times to stop contacting me.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX day late? how is that possible? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax because of the Unauthorized student loans that were showing up on my credit report. Which I sent them proof of identity theft, meaning all identifiers like SSN copy, A utility bill with my current address, a police report with my name address and birthdate on it, and other verifiers. However I received a message saying that they can not properly investigate because it is a third-party issue however I called consumer finance and was told that they could not identify me in their system. Which makes no sense I feel they are deliberately avoiding investigating my complaint and disputes. I am not being treated fairly.
Product: Credit reporting or other personal consumer reports

There are address on my credit report that I do not recognize. I would like for it to be removed. The correct address is XXXX XXXX XXXX XXXX. There should be no other addresses on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiry to my credit report
Product: Credit reporting or other personal consumer reports

I have submitted a report to the FTC regarding the unauthorized credit inquiry ( XXXX XXXX XXXX XX/XX/2023 ), which is a clear violation of my consumer rights. 
I have disputed this inquiry with Equifax, providing evidence and documentation to support my claim that I did not authorize this inquiry and that they are inaccurately listed on my credit report. 
Despite these actions and the clear provisions of the FCRA, Equifax has failed to remove the unauthorized credit inquiry from my credit report, stating that it is accurate. This response is not in compliance with the FCRA, and it undermines the protection of my consumer rights. 

I am writing to request that Equifax takes immediate and corrective action to address this issue in compliancewiththeFCRA. Attached you will also find my ID, and my Proof of Address.
Product: Debt collection

FCO FAIR COLLECTIONS AND OUT ( Original Creditor : XXXX XXXX XXXX XXXX ) of XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX is demanding payment for a debt that does not belong to me and is further inaccurately reporting this item on my credit report with efforts to unlawfully collect a debt. I have made efforts to resolve the matter and requested supportive documents to validate this debt. To date the company has failed to provide this information and continues to demand payment with unlawful tactics for payment by reporting this false information to the credit bureaus. I have never had any business transactions with the original creditor noted and they claim to have no knowledge of this debt.
Product: Mortgage

As per the attachment, this loan was paid off on   XX/XX/XXXX . On  XX/XX/XXXX , t he PMI monthly premium was deducted for  XX/XX/XXXX . This should not have been deducted. As you can see on  XX/XX/XXXX  the PMI for  XX/XX/XXXX was already deducted. Why was I charged PMI for  XX/XX/XXXX when the loan closed on  XX/XX/XXXX ? I have made many calls to shellpoint to ask for my refund and have been told that this deduction should not have been made and that my refund is being processed. I do n't believe them any longer.
Product: Credit reporting or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and did not give Equifax written permission to furnish these accounts. 

Account : XXXX XXXX XXXX XXXX  XXXX Account : XXXX XXXX XXXX  XXXX XXXX Account : XXXX XXXX XXXX  XXXX XXXX
Product: Credit card or prepaid card

In XXXX, Direct Express closed my account and instructed me to contact social security to redirect my benefits. However, in XXXX, social security mistakenly sent my benefits to Direct Express, and they confirmed that direct express received the payment through a " cleared ACH transaction ''. Unfortunately, I have been unable to reach Direct Express by phone since XX/XX/XXXX, despite my numerous attempts. The automated phone attendant advises me to call back during non-peak hours, but even after calling hundreds of times throughout the day and night, I have been unable to get through to them.