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

Dear [ CFPB ], I am writing to file an urgent complaint regarding fraudulent charges that have been reported on my credit report. I am a victim of identity theft, and my personal information is being used by an unknown individual across various accounts that I do not recognize or authorize. I travel frequently and am not well-versed in managing my credit, which my wife recently reviewed and found multiple accounts that have been opened in my name without my knowledge. This is an ongoing and dangerous situation that has persisted for months. Despite my repeated attempts to resolve the issue, no creditors or bureaus have provided any contracts, signatures, or proof to substantiate the charges or transactions. I was not notified by the credit bureaus or creditors within the required 5-day window, as outlined in 15 U.S.C. 1692g ( Validation of Debts ), which I was informed about by my lawyer. This failure to notify me is illegal and violates my consumer rights under federal law. As per 15 U.S.C. 1681 ( Fair Credit Reporting Act ), my right to privacy, confidentiality, and accurate reporting has been directly violated. Additionally, 15 U.S.C. 1681s-2 ( a ) ( 1 ) prohibits furnishing inaccurate information to consumer reporting agencies, which has clearly occurred in my case. I demand immediate action to remove these fraudulent accounts from my credit report and protect my privacy and rights. I will pursue legal action against both the bureaus and creditors involved for failing to provide the necessary documentation and for violating my federally protected rights.

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX  inquiries : 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

Bank  of America ( BoA ) purchased my mortgage seven years a go and has paid my home owners insurance from escrow every year until   XXXX   when they failed to make the payment. The insurance lapsed for non payment. BoA did NOT notify us of this. We had a pipe break after the lapse and when we contacted the insurance company they informed me policy had lapsed for non payment by BoA. I contacted BoA and they acknowledged receiving the declaration from insurance company but could not explain why they did not pay. BoA began changing their story but continued to provide no solution. BoA promises return calls but never has called me. They have done nothing to help with the damage. I call, they tell me to try and get my insurance company to pay. I have wet, sagging drywall, wet carpet and mold that is increasing every day. No response from BoA. This is a crime. Negligence in servicing my loan. Inhumane treatment.
Product: Debt collection

I received a mail XX/XX/XXXX. It does not have a return address. It state the former XXXX with an account number XXXX that I owe {$27.00}. I called XXXX and they are still on the same name and my account is paid in full as of XX/XX/XXXX. So this is a scam. 


the physical address : Tansworld System Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Return Mail Only : XXXX XXXX XXXX XXXXt XXXX XXXX, DE XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX sold my debt to XXXX XXXX they are on my XXXX XXXX credit report. Please remove this. This is a duplicate that they should not be on my credit report this that is too old to be on my credit report. This company has sold my debt for pennies on the dollar and theyre still reporting illegally after its been sold
Product: Money transfer, virtual currency, or money service

I have an account with Coinbase, which was locked without my knowledge and indicates that I have to contact them to unlock it. I have not been able to contact anyone at Coinbase customer service to rectify this and allow me access to my own account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacting Experian for over a year trying to get them tp update my credit report to accurately reflect my bankruptcy discharge. I have attached my discharge papers directly from the Federal Bankruptcy Court. Experian has refused to update the following accounts : 1. XXXX XXXX ( all accounts ) 2. XXXX ( all accounts ) 3. XXXX XXXX XXXX act # XXXX 4. XXXX XXXX XXXX act # XXXX 5. XXXX XXXX XXXX XXXX XXXX act # XXXX 6. XXXX XXXX XXXX XXXX act # XXXX THESE ACCOUNTS WERE DISCHARGED IN CHAPTER XXXX BANKRUPTCY AND PROOF HAS BEEN PROVIDED MULTIPLE TIMES. EXPERIAN PURPOSELY AND NEGLIGENTLY REFUSES TO UPDATE THESE ACCOUNTS ACCURATELY CAUSING ME TO SUFFER EXTREME HARDSHIP AND BLOCKING MY ABILITY TO GAIN EMPLOYMENT AND SHELTER ( A HOME ) FOR MYSELF AND MY CHILD. Please please please MAKE THEM COMPLY TO THE LAW. My next step is a lawsuit because I have exhausted every possibility to getting them to correct this information. I have contacted the creditors directly and all have verified that they received notice of discharge. 

PLEASE HELP!! VERY URGENT!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I again looked at a XXXX XXXX XXXX  account on my Experian account and it STILL is reporting false information that damages my credit. On multiple occasions I have disputed via certified and regular mail ( 4 times ) that this account is too old to be reported as the DATE OF FIRST DELINQUENCY WAS MORE THAT 7.5 years ago and EXPERIAN continues to lie and say it has verified the account when clearly if the did they would have the specific records that prove my point. XXXX XXXX also told me they did not provide anything to Experian And they refused to provide me with any records that old in a closed account because it was too much work and they did t do that. THIS ACCOUNT IS TOO OLD! I also demanded details and copies of all original documents to show original proof that account is too old and has aged off from date of first Delinquency more than 7.5 years ago!!! I WAS ALSO IGNORED AND NOT PROVIDED WITH PROOF OF INVESTIGATION BY EXPERIAN WITHIN THE 15 day deadline or EVER! Also- EXPERIAN AGENT XXXX INFORMED ME ON XXXX XXXX That there were 6 current late payments added to my report on this 6 years closed account!!! He also agreed to remove them but he did not! 
Please instruct Experian to delete this account for being too old older than 7.5 years. You will note in the material from Experian I am attaching that EXPERIAN DOES NOT INCLUDE THE DATES IN ITS REPORT FROM XXXX XXXX XXXX XXXX. IF they investigated any dispute they would have gotten these records as that was the basis of my dispute. SINCE THEY DID NOT THIS IS ADMITTING THERE IS NO EVIDENCE AND TJEY ALSO FAILED TO PROVIDE WITHIN 15 days of certified letter the proof. THIS ACCOUNT MUST BE DELETED! They should not get to delay things by now trying to investigate when THEY DELIBERATELY DID NOT FOLLOW THE LAW!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) Account NumbeXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX  GA ) Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an 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: Debt collection

PHOENIX FINANCIAL SERVICES LLC Is a 3rd party trying to collect monies that have already been paid by my insurance company. Please remove all collections from all 3 credit bureaus immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX 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 also states a consumer agency can not furnish an account without my written instructions,
Product: Debt collection

Hello, this debt is over 7 years and the wrong amount is being asked for. Ive been receiving letters from the company stating that a lawyer will sue me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2019, i made contact with ECMC XXXX XXXX D/B/A Vice President/ Counsel with the intentions to settle the allege student loan debt by way of debt validation letter. In XXXX of 2019 ECMC sent me a threatening letter stating, they will take my earnings and money in private bank account if i don't pay up. Under duress and fear, I made payment XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019 [ see receipts ] to date, ECMC reports inaccurate information, and fails to update their account. In XX/XX/2019, i made payment in full [ see receipts ]. ECMC continues to report inaccurate data, and continue to report the accounts as charge off/ failure to pay ; ECMC agent XXXX receive notice from me with correct information [ see attachment ] but refuses to correct the record. I want ECMC to stop sharing my private data and information, without my written or express authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXXXXXX XXXX XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$450.00} XXXX XXXX Bankruptcy Date Filed/Reported : XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX A fraudulent credit card was opened using my old address. I sent Discover proof of my correct address ( copy of my apartment lease ) during that time and all other documents they requested. They still won't acknowledge the account is fraudulent and are still keeping it on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end XXXX  consumer credit plan as late for and purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

A creditor is currently reporting incorrect information to XXXX, Experian, and XXXX credit bureaus. I sent each credit bureau a letter on XX/XX/XXXX disputing the inaccuracies, however, their research into the disputed did not net the results I requested. I asked for original signed documents/applications associated with the account. I also spoke with the original creditor about the error but was ignored. The item shows up as XXXXXXXX XXXX XXXX on my XXXX report, account opened on XX/XX/XXXX ; the item shows up as XXXX on my Experian report, account opened on XX/XX/XXXX ; and the item shows up as XXXX on my XXXX report, account opened on XX/XX/XXXX. The company is reporting inaccurate information, as my wife and I did open an account with these companies on XX/XX/XXXX. As such, I've requested signed documentation that XXXX and XXXX XXXX opened an account with each of these companies on XX/XX/XXXX.
Product: Credit card or prepaid card

Following up the closing of my dispute with Discover Financial Services, I decided - for the sake of my sanity and sustaining the quality of my credit status- to reach an agreement with that business entity. This agreement was made by authorized Discover Card Collection Representative XXXX XXXX XXXX, confirmation # XXXX which dated XX/XX/2022 and entails the full payment of {$340.00} by an ACH transaction from XXXX XXXX XXXX. This payment was made, as a conclusive sum, in order to close this issue for ever. 

On XX/XX/XXXX, I returned from XXXX trip, realizing that XXXX XXXX  has a system glitch, and couldn't complete the transaction, as the payment inadvertently refunded back to the bank. I immediately notified Discover Card about the system problem with the bank. XXXX XXXX was not available and was replaced by XXXX XXXX XXXX ( sic ), confirmation # XXXX, who assured me on XX/XX/2022 that by paying the amount of {$340.00} there will be " XXXX balance account ''. I requested a written statement for that, she responded by stating " It is my honorable promise, '' and brushed off my request stating " We don't send statements like that. '' Then I decided- in order to speed the delivery of the fund - I used another financial institution to transfer the fund, which was received, accordingly. Now, Discover Card started their harassment, and demanded additional payment of {$110.00} ( XXXX XXXX Credit of {$69.00} & interest charge of {$12.00} )
Product: Mortgage

XXXX XXXX XXXX  I requested information of payments made and never received history of applied payments. I can not reach anyone over the phone that will send this information to me due to another CFPB complaint with them. I was told that my mortgage was paid in full by a representative and now I have a Writ of Execution for the prior title company demanding payment. I need this resolved as soon as possible.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate addresses listed in my personal information on my credit report. I have identified multiple incorrect addresses that do not belong to me, and despite repeated attempts to have them corrected, the credit reporting agency has failed to take appropriate action. 

I was a victim of the XXXX  XXXX data breach, which exposed my personal information to potential identity theft. As a result, it is critical that my credit report accurately reflects only my valid information. The continued presence of these incorrect addresses may indicate fraudulent activity and could negatively impact my financial standing.

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ), credit reporting agencies are required to investigate disputed information and correct or delete any inaccuracies within 30 days. Additionally, per 15 U.S.C. 1681c ( a ) ( 4 ), consumer reporting agencies must maintain accurate and up-to-date personal identifying information. By failing to correct these inaccuracies despite my multiple disputes, the credit bureau is in violation of federal law. 

I request an immediate reinvestigation of my credit file and the removal of all incorrect addresses. Please provide written confirmation of the corrections or a valid reason for any refusal within the legally mandated timeframe. If this issue is not resolved promptly, I may escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory authorities. 

Thank you for your prompt attention to this matter. I look forward to your timely response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I only should have XXXX open account still from student loans. they were deferred and then consolidated. On this report, they show XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is against Freedom debt relief. 
This company has been charging me excessive fees that I was not aware of it. 
I pay monthly {$300.00} and they take only {$70.00} for my debt and they keep the rest as a settlement fees. I called customer service and they were rude and I have gotten 2 different responses in regards my payments. 
I was only aware of a small fee charge for the settlement but what they are doing is completely wrong and misleading.
Product: Credit reporting or other personal consumer reports

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

Please delete all these fraudulent accounts none of the listed is associated with me. The account listed are not transactions done by myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : 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.
Product: Credit reporting

The following companies performed hard inquiries into my credit without my knowledge with damaging consequences to my credit report. When i contacted each the response was always a ) they wanted more personal information b ) they blamed someone else c ) were unable to help me by removing them : XXXX XXXX XXXX XXXX, XXXX XXXX. WONT REMOVE UNTIL XX/XX/XXXX.,XXXX # XXXX, Credco XXXX XXXX XXXX, XXXX XXXX . # XXXX XXXX WONT REMOVE UNTIL XX/XX/XXXX
Product: Debt collection

Assetxare LLC has been putting erroneous charges on my credit report. They attempted to do this twice before and it was removed from my credit report. They recently attempted again to put a {$2900.00} charge on my credit report and this time it was not removed from my credit report. Mind you XXXX  has removed all of these from my credit report!! If this does not get removed immediately I will be seeking legal counsel for help!! This is unacceptable business practices. It is called harassment and I have no knowledge whatsoever in regards to these accounts. I have not received any correspondence from this company.Last year I went as far as freezing my credit report so these disgusting companies could not harm my credit. Thank you.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act XXXX account XXXX has violated my rights 15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 604 A Section 2, It also states a consumer reporting agency can not furnish a account without my written instruction XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

The company continues to take actions on my account that make my payments ineligible to count towards PSLF. 

In the Spring of XX/XX/XXXXI called because despite my IDR plan application being processed and being given an amount to pay each month they had me owing XXXX dollars more than what I qualified for. I called several times each time being told they didn't have answers for me. My account was overdue for 5 months until I filed a report with CFPB. 

Most recently, in XX/XX/XXXX I called to have paid ahead status permanently removed from my account. In XX/XX/XXXX they put my account in paid ahead status 3 times each time I had to call and have it removed and that monthly payment didn't qualify towards the PSLF because of it. Again, in XX/XX/XXXX they have placed my account in paid ahead status and my payments have not counted towards PSLF. I have called several times this year to have the paid ahead status permanently removed to be told it has been removed and then each month it still showing up on my account.
Product: Vehicle loan or lease

I tried to extend my credit and conduct a consumer credit transaction and finance a vehicle through Carvana.com and their requiring a down payment separate from the finance charge which is supposed to be included in the finance charge which is the sum of all payments pursuant to 15 usc1605. I contacted someone to try and resolve this issue but no one seemed to hold authority to resolve this matter. They willingly and knowingly misleading me through false representation which is in direct violation pursuant to 15 usc 1611 & see 15 usc 1692e.
Product: Credit card or prepaid card

American Express company will not open personal or business account in my name because in or around year 2008 it closed my accounts. In or around 2008 I had several open American Express account ; some where charge cards and some carried revolving balances. When the 2008 banking industry crisis occurred American Express on a short notice demanded that I pay down or pay-off revolving balances. Because some accounts were carrying business expenses, I needed more time to pay down balances, however, American Express closed all accounts without any notice. had I been given an opportunity, I would have paid down or paid off balances in full. Millions of individuals and businesses were financially hurt during the 2008 economic tsunami, and through no individual fault lost personal investments and lifetime savings. XXXX years have passed, and I have tried to re-establish credit relationship with American Express, however my efforts have been stonewalled every time I had applied for a personal or business account. It is hard to believe that American Express has a policy which permanently bars applicants like myself from getting new credit only because I was a victim of 2008 financial global crisis.