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

Hello, my name is XXXX XXXX, I am a victim of identity theft. I submitted my initial dispute well over 30 days ago and still have fraudulent information on my credit report. I need this fraudulent information removed from my credit report within XXXX business days. 

Account Name : XXXXXXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, Fraudulent Inquiries : COMPANY NAME : XXXX XXXX XXXX INQUIRY DATE : XX/XX/2022, COMPANY NAME : XXXX XXXX  XXXX INQUIRY DATE : XX/XX/2022, COMPANY NAME : XXXX XXXX XXXX INQUIRY DATE : XX/XX/2022, COMPANY NAME : XXXX XXXX INQUIRY DATE : XX/XX/2022, COMPANY NAME : XXXX XXXX INQUIRY DATE XXXX XX/XX/2022, COMPANY NAME : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/2022, COMPANY NAME : XXXX INQUIRY DATE : XX/XX/2022, COMPANY NAME : XXXX INQUIRY DATE : XX/XX/2022, COMPANY NAME : XXXX XXXX XXXX INQUIRY DATE : XX/XX/2022, COMPANY NAME : XXXX  XXXX FIN INQUIRTY DATE : XX/XX/2022, COMPANY NAME : XXXX XXXX INQUIRY DATE : XX/XX/2022, COMPANY NAME : XXXX  XXXX INQUIRY DATE : XX/XX/2022, Fraudulent Addresses : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXXXXXX Balance : {$9600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX Balance : {$2700.00}
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 Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : 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, credit repair services, or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Credit reporting or other personal consumer reports

My husband and I called and spoke with several loan account specialists on XX/XX/21 before speaking with the collections department. We were not aware that our last payment for our auto loan was due before XXXX. This was because we had previously requested a deferment and those XXXX payments were put on the back end. However, after speaking with a " XXXX '' in collections who was very rude, we scheduled a payment for XX/XX/XXXX and were told that this would not affect our credit. We provided the collections representative with all of the payment information to schedule the last payment for XX/XX/XXXX. However, today I received an alert that the account has been reported delinquent. We have been loyal customers and have always paid our loan. We are very disappointed and frustrated that XXXX would treat us this way after having paid off our entire loan with them after XX/XX/XXXX. At this point, we will NEVER do business with XXXX in the near future because if this is how they treat their customers, I would rather take my business elsewhere and to think that we were thinking about opening a checking/savings account with XXXX  has also left us thinking otherwise. I hope that this issue can be resolved and that XXXX will remove this derogatory inquiry from our credit reports. Also, nowhere in the deferment agreement does it state that the final payment will be a balloon payment. Therefore, we were unaware that we would have to make a final payment of more than {$800.00} in XXXX. Therefore, we only paid the amount that weve always paid on the loan, in which the loan payment was never late. It's not right that XXXX reported the last payment as past due to the credit report agencies. We did make the regular payment, we just weren't aware that we had to make a double payment for the last remaining payment on the loan.
Product: Credit reporting or other personal consumer reports

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

It wasn't a option medicare partly paid for a medical bill. The only thing left to pay is the ambulance. The company quad corporation XXXX XXXX XXXX XXXX IA XXXX # XXXX sent me a letter with what seems to be blood dripped on it. Or red ink. It looks like blood because of a drop. All different sizes.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : INQUIRY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I have written to XXXX XXXX numerous times to notify them that I am not aware of this debt and asked them to remove it. Their response was to turn it over to a collection agency. I do not owe this debt. Please provide a contract with a wet signature. 

XXXX XXXX Last reported XX/XX/XXXX {$1100.00} Reported balance Credit limit {$800.00} You're using XXXX % of your account 's limit OVERVIEW Credit limit {$800.00} Minimum monthly payment {$0.00} Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) PAYMENT HISTORY Last payment -- Payment status -- Amount past due {$1100.00} Worst payment status No Info ACCOUNT DETAILS Account status Closed Type Charge account Responsibility Individual Remarks Charged off as bad debt Profit and loss write-off Times XX/XX/XXXX days late XXXX Closed XX/XX/XXXX CONTACT INFO XXXX XXXX XXXX XXXXXXXX XXXX, OH XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to send me proof of my written authorization and the permissible purpose I made I never received any response from them. 

In accordance with the XXXX XXXX XXXX, these companies have violated my rights. 

Listed below are the companies and the date of inquiry : 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: Student loan

I have sent an email in XXXX requesting that any amount paid that is over the amount due be applied to my principle amount due, this email has so far gone unanswered. Also, I have tried calling them several times and wait times are 90 minute 's or more making it impossible to speak to someone. When making payments that are greater than the amount due, Nelnet reduces the next months amount due. I have sent an email requesting that the remaining a amount that is over the amount due on the statement be applied to my principle amount.
Product: Credit reporting or other personal consumer reports

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Product: Credit card or prepaid card

the transfer does not give all the info on fees. It makes it look like its 0 percent to transfer and that is it. They actually charge a high 5 % percent to transfer. It does not say it here.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has a dismissed bankruptcy on my credit report and I would like to have that information validate, along with providing me proof that 's my debt. And if that is n't possible, have that and ALL other accounts attached to the bankruptcy remove from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS 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 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Mortgage

XXXX County Nevada isn't given my ( Tax-Exemption ) to Freedom Mortgage at all. Now Freedom Mortgage Coming after me for Tax payment. As they gave me my Parcel # XXXX, and Tax-Exemption # XXXX still not given to my Mortgage Company over a year since XX/XX/XXXX. Why are they doing this to us, deemed to be a breach of information wise. Please ; I need help to relegate this unrighteous Dominion and Unscrupulous practices and conduct by such a County ... .. '' XXXX County '', Nevada.. 

I am XXXX XXXXt XXXX Veteran. since XXXX.
Product: Credit reporting

I went to AnnualCreditReport.com to obtain copies of my credit report from the XXXX credit reporting companies. I logged in and then answered questions to receive the PDF copies online. The system then logged me out a few minutes later and did not allow me to print my reports. I tried to get back into the system and it stated I had already been serviced and to come back next year. Submitted complaint got form letter of " regret '' back in mail. Did not address the issue or resolve the complaint. In the letter and website, they do not provide a number to call or other access ; just return P.O. address. At a minimum, they should mail me my XXXX credit reports as they know from their system I was not able to access or print them despite providing all of my personal information and answering all of the security questions satisfactorily.
Product: Debt collection

XXXX XXXX Hospital in Iowa sent a medical bill to XXXX XXXX XXXX XXXX, XXXX Illinois, for an unpaid medical debt for our son. The hospital sent the debt in my ex husbands name only since he is the insurance carrier, legally responsible for all medical debt for our children after XX/XX/XXXX in divorce decree and the grantor on the medical bill account. In prior years when we were married, we had accounts together through XXXX XXXX XXXX XXXX. When XXXX XXXX Hospital sent the account through to XXXX XXXX XXXX, the automatically attached my name to the account in collections. I never received a bill from XXXX in this account and never received a bill through XXXX XXXX XXXX on this account. I found that XXXX XXXX XXXX had done this when I checked my credit. When I spoke to XXXX XXXX XXXX XXXX they said they couldnt bill me because they didnt have my address or number but had tried communicating with the ex husband whom was sent to collections in the first place with no response. XXXX XXXX XXXX XXXX representative threatened to take me to court, said they did not want a copy of the divorce decree, talked over me in a hollaring voice, belittled me. The original creditor, XXXX XXXX Hospital did not send me to collections, never billed me for the services on XX/XX/XXXX but sent it to collections on XX/XX/XXXX due to a nonpayment on a bill my ex husband is legally responsible for paying. XXXX XXXX XXXX XXXX took it upon themselves to add my name to this collection account and put a derogatory mark on my credit when this account was not in my name in the first place when XXXX XXXX Hospital sent the account to them. XXXX XXXX XXXX XXXX has put a derogatory mark on my credit for an account that is not mine, threatened me, would not allow me to send evidence that the account was not mine, has not submitted proof that I owe the bill because the do not have my address and should not have my address since XXXX Hospital submitted the account on my ex husband and all of his information. We have been divorced since XX/XX/XXXX. XXXX Hospital is also working to remover my name from XXXX XXXX XXXX XXXX since they did not send my name on this account.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/year>
Product: Mortgage

My mortgage was recently transferred to NewRez. I have autopayment set up on my account for which payment cleared in XX/XX/XXXX. On XX/XX/XXXX a second payment was deducted from my account. I contacted NewRez which required navigation of a long phone menu.

After contacting customer support they said it was a known issue for all recently transferred accounts. A second payment was deducted via ach in error and was scheduled to be reimbursed. No timeline to reimbursement provided. No notification of the error. No message posted to their site, noting the issue. Payment was returned the following day. On the next day a third payment was deducted from my account.

As in the first instance, I called and the agent said it was a known issue and that funds would be returned the following week. I asked what was being done to remediate the issue. The agent was not aware. I asked the agent for a concession given the withholding of funds for a period in excess of 5 business days. No concession granted. I was then directed to a manager who could not explain the root issue, nor provide a concession for funds withheld. No notification of their error or communication has been provided by NewRez. 

It has now been over 14 calendar days and I have called the company for an update multiple times. They continue to tell me the money has been refunded but there has been no deposit in my account. I do not know what the status of refund is, truthfully, and my next monthly payment is in two weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Southwest Credit Systems, L.P. at XXXX XXXX XXXX, XXXX, TX, XXXX, has falsely reported to XXXX that I did not compensate XXXX for the amount of {$170.00} for service rendered between XX/XX/XXXX to XX/XX/XXXX at an address at which I have never resided. When informed of this collection activity, I called Southwest Credit Systems, explained I was unaware of and not responsible for charges at an address I knew nothing about. I was told at that time they would inform XXXX that I was likely a victim of identity theft, and the charges would be dropped. Instead, I find they have reported it as an unpaid collection item to XXXX.
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.

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 card or prepaid card

See attatched USAA CREDIT CARD FRAUD CLAIM LETTER OF XX/XX/XXXX. Claim Date CONFIRMED XX/XX/XXXX {$470.00} UNAUTHORIZED TRANSACTIONS. 1 ) What statement will I find ( {$470.00} ** INCLUDED IN TOTAL CREDITS FOR THIS PERIOD.??? ) I have all statements XX/XX/XXXX until current. THERE ARE NO PERMANET FRAUD CREDITS APPLIED. ( Kindly Note USAA UNTIMELY FRAUD INVESTIGATIONS NOT DONE UNTIL XX/XX/XXXX A YEAR AFTER Claim Date XXXX XXXX ) NO USAA PERMANET FRAUD CREDITS PROVIDED XXXX Remember usaa policy of temporary credits that fall off and are NOT EVER INCLUDED IN TOTAL CREDITS FOR THIS PERIOD. They appear as ADJUSTMENT PURCHASES and are only Temporary until MADE PERMANET.
Product: Credit reporting or other personal consumer reports

this is my 2nd attempt sending letters XXXX, to the CRA 's TRANSUNION, XXXX, AND XXXX about reporting inaccurate information on my credit report.i have informed them of the inaccurate information, per 15 usc 1681s-2b and they have not deleted it which is a violation of the FCRA. I am requesting that they delete the information from my credit report.