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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX/www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$150.00} ; XXXX XXXX XXXX  XXXX Balance : {$7700.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$560.00} ; ( Original Creditor : XXXX ) XXXX Balance : {$360.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
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. 
I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX 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 XXXXXXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST TO whom it may concern, I am writing to advise that I am a victim of XXXX The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Accounts that are being challenged : XXXX XXXX Account number # XXXX XXXX XXXXXXXX XXXXXXXX XXXX  Account number # XXXX DEPT OF EDUCATIONXXXX account XXXX XXXX DEPT OF EDUCATION/XXXX  account XXXX XXXXXXXX DEPT OF EDUCATION/XXXX account XXXX XXXXXXXX DEPT OF EDUCATION/XXXX account XXXX XXXXXXXX DEPT OF EDUCATIONXXXX account XXXX XXXX DEPT OF EDUCATION/XXXX  account XXXX XXXXXXXX DEPT OF EDUCATION/XXXX account XXXX XXXXXXXX DEPT OF EDUCATION/XXXX account XXXX XXXXXXXX DEPT OF EDUCATION/XXXX account XXXX XXXX DEPT OF EDUCATION/XXXX account XXXX  XXXX DEPT OF EDUCATION/XXXX account XXXX XXXXXXXX DEPT OF EDUCATION/XXXX account XXXX XXXXXXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS , PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX IN PERSONS OR XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 | DOCKET NO. XXXX | XXXX XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Checking or savings account

On XX/XX/20 I received a letter via US Mail from Chase Bank telling me that on XX/XX/20 they have closed all of my long time accounts with them. The letter does not list a reason. I called their Compliance Unit at the phone number given and was told that they will not tell me the reason that my accounts were closed. I had two checking accounts, one savings account and one Trust account with Chase Bank and all have very high balances. No bad checks and no outstanding fees. Total balance in all accounts is {$970000.00}. I have been with Chase years since when my accounts were carried over from WaMu. All of my life savings are tied up at Chase. Including my SSI direct deposit. This situation has created a hardship for me. I was thinking about moving my money to XXXX XXXX but after doing some research I find that CFPB is investigating them for doing the same exact thing that Chase is doing to me.
Product: Credit card or prepaid card

To whom it may concern I disputed Wells Fargo XXXX XXXX the original dispute was included in bankruptcy was not added to XXXX XXXX XXXX XXXX. You claim the information was added i revised the credit report with a new credit report the information is still not there which put you in FCRA i demand that you remove this account in its entirety I asked you to review XXXX credit report that is uploaded and circle where do you see included in bankruptcy! 
Also you failed to notify the bureaus that consumer disputes!! Is another violation of the FCRA. 
Per the reporting agencies there was a updated done by you and you failed to note the account as consumer dispute. 


Also the account was open on XX/XX/2017 the payment history is incomplete which is another violation of the FCRA based on the credit report Wells Fargo I dont want to sue you for XXXX in FCRA violation but I will if I have too FCRA states consumer credit report must be 100 % accurate and verified remove the account from XXXX XXXX and XXXX immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and at XXXX weeks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at the time. We filed bankruptcy in response to the overwhelming debt we incurred during this difficult period of XXXX stays XXXX miles from home. This last year, XXXX I was finally diagnosed with XXXX. We struggled with our mortgage. We tried to find relief within the company XXXX XXXX with no luck or response or severely delayed response and we eventually received help outside of their company. In XXXX, we were served with foreclosure paperwork even though I had a health letter from my doctor stating I could not work. My husband and I also kept up communications when payments, although late, were coming. Knowing we had help coming in we were served. We came up with {$8000.00} to pull ourselves out before the due date was up. Conveniently, that due date was before our help was set to arrive. {$8000.00} was XXXX XX/XX/XXXX. Catching us up. 3 more payments were issued to XXXX  in XXXX. See attached letter. XXXX  XXXX has consistently reported inaccurately if at all the last XXXX years. Please see attached reporting. We have never had accurate information and in fact I requested that our mortgage be reported accurately early XXXX. We knew we wanted to sell, work on our debt since we were receiving relief and obtain a mortgage that was affordable, in, XXXX  where the health care and heat ( weather ) better fit my health demands. We found a lender willing to work with us and we got almost to closing and XXXX XXXX  had not been reporting correctly and now reporting something different again. XXXX from XXXX  said that we were on time from XXXX. Which actually since mortgage is paid ahead would have been XXXX. In all reality, we had no idea because reporting wasn't reported at all, or reported differently across the board. Since everything has fallen through we have lived in a hotel, had to put everything in storage and finally got into a rental. My husband had to go back to work in XXXX  since you can't change jobs before buying. He will still there until we can buy, away from our family with XXXX children and me with XXXX. I am the sole caretaker and I need my own caretaker. If XXXX XXXX were reporting correctly our lender and us would have known before trying to obtain a loan. The facts our we needed help. We received help from an outside help and we worked very hard to relieve ourselves from debt and make every penny helpXXXX XXXX XXXX is paid in full and our family is separated and states away from each other. At the end of the day had my lender pulled credit and the reporting was there and correct, we wouldn't be in this situation. The credit and reporting has constantly changed, we have no idea what was/is accurate. The credit supplement pulled XX/XX/XXXX didn't show a late in XXXX or XXXX, they show it as a regular payment but an XXXX shows a 90 day late but with a regular payment. Then the report has changed sine and before then. All attached.
Product: Credit card

Earlier this month, I set up an electronic payment from my primary checking account to make a payment on a Citi Visa card prior to the due date. I then received an email letting me know I had a secure message online ( after the due date ). I logged into my account and found a letter ( PDF ) stating that the payment was never made. In this letter, Citi had my correct routing number but my checking account number was missing XXXX digit. To correct the issue, I first tried to re-enter my correct checking account information, which Citi would n't accept since they said they already had this checking account on file. I then tried to delete the checking account information to re-enter it, but I was locked out from making changes to my banking information online. So I then contacted Citi again asking them how I should proceed. I then received another email letting me know that there was a secure message online. But when I logged into my account this time there was no letter ( PDF ) or electronic message. I also noticed that I was assessed a {$25.00} fee ( for a returned check ). And, just now, I received an email letting me know that Citi reviewed this account and lowered my credit limit by more than {$1000.00} to the point that this card is essentially maxed out. 

I feel like I am either being punished for noting an error on the part of Citi that they are trying to cover up. Or that Citi used this error ( or prompted this error ) to create a situation where I would unknowingly be late on a payment just to lower my credit limit and thus negatively impact my credit score.
Product: Credit reporting or other personal consumer reports

I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureau failed to investigate all collection debts and send me physical proof that the alleged collections was 100 % factual and accurate. The investigation also took longer than 30 days.
Product: Credit card

On or around XXXX someone stole my credit card and started making fraudulent transactions. I became aware of this in XXXX, and I notified TARGET/TD BANK N.A of this matter. They initially credited my account but soon after reversed the correction stating that I made payments to the card. They also said that they verified me through public records with my phone calling in to make those payments. I did not authorize or allow anyone to use my credit card. They also closed my card without reason stating that I did not make payments on these fraudulent transactions. the total of this fraudulent amount is {$7500.00} these transactions started on XX/XX/XXXX and ended on XX/XX/XXXX. I filed a dispute with them on XX/XX/XXXX and then I followed up with an appeal on XX/XX/XXXX. They have since then closed my account and continue to charge interest on a balance that I did not create.
Product: Credit reporting or other personal consumer reports

I am Inquiring about the Validy of XXXX XXXX XXXX XXXX XXXX that is Charged off on my Credit reports that is Constantly Misreporting Inaccuracies this account has been on my report 7 years and charged off 4 years every month, Misreporting Active Payment History, Late inconsistent Balance Reporting, Reaging Debt due to stature of Imitation, unlawful Changes in Deliquency Dates which is violation of my Rights under FCRA 15U.S.Code1681.i am Demanding a Deletion of Consumer XXXX off My Credit Report
Product: Debt collection

Caine weiner is a debt buyer thats trying to collect on a debt that was already removed from my credit
Product: Credit card

I applied for a Best Buy credit card with Citi Bank and got approved for it then I accidentally closed the tab that had the application and tried reopening it, but it prompt me to put my information again which I did thinking I would be able to see my application stats, but in realty it sent another application and told me to wait a few days to get a reposed. So I wait and get an email that denied my already approved application that I got the first time stating " Duplicate application found '' and got denied and I've been trying to get in touch with someone but I just can't get pass their automatic bots and it requested I put in my information again and I did thinking to look up my stats or get some help from someone but it sent another application and I don't what any more needless hard pulls on my credit.
Product: Debt collection

Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I worked for XXXX XXXX XXXX and also lived on property. I moved into the apartment in XX/XX/XXXX. I moved out of the apartment in XX/XX/XXXX. 
The carpet was damaged when I moved into the apartment and the manager wanted to replace it. I told her not to replace the carpet and we agreed that if she didnt replaced it, I wouldnt be charged upon move out. Unfortunately, she no longer worked there by the time I moved out and I was charged anyway. In XXXX of XXXX, XXXX XXXX XXXX turned over the account to XXXX XXXX, a collection agency. I told XXXX about the situation multiple times and the account has not been removed from my credit. I do have documentation showing the agreement made, on my move in/out inventory condition form. Even without this documentation though, the life span of carpet is typically 5 years. My carpet was older than 3 years when I moved in. I resided there for over 2 years. I shouldnt have been charged for a full carpet replacement at all. Although, I feel XXXX owes me money back for my deposit, that is not my main concern. I would like the account to be removed from my credit report and to be free and clear of these charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a dispute with the credit bureaus, all 3 have reported my score dropping 33 points between XX/XX/2018 and XX/XX/2018 when I checked it. 
Not one of them could tell me the event that caused it. Have yet to hear back from them and it has already been 3 weeks.

The credit bureaus are telling me to contact Capital ONe, Capital ONe is saying it is the credit bureaus fault and in the meantime I am not getting any answers from either one. 

My credit report with XXXX  showed that on XX/XX/2018 Capital ONe did a credit inquiry without my consent or knowledge. Subsequently the very next day they closed my account without my consent or knowledge. They have since reopened it sometime later to cover up their mistake. This is the only event that could have caused my credit score to drop. 
Capital One has denied doing this and suspiciously right after I filed the initial dispute on XX/XX/XXXX, all of a sudden I can not view this information on my credit report any more.
Product: Credit card

Ive attempted to use my credit card ending in XXXX with Continental Finance, however, charges are declined recently and in the past when there is more then enough available credit. This is a fairly new card, I suspect the rep ( s ) I spoke to activate did not in fact activate the card. Its also possible they will not activate card due to a payment being due, I had a previous experience in attempting to order a new card, reps would not order due to a payment being due. I need card activated and or ab ability to make purchases
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. XXXX XXXX XXXX XXXX XXXX XXXXXXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXXXXXX, etc., and so on!
Product: Debt collection

I have purchased a car from XXXX in XX/XX/XXXX.  My car was repossessed in XX/XX/XXXX. My loan term was originally 60 months and now it is showing 80 months. I fell on hard time because of a job layoff. Since my car has been repossessed I have not gotten any written documentation from Santander about where my car was taken and what the next steps were and where to go to get my personal belongings from the car. I have contacted Santander asking for validation of my debt on XX/XX/XXXX and was told they would send me a copy of my contract within 10 business days which I still have not yet received. Upon checking my credit report there is an address listed that I have never lived at nor do I know where it is located. My credit report changes every month on the amount I owe Santander. The status one month it will show XXXX and the next month it will show XXXX and now it is showing a balance of XXXX, it will also show write off due to bad debt and then it will be changed to late payment and now it is showing closed/ charged off account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I had a credit card from Discover and in XXXX attempted to make a payment over the phone to a representative and gave him my account number and he confirm the payment. I was under the impression that my payment went through as the representative said that it went through. A couple weeks later I got an email from Discover stating that my payment was not able to be found with the account number. And because of that as you can see on my credit report that my payment was 60 days late. I attempted to make a payment as Discover told me that I called and spoke to a rep on XX/XX/XXXX which is about two weeks before the closing cycle. I made the attempt to make the payment and gave the accurate information to the representative and it is not fair that as a borrower I am paying the consequences of a late payment which I tried to make. I am not accusing the representative over the phone of putting a wrong Account number in but Im saying that Errors do happened in these types of Computer related transactions. I tried to dispute this in XXXX but I had no success as I dont believe that experience really went into debt to really understand what exactly happened on that day because after going into much detail today after calling I found out new information that the account number that I used to pay my bill was ending in the last XXXX digits of XXXX. This is kind of ironic because my account number ends the last XXXX in XXXX. I know that there was a mistake made and I have not changed my account number since and with this new information I strongly can confirm that a typo was made or a system had a glitch. You can see as clear as day that I attempted to make a payment and that is on their call log. Unfortunately they are not able to pull the call from the representative or from the manager at the current moment because the first rep the call can not be found and the second call with the manager he know is no longer with the company and it is not able to be pulled by a general consumer. This small late payment on my credit has really made life hard for me. And dont think its fair that I am paying the price an error on discover. I am even more disappointed that XXXX decided to open an investigation and not dig a bit deeper into the actual situation to confirm what actually happened. Because if they did actually look into it and pull the calls which most likely were not done due to the fact that theyre not available to the general public. Then it would be very apparent that I made an attempt to make the payment and I did give the correct information over the phone and the only reason that it was late was because there was an error in the payment that was made.
Product: Credit card or prepaid card

In XX/XX/2021 i asked for info on a late payment witch i clamed was never late. after finishing my tearms with them it was closed but a late payment is on my consumer reports hurting me from getting credit.in valation of my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans union allowed XXXX XXXX XXXX XXXX to pull my credit report a number of times with out permission purpose or a legitimate need to obtain a copy of my credit report. XXXX XXXX XXXX XXXX closed and stop all further collections on an account that they had last year due to the debt being Exempt from debt collection for being on Social Security XXXX for life. since they closed the account and stop all collections on this account they have no permission purpose under The Fair Credit Reporting Act ( FCRA ) to pull my credit report for account reviews when they have no account that is open to collections from me If you stop all further collection and closed the account you have no right to review my credit report on a closed account unless you are still trying to collect on exempt funds
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.