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

Experian, Equifax and Transunion is violating this codes : Per 15 U.S.C. S 1681i ( a ) ( 1 ) ( A ) Per 15 U.S.C. S 1681s-2 ( a ) ( 3 ) XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$720.00} Status Open. {$90.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$1800.00} Status Account charged off. {$1800.00} written off. {$1800.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Discharged through Bankruptcy Chapter XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$0.00} Status Closed. {$12000.00} written off. 
XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$1300.00} Status Collection account. {$1300.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$1700.00} Status Collection account. {$1700.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1500.00} Status Collection account. {$1500.00} past due as of XX/XX/XXXX. 
Chapter XXXX bankruptcy discharged Under dispute Date Filed XX/XX/XXXX Court US BKPT CT XXXX  XXXX
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, NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  Balance XXXX {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

While attending XXXX  XXXX University in XXXX, GA as a XXXX in 1998, I applied for and received a XXXX XXXX credit card. After paying for some years, I was unable to keep up with my payments and my account went into default. XXXX XXXX referred my account to a collection company. 

Now, after more than 21 years, Aldrich Pite Haan LLP is trying to garnish my wages. They are requesting that I pay {$600.00} a month. I am unable to pay that as after paying my living expenses, I must help my elderly father ( XXXX years old ) who has XXXX XXXX. 

I have been told that the statues of limitations have run out. I would appreciate any help you can provide me with. Please advise me of my options. 

Thanking you in advance.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/year>
Product: Debt collection

on XX/XX/year> the company called me, when I answered all that was said is that the phone call was being recorded and asked if my husband was present. I asked who it was, and the guy said " XXXX XXXX '' and then I proceeded to ask with what company, which he responded " NorthStar Location Services '' which I am not aware of them having any debts of mine or my husbands. I then brought up that I am pretty sure they are required to disclose who they are when they call, and the guy got defensive and said they don't have to provide that information, only if it's requested. I asked them what it was about, and they said it was a private matter. All of our debts are shared. I told them that I had informed North Star in the past to stop calling me. He said he would lose my number, however I am not optimistic that this is going to happen. The phone number this came from was 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. 

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 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 card or prepaid card

I applied for an XXXX XXXX XXXX 1 year ago. XXXX chose American Express as the card company. I never used the card for any legitimate purpose. Nearly XXXX charges for $ XXXX {$5.00} were made over 4 months to a company which doesnt exist. Amex never once caught the fraud. They only called me to tell me to pay more late fees. When I spoke to their fraud department they agreed that it was a clear case of fraud and promised to fix the problem. Instead Amex after 6 months sent this to outside collection affecting my credit score. Amex will not allow me to speak to a supervisor and no longer even allows me to speak to the fraud division. XXXX has tried to speak to someone at Amex on my behalf but only to transfer me to the general division which is useless. They dont feel any obligation to help. Because Amex has no fraud detection and a fraud department with no customer service I am left to fending for myself.
Product: Credit reporting or other personal consumer reports

On or around XX/XX/XXXX i sent the Credit Bureau 's letters disputing the inaccurate information reporting on my credit report. They said that Conn 's verified the information as being correct. This account was dismissed in Bankruptcy so how could it be verified and it should be deleted immediately! Conn 's reported last payment activity was XX/XX/XXXX how could that be when in fact the account has been dismissed and closed since XX/XX/XXXX. That is Fraud and inaccurate reporting which is a violation of the Fair Credit Act! I will follow up with a class action lawsuit if this is not corrected effective immediately!
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and data breach with XXXX, Experian, XXXX, XXXX, XXXX, XXXX
Product: Debt collection

Fidelity Account Services called me on XX/XX/XXXX about an amount owed to a former college that I attended in XX/XX/XXXX/XX/XX/XXXX. I have never heard of this debt in fact I had received a refund when I withdrew. They sent me a barely readable form clearly showing my refund as well as an amount added for XX/XX/XXXX semester which I did not attend. i contacted the former college and they have no record of this being owed and show a refund given on my account. I do not know if this is a scam to collect money not owed.
Product: Credit reporting or other personal consumer reports

It has come to my attention that you are failing to REMOVE files upon receipt of an FTC fraud report. Should you opt not to eliminate the subsequent items listed below, which are inaccurately reported due to errors in credit reporting, I will be transferring my documents to my attorney to initiate legal action. My preference is to avoid legal proceedings, so I urge you to comply with the law. Kindly remove the following inquiries as they were opened without my consent or knowledge : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFAX : 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 XXXXXX/XX/XXXX. If you assert that these inquiries are 100 % accurate and verifiable, I require copies of any documentation associated with these inquiries and addresses bearing my signature, as I am aware of none. Without such documentation, bearing my signature, I formally request the immediate deletion of this information from the credit file associated with my Social Security number. Please be advised that you have XXXX business days to remove the reporting of any items in my credit file resulting from alleged errors in credit reporting. I do not consent to XXXX or any form of automated verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act XXXX Account XXXX ( original creditor XXXX XXXX XXXX XXXX XXXX ) # XXXXXXXX XXXX XXXX original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 15 USC 1681 Section 602 A States I have the 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 instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 
Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit IMPACT RECEIVABLES M XXXX XX/XX/2017 {$5500.00}
Product: Checking or savings account

I have wanted to open accounts with Wells Fargo which I had an account previously and all of the major banks XXXX XXXX XXXX XXXXXXXX ) and unable to open account due to fraud which was never committed. This information was reported to XXXX XXXX.
Product: Debt collection

Dear Madam/Sir, CFPB : On or About XX/XX/2020. I received a letter from a collection agency. On XX/XX/2020. I answer the debt collection company, And I let them know that as per State and Federal Laws. I need it the fallowing information. 1 ) Original Application with the original signature on it. 2 ) ALL, the Statements, bills, receives, in regards to the unknown credit card. 3 ) Collection agency NEVER send me the requested documentation, they only send me a black and white statement that looks fake and any one can printed from any system. 4 ) I ask the collection Agency to send me ALL the receives, and signatures of any purchases done on the unknown credit card. At Last I ask them to please not to contact me any more and to STOP, sending me the same letter and the same notification. The credit card its not mine and does not belongs to me either. Thank you. Respectfully yours : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To  Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXXXXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Product: Debt collection

this collectors name is XXXX XXXX XXXX. XXXX XXXX. i called them and asked them to dismiss charges on account as i have no knowledge of this account. It is identity theft i never opened it. Didnt get anywhere tith them could use your help getting this taken off of my credit report before id die of XXXX. My account is XXXX they are located in department XXXX XXXX XXXX , XXXX XXXX  ca. XXXX my phone for contact is XXXX the amount is for XXXX they are located headqrtrs is XXXX XXXX   XXXX XXXX va XXXX and there seperate mailing adress at bottom is in XXXX california which leads me to believe this is also sometime of phising scam. the lady on the phone sounded like a complete XXXX.
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

I wasn't told that the it would a 12 day wait for the check to clear the Bank to get the funds. Then I was told 7 day by XXXX XXXX XXXX  XXXX the XXXX XXXX. XXXX FROM the XXXX XXXX told me 12 day 's. So the please investigation my concerns about how Bank of the has 2 different policies for a deposit from another bank. I WAS GIVEN THE WRONG INFORMATION BY 3 DIFFERENT PEOPLE WHO WORKS FOR Bank of America
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to resolve a derogatory account on my credit report for months. I have called CBNA sears syw account multiple times and the company will not resolve my issue. When I call they say the account is flagged as fraud and they transfer me to fraud, when I speak to fraud they say it is not flagged as fraud and transfers me back the the same department I just spoke to. I have been going in this never ending circle for months. I am trying to purchase a house and this is the only negative account on my credit report and it must be resolved. How can you continue to report someone late every month while also refusing to take their payment or resolve the account? I need your help.
Product: Mortgage

On XX/XX/2010 I sent SPS a letter and a copy of my XXXX orders to XXXX requesting assistance under the SCRA. My interest rate with SPS was 6 3/4 of a percent and they reduced my interest rate down to a mere 6 %. This was not in the spirit of the program. A reduction of {$90.00} a month is not helpful for someone leaving a XXXX figure a year career in the civilian world to earn approximately $ XXXX a year by being recalled to XXXX. Most XXXX I knew received interest rates down to 2 % and I think that is respectable. To add insult to injury I never got a {$90.00} reduction to this date almost 7 years later. 

SPS failed to recalculate my payments to reflect the reduced interest rate. I never received the second portion of the SCRA, which calls for diminished monthly payments based upon the interest rate reduction. It appears to me that SPS gave me a portion of the loan interest rate savings because the interest-bearing principal was {$460000.00} and then there was a deferred principal of {$210000.00}. This is not consistent with 50 USC app section 527. To date I have not ever been given any reprise from SPS under the Service Members Civil Relief program. They sent me a letter stating that they did give me some reprise but the numbers do n't add up. They have sent me 3 sets of financials over the last 3 months and there simply is not a reduction of {$90.00} anywhere to be seen. If they give me a reduction why ca n't they prove it? Where is it? Did it go to the wrong account? These are just a few questions SPS should answer!
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is in regards to Closed auto account # XXXX. This is my first attempt to bring up the credit reporting inaccuracy to Chase. First of all, I would like to acknowledge this may have been a complete accident. I had recently paid off my auto loan in full, via a mail payment. I had some trouble for unknown reasons on the processing and acceptance of my payment at first. As the exhibits attached clearly demonstrate. On my first attempt, I had sent in my payment on the XXXX of XXXX via Certified mail. It is reported to have been received on the XXXX of XXXX at XXXX XXXX. Then on the XXXX of XXXX a letter was sent out by Chase denying my payment. I had sent my second attempt to Chase on XX/XX/XXXX which was indeed accepted. However the payment of XXXX was reported 30 Days late to the Credit Bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF FINANCIAL IDENTITY THEFT. I SENT COPIES OF MY OFFICIAL POLICE REPORT AND DISPUTE LETTERS OF THESE ACCOUNTS BY CERTIFIED MAIL SEVERAL TIMES TO THE CREDIT REPORTING AGENCIES, HOWEVER THE ACCOUNTS ARE STILL REPORTING WITH NO DELETION OF THESE FRAUDULENT ACCOUNTS. ACCORDING TO THE FAIR CREDIT REPORTING ACT I HAVE RIGHTS UNDER 15 USC 1681 THAT HAVE BEEN VIOLATED. THESE ACCOUNTS LISTED BELOW HAVE VIOLATED THE FOLLOWING LAWS LISTED BELOW XXXX XXXX XXXX IL XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # 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 : states a consumer reporting agency can not furnish an account without my written instruction. 

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, 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 or has reasonable cause to believe the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following accounts and inquiries from my credit report. As a victim of a recent data breach, I believe these accounts and inquiries may be linked to unauthorized activity, and I am exercising my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to protect my credit information from potential fraud. 
Accounts to Be Blocked and Deleted : XXXX XXXX - XXXX - XX/XX/XXXX - {$870.00} XXXX XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} Inquiries to Be Blocked and Deleted : XXXX XXXX XXXXXXXX - XX/XX/XXXXXXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX
Product: Debt collection

I received a collection XX/XX/XXXX on my credit report from a company IC SYSTEMS which claimed I owe {$210.00} to them from XXXX XXXX XXXX. I disputed this item XX/XX/XXXX informing XXXX credit bureau that this account was inaccurate this came back as verified through XXXX, which XXXX deleted as inaccurate on XX/XX/XXXX. XXXX came back as verified on XX/XX/XXXX. I then submitted a second letter asking for verification documents on my signature and contract. Once again came back as verified with no proof of such verification on XX/XX/XXXX.