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

Consumer Name : XXXX XXXX, Consumer SSN : XXXX, Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an account opened at XXXX XXXX on XX/XX/XXXX. This account has resulted in a fraudulent account appearing on my consumer FICO credit report. I've attached documents with the account in question maintained by you which shows the aforementioned fraudulent item. I do not recognize the aforementioned account as reported. The aforementioned account on my credit report maintained by you were not opened, made, or initiated by me. The aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that the aforementioned consumer credit account is the result of identity theft.
Product: Checking or savings account

I submitted a debit card fraud claim with CitiBank on XX/XX/XXXX for the amount of {$4100.00}. ( XXXX ) CitiBank denied my claim on XX/XX/XXXX without any specific reason. Also, there was no response after I submitted an appeal for the claim decision.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX of CA incorrectly has listed XXXX debts per credit bureau. Despite my certified letter to them dated XXXX/XXXX/XXXX, they have failed to validate the many debts and keep incorrectly reporting them to the XXXX credit union. Their lack of response is greatly effecting my ability to get a HELOC loan of which I am in need.
Product: Credit card or prepaid card

JEFFERSON CAPITAL SYSTEM has placed a derogatory account on my credit report. I sent for the debt to be verified as I have never done business with this company before. After I disputed the information it came back as validated but I was not provided an explanation of how the debt was validated. The company is also showing that the account is open and active and that is incorrect as well. I have never opened an account with them and it is inaccurately reporting on my credit report resulting in a lower credit profile.
Product: Debt collection

XX/XX/2023 Conns HomePlus called : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XX/XX/2023 Conns HomePlus called : XXXX XXXX, XXXX XXXX, XX/XX/2023 Conns HomePlus called : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XX/XX/2023 Conns Home Plus called : XXXX XXXX XXXX XXXX XX/XX/2023 Conns Home Plus called : XXXX XXXX, XXXX XXXX, XXXX XXXX, XX/XX/2023 Conns Home Plus called : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX No action has been taken by the company as I have asked to not be called multiple times. I am now receiving calls from personal cell phones ; however, I can not factually identify at this time if the individuals calling me are directly correlated to the business in regards to debt collection. I can say that I receive phone calls within moments of declining ConnsHome Plus phone calls while working. I can say that the individuals that do call simply wait for my answer and hang up. I do have to answer personal cell phone numbers as I am working within the community. This is an abuse of power and I have kindly asked to not be contacted while working.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name XXXX XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : 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. 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.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

i had call wells fargo bank back when i get hurt at my job  XX/XX/XXXX  but i call around  XXXX / XXXX / XXXX  to tell i get hurt on the job if i can have a do payment plan bacause i was work 's comp i could n't paid the full payment they said i could n't do have payment plan i told i would what give sent   XXXX   or money i had Then start they never sent me letter until resent harassment me by leaving note on door later at nigh  XXXX    XX/XX/XXXX  and    XX/XX/XXXX  then call wells fargo talk to   XXXX   XXXX   she rude to me then said she did n't care what kind of problem or injury i had to paid my credit card that 's my problem i tell have do n't have job that i was injury she said you get to paid it that 's your problem!!! I told them i try work out payment plan they didnt want when i call first time i get hurt Now they come to my house some person give me letter  XX/XX/XXXX  saying the letter sued me for defendants accessed the line of credit not paid case number  XXXX  which have paid  XXXX  when extra money now they are taken me to court i am still work 's comp i lost my sister  XXXX  ago i help paid for funeral then mother before my sister i i had the money i would my bills do n't money i did n't job i am injury i lost everything!!! My another credit card i sent what i can Please let me know what they said My email is  XXXX  XXXX  XXXX  Thank You for please me  XXXX   XXXX   XXXX
Product: Mortgage

After initial contact, I asked the originator if they had financial products that fit my situation. Specifically, I was looking for a low down payment jumbo ( over $ XXXX ) loans ( non-FHA ). His response was that they have loans with the down-payment as low as XXXX % that are non FHA loans. However, after a hard credit pull it turned out they do n't anything like that. They only offer conforming ( under $ XXXX ) loans with % XXXX down-payment or Jumbo with XXXX % down-payment. 
After all the lies, my XXXX credit score took a hit for nothing.
Product: Student loan

I am getting 15-20+ calls a week from Sallie Mae about my loan that is behind that I spoke to someone about last month and thought I was back on track. I am being harassed on a daily basis. Last week I was called on : XX/XX/XXXX : XXXX, XXXX, XXXX, XXXX XX/XX/XXXX : XXXX, XXXX ; XXXX, XXXX XX/XX/XXXX : XXXX, XXXX, XXXX XX/XX/XXXX : XXXX, XXXX, XXXX, XX/XX/XXXX : XXXX, XXXX, XXXX, XX/XX/XXXX : XXXX, XX/XX/XXXX : XXXX Yesterday XX/XX/XXXX : XXXX, XXXX, XXXX, XXXX, XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX : XX/XX/XXXX Equifax Information Services, LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX, GA XXXX ( XXXX ) XXXX XX/XX/XXXX Dear Equifax, I am writing to dispute the following information that appears on my Equifax consumer report : Dispute 1 Account Number : XXXX Source of dispute information : XXXX XXXX XXXX XXXX Type of disputed information : Auto Loan Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 

Dispute 2 Account Number : XXXX Source of dispute information : XXXX XXXX XXXX Type of disputed information : Collection Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 
Dispute 3 Account Number : XXXX Source of dispute information : XXXX XXXX XXXX Type of disputed information : Collection Dates associated with item being disputed : XXXX XXXX, XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 

INQUIRIES : Inquiry Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX I have attached a copy of my report with the accounts in question circled. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have now sent disputes to Equifax, XXXX and XXXX to remove the bankruptcy off of my credit as the court does not report to the bureaus and that is fraudulent and the only agency that removed it was XXXX. I have a printed paper from the court that explicitly says they do not report to the Credit reporting agencies which means that they are committing fraud and possible identity theft. I also sent disputes about other discrepancies on my reports which some of have been changed which proves that there was not accurate reporting being done at all. Per the FCRA they are to report accurate and fair and this has not been done. I want to be paid {$1000.00} per violation of inaccurate reporting per the law.
Product: Credit card or prepaid card

Starting XXXX of XXXX, I decided to not use my XXXX Credit Card and start making payments in order to reduce my balance on my XXXX card. At the time that I started paying payments I decided to pay some amount over the minimum requirement. The amount of monthly payments I made was {$200.00} ( approximately {$45.00} over minimum amount at the time ) on the due date. Every time the payment is due and when XXXX received my payment they sent emails reminding the due date and then confirming receipt of my payments, in which, they never mentioned that my auto pay has fallen under minimum payment required or any mention of late payments due to such change in my account. Since the payments were done automatically from my checking account, I thought I am on track to reduce my balance on my card. My payments were due on the XXXX of each month. Apparently, because of XXXX of XXXX holidays in XXXX,  XXXX had received my payment on the XXXX of the month and that triggered the increase in my payments without any notice from XXXX XXXX. They just accumulated the interest and late charges each and every month and charged me late payment fees and about XXXX % of interest on the total balance on my card. I did n't receive a courtesy call or a notification that my payments have fallen under minimum payment and charges are being accumulated in my account without any additional purchases and/or charges from my part. I have not used their card from early XXXX till today. I had to payoff some of my credit cards in order to qualify for a new home loan and that 's when I found out about the charges being accumulated in my account without any notice or courtesy calls. I followed up with the XXXX XXXX and after talking to the managers and representatives and explaining that if the payment is late for one week, I would receive numerous phone calls reminding me of such, however, there was no warning letters, emails or phone calls to remind me of such discrepancy. After following up with the XXXX cards and making many phone calls I could not resolve the issue with them. XXXX finally concluded that the charges are valid and they will not issue any credit toward late charges and/or interest charged on such late charges. In my opinion, these are fraudulent charges with no merit. A credit card with no activities for almost a year and a half should NOT have a higher balance than when I started making $ XXXX monthly payments. They only act to their own benefit without any consideration or regards for their card holders.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Collection Services reported a fraud account in the amount of {$1800.00} from XXXX to my credit reports on XX/XX/2022. I have asked this company via certified mail and disputed the credit bureaus to send the original application, that shows the signature, date signed, address and account number. Credit Collection Services has failed to respond to any validation and dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my previous letters, 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 XXXX 's XXXX data breach. I submitted all the required documents per XXXX 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 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 XXXXXX/XX/XXXX
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  Account, Account # : XXXX Account name : XXXX XXXX XXXX Account # : XXXX Account name : XXXX 'S XXXX Account # : XXXX, has violated my rights.
Product: Credit reporting or other personal consumer reports

I paid off these accounts and they are still reporting on my credit report. 
XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX Citicards XXXX  Account XXXX XXXXXXXX XXXX XXXX Account # XXXX
Product: Debt collection

I DO NOT KNOW WHO : CENTRAL CREDIT SERVICE ACCT XXXX {$690.00} XXXX XXXX XXXX XXXX XXXX, FL XXXX I CALLD BUT SOME MALE FROM SOME XXXX PICKED UP TRYING TO ASK FOR MY PERSONAL INFO. 

THIS IS A HUGE SCAM!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

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, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX {$340.00} XXXX XXXX XXXX XXXX  XXXX {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX {$540.00} XXXXXXXX XXXX XXXX XXXX XXXX {$11000.00} FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.
Product: Debt collection

They never sent me a letter to acknowledge they were taking over a debt, never attempted to contact me to try to settle the debt. No letters. No calls. Nothing. Just hit my credit for 2 months and counting. I disputed my credit report because they are supposed to notify me but no action was taken.
Product: Checking or savings account

Prior to opening this account I had asked many agents if I would qualify for this bonus and if there were any accounts open in the past that would prevent the bonus from being applied. Everyone advised me that I was eligible. Then after the account was opened many managers and reps started to say that my direct deposit did not qualify and that the account would not recieve the bonus. After attempting to escalate this concern to the highest level I did not get a resolution. An manager agreed to review the calls to validate my concerns but never got back to me with the resolution and had mentioned that she would request to have my bonus applied to the account. Then there was some back office team that tried to change the story and said the actual reason I did not get the bonus was because of some previous account that was opened within the time period that would not qualify for the bonus. This was never mentioned to me before during and after the account was open. The bonus was {$400.00}
Product: Money transfer, virtual currency, or money service

Scammed {$70.00} via XXXX through navy federal credit union and was not able to file a claim
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrong credit score by hundreds of points Im getting letters denying me of things I didnt apply for this is coming from consumer reporting agency & imfis incorrect I havent been late on any of my accounts & some accounts are popping up that are not mine Im not getting any positive reports
Product: Credit reporting, credit repair services, or other personal consumer reports

In reference to CFPB Complaint XXXX - Equifax is still reporting the accounts however in the ( complaint XXXX ) response they claimed where not reporting this inaccurate reporting. SEE ATTACHED STATEMENT CFPB - EQUIFAX LETTER XX/XX/2022 ; SEE ATTACHED EQUIFAX CREDIT REPORT AS PROOF OF THE FACTS
Product: Credit reporting or other personal consumer reports

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 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 has violated my rights. 

I looked at my XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX XXXX XXXX ( XXXX ) ( b ). 

And according to XXXX XXXX XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to XXXX XXXX XXXX they are suppose to 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 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  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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 XXXX 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 or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me 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/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. 

As stated in my original letter, the address listed below are not associated with my residence history and must be removed : XXXX XXXX XXXX, XXXX XXXX XXXX, NY, XXXX & XXXX XXXX XXXX, XXXX XXXX XXXX, NY, XXXX To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, New York XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate XXXX XXXX and validate my identity. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes. 

I kindly request the following : 1. Immediate removal of the erroneous address from my credit report.

2. An updated credit report reflecting the corrected information.

3. Written confirmation of the actions taken to resolve this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

These creditors are in direct violation of my consumer rights and it's AFFECTING my character as I ambeing violated. Please remove these unknown items listed in this report ASAP or I will be force to pursueother options. According to 15 US Code 1681B I didn't give any permission to anyone or approval for mycredit to be assainated the way it's being attacked. This information isn't fair or accurate, in addition pleasedelete and remove permanently the address and inquires that is also in violation ADDRESS XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX. THISINFO IS ALSO INACCURATE & UNFAIR ACCORDING TO 15 US CODE 1681B. INQUIRY XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX XXXX, XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX  ( XXXX ) Credit Card Opened by the Thief Company or Organization : XXXX  XXXX Account Number : XXXX