23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have this police report where I stated that I lost my bag with my cards & IDs inside. I am a victim of identity theft. The fraud activity was made on XX/XX/2013 with a balance of {$3400.00}.
Product: Debt collection

I am writing to formally dispute inaccurate information contained in my consumer report, as provided by your agency. This request is made pursuant to 15 U.S. Code 1681c, which outlines the requirements for the exclusion of certain types of information from consumer reports.

According to 15 U.S. Code 1681c, consumer reporting agencies are prohibited from including the following items of information
in consumer reports : Cases under title 11 or under the Bankruptcy Act that are more than 10 years old.

Civil suits, civil judgments, and records of arrest that are more than seven years old or beyond the statute of limitations, whichever is longer.

Paid tax liens that are more than seven years old.

Accounts placed for collection or charged to profit and loss that are more than seven years old.

Any other adverse item of information, other than records of convictions of crimes, that is more than seven years old1.

I believe that my consumer report contains the following inaccurate information that should be excluded under these provisions : [ Describe the specific inaccurate information, such as outdated bankruptcy cases, old civil judgments, etc. ] [ Provide any evidence or documentation that supports your claim of inaccuracy. ] I request that you immediately investigate this matter and remove the inaccurate information from my consumer report. Additionally, I request a written confirmation of the actions taken to address this issue.

Failure to address this issue promptly will result in a formal complaint being filed with the appropriate regulatory authorities, including the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ).

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

This is my second time writing you to update my personal information. I submitted a dispute on XX/XX/2022 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : First & Last Name 2. My Address : Address, City, State Zip Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX, XXXX SSN : XXXX Address : XXXXXXXX XXXX XXXX  XXXX NY XXXX
Product: Debt collection

company continues to call several times a day starting from XX/XX/2018 at least 5 or 6 times a day Conns Furniture Store
Product: Credit reporting or other personal consumer reports

DISPUTING INQUIRIES ONLY please delete and remove the following inquiries from my credit prole due to right to privacy PREVIOUSLY DISPUTED INQUIRIES ONLY NO PERSONAL ACCOUNTS SEVERAL TIMES AND THEY REFUSED TO REMOVE THE INQUIRIES. I didn't receive any personal extended credit from the agencies below : XXXX : XXXX ) XXXX XXXX ) REPRISE FINANCIALWEBB. EQUIFAX : XXXX ) XXXX XXXX ) XXXXXXXX XXXX XXXXXXXX : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I disputed the credit inquiries by phone and online WITH EACH credit BUREAU BEFORE I led THIS adavit. Credit bureaus have failed to remove the disputed information leaving me no other choice but to le this adavit. The credit consumer agencies HAVE violated my rights BEFORE WITHOUT PROPER OPTIONS I EXHAUSTED ALL MY remedies when disputing incorrect information from the credit prole other than to report to consumer protection agencies. CREDIT AGIENCIES ONLINE DISPUTE PORTALS DO NOT WORK SOME WILL NOT LET YOU EVEN DISPUTE BY PHONE OR ONLINE.
Product: Checking or savings account

One morning I woke up and chase decided to close my account for no apparent reason! I use this account for my work check deposits and that is the only thing I use for this account! I dont write checks or deposits any physical checks all checks come directly from my job and I work at a XXXX. They wont even inform me why they are closing my account they are just closing it and wont even provide me any information.
Product: Mortgage

my first loan was Indy/mac XXXX. Then it went to XXXX XXXX which was a loan modification company. Then it was transferred to XXXX another loan modification company. I was paying XXXX dollars a month. In XXXX XXXX I had XXXX XXXX XXXX and had to stop work for nine months but I was making my XXXX dollar payments to nationwide. In XX/XX/XXXX IndyMac /XXXX sent a letter stating I was to pay XXXX in three payments for taxes on the property which I paid and then gave them another XXXX check toward the past-due loan which came my father 's estate upon his death. Then in XXXX I had XXXX from XXXX and was out of work. I then retired XX/XX/XXXX. I was still paying the loan modification company. During this time my wife left and now I 'm divorced. I am also dealing with the VA over the XXXX XXXX that prompted the XXXX XXXX. Next thing I knew I was dealing with OCWEN which is the bank that IndyMac/XXXX transferred my original loan to OCWEN had sent me loan modification papers that required filled out over and over again .One major thing they messed up on was the property address which was different from mailing address. There are XXXX XXXX XXXX XXXX. XXXX is XXXX XXXX and XXXX XXXX which was in the low income area. They continually used the XXXX XXXX as the property address. They had pictures of the wrong house. This went on for months. It seemed like they were stalling toward resolution. When they finally came to a resolution, they wanted me to pay {$280000.00} the loan # XXXX. The amount left on loan before all this started was {$180000.00}. I have been trying to settle this and it has dragged out 24 months. I 'm now dealing with XXXX XXXX Cause I filed a complaint against XXXX for Quiet Title I am the Plaintiff in XXXX County Supreme court index # XXXX well Eyes were raised and OCWEN still wo n't deal I offered to a loan Mod of XXXX at 2 % for 30 years I have not heard maybe you can shake them up cause I do n't get answered. XXXX as far as me, I am A XXXX vet with XXXX and they messed up my credit and I 'm not stopping till OCWEN is stopped the house is worth XXXX and I 've got XXXX in pension money before I retired. I stating this is all true against OCWEN and XXXX
Product: Debt collection

I was notified in XX/XX/XXXX by XXXX that this this collection agency reported to XXXX Date reported : XX/XX/2015 Reporting Agency XXXX Company : EPN INC/CHECKNET Account Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Balance : {$100.00}. Telephone : XXXX Type : Collection Services - Miscellaneous Company Bureau ID : XXXX immediately called this company the same day and they could not locate me in their data base. They had no current address and had an address on me when I lived in XXXX and no current phone number. I moved from XXXX over XXXX years ago. I gave them the current address and current phone number. This collection agency informed me that the XXXX supplies have been lost in the mail and that I owed XXXX dollars. I was forced to paid this account off because they were also reporting to XXXX. 

I had no way of knowing this had occurred and feel I was not notified by this collection agency in time or given sufficient time to pay this off or handle this account. If privacy assist had not notified me of XXXX reporting I would never had known. I also noticed when I went to view the initial posting in early XX/XX/XXXX certain information were not there on XXXX such as my current address address and that the reporting agency made the report to XXXX in XXXX 2015 during this time I lived in XXXX 

XXXX has XXXX back to clean up its tracks because I reported their negligence and harmful actions to the consumer protection agency. I had credit score over XXXX in XXXX and now XXXX has dropped my credit score to XXXX from XXXX reported today XXXX/XXXX/2015 my new address in XXXX. XXXX also have added to my account that the collection agency reported this to them in XXXX 2015 which I had no notification on from the collection agency. If that was true then XXXX would have notified me. There is no reason for XXXX to hold onto a collection and just now posting it because they are just receiving it from a collection agency that did not try to locate me or give me sufficient time to make payments if so. 

I complain that 1. The collection action did in fact fail in their policies to contact me and did not have my name or records on file just a XXXX address. 

complaint no. 2. XXXX has backed track to cover their tracks and placed false information on my credit report to the fact that they ( XXXX ) received the discrepancy in XXXX 2015 because they ( XXXX ) was reported to the Consumer protection. 
Complaint 3 : The collection company should have called XXXX and XXXX and notified them of the discrepancy in my personal information that I had paid XXXX immediately upon being informed of the collection. 

I feel I am due a refund from the collection agency because I never received any supplies as I have told them AND the XXXX harmful remarks about collections removed from my XXXX and XXXX. 

Thank youXXXX XXXX XXXXXXXX
Product: Payday loan, title loan, or personal loan

Lonestar title loans keeps harrasing us and calling our references and harrasing them after I have told them multiple times we are not able to pay back the loan due to loss of employment. I've advised them on XX/XX/2019 at XXXX for the 20th time they can come get the car and where it is located and they stated they don't want the car and they are gon na continue to call and harrasing until we pay and that the calls will not stop to us or the refs.
Product: Credit reporting or other personal consumer reports

I have been disputing these negative items on my consumer report to no avail, I've requested the credit reporting agencies to send me proof that validates this debt is mine. I have yet to receive any response let alone proof or the proper documentation. I was told that I could file a complaint with the CFPB and you guys would be able to help me in this matter. 

I have attached the letters and the accounts that I am requesting to be removed down below in the attachments section
Product: Debt collection

AFNI collection agency has reported an account to the Credit Bureau as being delinquent and in collections. This company has not attempted to contact me VIA telephone nor US mail. The address they have on file I never lived at. They have not validated this debt with me. The original account was with XXXX XXXX XXXX and after reviewing the police report and Identity theft affidavit they determined that this was not my responsibility I am currently with XXXX XXXX XXXX and account is in good standing. Would a company allow me to continue to have services if I have an old balance. They are in violation of The Fair Credit Reporting Act. This is not fair to me as a consumer. Please do not share any of my contact information with this company.
Product: Debt collection

I was recently taken to arbitration by a third party LLC company who apparently bought my debt of {$4900.00} from Citibank for an unspecified amount. I represented myself and indicated that not having signed any agreement with XXXX XXXX XXXX XXXX but was informed that it is a legal. Would you please confirm if this is legal and what options I have to have this third party cease from pursuing this claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed an inaccurate ( fraudulent ) account showing on my credit report. 
XXXX XXXX XXXX is an account that does not belong to me. 
Submitted dispute to experian and it stated it was removed. 
This account is not mine, because I have not had XXXX  services. This account states it was opened XX/XX/2019. 
It is still being reported by Transunion and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 USC 1681 E ( B ). I am entitled to an accurate consumer report. I have disputed these accounts numerous of time and they return as verified. Now, In the State of Georgia the Statute of limitations on a written contract in the State of Georgia is 6 years. This account must be removed off my consumer report immediately. Capital One Allegedly {$4700.00} high balance. XXXX XXXX owed XXXX. This account must be Deleted immediately. I will file for remedy for reporting inaccurate information on my consumer report.
Product: Checking or savings account

On XX/XX/XXXX, I initiated a refund request from XXXX XXXX, the company developing my mobile application. I asked the merchant for documentation to verify their business address or license, but I received no response, leading me to suspect potential fraudulent activity. Consequently, I contacted Chase to dispute the transaction, resulting in a temporary credit of {$2300.00} on XX/XX/XXXX. I informed the merchant that I was canceling the project until I could afford the insurance. However, the merchant claimed entitlement to the funds, asserting that I had received the services, which was inaccurate. I never stated to Chase that I received the services ; rather, I expressed concerns about the legitimacy of the refund request and the order receipt. Unfortunately, on XX/XX/XXXX, the funds were withdrawn from my account without any notification regarding the offset. The merchant provided documentation claiming I authorized the payment, but I never received these documents. Additionally, I was not informed of the effective date for this action, violating due process. I feel cheated by both the bank and the merchant
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 XXXX : 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 : Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 card or prepaid card

I ordered custom-made-to-order Kitchen Cabinets from XXXX XXXX on XX/XX/XXXX in the amount of {$3800.00}, using my CitiCard credit card. The day I was told they were to ship, the Company went out of business. I have never received my order and the Company XXXX XXXX XXXX, that eventually purchased the bankrupt XXXX XXXX has not been able to locate my order or provide any assistance. They state XXXX XXXX XXXX is the primary point of contact for claims, but the Website they referred does not exist. I called CitiCard and disputed the credit card charge, and the amount was deducted from my statement. My XXXX statement from CitiCard included a letter dated XX/XX/XXXX reversing the disputed amount, based upon XXXX XXXX XXXX XXXX response to the dispute. The response included no insight as to what happened to my order. CitiCard states they have closed their investigation, and I would need to provide confirmation that I have still not received the merchandise. I mailed all copies of all correspondence to CitiCard on XX/XX/XXXX, with no response, so I remailed everything on XX/XX/XXXX via Certified Mail. I paid my XXXX CitiCard statement, but deducted the disputed amount.
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 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 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 or other personal consumer reports

I am writing to file a formal complaint concerning several inaccuracies on my XXXX ( certified mail # XXXX ), Equifax ( certified # XXXX ) and XXXX ( certified # XXXX ) credit reports that remain unresolved following a dispute directly with the bureau. Despite providing a sworn affidavit and supporting documentation thru certified mail, the following items continue to be reported in violation of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), applicable North Carolina state laws, Metro 2 reporting standards, and other relevant guidelines : XXXX XXXX FCU : This account is reported as a charge-off without proper validation. With a {$0.00} balance, XXXX XXXX standards require that it be updated to Paid as Agreed with an accurate, on-time payment historyor removed if no obligation exists. 

XXXX XXXX XXXX : A charge-off is listed without verifiable documentation. The FCRA mandates that all reported data must be validated with original documentation ; if such validation is absent, the entry should be deleted. 

XXXX XXXX : A collection account is reported without the legally required validation. Under FDCPA and North Carolina law, unverifiable debts must be either fully validated or removed. 

XXXX XXXX : An account that was sold to another lender still appears as a duplicate entry on my credit report. This duplicate reporting is prohibited by the FCRA and should be removed immediately. 

XXXX XXXX This charge-off is reported with an inconsistent balance and lacks proof of proper fee and interest calculations. XXXX requires full transparency ; therefore, an itemized verification must be provided or the account must be deleted. 

This is my first complaint with the CFPB regarding these issues. 
Please investigate this matter and take prompt corrective action. I also request written confirmation of the actions taken.. 

Thank you for your prompt attention to this matter.
Product: Debt collection

AFNI is reporting and attempting to collect on a debt that was covered by the VA. I do n't have any medical bills ever. As a veteran all my medical is covered under VA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to dispute the fraudulent items I notticed beiongreporting on my credit report. I recently received a copy of my credit report and was shocked to find that there are several items and information that I did not open and have no knowledge of. 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 to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID THEFT REPORT. The items in question are as follows : XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX, TX, 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 XXXX XXXX, XXXX, TX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXXXXXX Balance : {$650.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX Unpaid Balance {$830.00} XXXX XXXX XXXX XXXX Unpaid Balance {$93.00} XXXX XXXX XXXX Unpaid Balance {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I can assure you that I did not open these items or authorize anyone else to do so on my behalf. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

On XX/XX/XXXX I reported to Citibank unauthorized transactions of {$57000.00}. These were XXXX fraudulent and forged checks that were not written by me because whoever created these fraud checks they used check numbers that were never yet written yet I still have the blank checks in my office. I provided the bank the victim account indemnity agreement on XX/XX/XXXX the day I made the claim with the bank, but on XX/XX/year> I received a letter saying that the bank has completed my investigation and denied it due to not receiving the completed documentation. Now Citibank has declined my fraud claim and has threatened that my accounts will close in 60 days due to violated terms per their client manual saying that this claim is false.
Product: Credit card or prepaid card

On XX/XX/2021 I transferred XXXX points from my Chase XXXX Rewards account to my XXXX XXXX account in order to book a reservation. Due to COVID restrictions in the area this reservation needs to be cancelled. 

On XX/XX/2021 I contacted Chase to have the points returned to my Chase account but they state that they are unable to do so.