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

I am a victim of XXXX XXXX. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a robo-dialed call about a " legal matter ''. I called back. The representative said my full social security number over the phone and would not tell me who she was until I confirmed who was calling and why. She refused and said " tell it to the judge '' and hung up. 

I called back several times and was hung up on several times. Eventually I spoke with " XXXX XXXX '' who was the person in charge. He threatened me with criminal fraud charges, asked about my XXXX, asked about my mother, told me he knows everything about me and that he had a picture of me. He then called my mother and put her on the phone. 

At no point did the company ever say their business name, who the attorney who represents them is, or what their mailing adress is.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. XXXX must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct erroneous reporting in my file listed on my credit report : XXXX  XXXX Late Date XX/XX/21
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft, disputed my credit reports because of so many unidentified accounts. I have identified my accounts, and sent the identified account information and balances at the time to all three credit reporting companies. I have been attempting to correct my Transunion account because my whole credit report was completely erased. I have contacted Transunion by phone and mail to correct the issue with no response or rectification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm upset because I went to purchase a car and did not qualify. This has been ongoing now for some time again there are items on my credit that are not mine. Please remove these items off my report as they are not mine. XXXX XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX : XXXX, Transunion : XXXX. XXXX XXXX XXXX XXXX : XXXX, Transunion : XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX  : XXXX Transunion : XXXX, XXXX XXXX XXXX XXXX : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this account with Experian for over the last 8 months and sent certififed letters and documents to prove these accounts have been reporting inaccurately. XXXX XXXX XXXX has 3 seperate loans XXXX XXXX, XXXX has purposely violated my rights as a consumer by reporting false, reaging accounts and intentionally keeping my credit worthiness low. I have asked repeattly per my rights as of setion 623 of FCRA asking for validation and proof of these inaccuracies. Everytime they have came back verified. Well if that were so then how come I am able to show errors.

EXPERIAN IS REQUIRED TO DO THE FOLLOWING : ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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.

B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.

Which they have failed to do.Please see attached EXPERIAN is showing that the date opened on the loan was XX/XX/2014 holds a balance of XXXX it has no high balance but is showing refinanced and closed. has no past due balance or monthly payment. 

XXXX XXXX XXXX HAS PROVIDED ME WITH A COPY OF PROMISSARY NOTE THAT STATES 1. Orginal loan amount was on XXXX. 
2.Payment XXXX made 3 payments in full. WHERE is XXXX? how is it they are reporting XXXX on paid as agreed. 
with XXXX previous balance.?????? Yet experian reports 3 different balances on closed accounts with past due?? how was this verified with a BLINDFOLD?

I HAVE BEEN REPORITING THIS AS INACCURATE FOR MONTHS WITH LIES OF VERIFIED. I HAVE EVERY RIGHT TO BE UPSET WITH THIS AND THE FRURSTRATION THIS HAS BOUGHT ME. DELETE THESE ACCOUNTS PLEASE SO I CAN MOVE ON WITH MY LIFE.
Product: Debt collection

I have received text messages regarding payment. 
I have opted out previously but this year the text messages have started back up. 
I opted out on XX/XX/24, XX/XX/24 and again on XX/XX/24 I called the company on XX/XX/24, spoke with XXXX who stated she does not have a ID number and that she is the only XXXX. She stated that she shows that I am opted in for text. I advised I have opted out multiple times and continue to receive messages. I asked for a correspondence address she stated they can only note my file and that there is no address. I re-confirmed that they was no address for me to send correspondence, she stated no. She then asked when I would be making a payment. I advised that I sent an email back to the company advising when the payment would be made. I am being harmed by being annoyed and this is an invasion of my privacy among other things.
Product: Debt collection

This debt collector engaged in XXXX, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, My name is XXXX XXXX, Experian Member ID # XXXX 

Today, XX/XX/XXXX, I was on the phone for 2 hours and approx. 20 minutes trying to correct one item on my credit report. While on hold my call was dropped. 

My issues : I need to resolve one item on my credit report Experian does not list an email and it is impossible to connect with them I have paid {$24.00} for the past few months for their service and I am unable to contact them in a timely manner Thank you, XXXX XXXX
Product: Credit card

A credit application was filed and a hard credit pool was done on my credit report and it was an authorized
Product: Checking or savings account

I received an offer in the mail under my name to open a Citi checking account for a bonus of {$1500.00}. I opened the account on XX/XX/2021 and started to make deposit to my account XXXX a total of {$190000.00} XXXX. Detail below : XXXX XXXX, 2021 CITIBK XXXX XXXX TRANSFER {$20000.00XXXX XXXX  XXXX, 2021 CITIBANK , N.A . DEPOSIT - {$12000.00XXXX XXXX XXXX, 2021 CITIBANK , N.A . DEPOSIT - {$160000.00} A couple of days later, I realized that the online bank account started to get restricted. I could not be able to see my recent activity and make any transfer to or from the account. I called customer service and was then directed to call the Fraud department. I was told that the account was closed due to a " negative report from other institution?! '' and said " the account will be closed in 60 days ''. When I asked about what will happen with the remaining fund in the account, the representative said " unfortunately, the account has been closed and under investigated within 60 days '' and hung up on me. That was really unprofessional for a reputable bank like Citi. 

I will contact my bank which the fund was transfer from and have them reverse all the transfer and retrieve my fund. I will not wait 30-60days for your " investigation '' without informing me about the account closure.
Product: Credit card

I checked my online account and seen all 3 of my Capital One credit cards were " restricted ''. Upon further investigation I notice all 3 of my accounts were closed for fraud. When I reached out to customer service I couldn't get clear answers. My issue is if there was an issue with 1 account why close 3? That's not only a hit to my credit but it will be a lie on my credit report as well that will affect me for years to come. I definitely don't feel that Capital One is practicing fair practices or credit reporting.
Product: Debt collection

The aforementioned credit collection agency representing whomever your Client is has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX, XXXX and Equifax. This business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If XXXXXXXX XXXX XXXX  XXXX does not have any documentation other than a bill that they printed, ( i.e. : signature contract agreeing to pay ) they need to retract this from my credit file immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a mortgage loan with XXXX XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX XXXX  and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me multiple 30,60,120 day late account posting errors. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX XXXX XXXX XXXX with no successful resolution. XXXX, XXXX, and TransUnion reporting me 30 days late in XXXX, 60-120 days late in XXXX and twice 120 days late in XXXX. There was an error on their part. I was never late.
Product: Credit reporting or other personal consumer reports

I have an open credit card on my Experian Credit Report. I did not open the credit card account. The listed information is XXXX XXXX Account XXXX I have not received any bills for this credit card and it is listed as having a balance of {$990.00}, which I did not authorize.
Product: Credit reporting or other personal consumer reports

This company has improperly used my personal private information in order to gain profit the violations of 15 USC 1681i ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. This has not been done so and also violates ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. LEXISNEXUS have informed me they have removed the reporting of the requested information and is still being reported on my behalf. The violations of Fair Credit Reporting Act, The privacy act of 1974, and The Gramm-Leach Bliley Act have all been violated and this information need to be urgently removed.
Product: Debt collection

In XXXX of XXXX an unknown person attempted to open two accounts with XXXXXXXX XXXX  XXXX under my name with my former work address, delaying their delivery to me. XXXX XXXX XXXX flagged the accounts as identity theft and immediately shut the account. The accounts were never active. 

In XXXX of XXXX I received a collection letter from Associated Credit Services , Inc. stating I had an amount owed on one of the accounts that was never active. I contacted XXXX ( formerly XXXX XXXX XXXX ) regarding notice. They informed me that the notices was bogus, and that I did not have any outstanding debt and that these accounts have remained closed. They suggested I ignore the notice and not contact the company as it was probably not a legitimate company. 

Attached are the correspondence from XXXX XXXX XXXX and Associated Credit Services , Inc .
Product: Credit reporting or other personal consumer reports

I have disputed the 2 Bankruptcy on my Lexis Nexis Report 3 time with them and they claim they received proof from the Court i went to the US Court and the clerk stated they do not report or send any persons information to XXXX company.
Product: Bank account or service

Chase Bank shut my bank account with no notice. Chase refuses to reopen the account. Yet again, Chase held the money in float, without notifying the transferring bank or me for my direct deposit payroll.
Product: Debt collection

I have already sent this company a letter to validate this claim that I have any contract with them. The company did not provide any information staying that I have any contract with them. So they has deleted this account from my consumer report. Also this company has many names that go by trying to be confusing to consumers that wrote me again try to collect on a debt that I do not owe to them. They are breaking the laws of the CFPB/FTC I have a right to privacy as well as a consumer. I also sent the a cease and desist letter and they still decided to break the laws by contacting me about debt I do not owe them I have no contract with them I will sue them if they decide to keep this up its a XXXX per volition. I will go to small clams court and get Remedy.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm submitting a complaint to you today to inform you that I was a victim of identity theft. I search on how to remove the fraudulent accounts in my report and found that I need to visit FEDEDAL TRADXXXX COMMISSION or https : //ww.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to removed /block any accounts listed XXXX ID theft report. Please find the attached documents to assist in the blocking of the erroneous information which is being posted yo my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

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.

XXXX XXXX : INQUIRIES : XXXX XXXX XXXX Inquiry Date XX/XX/2022, XXXX XXXX XXXX Inquiry Date XX/XX/2022, XXXX XXXX Inquiry Date XX/XX/2022, XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2022, XXXX XXXX Inquiry Date XX/XX/2022, XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2022, XXXX XXXX XXXX Inquiry Date XX/XX/2022 .
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Arabian Terrace XXXX, GA, XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information Due to Data Breach Dear Experian, I am writing to formally dispute the information on my credit report that is the result of a data breach affecting my personal and financial information. Upon reviewing my credit report, I have noticed unauthorized accounts and activity that I believe were caused by a data breach. 
To assist in resolving this matter, I am providing the following details related to my dispute : Full Name : XXXX XXXX XXXX of Birth : XXXX Social Security Number ( Last XXXX digits ) : XXXX Address : XXXX arabian terrace XXXX Ga XXXX Report XXXX XXXX ( if available ) : XXXX The unauthorized accounts or transactions that I believe were caused by the data breach are as follows : XXXX. [ XXXX XXXX, XXXX, Date Opened XXXX, XXXX XXXXXXXX XXXX XXXX  ] XXXX. ( highest balance {$340.00}, on XXXX XX/XX/year> ) I have also filed a report with the Federal Trade Commission ( FTC ) regarding this data breach. You can find the details of my FTC complaint below : Date of Report : [ XXXX ] Additionally, I request that you immediately conduct an investigation into these disputed items and update my credit report to reflect accurate information. 
15 USC 1681 b If further documentation or information is required to assist in this investigation, please do not hesitate to contact me at XXXX. 
Thank you for your prompt attention to this matter. I look forward to your timely response. 
Sincerely, XXXX XXXX 15 U.S.C. 1681b is a section of the United States Code that defines the permissible uses of consumer reports. It is part of the Fair Credit Reporting Act ( FCRA ), which regulates access to consumer credit reports. 


15 USC 1681 b
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been the victim of ongoing and troubling ID THEFT. I have several incorrect items reporting on my Equifax credit report. My address needs to be corrected as well as the fraud items need to be removed. Police report on file.
Product: Credit reporting

I have recently been informed that there is negative information reported by XXXX XXXX in the file you maintain under my Social Security number. Upon ordering a copy of my credit report, I see an entry from this company listing Legally paid in full for less than the full balance, closed. I am unaware of Legally paid in full for less than the full balance, closed with this company. I contacted this company via certified mail asking for validation of the debt which was not provided to me. Additionally, please provide the name, address and phone number of each person who personally verified this account, so that I can inquire about how they " verified '' the alleged account, without providing any proof, bearing my signature. An employee looking at a computer screen, seeing my name listed in their database is NOT verification or validation of any debt. Please validate this information with XXXX XXXX. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. 
I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Product: Mortgage

a few years back a did a refi on my property with XXXX XXXX, who in turn sold the loan to Bank of America, since I had to relocate for work I new there would be a lag in payment delivery, so to off set this I paid advance 2 month on my mortgage and all went well for almost two years, I noticed I as getting late fees from Bank of America. when I called to find out why they 1st told me the account payments were " late '' and the fees are the result. I told them that was not possible as my account is advanced two months to remain current at all times. my repeated inquiries went unanswered and fees continued I tried to get assistance from a manager but there was o help there. Finally one rep that I contacted actually looked into my concern and told me the only thing they could see n review was that when Bank of America moved their office from XXXX to XXXX they did audits of accounts and took all advance payments and applied them to the principle. well this completely has put my finances and my home at risk and they act now as if they cant find me. Several calls and been made to no avail and even trying o get a HARP has been denied by them saying I cant qualify which leaves only forced foreclosure or bankruptcy as an option,