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

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX {$240.00}, XXXX XXXX XXXX {$230.00}, XXXX XXXX XXXX {$1300.00}, portfolio recovery {$780.00}, XXXX XXXX XXXX {$230.00}, XXXX energy {$210.00}, affirm inc, XXXX bank {$880.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 
What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the XXXX credit XXXX XXXX XXXX XXXX of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address ( private email address ).
Product: Credit card or prepaid card

I have a citi dividend world master card. They offer every quarter different categories of rewards. I registered for rewards from the period beginning XX/XX/XXXX to XX/XX/XXXX which offers a 5 % reward on all purchases from home improvement stores and Home Depot is mentioned specifically on their quarterly calendar. I purchased merchandise from Home Depot on XX/XX/XXXX in the amount of {$320.00} and another purchase from XXXX XXXX XXXX XXXX in the amount of {$230.00} on the same date. According to my calculations I should have received a total of {$27.00} in rewards for these purchases. My closing date on the credit card is around the XX/XX/XXXX of each month. When I checked my rewards balance they only gave me 1 %. 
When I called in to customer service at the telephone number listed at the back of the card which is XXXX after being put on hold for a long time and speaking to some outsourced service I was told that I purchased the merchandise from a warehouse which I definitely did not. I mentioned to them that I have the original receipts of both stores and that I walked into an actual and real home improvement store and physically bought the merchandise definitely not from a warehouse or online. The representatives at the card company seemed adamant and refused to listen to my side which I have the receipt with telephone numbers that can easily be verified where I bought the merchandise from. Just to set my mind at ease I then called the two improvement stores and asked to speak to the store managers. They confirmed that they were not registered as warehouses but were registered as home improvement stores.I then called the credit company again to inform them of the information I obtained from the store managers of the two stores.They refused to listen to my side and were adamant on their verson of these being warehouse purchases. I have in my possession all original receipts.
Product: Credit reporting or other personal consumer reports

It has come to my attention that my credit report contains transactions and experiences that not only are NOT allowed in the report, but that were submitted without my written authorization. XXXX XXXX ( XXXX ) and XXXX  XXXX XXXX This is a matter of serious concern regarding my personal information and credit report, which involves violations of multiple provisions of the United States Code specifically, 15 USC 1681b, 15 USC 1681a, 15 USC 6801, 15 USC 6802, and the XXXX Act. I am also referencing the potential penalties outlined in 15 USC 1681n.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.I have attached my credit report to this highlighting all the inaccurate information. 

Account name : XXXXXXXX XXXX XXXX XXXXXXXX : Account # 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.

This inaccurate account is stopping me from the ability to get credit cards and a house for my family.
Product: Checking or savings account

Hello, My name is XXXX XXXX XXXX and I have been a preferred platinum member with BOA for over 15 years. I have an issue with the Bank because every time I use my debit card or make a purchase with my debit card I get international transaction fees. Previously, the bank would waive these fees for me if I had already made a purchase. However, now they want me to call each month and tell them I need a waiver put on my account. I find this very inconvenient and somewhat of a hassle. I have told them that I could give them the dates that I would be overseas, but they still want me to call each month. BOA has been impractical and unfair regarding this matter.
Product: Mortgage

I have been in communication with Community Loan servicing trying to get the servicing department to correct the escrow amounts. I have documented the discrepancies and they continue to overlook and make correct justifications. They have increased my monthly payment by increasing the escrow amounts due to the point where it may create a hardship. I have shared with them the documentation of many of the incorrect amounts with no avail. They sent an escrow refund check of $ XXXX see documentation for the insurance and real estate taxes, which has caused the escrow to be off balance as well as pay the professional liability insurance of {$2000.00} and the property insurance, $ XXXX a total of $ XXXX-see page XXXX of the analysis dated XX/XX/21 as well as page XXXXthe letter generated by XXXX XXXX . On XXXX, I received communication stating my loan has been transferred- see page XXXX. The lender placed insurance amount is also overstated. The annual premium they told me is XXXX. They have it listed monthly on the analysis dated XXXX, see page XXXX. All I asked was to correct the escrows. Now I have statements saying I am late- see pages 2 and 6.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is with reference to my Capital One credit card with reference to last four digit card no :XXXX.i have send few letters and called also several time, with reference to the incorrect reporting about late payment for XX/XX/2018, At that time also I explained why it was not correct and when I contacted the member service for the payment, they advised that its not going to affect my scores and it was well within the pay period date. I also told by Customer service later that they have send communication to reverse when I contacted on XX/XX/2018.but nothing happened after that Also the check which i had sent for payment was never acknowledged which has created more of a problem, As result, I am facing consequence of the same and it is still showing on my credit history and this is very negatively effecting me and my current situation May I kindly ask you to please check and revert back, the in correct remark on my credit file and help clear the late reporting on XX/XX/2018
Product: Consumer Loan

Wells Fargo Dealer Services Telephone number comes up as " Data Overage Alert '' -- Deceptive and violation of FDCPA
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite of the written appeals I sent, any kind of responses was taken for granted. Thus, their action have violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that is still reporting on my Credit Reports : XXXX/XXXX  XXXXXXXXXXXXXX Balance {$0.00} XXXX XXXX XXXX  XXXX XXXX XXXXXXXXXX Balance {$320.00} XXXX  XXXX XXXX  XXXX  XXXX Balance {$0.00} XXXX  XXXX XXXX XXXX XXXXXXXXXX Balance {$230.00} XXXX  XXXX XXXX  XXXXXXXXXXXXXX Balance {$470.00} XXXX  XXXX XXXX  XXXX Balance {$880.00} XXXX XXXX XXXX XXXX Balance {$55.00}
Product: Vehicle loan or lease

I have bought a XXXX XXXX XXXX in XXXX and sign a Loan in order to engaged with this transaction. 
In 10 years never had any issue to make my monthly payment but since XXXX and the coming of The Covid 19 I lost my own business, my client portfolio and encountered some delayed in my monthly payment. 
Despite using accessible tool offered by Nissan to differ a payment and calling the institution to express my challenges I was reported to the credit bureau for an amount of XXXX dollars postponed payment. 
Moreover my contract has now matured and I am about 2 months to finalized the payment of the car note. Nissan Auto acceptance are forcing me to pay something I was not aware, something I was not informed, something I was never explained to calls final interests. As a client I felt trapped and abuse in this circumstance as do no allow client to access to customer service for complains via e-mail or phone, moreover Never had a performance review in 11 years on this Loan, Communication by staff # XXXX not legally appropriate ( professional vs public person ) Agent XXXX mentioned that all this was my responsibility to follow up on this matter and calculation of interests, XXXX could not help me out but to ask to send a letter of complain to their legal team using the post office services.Financial Institution like Nissan should have in their operating system a performance review on XXXX with client or at least some form of communication during the end period of the Loan. I am asking your expertise and experience to review this very abusive case asking to pay XXXX dollars over my normal payment that I have made with consistency the last past 11 years. Nissan make feel abused, XXXX  and XXXX  on their very manipulative strategy which is way more regulated on the Mortgage Industry for example.
Product: Credit reporting or other personal consumer reports

" I previously challenged the erroneous and incomplete information on my credit report, yet [ XXXX/TransUnion ] did not correct it, thereby violating the Fair Credit Reporting Act ( FCRA ). To support my challenge, I provided clear evidence, including : - Marked credit reports that highlight all discrepancies and inconsistencies. 
- A formal dispute letter outlining the errors and specifying the necessary corrections. 
- Copies of my government-issued ID, Social Security card , and proof of address to verify my identity. 

Despite submitting all the required documentation, the inaccuracies and omissions remain on my credit report. Under the FCRA, my report must be accurate and complete, and the failure to make these corrections constitutes a violation of the law. 
"
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding the inaccurate reporting of accounts on my credit report. Despite my previous efforts to dispute these accounts, TransUnion continues to reflect them as valid, which is both inaccurate and damaging to my credit profile. 

On XXXX/XXXXXXXX, I submitted a dispute concerning several accounts that were incorrectly attributed to me ( see attached letter ). In support of my dispute, I furnished a UCC 11 form from the XXXX XXXX of XXXX, which clearly demonstrates that there is no debt in my name associated with these accounts. This documentation provides concrete evidence that these accounts are incorrectly reported. There are no transactions recorded with the XXXX  XXXX of XXXX. 

Despite this evidence, I have observed that TransUnion continues to report these disputed accounts as valid. This persistent inaccuracy not only violates the Fair Credit Reporting Act ( FCRA ), but also negatively impacts my creditworthiness and financial standing.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX : XX/XX/XXXX : 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 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also these list of inquiries ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are 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 all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$530.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$850.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$530.00}.
Product: Debt collection

Received a summons, which was dropped onto my doorstep and not delivered to me personally ( I was home all day ) that I was being sued By Glasser and Glasser for money due to XXXX XXXX   XXXX. This was the first mention of this debt, and I subsequently learned that Glasser and Glasser is a collection agency. I received no prior notice of this debt whatsoever. Nothing in writing. Nothing about what the debt was for, no dates of service. No opportunity to dispute. No notification of intent to sue, since I had nothing in writing whatsoever from this company. Summons said they represent XXXX XXXX XXXX  ; XXXX XXXX XXXX said they do not represent them, they are a debt purchaser. I was served a Warrant in Debt with no knowledge of this, and no notification in writing whatsoever.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reached to XXXX XXXX on XXXX XXXX to fix an error regarding late payments that they have reporting to XXXX XXXX equifax and XXXX. I set up a payment plan for my card on XXXXXXXX XXXX XXXX To where I would pay {XXXX on the XXXX of the month starting in XX/XX/XXXX, XXXX. I made every payment on time with an automatic withdrawal from my account. Until they abruptly transferred the account to collections in XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Accounts left that need to be removed or Block. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT # XXXX and XXXX. Ive already included this report in a previous letter & I am including it again. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX  XXXX XXXX Date Opened : XX/XX/2014 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I called the Experian Credit Agency reporting that there were some Inquiries that I do not recognize and were not authorized, therefore they had to be removed from my credit report and my application did not work and they have not given an answer on the case. I ask you to take action on the case and eliminate these unknown and unauthorized inquiries in the next 15 days.
Product: Mortgage

since transfer from XXXX have been recieving incorrect payment amounts. i have paid XX/XX/2021 payment XX/XX/XXXX, stated not recieved?? paid again today XX/XX/2021 amt XXXX ... ... ... i have a first responder firefighter XXXX homestead exemption. should be only charged for garbage and other misc aprox XXXX dollars per year!!
Product: Credit reporting or other personal consumer reports

I have recently reviewed my credit report and noticed unauthorized inquiries on my report. The inquiries are Credit Accept CORP/CAC, XXXX XXXX XXXX , and XXXX XXXX. I'm in a state of distress, as these unauthorized inquiries have affected my credit score. I'm requesting these inquiries to be removed.
Product: Debt collection

My husband and I did a short sale on a property over 3 years ago. I received a call from the debt collection company some months after that I owed for pmi on the loan. The company is National Comm Services XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. After numerous phone calls to have documentation sent to my home address every time I call they give me the address they say they have on file which is the realtor company that handled the sale. I have NEVER received any documentation on the amount owed, what I have paid nor who they are collecting for. I just called again today and still wrong address and they say the same thing- we will update. I also asked for the name of the company in which they are collecting and I was told pmi insurance. No phone address or information provided. I feel as though my money is going into a black hole.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX  XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX  XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX/XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX/XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX XXXX  XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX XXXX Original creditor : XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX XXXX Original creditor : XXXX  XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX  XXXX XXXX  XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX - XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX/XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX  XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX/XXXX  on XX/XX/XXXX ( Reported Identity Theft ) THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. Bankruptcy chapter XXXX-discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX. 

2. Bankruptcy : Discharged CH-XXXX. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX XXXX Act. # XXXX XXXX XXXX XXXX Act. # XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX. # XXXX XXXX XXXX. # XXXX XXXX XXXX XXXX Act # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE I ASKING THAT THESE ACCOUNT BE DELETE I SENT IN THE RIGHT DOC TO PROVE THAT THEY ARE FRAUD
Product: Credit card

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICE I HAVE FRAUDELANT ACCOUNTS ON MY REPORT, PLEASE REMOVE THESE ACCOUNTS FROM MY CREDIT REPORT THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT