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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXXdays. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately 1. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction As a consumer by law this account must be deleted immediately XXXX XXXX XXXX  Account Number : XXXX under 18 U.S.C. 1001, any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately 2. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction As a consumer by law this account must be deleted immediately XXXX XXXX Account Number : XXXX under 18 U.S.C. 1001, any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately 3. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction As a consumer by law this account must be deleted immediately XXXX XXXX XXXX  Account Number : XXXX under 18 U.S.C. 1001, any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately 4. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction As a consumer by law this account must be deleted immediately XXXX Account Number : XXXX under 18 U.S.C. 1001, any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately 5. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction As a consumer by law this account must be deleted immediately CXXXX XXXX Account Number : XXXX under 18 U.S.C. 1001, any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately
Product: Debt collection

No he recibido ninguna prueba de que su empresa haya validado la deuda. Una deuda que est reportando en mi crdito sin ninguna prueba de validacin.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account Number XXXX XXXX
Product: Checking or savings account

I am a customer with Capital One checking account 360 and set up direct deposits for my biweekly salary. To my surprise, the amount wired by my employer, {$1400.00} has been unavailable for more than 48 hours. I went to their office this morning and they could not give me a day when the transfer will be made. This is unacceptable and I hope there is an investigation, consequences for the bank, and repairs for all clients affected by this incident.
Product: Credit card or prepaid card

XXXX XXXX creditor, revolving charge account is fraudulent. It has been settled beyond controversy, a bank can lend its money, not its credit. XXXX XXXX has created a constructive fraud, peonage, conspiracy, and dishonor which have resulted in my Revocation of Signature for Cause. I have written several letters to XXXX XXXX to resolve this matter.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed the following information regarding inquiries to be in error that I do not recognize & have not authorized.
Product: Vehicle loan or lease

Wells Fargo is refusing to acknowledge they received payment from XXXX XXXX XXXX for my Gap coverage. My car was totaled before XXXX XXXX and my loan is still not closed. The dated check for the GAP was sent to Wells Fargo on XX/XX/XXXX in the amount of {$2000.00} and XXXX XXXX XXXX has record of Wells Fargo cashing that check on XX/XX/XXXX. Wells Fargo is saying g they never received payment. I've been turned down continuously while attempting to get another vehicle so I have transportation to work. Almost 2 months later my loan is still open and I desperately need to get another car and because of this issue, I can't.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing my personal information since XXXX for inaccurate information and they refuse to delete the inaccurate information. I want all inaccurate information deleted immediately. 

Experian is reporting XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Address : XXXX XXXX XXXX XXXX # XXXX XXXX, ca, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Ca, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, ca, XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX XXXX is the only one that had deleted the inaccurate information.
Product: Vehicle loan or lease

THIS IS A SECOND ATTEMPT TO YOUR EXCESSIVE INTEREST RATE OF XXXX PERCENT!!! THIS IS CLEARLY ILLEGAL. I SEE New York IS ALSO SUING YOU FOR THE SAMETHING Case XXXX. Thank you so much for the detailed response. Im not sure if you recall via phone w/ XXXX XXXX on XX/XX/XXXX @ XXXX I didn't agree to such thing! The company that was working with you " XXXX XXXX '' had took PAGES out of the CONTRACT the was given to me so I was unable to READ ALL OF THE INFORMATION. 

MY DOWN PAY, ENT THAT WAS CONDUCTED ONTO THIS CONTRACT IS ALSO ILLEGAL AND INACCURATE I DIDNT PUT DOWN {$1800.00} IT WAS ACTUALLY {$2500.00}!!!!! 

I DO HAVE EVERYTHING RECORDED WHILE WE WERE ON THE PHONE. AGAIN THAT IS FALSE I DID SIGN A DIGITAL PAD STATING IN UNDERSTOOD WHAT WE DISCUSSED WHILE IN OFFICE. WHICH WAS THE DISCLOSURE FORM. I HAVE BEEN PAYING MY DUES ON THE CAR AND WOULD LOVE TO CONTINUE BUT AS YOU CAN SEE I HAVE HAD PROBLEMS BECAUSE OF THE INTEREST RATE BEING SO HIGH ON A USED 2013 VEHICLE THATS XXXX XXXX XXXX!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. 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. 
. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft.These accounts/ items/ inquiries are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2600.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00}
Product: Debt collection

On XX/XX/2023 I was contacted by an employee of XXXX XXXX. I was told that I owed a debt I had no knowledge of and that if I didn't pay that I would have my consumer report riddled with false information. I was threatened harassed and told various times it was an attempt to collect a debt. From understanding of XXXX XXXX XXXX a debt collector XXXX not state that the consumer owes any debt along with contract me for anything other than to confirm location information. There where several other violations that occurred on the phone at the time of the call which I have listed in the attached documents along with an invoice.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States 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 written instructions.
Product: Credit reporting or other personal consumer reports

This has been an ongoing issue that needs to come to an end. XXXX XXXX has single handedly ruined my credit. My FICO went from over XXXX to XXXX overnight. I have been dealing with this for two years and now its XXXX that the credit reporting agencies help get these wrong accounts off my credit report. XXXX XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX listed here is not my credit card number. I have asked for proof of card and debt for over a year. This account and two other XXXX XXXX accounts continue to be sold to the next collection agency and my name and info go right along with an account number that has never been mine never activated or used by me. I feel that two years trying to have this removed from my record and my credit FICO score repaired by the false reporting is long enough. I went from from XXXX FICO to a XXXX overnight when XXXX XXXX Closed my XXXX XXXX and my two personal credit cards which had XXXX balance at the time of closure. XXXX XXXX has never done what they have promised to do and that is repair my credit that they ruined!. 

I now ask that the three credit bureaus step in and get this rectified. 

I have attached my XXXX XXXX XXXX XXXX XXXX I have attached the XXXX XXXX XXXX payments made to those cards in XX/XX/XXXX I was wrongly reported. And this now needs to be fixed. XXXX XXXX has been unable to produce my signature for the card numbers sent to collection and and they sent me to collections on something I have never opened owned activated or used. 

I would like XXXX of the XXXX XXXX accounts removed from Collections and false reporting cleaned up with each credit bureau! 

My XXXX credit cards were paid in full they have a XXXX balance. 

This is the only XXXX XXXX XXXX  I have owned, activated used and paid off in full. XXXX. XXXX  platinum personal account is XXXX XX/XX/XXXX exp And personal card number XXXX exp XX/XX/XXXX These are my XXXX personal XXXX XXXX cards and once again the card numbers I owned activated and used are below The ones that were sent to collections and reported her are not accurate they are not my account numbers I have never owned activated or used them I ask that they be removed from the three credit reporting bureaus. 

When XXXX XXXX  reported me they started a snowball effect my XXXX card limit moved down to XXXX XXXX XXXX refused my payment closing the account down. I expect my credit to be repaired this is not right this is not fair.
Product: Debt collection

Calls repeatedly and is extremely rude. Never works with helping you out. XXXX XXXX is a XXXX!!! 



XXXX XXXX ... .XX/XX/XXXX. 
Social : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent out multiple disputes never acknowledge my issues that I addressed by letters. 
XX/XX/XXXX and XX/XX/XXXX and XX/XX/11 this letters were not taking into consideration. I feel like my issues are being neglected on the behalf of the credit bureaus. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this accounts are showing inaccurate with the incorrect date, and also not entered in the dispute status
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit reports to verify my personal information. Im unable to dispute the incorrect personal information via XXXX, Equifax or XXXX  website. 
My name and SSN are wrong. 
My name is XXXX XXXX XXXX, not XXXX. 
My SSN is XXXX. 
My DOB is XX/XX/1987. 
My address is XXXX XXXX XXXX, XXXX, FL XXXX.
Product: Credit reporting or other personal consumer reports

There's a collection on my credit report that should be removed because this is false and incorrect information as the collections company and Experian hasn't provided me the required information I requested according to the Fair Credit Reporting Act and the FDCPA to provide proof of validation in accordance with ( FCRA ), 15 U.S.C. 1681 and FCRA section 605B.

This issue has been settled with the original creditor and not the debt collection company which is illegally sharing inaccurate information and unable to validate the debt because it's been removed with the original creditor that guaranteed over the phone which Experian or the CFPB can call and verify.
Product: Payday loan, title loan, or personal loan

Chase Auto Finance/JP Morgan Chase Bank repossessed my vehicle on XX/XX/2021. I Have since paid {$1700.00} that pays off the end of the loan. Additional fees have been added on for a total of {$2400.00}. When I get my stimulus check, I would gladley pay off the addtional fees. JP Morgan Chase maybe through this crisis, I am not. I have made a significant effort to pay off this loan, I think Chase Auto Finance/JP Morgan Chase Finance should work with their customers that make effort to pay on a loan. Previously, I have tried communicating with representatives of Chase Auto Finance that did nothing but humiliate me. Because of this experience, I have since developed XXXX, because I do not want to be humiliated by any financial institution about my difficult personal problems.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of human trafficking of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Experian. Please delete the following accounts XXXX XXXX XXXX XXXX. {$17000.00}, XXXX XXXX XXXX bal. {$1000.00}, XXXX XXXX bal. {$130.00}, XXXX XXXX XXXX bal. {$220.00}, XXXX XXXX XXXX XXXX. {$2100.00}
Product: Credit reporting or other personal consumer reports

According to the fair credit reporting act 15 1681 section 602 states ( There is a need to insure the consumer 's reporting agencies exercise that gave reasonably with fairness, impartiality, in a respect for the consumer 's right to privacy ) XXXX, XXXX, XXXX which are consumer reporting agencies and they violated my rights as a customer. The CRA is in violation of 15 USC 1666 B timing of payments ( a creditors may not treat a payment on a credit card payment 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.Also 15 USC 1681 ( a ) reporting containing information solely as to transactions or experiences between the consumer and the person making the report ; The CRA 's is reporting bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681s-2 ( a ) ( 1 ) states ( a person shall not furnish any information relating to a customer to any customer reporting agencies if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX, XXXX, XXXX shall maintain reasonable procedures designed to avoid violations of section 1681c and to limit the furnishings of consumer reports to the purposes listed under section 1681B. In conclusion 12 CFR section 1016.7 states that ( a consumer my exercise the right to opt out at any time. ) and I'm exercising my right to opt out.
Product: Credit reporting

XXXX XXXX XXXX and XXXX submitted a credit report adjustment to XXXX, XXXX and Equifax in order for them to remove the negative report. XXXX and XXXX did just that. However, Equifax did not.
Product: Credit card or prepaid card

Someone opened a fraudulent account under my name without my authorization and made charges. As a result, my credit score has decreased substantially and I now have derogatory marks on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA TransUnion has violated my rights 1. Transunion has been falsely manipulating the statute of limitation which is an FCRA violation. 
This account has a discrepancy in the payment history section of the listing ; XXXX XXXX How is TransUnion reporting XXXX  30 days in late XXXX  60 days in late XXXX XXXX 90 days in XXXX XXXX 60 days and XXXX XXXX 90 days late Payment history must be reported in the order of 30 days late 60 days late 90 days 120 days? 
2. Transunion has been falsely manipulating the statute of limitation which is an FCRA violation. 
This account has a discrepancy in the payment history section of the listing ; XXXX XXXX How is TransUnion reporting XXXX  30 days late 60 days late in XXXX  XX/XX/XXXX90 days late 120 days in XXXX & XXXX XXXX 120 days late? Payment history must be reported in the order of 30 days late 60 days late 90 days 120 days. 
3. Transunion has been falsely manipulating the statute of limitation which is an FCRA violation. 
This account has a discrepancy in the payment history section of the listing ; XXXX XXXX XXXX XXXX How is TransUnion reporting on-time payments until XX/XX/XXXX 30 days late XXXX  30 days late XXXX is 60 days late XXXX is 90 days late XXXX is on-time XXXX is on-time XXXX is 30 days late and XXXX is 60 days late Payment history must be reported in the order of 30 days late 60 days late 90 days 120 days. 
4. Transunion has been falsely manipulating the statute of limitation which is an FCRA violation. 
This account has a discrepancy in the payment history section of the listing ; XXXX XXXXXXXX XXXX How is TransUnion reporting XXXX XXXX 120 days late XXXX XXXX 120 days late then until XXXX XXXX 120 days late? Payment history must be reported in the order of 30 days late 60 days late 90 days 120 days 5. Transunion has been falsely manipulating the statute of limitation which is an FCRA violation. 
This account has a discrepancy in the payment history section of the listing ; XXXX This charged-off account is reporting payment history each month when should it not since the account has been charged off
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft in which my purse & all it's contents : ( Birth Certificate, Social Security Card, & State-Issued Photo ID ) were stolen. Since then, I've been having trouble " opening an account '' & have been " declined '' at EVERY Banking Institution I've applied to. Recently I was told that my social security # is " FLAGGED '' in " Chex Systems '' & that there's two ( 2 ) different banks ( " XXXX XXXX XXXX XXXX' & " XXXX XXXX '' ) showing attached to my social security # that I, myself, did NOT have anything to do with. Someone else made those attempts with those banks committing " Bank fraud '' on top of " Identity theft '' initially. I need the " flag '' removed from my social security # & then it completely removed from the banks " Chex System '' altogether. I am not the individual who's responsible for making any " attempts '' with the two ( 2 ) banks showing on my social security #. It was indeed someone else who had access to my stolen Self-Identitying documents. I should be able to be " approved '' to " open an account '' with ANY Banking Institution of my choice as I have not committed ANY " Bank fraud '' nor ANY type of " fraud '' whatsoever ever in my life & have absolutely NOTHING to do with the two ( 2 ) banks showing attached to my social security # in the " Chex System ''. I need this investigated & resolved ASAP. I can be reached @ : XXXX any time during the day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I froze my credit due to having my information exposed in the XXXX debacle. Experian has been the post challenging to initially place the freeze, but now that I need to unfreeze I can not due to mistyping my PIN. Experian only allows you to upload or mail in the request with your social security number, copy of drivers license and a current bill. I opted to upload since I really dont want all of that information floating around nicely packaged together, with Experian credit freeze on the envelope. Over 8 days have gone by and nothing has been received. Experian gives you no option to inquire. So I am sending a mailed in request asking for a new pin and indicated my concern of crossing this in the mail and provided my contact information. This is super frustrating and seems wrong that I have no ability to check on the request. What if I can never unfreeze my credit from this agency that holds all of my information and I have no way to contact anyone.
Product: Credit reporting or other personal consumer reports

I have seven Inquiries on my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX