23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Department of Education YOU HAVE BROKEN THE LAW. 
I notice that you placed incorrect information in my consumer report. Any late payments are considered a transaction and experience, which is prohibited from being reported on my consumer report. Also, if you are going to report payment history, being late starts at XXXX days and you have it starting at XXXX days late. There are only XXXX days in a month so how could I be current on payments XXXX month and XXXX  days late the next month. 35 % of my calculated consumer score comes from XXXX history and by you reporting incorrect information you are letting others know I am not creditworthy. 
Below is the law you have broken and violated my rights. 

Title 15 - COMMERCE AND TRADE CHAPTER 41 - CONSUMER CREDIT PROTECTION SUBCHAPTER III - CREDIT REPORTING AGENCIES 1681a. Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. 
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual. 
( d ) Consumer Report. 
( XXXX ) In general. The term consumer report means any written, oral, or other communica-tion of any information by a consumer reporting agency bearing on a consumer 's credit worthi-ness,1 credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the pur-pose of serving as a factor in establishing the consumer 's eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) Exclusions. The term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( I ) report containing information solely as to transactions or experiences between the con-sumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affil-iated by corporate control; or ( iii ) communication of other information among persons related by common ownership or af-filiated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; As you know, each violation is up to {$1000.00}. Not including the actual damages done to me for not being able to get the house I wanted, paying high car notes because of the interest rates, and not being able to get other things. I want you to fix this immediately and compensate me for the damages you have done to my reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. Fortunately, in accordance with the FCRA Sections 6058,615 ( ) and 623 ( a ) 6 ), an An identity theft report can be used to permanently block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victim 's credit report.

Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENTITY THEFT, except as otherwise provided in this section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS after the date of receipt by agency. I ask that you comply with the Federal Laws in place, and swiftly and permanently block the accounts, addresses, inquiries and other information that you are reporting listed on the *Identity Theft Report List of Fraudulent Accounts ''. I am also requesting to be mailed a new credit report to my address of record above.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX  XXXX XXXX Balance : {$330.00} ; XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2800.00} ; XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX XXXXXXXX Balance XXXX {$1000.00} ; XXXX  XXXX XXXX Balance : {$330.00} ; XXXX XXXX  XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2800.00} ; XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$4100.00} ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OK XXXX ; XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$330.00} ; XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau Federal Trade Commission ( FTC ) Subject : Formal Complaint Against Equifax and Employee - Reference Equifax Confirmation # XXXX Dear CFPB and FTC, I am writing to formally lodge a complaint against Equifax and one of its representatives, XXXX XXXX ( ID # XXXX ), based on a disconcerting interaction that took place on XX/XX/2023. During this conversation, XXXX XXXX informed me that Equifax does not investigate Consumer Financial Protection Bureau ( CFPB ) reports, emphasizing that only Federal Trade Commission ( FTC ) complaints are addressed. He directed me to visit Identity.gov, which raised concerns about the thoroughness of Equifax 's investigative practices. 

Details of the complaint are as follows : 1. **Employee Information : ** - Equifax Representative : XXXX XXXX ( ID # XXXX ) 2. **Incident Description : ** - XXXX XXXX stated, " Equifax does not investigate CFPB reports, so I'm wasting my time. The only complaints Equifax follows up on are FTC complaints. '' 3. **Requested Actions : ** - I demand an immediate and thorough investigation into the conduct of XXXX XXXX and the apparent discrepancy in Equifax 's investigative procedures.

4. **Accounts in Question : ** - CFPB Reports Filed on XX/XX/2023 under # XXXX - CFPB Reports Filed on XX/XX/2023 under # XXXX 1. XXXX XXXX XXXX  XXXX  XXXX - Account # XXXX 2. XXXX - Account # XXXX 3. XXXX XXXX - Account # XXXX 5. **Equifax Confirmation Numbers : ** - # XXXX - # XXXX I urgently request your intervention to ensure a fair and impartial investigation into this matter. The actions of XXXX XXXX and Equifax 's stance on CFPB reports raise serious concerns about the company 's commitment to addressing consumer complaints comprehensively. 

Please acknowledge the receipt of this formal complaint and provide details on the steps being taken to investigate and resolve the issues outlined herein. I appreciate your prompt attention to this matter. 

Thank you for your assistance. 

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

I am writing to formally dispute an incorrect entry on my credit report regarding my account with Self Financial Inc. My credit report inaccurately reflects a missed payment, whereas I have made all my payments successfully and on time. This incorrect information is negatively impacting my credit history, and I kindly request that it be investigated and corrected immediately. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information on my credit report. I am requesting that this erroneous late payment be removed from my credit file to reflect my actual payment history accurately.I request written confirmation once this matter has been resolved. As well as deletion of this from all credit reporting agencies
Product: Credit reporting, credit repair services, or other personal consumer reports

Seveal years ago filed for Bankruptcy. Local bank in town pulled my credit when I applied for a consumer loan. It showed the bankruptcy which has been more than 7 years, I believe we filed in 2010? Why has it not been removed?
Product: Credit reporting, credit repair services, or other personal consumer reports

A balance is reporting on my XXXX account in error which is substantially dropping my credit scores and is inhibiting me from getting a home loan. This account was paid off. I have tried to resolve this issue directly with XXXX and they have failed to correct it.
Product: Debt collection

They would not work with me on the debt then I told them I wanted to pay XXXX because I had to pay rent and take care of my kids they refused and got a lawyer would not listen to me. I got the XXXX kids thats is a fact
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. I NEVER GAVE EQUIFAX CREDIT BUREAU INC, XXXX XXXX XXXX XXXX, AND XXXX XXXX XXXX PERMISSION TO FURNISH AN ACCOUNT OR PUBLISH ACCOUNT ON TO CREDIT FILE! 

Account name : XXXX XXXX XXXX XXXX acct number XXXX, Account name : XXXX XXXX XXXX acct number 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.

I HAVE CONTACTED EQUIFAX TOLD AND MAILED REQUESTS VIA CERTIFIED MAIL TO THEM THAT THESE ACCOUNTS ARE NOT MINE, AND I ASSUME NO LIABILITY BECAUSE OF IDENTITY THEFT, AND YET EQUIFAX HAS REFUSED TO BLOCK ITEM FROM CREDIT FILE AND OR HONOR MY PERSONAL REQUEST
Product: Debt collection

I have a XXXX XXXX account that due to a financial hardship went to charge off, I contacted XXXX to find a solution. They offered me a settlement to pay a reduce amount of money and just close the account, the settlement was for {$310.00} when the balance was {$770.00}, now I had no money, but I informed XXXX XXXX I would call in a couple days to pay it, they told me the offer was good for the rest of the month. 

A couple weeks later, I called again to pay the settlement, I was informed the account was sold to a debt buyer Portfolio Recovery Associates. I contacted this company multiple times until they were able to access to the account, when finally, they were able to access to my account they said the XXXX XXXX offer had expired and they can not honor. They said they purchased the debt so now they can ask for a different amount. I asked the dollar amount account was sold for, but they refused to answer that question. 

This is an unfair practice from XXXX XXXX and Portfolio Recovery, unfair because XXXX XXXX  sold the account before the settlement offer expires and unfair from Portfolio to do not honor the offer and do not release the sale dollar amount. I completely understand that Portfolio Recovery is in the business of collection unpaid accounts, but they would do a lot of profit on my account even if they honor the XXXX XXXX settlement and if they think I am wrong they can proof it showing the dollar amount of the sale.
Product: Mortgage

I bought my townhouse on XX/XX/2020 during the pandemic with the help of a down payment assistant program of {$11.00}, XXXX, forgivable after 36 months of consistent payment. My mortgage was with Sun West mortgage company ( SWMC ). While attempting to refinance and shopping around, I was told that I have a third XXXX  for {$31000.00} on my mortgage ( deed of trust ) with a guy named XXXX XXXX XXXX XXXX as the trustee and Beneficiary, MERS acting solely as a nominee for Sun West Mortgage Company inc. 
I confronted SWMC and was initially told that it was a grant ( in my understanding ). I inquire about what happened to the grant or why I have a third XXXX  on my title and so far have received no answer or clarification. I tried reaching out to MERS and was told that they are not a mortgage company and to call SWMC. Please investigate, there is a fraudulent 3rd lien on my mortgage account.
Product: Credit card or prepaid card

Last month ( XX/XX/2021 ) I submitted a complaint with the CFPB concerning a promotional fee problem connected with my Chase Bank Sapphire Reserve credit card ending in XXXX. Chase Bank responded in a very timely manner and I thought the problem had been resolved. Chase Bank did not live up to their " No Fee '' promotion on their " My Chase Plan '' zero fee promotion that ended on XX/XX/2021 for major purchases. I made a purchase of over {$6700.00} ( XX/XX/2021 ) that was within the framework of the zero fee promotional period. Today ( Thursday XX/XX/2021 ) I see on the Chase Bank website that I again was charged {$27.00} ( a monthly FEE ) for that major purchase. When I called to dispute the charge I was told that the " {$27.00} refunded last month was only a one-time conciliatory refund, NOT ongoing for the remaining 11 monthly payments. '' That was a contradiction to what I was told 3 weeks ago when Chase contacted me after hearing from the CFPB. Bottom line : Chase Bank has reneged on their No Fee promotion and has done a 180 on what I was told during a conversation with " my advocate '' almost 3 weeks ago. Shame on them!
Product: Credit reporting or other personal consumer reports

I am filing this complaint because a fraudulent XXXX account was opened in my name on XX/XX/year>, without my authorization. I have never opened or used this account and believe I am a victim of identity theft. 

Details of the Issue : I first discovered this account when I checked my credit report. 
I previously disputed this account with the credit bureaus, but my dispute was denied without proper investigation. 
At the time this account was opened, I was living with my father and was XXXXXXXX XXXX XXXX. I was not in a position to open any new accounts and did not authorize anyone else to do so. 
This fraudulent account has negatively impacted my credit, and I am being unfairly held responsible for a debt I do not owe. 

Steps I Have Taken : 1. Filed a dispute with Experian, Equifax, and TransUnion. 
2. Contacted XXXX fraud department to report the unauthorized account.

3. Filed an Identity Theft Report with the FTC and completed an Identity Theft Affidavit.

4. Requested debt validation if this account was sent to collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXn is reporting on my credit that I have an account with XXXXXXXX XXXX. I have no knowledge of that account at all. I contacted both XXXX  and XXXXXXXX XXXX to remove that claim off my report. The account number associated with their claim is XXXX. 
XXXX also reports that I have an account with security credit services, I don't have any knowledge of that account. I mailed and called them to make that dispute and I was told that the couldn't find and information that I have an account with them. So I was confused as to why XXXX would say I do. 
Also Equifax is reporting a fraud report and so is XXXX Equifax and XXXX have those fraudulent credit report as well as a extra fraud claim from collections bureau stating that I have an account with XXXX when I ask for the so-called account number associated so I can dispute it as fraud they told me the couldn't find my account number using my social security number. That they would need my phone number associated with the account but I told them I wouldn't know that number if I didn't make an account with them to begin with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not responsible for this debt. The work that is stated was not done. 

Most importantly they claimed to the attorney general that their patient was XXXX XXXX XXXX we are not that person. 

XXXX XXXX I received a letter back from the Attorney Genrerals office they stated they were going to investigate. 

XXXX XXXX I talked to XXXX at XXXX XXXX about fraud she turned me over to XXXX in the Fraud dept I gave them information to the best of my knowledge. 

XX/XX/2015 I received a letter from XXXX XXXX on the fraudulent use of a card in my name. They also sent out a newly issued card with a different account number ( I did not ask for a new card ) XXXX XXXX I received a letter from Arizona State Board of XXXX Examiners stating they would investigate. 

XXXX XXXX XXXX XXXX responded to XXXX  first time that I saw that someone had used my old XXXX XXXX account and someone signed my legal name on a credit card that is for the name XXXX not XXXX and they signed it XXXX. I found many discrepancies in their story of what transpired during XXXX visit on the XX/XX/XXXX XXXX XXXX I called XXXX XXXX   about the letter sent to me about Forgery that this was not me who signed this card XX/XX/2015 XXXX XXXX claims that a XXXX XXXX XXXX was their patient XXXX XXXX I called back to XXXX XXXX. To cover someones buts they sent out a new card that I did not ask for I talked to XXXX  to make sure the newly issued card that I did not ask for was canceled XXXX XXXX I received a letter another letter from the Attorney General s office that that had pages from the main office of XXXX XXXX that explained their understanding. In this letter they called the patient XXXX XXXX XXXX. ( this person does not exist in my household nor have availability to my credit. At this time I had figured out what they had done at this office. Because my husband and my credit is locked they went around all upstanding business practices and they signed my legal name on my credit card that is in my nickname and used my credit so that they could as predators do work on my husband. 

A I went to the police station in XXXX XXXX Az on this date at XXXX ; XXXX  to file fraud charges. The officer took what information I had at that time and called the XXXX   office. They stated to the officer that my husband handed them that card was physically handed to them. This was impossible as the card is still connected to the award letter to XXXX XXXX XXXX. Card has never been signed and shows it was authorized to XXXX XXXX. 

XXXX XXXX went to Board of XXXX Examiners they found XXXX XXXX needed more education. 

Found out at a later date by Officer XXXX that the local office manager at XXXX XXXX XXXX XXXX was either fired or reprimanded. 







XX/XX/15 XXXX XXXX absolved myself from any responsibility of this debt as a victim of identity theft.
Product: Debt collection

Dear National Recovery Agency ; Ntl grid ; Not mine and this is fraud and duplicate account reported by XXXX different collections companies. I am filing a formal complaint regarding a violation of my consumer rights under various sections of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
According to 15 U.S.C. 602 ( a ), I am entitled to privacy, and 15 U.S.C. 604 ( a ) ( 2 ) specifies that a consumer reporting agency can not furnish an account without my written instructions. I demand that all methods of communication and collections on this account cease immediately. I request the immediate deletion of this account from my credit report as I do not recognize this account, have no knowledge of it, and have no prior contractual obligations with the company in question. 
You have violated my rights under the following sections of the FDCPA : XXXX. 1692d : By engaging in conduct that harassed, oppressed, and abused me in connection with the collection of an alleged debt, including sending a collection letter containing veiled and empty threats of legal action. 
XXXX. 1692e : By using false, deceptive, or misleading representations in connection with the collection of a debt, including the following : * 1692e ( 2 ) ( A ) : False representation of the character, amount, or legal status of the debt in the collection letter. 
* 1692e ( 5 ) : Threatening to take legal action that can not legally be taken or is not intended to be taken. 
XXXX. 1692g ( b ) : By engaging in collection activities that overshadowed or were inconsistent with the disclosure of my right to dispute the debt, as stated in the collection letter. 
XXXX. 1692f : By using unfair or unconscionable means to collect or attempt to collect the debt, as alleged in the misconduct detailed herein. 
Again, I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : XXXX. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. XXXX. What is your authorization of law for your collection of information? XXXX. What is your authorization of law for your collection of this alleged debt? XXXX. Please evidence your authorization to do business or operate in this state. XXXX. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. XXXX. Please provide a complete account history, including any charges added for collection activity.
Product: Checking or savings account

My savings account was used unauthorized by this company online that I currently use. They kept telling me that it was my fault for accounts to change from my current to the other. 
Not true at all. When I saw my payment not go through, I went into account and hit the PAY NOW button ... not realizing my account was switched. They keep blaming me for mishap and not themselves. I'm am very irate. These people are completely XXXX XXXX They always read script-like, telling me they can resolve by me making a new payment. I paid all my bills assuming this was paid because my history of payments are ALWAYS the same. I would have to go out of the way to change my payment options KNOWING there is no money on that account.