23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Collections notice dated XXXX/XXXX/2014 for {$540.00} from XXXX of XXXX Florida has appeared on my Credit Report. No previous invoices or collection notices were ever mailed to me. There is no account number on the report from Equifax. I will be disputing this notice immediately, as I have and have always had XXXX XXXX and I 'm positive there is a confusion on their side. 
Plus, I had Identify Theft problems that appeared on my IRS 2014 taxes that the IRS made me aware of and I took immediate action to rectify that urgent matter.
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX  filing this complaint. The stuff on my credit report is wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX has violated my rights.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX Skrill locked my account for a review. They said i had to contact them to get help ; I called them multiple times during that week and was told that i would get an answer in 2-3 days. I didn't get a response until a week later and they haven't told me why my account was locked and for how long. They asked me for a bunch of pictures of my credit card and bank account and asked me a bunch of personal questions about myself and my friends/family just for them to leave my account locked and stop responding. now when i call they say they cant take y call. They will often randomly lock up your money for months with no reason or response.
Product: Credit reporting or other personal consumer reports

Despite my persistent efforts, these concerns persist. Your firm 's response to my credit report dispute dismisses my request for verification as " frivolous '' or " irrelevant. '' If my initial request to verify these items, as outlined in my previous certified mail, is ignored, I'll escalate the issue by filing a complaint with the Federal Trade Commission. It's crucial for a reevaluation of the information to occur. I urge your firm to provide validation of the alleged items, particularly through documentation such as contracts, notes, or signatures. Without such evidence, the immediate removal of these disputed items from my credit report will be necessary.
Product: Credit reporting or other personal consumer reports

I filed a dispute with TransUnion for my personal information meaning my name and address has XXXX different names and addresses that need to be deleted please. I only have one name and one address.
Product: Credit reporting or other personal consumer reports

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Employer - XXXX XXXX XXXX Employer - XXXX XXXX XXXX Employer - XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX  - XXXX Listed below are the Collections that are being challenged XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Checking or savings account

On XX/XX/XXXX I provided a written request via Sallie Mae 's online portal for the closure of my CD account and gave instructions to XXXX XXXX on where to transfer the proceeds. The account matured on XX/XX/XXXX, and this fell within their terms and conditions regarding the closure of my CD account which may be closed up to 30 days prior and no later than 10 days after. 

I had successfully closed a CD account on XX/XX/XXXX with this exact same method. 

On XX/XX/XXXX I received a response from XXXX XXXX, with a counter offer and a threatening remark that my CD account would renew if I did not respond within 10 days of maturity. 

I unfortunately did not receive this reply until after this time period expired. Based on my written request to close the CD I expected the CD to be closed. I'm now told that my CD has automatically renewed with no recourse other than penalty. I asked for additional clarification in their terms and conditions and I received a response from a compliance analyst XXXX XXXX citing the relevant agreements and their ties to XXXX XXXX XXXX. 

Unfortunately I can't find clear terms in their agreements regarding why my account should have not been closed when I made the request on XX/XX/XXXX as they had done with my prior account. I'm lucky to have 20+ years in the banking and regulatory environment and some of Sallie Mae 's responses were concerning to me, particularly if I had been a typical consumer. I'd be more than happy to provide these to you. Thank you for your time and help.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I have been writing to dispute certain information in my file resulting from the crime. The items I have disputed that are included in my identity theft report do not relate to any transactions I have made or authorized. FTC Report attached. 


Account : XXXX. 

Account : XXXX Removed as a collection but Shows as a closed Account on my credit file. 

Account : XXXX XXXXXXXX Removed as a collection but Shows as closed and reports a late. 

Account : XXXX XXXX Removed as a collection but Shows as a closed Account on my credit file.
Product: Credit reporting or other personal consumer reports

Consumer Name ( XXXX XXXX ) XXXX Social Security Number : ( XXXX ) Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ) that you, the TransUnion, XXXX XXXX XXXX XXXX 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 7 Separate fraudulent accounts appearing on my consumer FICO report which i do not recognize as reported and which are the result of identity theft and traud. These fraudulent accounts consist of a 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 XXXXXXXX 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

I am a natural person, am a living human being, have rights under 15 USC 1681. 

XXXX, TransUnion, XXXX are governed by 15 USC 1681. And they violated my rights numerous of times. demand the accounts listed below be remove because According to 15 USC 1681 : have the right to privacy and I did not give XXXX written permission to furnish these accounts. 

BANKRUPTCY
Product: Credit reporting or other personal consumer reports

These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. thanks hard inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Date : XX/XX/year> XXXX XXXX  : Date : XX/XX/year> XXXXXXXX XXXX : Date : XX/XX/year> XXXXXXXX XXXX : Date : XX/XX/year>XXXX XXXX XXXX  Date : XX/XX/year>
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX, XXXX. Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX 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
Product: Credit card or prepaid card

On XX/XX/19, I submitted two gift cards sales to XXXX, which advertises that payments are turned around in 1-3 business days. It's now been close to a month and all effort to reach said company have been fruitless. The amount of each transaction is {$15.00} and {$38.00}. I have called numerous times, left voicemails that go unreturned, and sent emails that are never answered. For business practices like these, they deserve to go out of business.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year I contacted the credit agencies by mail and mentioned to them about the unauthorized hard inquiries on my credit report and submitted my identification and electricity bill. I asked them to remove them from my account. Till this day they aren't removed nor did I receive a response
Product: Credit reporting or other personal consumer reports

attached is the CERTIFIED MAIL FROM XXXX XXXX. Equifax is discriminating against me and refuses to pick up my mail that i sent. Its been over 60 days and no response nor results!!! This is illegal and blatant violation of my federal rights. 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of 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. It has been well beyond 30 days and you are in VIOLATION of this law because I am victim of identity theft!!! Please delete these items as soon as possible! XXXX XXXX Account # XXXX XXXX XXXX  XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX LOAN SERVICING Account # XXXX XXXX  XXXX  Account # XXXXInquiries XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022 These accounts should not be furnished on my consumer report as they are in violation Under 15 US Code 1681b - A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) IN ACCORDANCE with the WRITTEN INSTRUCTION of the consumer whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. No CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts IMMEDIATELY.
Product: Credit card

I was charged {$1700.00} Euros for a {$40.00} euro taxi ride. We were not given a receipt for this transaction. The bogus charges were removed from my account pending investigation. Chase then provided a bogus " receipt '' from the fraudster with a handwritten " I received this service '' with obviously forged initials that did not resemble my name or initials. The fraudulent charges state that we were driven around for XXXX hours in a XXXX XXXX for {$1200.00} euro and then taken to the airport on XX/XX/XXXX for {$300.00} euro. I proved that we were taken to our hotel on XX/XX/XXXX and spent the night in XXXX. We then took an XXXX transport to the airport on XX/XX/XXXX for our flight out on that date. We provided our XXXX receipt for {$44.00} euro and a copy of our airline receipt showing our flight was on XX/XX/XXXX. We did not go to the airport on XX/XX/XXXX and would never pay {$300.00} for a trip that we know cost around {$45.00}. We were not driven around XXXX in a XXXX XXXX we were driven a few miles from the train station to our hotel. 
After furnishing copies of our hotel receipt, XXXX ride to the airport, and copies of our flight on XX/XX/XXXX the charges were removed. 
As soon as we discovered this fraud on our statement in XX/XX/XXXX we reported it to Chase. They suggested we cancel the card to prevent further fraud which we immediately did. We then provided more information to show the charges were not incurred. 
After a few months, we received a letter from Chase on XX/XX/XXXX, stating that they had reviewed the case and " you received a benefit from this transaction. '' The only benefit we received was a XXXX taxi ride from the train station to our hotel. I have talked to Chase repeatedly and they have been very curt in their conversations. The customer service reps have agreed that these charges appear fraudulent, but there is nothing they can do about it.
Product: Debt collection

On XX/XX/XXXX, I advised XXXX XXXX XXXX  of a fraudulent order on my account. An individual walked into a store in XXXX and purchased an XXXX under my account. I had numerous calls with XXXX XXXX XXXX and numerous online chats advising them of this fraudulent charge, and I also went to the store in XXXX where the purchase took place to get a confirmation of the order and the video. Unfortunately, the manager could not locate and provide the receipt or the video after XXXX days. After 5 or 6 months, I was told by XXXX XXXX XXXX that the charge was coming off. Three years later, in XXXX, It showed up on my credit through a collection agency. I immediately reached out to the collection agency they told me that XXXX XXXX XXXX confirmed the charge and moved it to collections. I asked them to remove the deliquent mark and needed this to be corrected. I volunteered to pay off this debt, which I did to remove it from my credit report, and I would pursue it with XXXX XXXX XXXX again. I have requested this to be removed numerous times, but they have been unwilling to do so. This is preventing me from closing a loan on our home
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bereau stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal You also violated my rights under 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 Also the Credit bureaus took more than 30 days to complete my investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Credit Bureau has been charging me {$21.00} four times since XXXX. I cancelled the free trial on the 6th day so I should not have been charged. When I call they tell me that the charges will be refunded instead I get charged again the next month.
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. 
XXXX  Unauthorized Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX  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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I had just started working for XXXX XXXX XXXX and needed proof of a settlement or a payment plan with the debt collectors to an apartment complex I resided at. I had broken my lease left before finishing my contract do to some family problems, to finish my on-boarding with the company my leasing manager provided me the information to the debt collectors and to contact them as soon as possible and set up a payment plan because I wouldnt be able to pay the whole amount upfront. I got in contact with the manager  XXXX on XX/XX/2018 and he seemed nice then did explain to me he could take off a few {$100.00} from the debt if I paid that day I stated I still wouldnt be able to afford it and wanted to do a payment of XXXX $ a week he advised me to apply at some company called XXXX   and once I got approved to give him a call right back. So I applied and noticed it was like a payday loan or loan company lucky me I wasnt approved, I called back and informed him I wasnt approved and just wanted to go ahead and do the {$100.00} every Friday from my debit card he agreed and took my card information and I asked for the proof of the agreement we made he stated hed send the statement through email. I finally received the statement but my manager said it had nothing to do with the agreement we had over the phone. I emailed XXXX back informing him that I would need actual proof about our payment plan agreement. Note I was very scared Id lose my job so I was willing to work as hard as I could with the debt collectors. He acted like he never had the conversation with me about a payment plan I had stated I wasnt going to be able to afford it so Id want a payment plan of the {$100.00} every week since I had been jobless for awhile do to problems I was having at home so he offered me XXXX if I didnt get approved then we could go forward with our plan B ( payments of {$100.00} ). 
So I called back and every time Id get someone different so my manager advised to wait till Friday   when my payment would be drafted and if not call right back on Tuesday  XX/XX/2018 since Saturday theyre most likely be closed and on Mondays I was off. I sent an email to XXXX but only wanted me to call and seemed so rude over the emails so my Manager decides shed call with me and the CSR did state I did talk about the {$100.00} a week but he stated I wouldnt get any kind of proof till I finished the full amount.
Product: Mortgage

I was scheduled to close on my refinance through Amerisave Mortgage on XXXX XXXX, 2021. The closing agent never showed up. The loan officer was unable to find another closing agent but assured me he would eventually and that I would not lose my rate lock. Later in XXXX I learned that they did in fact lose my rate lock and the interest rate had increased. They offered to proceed with the loan at the higher rate or refund my {$500.00} application fee. I opted to terminate the loan with Amerisave because I could no longer trust their word and asked for a refund on XX/XX/XXXX. I was told it may take up to 2 weeks to process the refund. 
It has now been 6 weeks and no refund.
Product: Credit reporting or other personal consumer reports

I submitted a letter in writing of validation of debt owed. Nothing has been done.
Product: Credit reporting or other personal consumer reports

FRaudulent acccounts XXXX  XXXX XXXX, and XXXX XXXX XXXX must be removed from my credit report after required documentation was submitted. I was denied credit becaUSE OF THIS. 

I SUBMITTED MY POLICE REPORT ID SOCIAL SECURITY CARD AND A BANK STATEMENT. these companies have incorrect addresses and phone numbers for me. 

The Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to remove inaccurate or unverifiable information from a consumer 's credit report. This includes accounts that are erroneous, incomplete, or outdated.
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. Equifax must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report. 

XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$430.00}, XXXX  XXXX XXXX XXXX : {$81.00}