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

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/2023. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
PLEASE DELETE THIS FRAUDULENT ITEM : XXXX XXXX XXXX XXXXXXXX
Product: Credit card

A year ago I purchased a bed from XXXX by setting up monthly payments with no interest for 18 months. Today I decided to pay off the remaining balance. When I went onto their website I noticed that they have been charging me a late fee of XXXX with interest for late payments every month. I have autopay!!. They said it was n't through their company but through my bank and my bank was n't paying it on time. WHAT??? I set up the autopay through XXXX 's online site. They basically said I was out of luck. More like out of XXXX of bogus charges. They did eventually credit me XXXX big deal. This credit card company is ripping people off and needs to be held accountable just like XXXX XXXX. Please look into this.
Product: Debt collection

On XX/XX/2023 I received a collection notice dated XX/XX/2023 on my XXXX credit report from CREDIT CONTROL , LLC, that the original creditor : XXXX XXXX, shows a past due balance of {$2300.00} in my name for an address XXXX XXXX XXXX XXXX XXXX, TX XXXX. 

I have never had a XXXX XXXX account or been associated with that address or even been to the city of XXXX. 

After immediately contacting XXXX XXXX at XXXX on XX/XX/2023 ( forwarded to XXXX ), they refused to provide me with any account information until I produced a government ID in person at a store. The closest XXXX store is a 5+ hour round trip drive away from me. 

I have called the collection agency multiple times and left a detailed voicemail on XXXX during their posted hours however, there was no response. 

At this point, I do not know the account number, what product or service was purchased, or even what date the fraud occurred. I can not submit XXXX 's internal fraud report because I have no information to create a police report. I welcome the opportunity to verify my identity ( other than traveling 5+ hours ) and welcome an opportunity to work with XXXX should they provide it. 

XXXX XXXX XXXX XXXX XXXX XXXX  ) failed to verify the identity of the individual opening the account. Now they fail to provide any proof of debt or any details about it. Furthermore, XXXX  fails to have procedures in place for non-local consumers to prove their identity or resolve fraud issues.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I received a credit alert from XXXX that a new line of installment loan of {$300.00} was opened in my name and my credit score dropped by XXXX points as a result. Due to this information, I activated a credit fraud identity alert to all the credit reporting agencies and also put in a freeze in my credit report to ensure no unauthorized loan is opened in my name until this issue is sorted out. 
I later reported the issue to XXXX XXXX XXXX XXXX about an unauthorized installment account that was opened in my name and that they should investigate and removed that account from my credit report since it is an unauthorized and fraudulent account. To my surprise, XXXX XXXX XXXX XXXX reported back to me through email that they have concluded their investigation and the account was reported correctly ( see attached ). 
I have issued another complaint to XXXXXXXX XXXX XXXX with more information but they still not willing to close this account and report back to the credit monitoring bureaus so that it can be taken off my credit score. 
Please kindly assist in this regard. Thanks
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$2700.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX {$2700.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$680.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$460.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

Please see attached ID theft documentation which shows and supports the listed Inquires need to be removed as required by law within 4 business days of receipt. Also update Credit Acceptance Account Payment History to ALL Payments made on time since at no point was the account EVER XXXX days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

When i was XXXX i got a credit card from wells fargo im XXXX and still am not able to get it given back or any credit anywhere after accidentally putting it in an atm machine. It was identical looking to my debit card with wells fargo. I extremely extremely need an end to this distasteful closing of my account. I cant even get married because i cant get credit since. I made every payment on time and in full for a year before the " incident ''. Ive had to turn down XXXX proposals over this because i cant make my party happen. Help
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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX AUTO : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX VOL XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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.
Product: Credit reporting or other personal consumer reports

These XXXX XXXX XXXX XXXXExperian Have refused to remove these fraudulent hard inquiries off my credit report. It is affecting my over all credit score. I have disputed these items over and over. And yet they refuse saying its valid but theres no proof .I have reached out to these companys who stated they have no records of me at all. I have attached my credit report as proof.I never gave permission to any of these companys to review my credit. XXXX XXXX is the only non fraudulent inquiry .All others are fraudulent. I do not recognize the following. XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/2022, all in which i have sent certified Postage from USPS. I submitted a request to block information on my consumer report as I am a victim of identity theft. This is not a dispute, however CRA has chosen to forgo federal regulation and apply their company policy to treat this as a dispute. I called them and XXXX Department manager stated that their policy supersedes FEDERAL LAW ( which states ( a ) Block A consumer reporting agency shall block the reporting of any information that is on 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 by such agency of - ( 1 ) appropriate proof of identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by consumer ; and ( 4 ) a statement by the consumer that the information is not information relationg to any transaction by the consumer. I submitted proof of identity theft report from the FTC, the notices of furnishers, My drivers license, The accounts that are fraudulent and also a statement that these accounts needs to be deleted without recourse under federal law.
Product: Mortgage

On XX/XX/2018, Federal Judge for the XXXX  District of South Florida XXXX XXXX. XXXX reopened the Bankruptcy case no. XXXX. The order was furnished to Select Portfolio via email to XXXX on the same day. We also spoke with servicer 's representative to confirmed receipt of Judge order and to discuss the sale date for XX/XX/2018. 

Because the Bankruptcy case was reopened the foreclosure action including the sale date must be canceled and the action must be placed on " inactive status ''. Select portfolio stated that they were aware of the case reopened because they have a system called PACER. 

Although the servicer had knowledge to the bankruptcy stay order they failed to cancelled sale date for XX/XX/2018 and place the foreclosure case in inactive status. The servicer 's action is a violation of Bankruptcy code 11U.S. Code 362 -Automatic Stay. 

The servicer has disregard for Federal Rules and also has engaged in Unfair business Practices. Cuurently we are being reviewed for a loan modification. The servicer continues to request documents over and over again just to get closer to the sale date. SPS continues to be deceiving in connection with the loan modification review. When we satisfy all loan documents requirements, SPS would communicate that no other information is needed and that underwriting will have a determination within 30 days. Instead of making decision, SPS will request document all over again and start at new. SPS has been playing this game for a while. There only objected has been to get closer to the sale date.

At this juncture we request for sanctions. SPS has violated Bankruptcy code 11 U.S. Code 362 and continues to deceived us in connection with the loan modification request and process. Sanctions are appropriate.
Product: Money transfer, virtual currency, or money service

Multiple fees charged for services rendered that see lot approved additional fees
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested and received a free copy of my credit report ( dated XXXX XX/XX/2021 ) from the Experian Credit Bureau. The bulk of the information was accurate except that there were two previous addresses which were incorrect and did not belong there. I submitted a written request ( via USPS ) to have these two addressed removed. On XXXX XX/XX/2021, I received an email from my estranged brother advising me that he received two email from Experian advising that my dispute results were available. He forwarded these emails to me and I subsequently called Experian to find out what was going on. 
An Experian agent advised me that they responded to my dispute via the only email that they had on file for me. I advised them that I have never provided an email to them, in fact, my only correspondence with them has always been in writing and via US mail. They also advised me that I had an account with Experian. Apparently, an account was set up in my name with a password, a PIN, a security question and my brother 's email address. After going back and forth with the agent, I convinced them who I was and was allowed access to the account. I took this opportunity to change all the information except for my brother 's email address. 
I stated that I wanted this investigated as an identity theft and asked that charges be filed. I was told that I needed to file a police report to get that started. I filed the police report with the XXXX XXXX Police Department on XXXX XX/XX/2021. A copy of this report was forwarded to Experian along with additional proof of my identity. Experian responded by issuing a fraud alert - and nothing else. 
I tried multiple phone call to Experian to emphasize my desire for answers. I finally wrote to Experian on XXXX XX/XX/2021 and repeated my request to have this matter investigated and prosecuted. I received a generic response that a fraud alert was issued per my request. ( I never requested a fraud alert ; only an investigation. ) I strongly suspect that it was my estranged brother that committed this act, however, I can't guess what his motive was. I can not pursue this matter on my own as I have no idea where this crime generated from. Only Experian can help me with that. 
I would think that Experian would have some concern regarding someone breaching their system but they have shown no interest. I want to know how this happened, who committed this act, and see a referral to law enforcement.
Product: Checking or savings account

I have banked with chase for a very long time now and never had a fraud problem every. Im a XX/XX/XXXX XX/XX/XXXXr who had a bad time due to catchingXX/XX/XXXXXXXX I applied for a XXXX loan and was approved on XX/XX/2020. I then used money and was back in scape and better health to get my business running again. I lost my debit card the end of XXXX so I went into branch to deposit some money on XX/XX/2020 I was profiled by the telling seeing the amount of money in my account and I wasnt up to part that day. Without my knowing chase closed my account and took 19,000 from me stating I accepted the loan in a personal account instead of a business account.It was not a requirement to put it in a business account. And I also explained to them I was profiled because I had the loan over a month now and once I went into the branch my account got frozen I also spend have of the money putting into my XX/XX/XXXXand chase added my money I walked in or was direct deposited into my account in total of the loan amount and took that as well. They ask me to provide documents from taxes which I did and they told me a 1099 was good enough. Once again I explained to them Im a small business owner who applied threw my social security so I dont have a EIN. Nothing I have provided is good for them to release my money it has been over a month they took my money and now Im back in the struggling stage. I also called asked them to send it back to the lender which is XXXX and I was denied that as well I was told the money will be with chase for 2 years then released to me
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer 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. 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 a personal credit card account opened at XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXXXXXX XXXX on XX/XX/XXXX with a balance of {$40000.00} that appears related to the aforementioned personal loan account opened at 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 # ( private case number ) 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 or other personal consumer reports

To whom it may concern : I was just looking over my credit report and found some addresses that appear to be incorrect. I've enclosed documentation providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which I would like removed please ) : ( Previous / Incorrect Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX There should only be one address listed on my report, which is XXXX XXXX XXXX XXXX XXXX, SC. XXXX I also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : 1. XXXX XXXX Please remove inaccurate employers as well as listed below : XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) XXXX. XXXX XXXX Once you have deleted the inaccurate names and addresses from my credit report, please send me a copy of my updated report. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is NOT a duplicate report and this is not filed by a XXXX party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 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 an account without my written instructions. 

Account Name : XXXX ( Original Creditor : XXXX  ) Account # XXXX Account Name : XXXX XXXX ( XXXX XXXX : XXXX XXXX ) Account # XXXX Account Name : XXXX ( Original Creditor : XXXX  ) Account # XXXX Account Name : XXXX ( Original Creditor : XXXX ) Account # XXXX Account Name : XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX Account # XXXX Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account # XXXX Account Name : XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX Account Name : XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX  ) Account # XXXX Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX ( Original Creditor : XXXX  ) Account # XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX Account Name : XXXX ( Original Creditor : XXXX ) Account # XXXX Furthermore, please provide the following : XXXX. The Original Contract With My Signature On It XXXX. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) XXXX. The Payment History and Itemized Billing Associated With Each Account XXXX. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thanks
Product: Debt collection

I am a XXXX XXXX XXXX adult who has lived away from home for more than a decade, but XXXX XXXX sent a letter to my parents ' address to try to collect a 4.5 year old medical debt that was never known to me. They said that they would accept 90 % of the original debt and consider it settled or report it negatively to credit bureaus if I didn't comply, but I was never informed of the original debt nor was my insurance ever billed for it. My attempts to contact the original medical facility to inquire about the debt went unanswered as the establishment does not seem to exist and I have no record or recollection of ever receiving services with a provider affiliated with XXXX XXXX Providers. After repeated harassing phone calls by this collections agency, I sent them a certified letter asking them to send me back a certified letter to explain that they were in compliance with HIPAA and had my signature on file to view my medical information, to verify the debt, and to stop calling me. This letter was delivered to their office on XX/XX/2021. The company never responded to this certified letter, never verified the debt, and has continued to call despite my explicit request not to contact me in this manner.
Product: Mortgage

TO WHOM IT MAY CONCERN, it all started when they mailed my final loan modification documents to the wrong address. I completed my trial and continued to make payments because that's what i was told to do by an agent from XXXX. They returned my last payment and told me because that i was denied because they never received the final documents. I told them i never received them they told me sorry we cant help you i begged them to allow me to keep my current trial and for them to resend the documents they refused. At that time i was up to date with my payments. I kept reaching out to try to negotiate months have gone by with no response from them at the end of XXXX I received a call saying that i had until XX/XX/XXXX to give them {$19000.00} to reinstate my loan modification. They gave me 3 days to come up with all money when months before they turned me down day after day month after month. Then they reached out saying we can give you a couple more days which at that point another month was added they asked me for {$23000.00} Then they reached out to me when i told them that was impossible they told me sorry that's all we can do. If they had good faith they should of postponed my sale date and its active for XX/XX/2022. They just want me to loose my home they have been playing with us all this time taking advantage of us. I was on time to solve this back in XX/XX/2022 but instead they dragged me up to XX/XX/2022. I did advised them that i was willing to start fresh they are ignoring us at this point I keep asking for an update on my auction and no one has even gotten back to me. All they want is to take my house.