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

My XXXX credit report shows 3 medical collection debts, of which I did not receive proper notice of on my credit report.This is interesting, since I previously had an open payment plan with the debt collector and was paying for other medical collections, these should have been included in that payment plan. When I was made aware of these through my mortgage broker I immediately contacted the collection agency and they agreed to remove them from my credit report in exchange for full payment. I have contacted the collection agency several times. They indicate my file has been updated and it takes over 45 days, this not what the law reads. I have opened disputes and they have been closed with the credit reporting agency. I have applied for a mortgage and been denied as a result. This is adversely affecting my credit and needs to be corrected per the FCRA. Your assistance is appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXN & EQUIFAX has been reporting fraudulent accounts on my credit report Ive sent all 3 bureaus a demand and comply letter pursuant to 15 U.S. Code 1681c2 - Block of information resulting from identity theft. 

Now this federal law states Except as otherwise provided in this section, 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Ive attached a copy my drivers licenses My FTC report And a detailed letter stating those accounts are fraudulent and are not connected to me in no way shape or form and was not authorized by me. So as stated above XXXX  had 4 days to remove those items from my credit report. All XXXX bureaus have received my letter through certified mail on XX/XX/2021 or before that date and these accounts are still showing up on my credit report. I want them removed immediately
Product: Credit reporting or other personal consumer reports

After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. Please delete the items immediately.
Product: Checking or savings account

From XXXX to XXXX Navy Federal Credit Union charged my XXXX  account XXXX  of dollars in overdraft fees for purchases or ATM withdrawals. Even charging {$20.00} to {$30.00} per transaction on the same day.I request refunds for all illegal fee charges immediately. Thank you for advocating on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous attempt to notify you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items 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 alleged identity theft. The following items are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX, XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

On XX/XX/2023, received several emails from a collection agency trying to collect a debt of over {$14000.00} owed to original creditor XXXX of South Dakota. The debt collector is TrueAccord Corp. and account XXXX. This is not my debt.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals.

The following fraudulent accounts and inquiries have been identified as a result of this breach : Collections/closed XXXX XXXX XXXX bal . {$23000.00} Data Breach happened, per 15 USC 1681c2 please block and delete this item within 4 business days
Product: Credit reporting

I am allowed by law to request and receive a free credit report each year from each of the XXXX credit bureaus. None of them give me any trouble accessing this information online except Experian. Each time I request my report each year it tells me that they are unable to honor my request and that I must request it by mail by sending them a copy of a government issued ID card and one copy of a utility bill, bank, or insurance statements, which if intercepted by mail, places my identity at risk. However, if I accept their membership and agree to pay a fee, they will immediately allow access to my report online instantly. I feel Experian is denying my free credit report and trying to make me pay money for something I am already legally entitied to.
Product: Mortgage

you still have not sent me a copy of my signature on any kind of deferred payment! And you still don't explain the interest charge?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have ask the credited bureau to do a investigation to make sure every thing was accurate they said they did and every thing was accurate and I did a research of my own and found inaccurate on my report even after they said they did a investigation.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. Account Name XXXX XXXX XXXX XXXX Account Number ; XXXX Account Name ; XXXX XXXX XXXX. Account 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 an account without my written instructions. 15 U.S.C 1681C. ( a ) ( 5 ) Section State ; 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.
Product: Mortgage

Today is XX/XX/XXXX, and I just received notice that on XX/XX/XXXX ( less than 15 days away as is the required minimum notification period ), my home mortgage was being transferred to XXXX and all future payments would go to them. There is no instructions on what happens to any advanced payments I made ( I paid my mortgage through XX/XX/XXXX ), and the reviews for customer reports online for XXXX are horrible - it definitely does not make me feel like my home mortgage is in responsible hands. I am concerned and wish I had received more notice so I could refinance or transfer my loan to another entity. Please advise as to how to remedy this.
Product: Credit reporting or other personal consumer reports

Hi Experian , I RECEIVED A COPY OF MY CREDIT REPORT AND  I SEE  THIS FRAUD ACCOUNT THAT NOT BELONG TO ME  .
THIS XXXX XXXX XXXX XXXX XXXX XXXX  IS WHERE THE FRAUD CREDIT CARD IS ATTACHED AND THAT IS NOT MY ADDRESS.

DELETE THIS FRAUD ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IS FRAUD AND THE CREDITOR AGREED TO DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT . 

ACCOUNT BALANCE IS XXXX  AND I NEVER KNOW ANYTHING ABOUT THIS CREDIT CARD .
Product: Credit reporting or other personal consumer reports

I paid a charged off account in full equaling {$160.00} on XX/XX/2023. I disputed it via Experian and XXXX. I received a reply to my dispute stating I did not pay however I have receipts and if is also verified through online account.
Product: Credit reporting or other personal consumer reports

Im still receiving emails for the bureaus saying im helping credit repair companies which is NOT RUE. I am the one who sent out my letters. please make an action now! or i will sue you. heres the list of negative accounts and inquiries i want to remove Experian : XXXX Account Number : XXXX {$760.00} XX/XX/XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX : XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX {$760.00} XX/XX/XXXXXXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I used the taptap send app to send an amount of {$1300.00} to a XXXX account ( Gtbank account no : XXXX Account name : XXXX XXXX XXXX to deposit XXXX XXXX  into the account base on the rate of {$1.00} to XXXX naira. 

The money was debited from my chase account with debit card ending XXXX but the money was not delivered to the destination account. I sent a mail to XXXX to complain and i was told that the issue will be resolved within seven business days. However, the matter wasn't resolved and after several calls, taptap send replied with a mail on XX/XX/2023 that the money have been successfully delivered with a receipt bearing that the money was deposited by fincra on behalf of taptap send. I replied with account statement of the recipient and evidence from the bank ( XXXX ) stating that the transaction by fincra was not successful. 
since then i have been calling taptap send and they have not been giving me any satisfactory answer except that they are still working on it transaction ID : XXXX Attachments are in this order account statement of recipient for XXXX and XXXX, receipt sent to me for deposit by fincra and evidence from recipient bank that the transaction wasn't successful because of no response from fincra and lastly receipt from taptap send when they debited my account feel free to contact me for any clarification Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I SENT A CERTIFIED LETTER TO XXXX XXXX XXXX XXXX WELL AS THE 3 MAJOR CREDIT REPORTING COMPANIES ( XXXX  XXXX XXXX  XXXX EXPERIAN ) ON XX/XX/2020 ASKING THEM TO PROVIDE ME WITH A COPY OF A SIGNED CONTRACT WITH MY SIGNATURE TO VALIDATE THE DEBT. THEY DID NOT AND IT'S BEEN OVER 30 DAY 'S AND I'M DEMANDING THIS ITEM BE DELETED!
Product: Credit reporting

The federal Fair Credit Reporting Act ( the " FCRA '' ) section 604 outlines permissible purposes of consumer reports. On that outline it is very specific as to what qualifies. Go threw ALL of it and you will notice that it is NOT APPLICABLE to those Hard inquiries. These inquires are not from Collection agencies, Employers, Government Licensing, Insurance companies, National security, or from creditor that I have existing accounts at the time of the inquiries, ect .... I have attached all of Section 604 as proof. Continuing to not follow CRA guidelines after these complaints have been made is willful noncompliance which is outlined Section 616 and 617 and there are legal consequences as outlined. And those legal consequences will be followed threw if willful noncompliance continues. In addition if I must I will send all of these transcripts to Senator XXXX office.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the incorrect reporting of addresses associated with my credit profile by all three major credit bureaus : Equifax, XXXX, and XXXX. Despite repeated attempts to rectify this issue directly with the credit bureaus, the incorrect addresses persist on my credit reports. 

The addresses in question are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX, XXXX, MD XXXX I would like to emphasize that I have no affiliation with any of these addresses, and their inclusion on my credit reports is inaccurate and misleading. This misinformation has the potential to negatively impact my creditworthiness and financial standing. 

I kindly request that the Consumer Financial Protection Bureau intervenes in this matter and ensures that the credit bureaus promptly correct and update my address information to reflect my true residential address : XXXX XXXX XXXX XXXX XXXX XXXX Md XXXX I urge for swift action to rectify this issue, as it is imperative for the accuracy and integrity of my credit reports. Your assistance in resolving this matter is greatly appreciated. 

Thank you for your attention to this urgent matter.
Product: Debt collection

I Signed up for a credit monitoring service ( XXXX ) and noticed accounts reporting to my credit that didn't belong to me. I thought maybe it was just an error with XXXX XXXX XXXX  but once I checked both XXXX and XXXX the same accounts were reporting with different amounts and dates. These accounts are also reporting through a third party collection agency. The collection agencies are listed below : XXXXXXXX XXXX XXXX  {$6600.00} Opened Sep. XXXX, XXXX XXXXXXXX XXXX XXXX  {$1100.00} XXXX XXXX XXXX, XXXX Fraudulent accounts are : JPMCB CARD opened XXXX XXXX, XXXX balance {$1900.00} XXXX Opened XXXX XXXX XXXX XXXX XXXX {$1100.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I told XXXX to delete addresses on my credit report. 
That was not done instead they updated the incorrect information. The only address that is correct is XXXX XXXX XXXX XXXX XXXX, Florida XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

TransUnion Name : 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 Employers : XXXX XXXX XXXX XXXX  Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/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 Experian Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Addresses : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries : 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 XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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  Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collections : 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/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX/XXXX  XXXX Balance : {$140.00} XXXX XXXXXXXX Balance : {$130.00} XXXX/XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$600.00} 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 or other personal consumer reports

XXXX XXXX I filed a complaint dispute with XXXX XXXX and XXXX on behalf of information they are listing from XXXX XXXX XXXX, I.C. Systems, INC and XXXX XXXX XXXX 
Per the FCRA, as a federally protected consumer, I am now opting out all authorization I the consumer may have given you. This includes verbally, nonverbally, written and unwritten permission per 15USC 6802. Effective immediately and indefinitely.
Product: Checking or savings account

i opened an account with suntrust bank. i was asked to make a deposit, which i made a deposit of XXXX . they took it no problem about a week later i go to use my card and it declined. i called the bank and they said it was closed due to fraud. they said i will get a check in the mail. so skip to today i notice my employer sent my direct deposit to the bank of XXXX called the bank and they said its not closed it pending closure. which mean money can go in but no money can go out. they said once my account has no activity for 5 days they will then close the account they then take 15 days to close it and another 15 to send me a check. this is crazy we are in the middle of a pandemic and they want to hold people money for so long. any other bank would have told me up front that i couldn't open an account. and they will not tell me the fraudulent reason, which I never did any fraud.
Product: Credit reporting

This XXXX account for {$60.00} showing XXXX XXXX XXXX on my credit file this account was previous deleted from another credit bureau and this account also do not belong to me. I have call the original creditor XXXX XXXX XXXX who does n't show this account. I do not know why XXXX is still trying to report false and inaccurate information on my credit file. I need this information deleted and permanently.
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violations and case that pertaining to my case attached in XXXX of XXXX, Equifax announced a data breach that exposed the personal information of 147 million people. The company has agreed to a global settlement with the Federal Trade Commission, the Consumer Financial Protection Bureau, and 50 U.S. states and territories.XX/XX/XXXX The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. The items in dispute are as follows : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 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
Product: Debt collection

COLLECTOR KEPT CALLING MY CELL AND IS COLLECTIONS ON ILLEGAL DET