23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On this date XXXX I went into the bank to close my account an was told to do it over the phone but as I try to do so my funds was closed while I still had XXXX in my savings I withdrew XXXX an still had XXXX in my savings an it disappeared an they said they camera doesnt go back to that date but they was giving me the run around like they was sending me a check for the remaining amount that was left in my account that was sense XXXX an when I came to the bank they just kept giving me the same run around
Product: Credit reporting or other personal consumer reports

I recently checked my Experian credit report and seen 19 unrecognized inquiries. 
I dont know these companies or I havent done business with these companies for it to be inquiries reporting on my credit profile. 

Names of unrecognizable inquiries with dates below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I AM VICITM OF AN IDENTITY THEFT, AND I HAVE BEEN CONTACTING EQUIFAX THE CREDIT REPORTING AGNECY FOR ALMOST A YEAR NOW ASKING THEM TO REMOVE THE FRAUDULENT CLOSED ACCOUNT FROM MY CREDIT REPORT. I HAVE ALSO CONTACTED THE CREDITOR XXXX DIRECT AND THEY HAVE CONDUCTED A REVEIW AND HAVE CONCLUDED THAT THE ACCOUNT WAS OPENED FRAUDULENTLY. THEY HAVE PROVIDED PROOF TO ALL 3 BUREAUS THA THE ACCOUNT SHOULD BE REMOVED. NOW OVER 6 MONTHS XXXX   AND XXXX XXXX HAS REMOVE THE FRAUDLENT ACCOUNT FROM MY CREDIT REPORT BUR EQUIFAX REFUSES TO REMOVE IT. I STRONGLY BELIEVE THAT EQUIFAX SOLD MY INFORMATION AND THEY ARE DISCRIMINATING AGAINST ME. I NEED THE XXXX ACCOUNT OPEN DATE XX/XX/2017 REMOVED FROM MY CREDIT REPORT IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disturbed that the credit bureaus are continuing to list the dismissed/discharged bankruptcy as confirmed within my credit file. The Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order of relief. Any case, civil or otherwise, which is dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, they have no right to maintain information which the government has deemed nonexistent. Therefore, pursuant to section 1681 ( a ) ( 5 ) of the FCRA, XXXX, XXXX, Experian, must delete this information from my credit report, and i asked them on several occasions starting ( XXXX2018 ) by sending letters to send me an updated copy when this action is completed. All bureaus have not removed the items from my credit as of today. They continue stating verified and updated and stating XXXX  or Clerk of Federal Court are were they are verifying the information to be true but i have letters from Clerk of Federal Bankruptcy Court and Pacer and my full disclosure file from XXXX XXXX  that states no Bankruptcy and i have sent to all 3 bureaus and they refuse to remove all bankruptcy 's and items involved in the bankruptcy 's
Product: Credit reporting, credit repair services, or other personal consumer reports

24 inquiries on credit on XXXX that. I was victim of them placing and removing and replacing on my report and the refuse to remove them. Or take care of this issue! Please fix this!
Product: Credit reporting or other personal consumer reports

( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, XXXX, and Experian about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Product: Credit reporting or other personal consumer reports

I am wanting to get these inquiries off my credit report because I DID NOT authorize these companies to run my credit. I have filled out an FTC report that is attached as well. 

Companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This Collection agency Company Convergent has failed to provide proper verification of the account they brought from XXXX. This company has not and could not provide information like documents bearing my signature that I owe ( {$2400.00} ) to them or to any company. I want signed documentations from this company saying that I owe the amount they are trying to collect. I have written letters to Convergent about providing proof of documentation bearing my signature that the account belongs to me. They said the account was sold to this company Convergent. Dont matter the original creditor have the same account number as the collection agency. XXXX and Convergent different companies have on my credit report. I feel they are trying to be smart by having the same account number under two different companies on my credit report which neither provided proof of documentation bearing my signature stating that I owe ( {$2400.00} ) then all files under my name and my social security number on my credit report should be deleted. I remind you that a person looking at the computer with this account number with my name to it doesnt prove that I had signed any documentation that I owe the account. I have not signed any forms claiming the account. I also had XXXX XXXX and XXXX to investigate this company/companies, and all they have done was let a person verify the account number with my name to it over the phone instead of telling them to fax signed documentation bearing my signature associate with the account number. That is not prove that this account belongs to me. I want documentation bearing my signature that I have signed to owing this account. If this company/companies can not provide or validate that information that I am requesting, then it should be deleted from my credit report. A person or person should be able to provide and validate documentations bearing my signature associate with the account. I am willing to go to a small claim court In my state and city to clear this matter up with this company. I want validation of this account bearing my signature. Any copies of documentation is requested and if not then the entry on my credit report should be deleted immediately. I will be suing the company if no validation is proven bearing my signature for ( {$5000.00} ) in damages 1 ) defamation 2 ) negligent enablement of identity fraud 3 ) violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act ; XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

I paid off my XXXX  XXXX on XX/XX/XXXX and was told that the lein would be released and that the title would be mailed. As of XX/XX/XXXX I've not received the title. I've call 4 times during the wait asking about a status and they said it was mailed and would be received within 10 business days. The 10 days have come and gone twice and still no title. Today when I spoke to Chase they said a new title was mailed on the XXXX and I needed to wait another 10 days. I've not been able to sell this car and have continued to maintain insurance. In addition, a dealer offered to purchase but said the new XXXX XXXX XXXX  value book would be coming out in XXXX and he expected the values to show a decline. 
Therefore, because of these deceptive practices I have been financially impacted through no fault of my own.
Product: Debt collection

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the 3 bureaus are having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Below are the accounts that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : 1. MEDICAL DATA SYSTEMS I XXXX Date Opened XX/XX/2019 Balance {$0.00} ; 2. MEDICAL DATA SYSTEMS I XXXX Date Opened XX/XX/2019 Balance {$0.00} ; 3. MED DATA SYS XXXX Date Opened XX/XX/2019 Balance {$0.00} ; 4. Original creditor : XXXX Date Opened XX/XX/2019 XXXX {$0.00} ; 5. Original creditor : XXXX Date Opened XX/XX/2019 Balance {$0.00} ; 6. Original creditor : XXXX Date Opened XX/XX/2019 Balance {$0.00} ; 7. Original creditor : XXXX Date Opened XX/XX/2019 XXXX {$0.00} ; 8. Original creditor : XXXX Date Opened XX/XX/2019 Balance {$0.00} ; 9. Original creditor : XXXX Date Opened XX/XX/2019 Balance {$0.00} ;
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Removal of Late Payment Due to XXXX Hardship Dear XXXX XXXX XXXX XXXX writing to request the removal of a late payment from my account [ Account Number ] XXXX dated XX/XX/XXXX and XX/XX/XXXX Due to the financial hardship caused by the XXXX pandemic, I was unable to make payments as scheduled. Under the CARES Act, I request that this late payment be adjusted or removed in light of these circumstances. 

Thank you for your consideration and understanding. 

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

When I investigated my credit report, I realized that some of the information was erroneous.3 credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX  XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit information was lost in national breach. There is no way around not having all your information automatically reported and out there to be stolen from negligent reporting agencies. Freezing your credit report should be free. There should not be a fee to protect yourself, especially with as little care as these companies have protecting your data.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX Washington, DC XXXX Subject : Complaint Against Experian for Failure to Update Rental Payment Information Dear CFPB, I am writing to formally lodge a complaint against Experian regarding their refusal to assist in correcting and updating my rental payment information for XXXX, as reflected on my rent ledger provided by XXXX. 

Despite my repeated attempts to resolve this matter directly with Experian, they have willfully failed to comply with the requirements set forth under the Fair Credit Reporting Act ( 15 USC 1681n ). This violation of my consumer rights is causing significant distress and potential harm to my credit standing.

Under 15 USC 1681n, any consumer reporting agency that willfully fails to comply with the requirements of this subchapter is liable for damages, which may include {$1000.00} per violation, actual damages sustained, punitive damages as the court may allow, and costs of action including reasonable attorney fees for any successful action to enforce this liability. 

I am prepared to pursue legal action against Experian for these violations and seek the appropriate damages. I kindly request that your office investigate this matter and provide assistance in ensuring that my rights as a consumer are upheld. 

Thank you for your attention to this serious issue. I look forward to your prompt response. 

Sincerely,
Product: Debt collection

The Law Office of Arnold Scott Harris PC has called repeatedly since XX/XX/XXXX claiming I owe a debt to the Illinois XXXX. They say I must pay them directly, and give me the number of the violation. I have contacted the XXXX and the XXXX county court and no such debt exists. They continue to call and harass me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting company TransUnion is not complying with their own policies in a timely manner. I mailed my dispute XX/XX/2021 about XXXX XXXX having no permissible purpose nor my consent to have the account on my credit file. I do not recognize it and I have no results or findings from their investigation. It has been well over the 30 days.
Product: Credit reporting or other personal consumer reports

This address XXXX XXXX XXXX XXXX NY XXXX doesn't belong on my credit report and it's a fraudulent address and a fraudulent account is also associated with my credit report that docent belong on my reports either.This is a violation to privacy as stated in 15 U.S.C 1681 section 602 A. States I have the right to privacy. this is violating my consumer rights and is unlawful I'm requesting for this account to be removed immediately off my credit reports
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXXXXXX XXXX XXXX XXXX XXXX : {$3300.00} ; XXXX XXXX XXXX XXXXXXXX XXXX : {$1900.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00}.
Product: Mortgage

Servicing of my mortgage was transferred from XXXX ( XXXX ) to SLS ( Specialized Loan Servicing ) as of XX/XX/2016. Before the transfer of servicing, XXXX paid my first half county property taxes from my escrow account. On XX/XX/2016, SLS paid my second half county taxes, which should not have been paid until XX/XX/XXXX, from my escrow account. This resulted in an insufficient escrow balance from which to pay my homeowner 's insurance bill ( due XX/XX/XXXX ). After calling SLS and discussing my options, I felt it was easiest to simply add additional moneys to my XXXX payment to bring my escrow account balance up to cover my homeowner 's insurance premium. However, SLS neglected to apply the additional funds to my escrow account and proceeded to apply them to my outstanding principal balance. I phoned SLS on XX/XX/XXXX and pointed out the error. I was assured that the error would be corrected and the funds would be correctly applied within 2 business days. On XX/XX/XXXX, the error had not been corrected and my monthly escrow payment had been increased by 50 % due to the 'shortage '. I repeatedly tried the customer service numbers available to me on the SLS website and every attempt to speak to a representative resulted in being disconnected. After finally managing to speak to an individual ( XXXX ) via the number for the SLS insurance department, I was transferred to XXXX in 'Executive Services '. XXXX simply told me he saw that someone had made a request to correct the error, but he was unable to actually do anything to correct the problem because it had to be done by the 'Cashiering ' department. He was unable to provide a number for said department or contact them directly and expressed no regret or inclination to help me beyond repeating what the previous representative had told me a week earlier that the funds SHOULD be correctly applied in 2 business days that and I would receive a new escrow analysis within a month.
Product: Debt collection

1 Remaining Negative Account. 

Account Name : XXXX Account Number : XXXX
Product: Money transfers

HSBC Bank N.A Is always confiscating money transferred coming through their XXXX payment Hub in XXXX and probably many other people around the world. They withhold the funds for weeks under the pretext of conducting Anti Money Laundering information gathering on the remitter/beneficiary and they use payment network inefficiencies and the multiple layer of intermediaries to keep the funds the longest possible time and most likely accumulate more and more interest on the unlawfully and indiscriminately confiscated funds. Although they are given the information by the intermediaries they still hold the funds. Worse HSBC NY continue to repeat this confiscation and asking intermediaries the same questions ( remitter/ben date of birth, Place of birth, Citizenship and ID ) over and over again. The bank maybe using XXXX profiling using remitter names ( i.e an innocent remitter/beneficiary with the name XXXX will probably get his money confiscated repeatedly over the years and for weeks, while a money launderer named XXXX XXXX may sail through their network with no issues. No one from HSBC N.A/N.Y has bothered to contact me to explain or help. For years this on-going bad practice by HSBC N.Y goes conveniently unchecked. No one from HSBC has bothered to enhance the system to populate the information they gathered about me from previously confiscated funds, i assume because it is not in their " INTEREST.!!! ''
Product: Credit reporting or other personal consumer reports

ILOST my wallet along with my XXXX card long ago. I am a victim of identity theft I have obtained a copy of my credit report with EXPERIAN XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( XXXX ) that I have made. It is the result of identity Theft.
Product: Student loan

My name is  XXXX . I have  Federal Plus Student  Loans and the principal amount is {$140000.00}. This went into repayment as  a Consolidated Loan w ith my original loan servicer in  XXXX . I defaulted on these loans, some time there after, approximately  XXXX ,  XXXX . After much effort, I work with the   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX  to rehabilitate my loans as part of their rehabilitation loan program more then two years ago. For reasons they worked with me reduced my payment based on my income. By  XXXX   XXXX  my monthly payment was $  XXXX  per month.  <P/> On  XXXX   XXXX ,  XXXX , I received a letter from  XXXX  informing me that my defaulted student loans has been sold to  American Education Services.  This is the first time I had an idea that my loan was in default. The following month, I received a notification that  XXXX   XXXX  now owns my loan, and I now have an estimated balance of {$340000.00} with interest. I was also informed that my monthly payment due  XXXX   XXXX ,  XXXX  will be {$2200.00} for the next 350 months.
Product: Checking or savings account

So I woke up one day and wasnt able to access my funds with us bank. No one can tell me why my account is being monitored and I dont have a clue as to why its being closed/blocked
Product: Credit reporting, credit repair services, or other personal consumer reports

I have carefully reviewed my credit report in Experian. I have been turned down for a credit due to misreporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these company have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. Please correct the status of this account : XXXXXXXX XXXX XXXX XXXXXXXX Balance {$220000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Started the loan a world finance on XX/XX/XXXX and ended XX/XX/XXXX the amount was {$850.00} this action is taken by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted the documents no response
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 that consists of fraudulent credit card account with XXXX XXXX. There is also negative deposit account with XXXX XXXXXXXX XXXX XXXX and fraudulent account with XXXX. There were companies that accessed my credit profile for car loans, employers. 
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 # ( 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 or other personal consumer reports

My information was affected by the XXXX data Breach. As a result I have been a victim of Identity theft. I previously disputed several fraudulent accounts along with proof of my identity report, and supporting documentation to the credit reporting agencies, requesting validation or to block and remove all of the information from my credit report. The credit bureaus failed to validate. Here are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX