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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX, OH XXXX. please delete remove any other address they are not mine : XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. The inquiry was not authorized XXXX XXXX I Date of inquiry : XX/XX/XXXX As a consumer by law this account must be deleted immediately 2. The inquiry was not authorized US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX As a consumer by law this account must be deleted immediately 3. The inquiry was not authorized XXXX XXXXXXXX XXXX XXXX of inquiry : XX/XX/XXXX As a consumer by law this account must be deleted immediately 4. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX Account Number : XXXX Please remove it from my credit report. 
6. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested proof that the repossession of the subject vehicle was legal in accordance with the law.. Since Equifax was unable to provide me proof within 15 business days as required from receipt of my letter the alleged claim of deficiency will be considered null and void.. They did not remove it that's why I am filing this complaint to make you aware and take care of it. Remove XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The Following Financial Institution violated my privacy rights by disclosing my personal information without my consent including Social Security Number, Birthdate, Full Bank Account Numbers, Banking transaction history dating back to XXXX including all XXXX transactions which include direct deposit amounts from my employer. This information was disclosed to a 3rd party company ( XXXX XXXX ) who has in turn allowed other entities to also access their report without my consent. 

XXXX XXXX : Has also violated my privacy rights. By their own admission in their report, they allowed the report to be accessed ( inquiries ) 23 times in the last 36 months by other institutions who I have no financial obligations and certainly did not and would not allow these institutions access to my entire financial history and personal identifying information. 

This is a violation of my privacy rights under The Privacy Act of 1974 which states that I the consumer have the right to be protected against unwarranted invasion of privacy resulting from the collection, maintenance, use, and disclosure of personal information, as outlined in 5 USC 552a ( 13 ) ( b ), 15 USC 1681. 

I am a resident of Missouri and my rights have also been violated under the Missouri Right To Financial Privacy Act : 408.675 My financial records can only be accessed with my consent by a Governmental agency when then Government Authority seeking has given notice in writing. 

408.680 Financial institutions may not disclose, exception : 408.675 as outlined above.

408.682 Customer authorization required.

408.689 Transfer of records to additional agency allowed when 14-day notice is provided This transfer can only be allowed to further a legitimate law enforcement inquiry I did not consent to sharing my financial history or personal identifying information with any 3rd parties and am quite sickened to know that this has not only happened to me, but it appears to have been initiated by my financial institution ( XXXX XXXX ) whom I trusted. I also have an account with another Credit Union that I have been with for nearly 15 years who is not listed in this report and to my knowledge has never violated me in this way.
Product: Checking or savings account

I deposited money around XXXX at a Chase bank ATM and it kept my money. They told me repeatedly that they would give me a credit of the amount I placed in machine. That day j was depositing around {$1400.00} for my rent that day. Because they took my funds and did not give me any credit since I'm late with my rent and will have to pay additional fees. I've called many times and made complains and asked if theres anything g they can do to speed up the process but they tell me the same thing over and over again that it takes time. I have XXXX kids and our family is living in a small apartment that costs almost XXXX a month. School is starting soon and I have nothing to shop with because all if what I had went towards paying g what I could with rent so as to not get evicted.
Product: Credit reporting or other personal consumer reports

I am redisputing several accounts that were not properly investigated, as the previous investigations failed to provide accurate and complete results. Additionally, there are unauthorized inquiries on my credit report that I did not approve. These inquiries and accounts are negatively impacting my credit score, and I request a thorough reinvestigation of both the disputed accounts and unauthorized inquiries to ensure accurate reporting.
Product: Credit reporting or other personal consumer reports

JEFFERSON CAPITAL SYST ACCOUNT # XXXX {$640.00} CALLED AND WAS TO REMOVE FILE
Product: Credit reporting or other personal consumer reports

It has come to my attention multiple Inquires were made without my knowledge. 

XXXX 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/year> I have contacted both Experian and Banks and have reach no resolution.
Product: Credit reporting or other personal consumer reports

There was more than one company. The same person kept sending me a link to obtain my credit score before they would accept me as a tenant. The first link they sent was to a company called Trans Union. Then they sent another link for a company called XXXX. They asked for my full SS #.
Product: Debt collection

I checked my credit report today and Discover Bank has reported that a charged off account is now over the credit limit!! That is a violation of the fair credit reporting act. Also they are reporting different balances to XXXX and XXXX which is also a violation. I live in the state of Georgia and the statute of limitations to collect credit card debt is six years.. The last payment made on this account was six years ago in 2018!!!! This account is hindering me from getting access to credit and is hurting my file
Product: Credit reporting, credit repair services, or other personal consumer reports

Received phone calls last week on persons trying to open accounts under my name with XXXX and XXXX.realized only today an account was opened with XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

this is reporting incorrectly my account. should be remove. XXXX XXXX XXXX does not belong to me XXXX/XXXX  XXXX  XXXX  Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Open Account Balance on XX/XX/XXXX, XXXXLoan Amount {$0.00} {$28000.00} XXXX XXXX XXXX  Account number XXXX Account statusClosed Date opened XX/XX/XXXX Account type RevolvingBalance on XX/XX/XXXX Credit Limit {$0.00} {$20000.00} XXXX XXXX XXXX  XXXX Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Installment Balance on XX/XX/XXXX Loan Amount {$0.00} {$65000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a letter numerous times to Transunion requesting they remove a hard inquiry from my account. The inquiry is from XXXX XXXX XXXX. I called the company as I had never heard from them before and they claim my name was on something else from another one of their companies and their secretary made a mistake. They wrote a letter to Transunion back on XXXX XXXX, 2016 telling them it was a mistake and to remove the hard inquiry. They further explained to me that they never even got a report from Transunion as they did not submit the request with any information ( DOB, SS #, etc. ) as they did not have that information to submit. I have filed numerous requests with Transunion to remove this hard inquiry and they simply ignore my request by sending me a copy of my credit report. I 'm getting pretty tired of this and do not understand how they are allowed to ignore these things or simply not respond to a concern. This is not appropriate and I am asking for your help to address this wrong doing on Transunion 's part. Thank you.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to file a formal complaint against XXXX XXXX regarding an account that has been fraudulently opened in my name, XXXX XXXX XXXX and XXXX XXXX, which is in result of identity theft. The fraudulent account is as follows : XXXX XXXX account number appearing as " XXXX '' for {$540.00} I have attached a notarized copy of the Federal Trade Commission ( FTC ) Identity Theft Affidavit, as well as a police report documenting the identity theft incident. I also have attached my government issued ID and a utility bill for proof of identity and address. As a resident of Texas, I am aware that aggressive consumer laws are in place to protect victims of identity theft. Texas state law, under the Texas Finance Code 20.02, provides consumers with strong protections against creditors and requires swift action to rectify fraudulent accounts. 

Despite my efforts to resolve this matter directly with XXXX XXXX, the fraudulent account have not been adequately addressed. Therefore, I am filing this complaint with the Consumer Financial Protection Bureau to request your intervention in resolving this issue. 

I request that XXXX XXXX conduct a thorough investigation into the fraudulent account and take immediate action to remove this from my credit profile. Additionally, I request that XXXX XXXXXXXX XXXX provide me with written documentation of the results of their investigation and any actions taken to rectify the situation. 

I appreciate your attention to this matter and look forward to a prompt resolution. 

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

I noticed some incorrect information on my credit report, which falls under 15 USC 16c-2. This inaccurate data is affecting my credit score, and I did not authorize the listed inquiries.
Product: Mortgage

First, thank you your time with this issue. In XXXX  of this year our mortgage company, MyLoanCare falsely overcharged us on taxes by {$3600.00} on our county taxes so our account was showing that our escrow wasn't enough. Our actual taxes are {$860.00}, not {$4500.00} for the first half of the year, plus an additional {$4500.00} for the 2nd half totalling in {$9000.00}, which is a very large difference compared to what our actual county taxes are. We caught this and reported it to the company over the phone in late XXXX, and in writing on XXXX, XXXX, XXXX, and XXXX. We have attempted multiple calls on recorded lines as well with their company on XXXX, XXXX, XXXX,XXXX, XXXX.  

They are now trying to charge us {$2700.00} for our mortgage payment that normally should average around {$1500.00}. They also have not provided any confirmation of any refund of what they falsely charged us
Product: Mortgage

We thought that we could get a lower rate from 4.95 %, principal balance forgiveness or some sort of assistance, we were asked to put in for a loan modification to get help. What we got was an interest rate of 4.95 % which is what it supposed to be anyways plus a final balloon payment ( over 139,000 ) -a rip off. You advertised on your website that you are committed to helping home owners with home retention, so how have you helped us? You asked to a bunch of documents, we sent them in for assistance, what we got is a total rip off. Attached are supporting documents for the interest rate of 4.95 % which is where were at prior to the first mod.
Product: Credit reporting or other personal consumer reports

Equifax is reporting NON-MAILABLE ADDRESSES on my credit report. I have reached out to them several times regarding the matter via telephone and letter ( attached mailed on XXXX ), however the problem remains unsolved.
Product: Debt collection

I am writing to dispute a debt reported on my credit report by National Credit Systems. The reported balance of {$3000.00} originates from XXXX XXXX, but I dispute the validity of this debt. 

While residing at XXXX XXXX, I encountered numerous issues, including a mice infestation in my unit. As a result, XXXX XXXX transferred me to another unit without addressing the underlying problem adequately. Despite clearing a balance of {$570.00} before the transfer, 2 months later 2 additional charges of {$660.00} labeled as " damage '' was added to my monthly statement for the new unit. 

Although my rent for the new unit was current, an eviction was filed against me 8 days after I paid my rent for unverified damage fees for the previous unit that I never received proof. Yet I have proof that I cleared the balance of {$570.00} which was all she said was owed. This eviction occurred despite assurances from the regional manager that no move-out fees or eviction would take place due to the chaos they caused if I provided written notice of vacating, which I promptly did. 

The balance reported by National Credit Systems does not accurately reflect any valid debt owed by me. I dispute the legitimacy of these charges and request that the reported balance be removed from my credit report. 

I believe that National Credit Systems have violated consumer protection laws, including the Fair Debt Collection Practices Act ( FDCPA ), and I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly. 

Please find enclosed documentation supporting my claims, including receipts, correspondence, and any relevant communication. 

Additionally, I would appreciate assistance in obtaining a full ledger of all payments made to XXXX XXXX up until the move out date of XX/XX/XXXX to verify the accuracy of the reported balance. 

Thank you for your attention to this matter. I look forward to your prompt investigation and resolution of this dispute.
Product: Prepaid card

I received an American Express prepaid gift card for {$450.00} but have been unable to use it both online and in stores. I registered the card and checked the balance on the AmEx website, confirming that it is activated and loaded correctly. However, transactions keep getting declined when I try to make purchases at retailers like XXXX, XXXX XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm enrolled in the Equifax XXXX XXXX plan. I call Equifax about once a month to get an update on my score. Each time my score changes. I haven't done ANYTHING to adversely effect my credit. Why would it drop 35 points if nothing adverse has been done in the past 30 days. I don't understand why the up and down on my score. I've paid everything on time since XXXX. If it is because of VERY OLD late payments what makes the score go up then back down? It's very hard getting a correct answer from Equifax, there representatives have such strong accents and it's hard to understand. Additionally I've called creditors and they will tell me they reported to Equifax, but when I call Equifax they don't have it. XXXXXXXX XXXX  reported for BOTH of my credit cards on XX/XX/XXXX but oddly Equifax only received one. 


1. XX/XX/XXXX my score is now XXXX 2. XX/XX/XXXX My score was XXXX 3. XX/XX/XXXX My score was XXXX
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove this from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX Balance {$1000.00} XXXX  XXXX Balance {$900.00} XXXX XXXX XXXX XXXX Balance {$510.00} XXXX XXXX XXXX XXXX XXXX {$530.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$390.00} XXXX XXXX CO XXXX XXXX XXXX XXXX {$89.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX Balance {$500.00} XXXX XXXX Balance {$590.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX  Balance {$560.00} XXXX XXXX XXXX Balance {$740.00} XXXX XXXX  Balance {$55.00} XXXX XXXX XXXX XXXX Balance {$1500.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance {$620.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance {$740.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$820.00} XXXX XXXX XXXX XXXX XXXX Balance {$500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

There are inconsistencies and inaccuracies in the reporting of the XXXX account ( number XXXX ) on my credit reports regarding closed date, last payment date, and last updated date. 

TransUnion has this account closed on XX/XX/XXXX. 
XXXX has this account closed on no data. 
XXXX has this account closed in XX/XX/XXXX. 

TransUnion has the last payment as XX/XX/XXXX XXXX has the last payment as XX/XX/XXXX XXXX has the last payment as XX/XX/XXXX TransUnion claims that this account was last reporting on XX/XX/XXXX XXXX claims that this account was lasted reporting on XX/XX/XXXX XXXX claims this account was last reporting on XX/XX/XXXX Proof attached. 

All three of these agencies are allowing XXXX to re-age this closed/ written off / sold account. This is in violation of the FCRA. This account should be removed/ deleted from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Once again Experian shows the wrong dates on the XXXX XXXX XXXX XXXX credit card account for the pay off date and the same problem exists on the auto loan. They DID NOT FIX THE ISSUE BUT PUT THE DISPUTE DATES ON THE REPORT AS THE PAID DATES WHICH IS INACCURATE AND ILLEGAL! 

I've attached a page from my XXXX report showing the dates corrected on the auto loan, and the page from the Experian report with my new auto loan showing the month and year it was purchased. I have all of my loan docs to prove I traded in the XXXX auto for the XXXX XXXX XXXX and XXXX was paid off in XXXX XXXX. So XX/XX/XXXX IS NOT ACCURATE! 

If XXXX and Experian does not fix the dates on both them I am DEMANDING THE ACCOUNTS BE REMOVED ASAP! It's not rocket science to get this right! Get it right or remove it immediately! I have all of my documents including an email from XXXX showing the loan paid off! The date of the letter they sent is NOT the date it was paid off! So don't change it to that or I will go back to XXXX and force them to remove the account from my credit!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for a which was highly embarrassing and has negatively impacted my lifestyle.
Product: Money transfer, virtual currency, or money service

On XX/XX/2017 I sent a XXXX payment for {$1100.00} to my landlord through my bank fifth third. A week later my land lord asked for a late payment as they never received the amount. For almost 1 year I have been chasing this down with my bank and XXXX to find my funds as my bank only tells me they have been " delivered ''. They were never sent to my land lord and I have not been able to locate these funds. My bank only tells me that they can't do anything else as they as showing that in their system even though no one has t he funds. I opened numerous cases with no resolution and my bank finally said they had to close the cases because of FDIC regulations This has gone on for so long and I really need to find my funds! Please help!