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 on 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 any item 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 alleged identity theft , not later than 4 business days after the date of receipt.
Product: Debt collection

I sent letters out to the collection agency stating According to the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ), a collection agency must provide verification of the debt upon request. Since the collection agency has not provided this validation, the collection account should not be reported on my credit file.
Product: Credit reporting or other personal consumer reports

On about XXXX the XXXX, I submitted and requested for a re-investigation of said accounts ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. Upon the response, it was determined that these accounts have yet to be thoroughly re-investigate. I have reached out to the reporting company requesting the following ; " a description of the procedure used to determine the accuracy of the completeness of the information. '' This shall be provided to the comsumer by the agency including any business names, address, of the furnisher of information contacted in connection with such information and the telephone number of such furnisher if reasonably available. This was not carried out and I have yet to receive a response from the resorting company. This is also in accordance with 15 USC 1681I ( a ) ( 6 ) ( B ) ( iii ).
Product: Credit reporting or other personal consumer reports

Experian Credit Bureau was hacked. All of my sensitive information was leaked.
Product: Mortgage

I applied for a modification with Wells Fargo last XXXX. I asked for a lower interest rate or lower monthly payments. I received a letter instructing me to do a Short Sale. 
I have a lot of equity in my condo so I felt insulted to my hardship. 

I am a XXXX year old XXXX to my parents XXXX & XXXX respectively.My dad is a XXXX XXXX XXXX Veteran confined to a XXXX  ... My Mom has XXXX XXXX  XXXX. 

I am legally XXXX since XXXX. I can not move them or leave them.We can not afford a XXXX home. 

When I initially applied I listed XXXX per month income. They denied me saying not enough. Then I included my parents and the figure became XXXX per month. They still denied me. They assessed my condo at XXXX as a 2 bedroom. I told them this is incorrect its a 3 bedroom and one just sold in XXXX for XXXX. They didnt change their 2 bedroom assessment. 

I can not work based on the above circumstances and can not move my parents. If it was just me I would sell but it is not and I dont know where we would go. I am not behind on Any Payments and My Credit Rating is Excellent. The problem seems to be Low Income and there is nothing I can do about that. I bought this condo for my parents in XXXX. I owe approximately XXXX on my mortgage with Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX  XXXX XXXX  XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Debt collection

CREDENCE RM XXXX {$370.00} acct # XXXX opened on XX/XX/2022 I TRIED TO DISPUTE THIS OFF OF MY CREDIT REPORT. THIS IS NOT MY ACCOUNT BUT IT IS SHOWING UP ON MY CREDIT REPORT FOR XXXX AND XXXX. NOT MY ACCOUNT. WOULD LIKE IT TO BE REMOVED COMPLETELY FROM ALL THREE CREDIT REPORTS.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI, XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Experian Information Solutions , Inc . 
po box XXXX XXXX, TX XXXX Dear Experian, I received a copy of my credit report and am writing to dispute the following information that appears on my Experian report. 

The following inquiries are unauthorized or inaccurate, and I ask that you delete them : Inquiry from XXXX XXXX Via Dealer on XX/XX/XXXXXXXX XXXX XXXX  on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I am a victim of identity theft and I never authorized this inquiry. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

Spire recovery solutions ( SRS ) has been harassing me with phone calls daily with no relief. They have resulted to contacting several extended family members and asking for them to give out MY personal information. At this point, they are not only being an insurance, but also putting me at risk for identity theft and compromised personal information.
Product: Credit reporting or other personal consumer reports

XX/XX/year>, I have requested online from all three credit reporting agencies ( XXXX, XXXX, and Experian ) to update my name and current address on my credit profile due to other addresses are not deliverable to me by the U.S. Post office, and they are not reportable as per the Fair Credit Reporting Act. After receiving my updated credit reports, nothing has changed. 

XX/XX/XXXX, I sent certified letters to each credit reporting agencies ( XXXX, XXXX, and Experian ) along with my Driver 's License, SSN, and a current bill with my current address to indicate the correct address. Again, receiving another update, my credit reports had no changes. 

XX/XX/XXXX, I repeated my steps to each credit reporting agencies ( XXXX, XXXX, and Experian ) along with a copy of my DL, SSN, and current bill that reflects my new address. Again, upon receiving my updated credit report, my old addresses are still appearing on my credit reports. 

XXXX, XXXX, 2024, I spoke to a rep from each CRA XXXX, stated they could not update via phone. Despite the fact, I sent them what they requested.
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX AUTO XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion
Product: Credit reporting or other personal consumer reports

I am writing regarding inaccurate late payment entries on my credit report. I submitted a formal dispute of these items over 30 days ago and have not received any response or validation of these reported late payments. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to : XXXX. Investigate disputed items within 30 days XXXX. Provide validation of reported information XXXX. Correct or remove any inaccurate entries
Product: Credit reporting, credit repair services, or other personal consumer reports

My research on FCRA XXXX indicates that credit bureaus are required by law to remove and ban any items that are discovered to have been opened as a result of identity theft. Again, it looks that my credit with you has been compromised. The reported items are giving me a great deal of mental & financial stress, which is affecting my ability to sleep, causing issues at work, and adding unneeded stress to my home life. The following items must be taken away by CREDIT BUREAUS : XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$920.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$360.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$690.00} ; XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$3600.00} ; XXXX  XXXX XXXX XXXX  XXXX Balance Owed : {$1700.00} ; XXXX  XXXX XXXX Balance Owed : {$810.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX will investigate XXXX account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX Account Number XXXX
Product: Credit reporting or other personal consumer reports

On 3 occasions in XX/XX/year> I have requested that Transunion delete and update my Employer in my Personal Information. They have failed to do that on all three requests. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

The reason why I need to file a case on this issue is because on XX/XX/XXXX XXXX I was scammed by fake fraudulent company that was claiming to be called XXXX XXXX from XXXX XXXX and they sent an email to my XXXX account and on the following the told me to download this app called XXXX and basically allows the other user to have access over your device and on that process they had stolen money from all my accounts from my Wells Fargo Bank I took screenshots of the incident. The scammer was sending money to XXXX through a bank called XXXX. He took money from my XXXX and was sending the money through my old XXXX XXXX account and through that while going to checking account savings account and credit card he told me to tell the XXXX XXXX  to make it sound real and I never us this third party Bank in my life including the lady that was i sending to named XXXX XXXX, as soon as the incident took place, I called Wells Fargo and stated that there was a fraudulent situation that took place and I called Wells Fargo around XXXX XXXX so that we could start a case. They proceeded to change everything about my account giving me a new account number giving me a new checking, new savings and new credit everything was good the funded me back all the money until 4 months later they credited me for {$1500.00} and took the money out of savings account without giving me a notice or provided any reason to why during the time. So I call Wells Fargo and started a case on that behalf of my savings account. Every time I started to ask about case during the 10 day process they told me to wait 10 days on regarding of the situation and every time I waited they would close the account case and say that the case is closed. I've been going back and forth for days now. Almost about a week to 3 weeks going.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN INFORMATION SOLUTIONS INC . 

On XX/XX/2019 I retrieved a copy of my Credit Report. I noticed a collection account being INACCURATLEY inserted by XXXX XXXX XXXX  account number XXXX   on behalf of Creditior XXXX XXXX XXXX MD. 
This account has been PAID IN FULL which means that you are in violation of the Fair Credit Reporting Act. XXXX XXXX XXXX has provided me with a letter on company letter head verifying that the account has been PAID IN FULL that will be provided with this complaint. 
Not only are you in violation of the FCRA you are also OUT OF COMPLIANCE WITH METRO 2. Field 17a has incorrect account status information and field 21 is MISSTATING BALANCE INFORMATION due to the fact that the account is PAID IN FULL. 
EXPERIAN. Delete this incorrect and inaccurate account immediately and update your files. As you are well aware it is against Federal Law and State Law to report INCORRECT AND INACCURATE Information on a consumers Credit Report. EXPERIAN. Delete this entry immediately and provide me with a copy of the correspondence sent to the other Credit Bureaus XXXX  and XXXX XXXX directing them to REMOVE this erroneous entry as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed a copy of my credit report and I show company EOS CCA ( Original Creditor : XXXX XXXX XXXX  ) account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. Per section XXXX XXXX XXXX XXXX, any fraudulent accounts that i did not authorized or signed a contract for must be removed off my credit report in 4 days. 

These fraudulent accounts are not only damaging my credit but also causing my significant stress and anxiety. I have no connection to these to these account accounts and urgently request their immediate removal to prevent further harm to my financial well-being.
Product: Debt collection

I was called XXXX 3 times on my cell phone in 1 day, received XXXX call at work in which the gentleman was very rude to my receptionist and tried to say his call was " very urgent '' as well as calling my fiance 's cell phone all in the same day.
Product: Credit card or prepaid card

I opened a capital one credit card in XXXX of 2018, to this day XX/XX/2018 all 3 of the credit bureaus do not list this account on any report.. I have contacted capital one bank about this they have told me the information was sent to all 3 of the credit bureaus, i.e., XXXX, XXXX, XXXX on XX/XX/2018, as of this Day XX/XX/2018 the credit bureaus say they have nothing?? I went through a chapter XXXX Bankruptcy " Due To Medical Bills '', I have since been Rebuilding my credit, and this missing account that is not appearing on my credit reports is hindering my success at rebuilding my credit reports and my scores.. " All I'm asking is that Capital One Bank report my current account with the Credit Bureau 's '' ..
Product: Checking or savings account

On XX/XX/XXXX XXXX my husband tax refund was deposited into my account, days later Bank of America closed my account. I have been calling to have the funds released to my husband but I was constantly told that I have to call back for an update. It is XX/XX/XXXX XXXX the supervisor of the closure department told me that there was no way to get in contact with the back department handling this issue and she also informed me that she could not request an update and there is no way to contact that department.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 26th attempt to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) CREDIT BUREAUS are required to block any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report : XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance {$20000.00} ; XXXX XXXX XXXX Balance {$20000.00} ; XXXX XXXX XXXX XXXX Balance {$21000.00} XXXX XXXX XXXX XXXX XXXX Balance {$21000.00} XXXX XXXX XXXX  XXXX Balance {$80.00} XXXX XXXX XXXX XXXX XXXXXXXX Opened XX/XX/2019 Balance {$0.00} ;
Product: Payday loan, title loan, personal loan, or advance loan

Hello my name is XXXX XXXX I just wanted to let you know that I never applied for a student loan I'm XXXX yrs old.
Product: Credit card or prepaid card

RE TJX Synchrony Bank credit Card. 
I made a 1 time purchase on the telephone from an ad I saw using Synchrony Bank credit card. After first order was received and paid for the company continued to send me multiple orders all of which were returned to sender unopened. They charged my Synchrony Bank credit card. I called the number from the telephone number listed on the address label of the package and instructed them to not send me anymore shipments and I told them that I had never ordered these products and everything was return shipped via US Post Service to them, that they must remove all charges to my credit card as I did not have the product. I never agreed to any multiple order shipments. I would never do such a thing! On my credit card the company name was XXXX XXXX  '. I got their their phone number from Synchrony Bank when I called them to find out what the charges were for when I found to that this was another name for this face cream company. There were multiple charges on the credit card from a company with a different name and it took me a while to figure out that it was the same company with this face cream product {$19.00}. I was very firm that I did not want any repeat orders. 
Synchrony bank credited me the amounts on XXXX XXXX XXXX XXXX {$110.00}, {$110.00}, {$39.00}, {$110.00}, {$110.00}, {$39.00} I contacted Synchrony Bank to close this card and they sent me a new card. I explained the situation and was assured that this was the best way to stop this company from billing me. The representative understood the situation and agreed that it should be closed and a new card issued to stop further charges. I specifically discussed this situation with Synchrony Bank, opened a dispute. My account was credited and the account was closed. After my account was closed the charges reappeared on the new card. I spoke with Synchrony Bank customer Service who told me the company recharged my account. This is exactly what I was trying to avoid. Now Synchrony Bank is billing me for these charges including interest charged if I do not pay, I have spoken with their account managers several times in order to get this resolved without success. At this point I am trying everything to clear this charge up. I am desperate as I have spend huge time on this and hours on the telephone without the respect of Synchrony Bank.
Product: Credit reporting or other personal consumer reports

Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have repeatedly requested in writing that TransUnion, XXXX and XXXX remove XXXX XXXX  from my credit report. Per 15 U.S.C. 1681e ( b ), consumer reporting agencies must " follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' However, the information on my credit report does not meet this standard as it is inaccurate and incomplete. 

Account # XXXX Additionally, according to 15 U.S.C . 1681i ( a ) ( 5 ), consumer reporting agencies are required to conduct a reasonable investigation when a consumer disputes the accuracy of information in their file. If the information can not be verified, it must be promptly deleted or corrected. Given that the items listed above have infringed upon my rights to privacy and confidentiality and fail to comply with the FCRA 's reasonable procedures