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

Someone opened a XXXX account in my name & I have been trying to get the XXXX XXXX Account off of my credit report since XXXX. This charge off/collections account dropped my credit score over XXXX points. I contacted all credit report agencies to delete this unverified account that belong to an address I do not reside and only XXXX has updated it. XXXX removed the XXXX account on XXXX XXXX, 2022. I would like compensation for the drastic drop in my credit score and the important applications I was denied during the process because I reported this account multiple times along with an FTC report and they never updated it until XXXX. Equifax XXXX XXXX has yet to update this for me. I need this fraudulent XXXX account removed as soon as possible.
Product: Credit card

XX/XX/2024 placed an order on XXXX for XXXX XXXX jackets for myself, total {$3000.00}, used my Chase XXXX XXXX credit card, paid through XXXX. 
XX/XX/2024 my credit card was charged for the total amount. 
XX/XX/2024 the package arrived, and XXXX jacket ( {$1900.00} ) is mens. 
XX/XX/2024 I returned the wrong jacket through XXXX XX/XX/2024 filed dispute with Chase as I was working with the merchant to get my refund XX/XX/2024 received the email confirmation from XXXX that they have issued refund of {$1900.00} to XXXX ( XXXX emails attached ) Since then, I have called both Chased and XXXX countless times. Each time they just kicked the ball to the other side citing some regulatory constraints. 

As the result of this, as of today, the refund has not been received.
Product: Credit reporting or other personal consumer reports

I dont know exactly how it happened, but I tried to open a checking account and the bank on XX/XX/year> and told me that there were multiple consumers associated with my social I did a complaint to XXXX XXXX Equifax XXXX XXXX
Product: Money transfer, virtual currency, or money service

My family was looking for a cat breeder. We came across this websitXXXX XXXX  : XXXX and they had an available kitten that we liked. We spoke to the breeder via email and she sent us numerous photos/videos of the kitten. We applied to purchase the cat. We went through a lengthy " interview '' process where they determined if we were a suitable match for the kitten. Eventually we were approved. The breeder is out of state and we arranged for shipping ( We have done this with two of our other pets, so we are familiar with working with out of state breeders. ) on XX/XX/XXXX I signed a purchase agreement and sent the deposit for the cat via XXXX, {$1300.00}. This was all very standard. The breeder claimed she never received it which was the first red flag. XXXX transfers are immediate. I asked her to double check and never heard from her again. The email communications stopped and we never got our kitten. 

On XX/XX/XXXX I reported this to bank of america ( my bank connected to XXXX ) and around XX/XX/XXXX bank of america denied my claim stating that I willingly sent the transfer and they would not do anything further. 

This was a very legitimate looking business with a professional website, email service, purchase agreement, etc. I am appalled that we lost {$1300.00} to this very elaborate scam.
Product: Credit card

Chase Slate Credit Card - XXXX, paper billing stopped in XXXX, XXXX, and XXXX of this year. During this time I did not receive any communication from Chase either by paper, telephone or email. I did not remember how much I was paying and did forward a check for {$80.00}. I contacted Chase to ascertain what had happened. Chase stated that I had changed form paper to email, however I did not receive any emails. Chase went on to state the reason for not contacting me was that a system generated cease and desist was placed on the account in 2010. Chase then reported this to credit bureaus which caused me to lose out on a new employment opportunity. I voluntarily approached Chase and agreed to an {$81.00} per month payment plan. But not for the cease and desist, this would have have never happened. At no time did i convert monthly statements from paper to email, this was mischief. I ask that this negative information be removed from my credit file and allow me to finish out my career.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already provided the required documentation to report that my Identity was compromised by Equifax XXXX XXXX here Is proof. 

I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. 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. 



The following items need to be removed and blocked as they are fraudulent. 



XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 Chapter XXXX Bankruptcy Case Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX  Account Number XXXX XXXX Please remove it from my credit report. 

XXXX. 15 US-CODE 16921 XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

XXXX. XXXX5 US-CODE 16921 XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

8. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX  XXXX Account Number : XXXX Delete this account. 

9. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX Delete this account. 

11. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 12. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed identity thief claims and submitted all the document to show that someone has stolen my idenity with all XXXX credit bureaus but the the account have not been removed and In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has all 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.

I have attached the case number fand proof of the identity thief and a copy of my social and ID
Product: Credit card or prepaid card

Hi, I was on holiday in XXXX on XX/XX/2021 and had an incident with my rental car. I thought my credit card had the rental insurance benefit active when I used it for renting the vehicle in XXXX. However, I was informed after the fact that the benefit was not active and had been removed a month ( XX/XX/XXXX ) before I used the card for the rental charge. I investigated and found out that the capital one had sent the notice that the benefit had been removed to my old address which I had changed in XXXX of 2021 to my current address. There was no way I could have known that my credit card did not have the benefit active. I also have another credit card with the benefit, also a visa credit card of the same type, that I could have used! Ive tried addressing this with both capital one and visa and they have refused to honor the benefit. 

Best regards, XXXX
Product: Credit reporting or other personal consumer reports

Theres currently 3 months of late payments from XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX listed on my XXXX XXXX, Experian and XXXX credit report. I have never made a late payment on my XXXX XXXX XXXX XXXXXXXX credit card account, XXXX XXXXXXXX XXXX XXXX XXXX card account, or XXXX XXXX XXXX XXXX XXXX XXXX  account. All of my payments I have made to XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX  and XXXX XXXX XXXX XXXX for my credit card account has been on time payments made.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a party to the CONTRACT, I've requested the FULL ORIGINAL CONTRACT baring all parties signatures. I was never given the full contract. I've also requested the Account ledger/ XXXX XXXX XXXX Account in order to inspect the Accounts Receivable and Accounts Payable. I've also requested proof of Truth and Lending, and proof that GAAP ( Generally Accepted Accounting Principles ) was adhered to during the loan transaction. I never received ANY of what was requested.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX an auto loan account opened at XXXXXXXX XXXX  on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX XXXX  on XX/XX/XXXX with a balance of {$30000.00} that appears related to the aforementioned personal loan account opened at Pentagon Federal Credit Union. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following information on my credit report and have the following information removed from my file. The items I need deleted are listed below. I am a victim of identity theft and DID NOT open these accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and have also enclosed copies of the documents supporting my dispute, Federal Trade Commission 's identity theft affidavit. Please delete the items as soon as possible. 

Fraudulent Accounts : XXXX XXXX XXXX XXXX XX/XX/XXXX {$160.00} XXXX XXXXXXXX XX/XX/XXXX {$2700.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00}
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and saw accounts reporting that I do not recognize. I also saw several of those accounts showing that i have had late payments. These unrecognized accounts are severely taking a toll on my credit report.
Product: Debt collection

Someone opened a XXXX account in MA, and I live in XXXX  for over 20 years all the while being a customer of XXXX for 30+ years in XXXX  & XXXX  only. 
XXXX submitted the debt to a collection agency. I send them the standard debt collection letter and the debt collector will no longer attempt to collect this debt as it is fraudulent. XXXX still insists it's valid even though they can not provide me with concrete proof it was i that initiated the service. They have admitted that it was initiated only with a SS number and no other proof of ID. Now XXXX wants me to provide them with copies of photo ID, SS card, driver 's licence and other additional information to prove the fraud. This is far more than they needed to open the account.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit report act ( FCRA ) to conduct a reasonable re-investigation of dispute disputed information on my credit report leaving inaccurate or unverifiable accounts unresolved the customer financial protection bureau has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward customer provided evidence to furnishers accepting unreliable responses and failing to adequately notify consumers of disputing outcomes these failures aligns with my experience where Experian has neither corrected nor remove disputed items despite the evidence operate it cause an ongoing harm to my credit standing I am requesting immediate corrective action to remove or amend the disputed account as Experian indication violates federal law in my rights as a consumer
Product: Credit reporting or other personal consumer reports

This is in response to my first complaint XXXX. CFPB contacted Equifax and Equifax sends me a letter wanting me to prove my identity by sending a copy of my SS card and a copy of a bill with my po box on it. They have had information sent to them at least 6 times. They claim they can not find a file with my information on it. I have credit freezes on my credit reports and fraud alerts and extended fraud alerts. I have had to get a po box due to mail fraud. There is a consumer statement regarding my identity theft on my credit reports. These people are not even looking at my information. You can have a po box and a street address. They have had information proving all of this by the Arkansas Attorney General 's office plus I have sent it several times one time being certified. I can not count on them saying they receive it if I send delicate information again. If I am having to send it again then I want a name of someone that can be held accountable. I have had IDENTITY Theft each time I have to send out information it puts me at risk again. They send their standard letter that does not tell you anything about anyone actually doing anything to solve a problem. Please help me with this. Thank you, XXXX XXXX, ( if you need proof of my ID theft, please let me know. )
Product: Credit reporting

I have been disputing these items for at least 2 years and Chex-Systems states that they are validated and verified. First thing My name is XXXX XXXX XXXX which I have known as that since 1974 which is XXXX years. They have my name listed as XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX which are all wrong and need to be removed. My Drivers License and Social Security card are attached for verification. The have License number listed which is n't mine and I have my Drivers License attached for verification and that information needs to be deleted as well. Then the address 's I have lived at : XXXX XXXX XXXX XXXX, XXXX XXXX for 8 almost 9 years. These addresses ; s are not mine : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX Rt XXXX XXXX XXXX, XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX this is my parents address not mine please delete as well. I have attached the Chex Systems Report so that you can see it for your self. I have over XXXX inquiries from Credit Unions and banks that I did n't authorize to pull my information and I even notice XXXX banks reporting as NSF Activity that I want to be removed as well. One has a misspelling of my name and the wrong address and others I am disputed in invalid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Truist Company did the following XX/XX/2022. 
In accordance of the fair creditor reporting act this creditor has violated my rights under 15 usc 1681 sec 6 02 states i have a right to privacy.

15 usc 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

under 15 USCS 166b a creditor may not treat a payment on a credit card a payment on a credit card account under an open and consumer credit plan as late for any purpose.

My account was transfered from Suntrust and the companies incorrectly reported late payments
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft, not later than 4 business days after the date of receipt. These accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  It has been 30 days and you are in VIOLATION of this law because I am a victim of identi theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION Under, IS U.S Code 168lb - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report un the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consum 1 am demanding the deletion of the accounts listed IMMEDIATELY
Product: Credit card

The contrast between my consistent on-time payments for this account and the XXXX  caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, XXXX the urgency of this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Procollect Incorporated XXXX. XXXX XXXX XXXX, Texas XXXX Amount Due : XXXX Account XXXX Letters sent with Certified mail receipts in which there was no response : XX/XX/XXXX / /XXXX , XXXX , XXXX , asking procollect to produce documents XX/XX/XXXX / /XXXX, XXXX, XXXX, asking procollect to produce documents XX/XX/XXXX //XXXX, XXXX, XXXX, asking procollect to produce documents XX/XX/XXXX /XXXX, XXXX, XXXX  , asking procollect to produce documents E-mails and phone calls made to  procollect from XX/XX/XXXX to XX/XX/XXXX no response. 
E-mail with return receipt to certify that the credit manager read the e-mail, stated that if I don't hear back from you by the end of the business day this debt is considered resolved and null and void. 
I gave Procollect two business days and they still do not respond, by virtue of the correspondence they have accepted the terms of the e-mail.
Product: Credit reporting or other personal consumer reports

It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for accounts XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2300.00} XXXX  XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXXXXXX XXXX Balance XXXX {$1900.00} XXXX XXXX XXXX XXXXXXXX Balance XXXX {$2300.00} XXXX XXXX XXXX Balance : {$0.00} pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation. As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.
Product: Mortgage

We were in a bankruptcy in XXXX, we paid off in XXXX, XXXX failed to pay 6 months of payments to SPS so we have tried to work with them to modify the loan for the past two years. The only modification they would offer to catch up the {$2400.00} was to double the amount of payments owed and take the amount we owed from {$18000.00} to {$34000.00}, doubling what we owe. They have held us XXXX with the preditory lending by only offering this modification ( 3 times ), in order to catch up these payments was to agree to double what we owed them. We have spoken with several of our relation ship managers who have told us to just offer them something since they wrote off this loan when it was dismissed in the Chapter XXXX. Is it legal for them to collect on a loan that they have written off to the IRS? 

We were in the process of trying to refinance and SPS told me that they wo9uold never let us out of the loan and that is what they did. Our refi was denied in underwriting due to SPS.