23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : 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 TransUnion 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 XXXXXXXX XXXX XXXX on XX/XX/XXXX under account number XXXX, a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX XXXX XXXX XXXX XXXXn account opened at XXXX XXXX  a collections account opened at XXXX CRED on XX/XX/XXXX with a balance of {$350.00} that appears related to the aforementioned personal credit card account opened at XXXX XXXXXXXX XXXX XXXX, and a collections account opened at XXXX on XX/XX/XXXX with a balance of {$710.00} that appears related to the aforementioned account opened at XXXX XXXX. 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, credit repair services, or other personal consumer reports

I mailed a letter through the USPS Certified Mail, to request my consumer file, a security freeze, and information deletion. The letter was delivered on XX/XX/2022 according to the tracking number. They are supposed to respond within five days indicating receipt of my letter. I have yet to receive : my consumer file, a letter confirming that a security freeze has been placed, or a letter confirming deletion of my information from their files.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX  XXXX # XXXX, Account name : XXXX  XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX # XXXX, has violated my rights. 


15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

this creditor has ignored my request for documents requested such as : " 1- detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt ; 2- the photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions correct? ) ; 3-an itemized statement breaking down the balance you claim I owe ; 4- and any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. '' 5- the Vice President himself states that they are not reporting a payment of {$9.00} " First Progress has not received any {$9.00} payments during XXXX, and has not reported any such payments to the credit reporting agencies '' ( letter attached ) in the credit report attached there is clearly not 1 but 3! payments of {$9.00} reported for the months of XXXX, XXXX and XXXXXX/XX/XXXX. 
NO documents or contracts has been provided as requested bearing my monetary signature agreeing to pay this alleged debt or agreeing to open this account.

6 - they state in letter attached that they are not reporting inaccurate information and in my credit report you can clearly see where they report to XXXX  a late of " 30 days '' on XX/XX/XXXX and on the same XX/XX/XXXX to XXXX  they report " on time '', on XXXX they report to XXXX  a " 60 days late '' and to XXXX  they report a " 60 days late '' and it goes on and on. ( proof is attached in documents ). ALL my inaccuracies claims can be clearly seen in attached documents to this complain.
Product: Debt collection

I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim. Accounts that were opened without my knowledge or permission by a person close to me, whose identity I prefer not to disclose, have negatively impacted my credit score. The Federal Trade Commission ( FTC ) has assigned the following report numbers to this identity theft case : XXXX, XXXX, and XXXX. The unauthorized accounts listed below have caused me significant financial distress and I demand your immediate action in investigating and rectifying this matter : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete these accounts ASAP.
Product: Money transfer, virtual currency, or money service

Cashapp has been down all day today. Meaning myself and thousands of other people don't have access to their funds. I had money sent to me today and haven't been able to access the money. The money was for dinner for my children and gas to get to work. It's XXXX and I haven't fed my kids and I had to call out from work. There are no real updates being given from cashapp as to when our funds will be available. This is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute unauthorized inquiries on my credit report. I retrieved a copy of my credit report from your organization and noticed a credit inquiry that I did not authorize. I have submitted multiple complains and can not seem to get these REMOVED. These are not mine, remove asap from all credit reports. 

XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXXXXXX XXXX ( XX/XX/XXXX ) XXXXXXXX XXXX  ( XX/XX/XXXX ) XXXXXXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) I have attached my IdentityTheft & FTC fraud reports to support this request.

At this time, I am requesting that you remove these hard inquiries immediately off my report. Per my FCRA rights, you have 6 business days to remove these inquiries that I did not authorize.
Product: Mortgage

I'm currently in the process on refinancing my house and the company that holds my mortgage right now has yet to respond about payoff amount. My new lender as reached out to them two times for the information and I've reached out to them as well. Still nothing back and I should be closing on the XXXX. XXXX has reached out to freedom Mortgage on the XX/XX/2020 and XXXX/XXXX/2020. And I've reached out to them in XX/XX/2020 as well and we still haven't gotten anytime if response from freedom Mortgage
Product: Debt collection

Stenger & Stenger contacted me via mail regarding a debt that I do not owe. I called their office demanding the following : -copy of the original signed contract - payment history from the original creditor -name & address of the original creditor -Proof of debt ownership.

I have not heard anything from this company regarding my requested items, yet they are demanding compensation. The correspondence reflects that there are two collection agencies ( one being S & S ) trying to collect a debt that I do not owe. Please provide proof of this alleged debt owed or delete this debt.
Product: Debt collection

A third party XXXX XXXX XXXX XXXX  called on behalf of debt allegedly owed to XXXX XXXX which is a pay day loan. They were very rude and threatening. I did reach out to XXXX XXXX but am not able to get any reliable information. I am hoping to receive accurate information from XXXX XXXX concerning any debt owed.
Product: Consumer Loan

i lost my vehicle due to bankruptcy 3 years ago. I was referred to XXXX XXXX XXXX in North Carolina for a replacement vehicle. I was a naive, first time car buyer. I was told to provide all sources income including child support. I explained I was not comfortable with this as my children would lose it within 2 years. My loan is with Consumer Portfolio Services at 23 %? interest. After making payments on time for 2 years, child support stopped and I could n't make my payments. i sent money each month that I had available, but it was not the correct amount, but all I could afford. I tried to refinance, but because the interest was so high, I was already upside down and was turned down. I contacted CPS and was allowed for a fee to extend the loan on the car, a quick fix but did n't solve the issue at hand. I then was laid off from my job and saw my hours reduced. I informed CPS of my difficulties but was told I owed XXXX and that was that. I asked if they could lower my interest rate for a few months, but was told no, they were n't a loan company. I sent XXXX ( a gift from my church ) but they came and repossessed my car anyway. I was never told where it was taken, I had personal belongings inside and was never told how to retrieve them. My car was sold at an auction, though I was never informed when or where. I was sent a bill for XXXX for the deficiency deficit. I did my best to keep them informed of my financial struggles, I could n't extend the loan again because I had already done so and was told I did n't qualify. With all of their fees tacked on to my already late payments, I was so upside down on the loan, I could n't sell or even trade the vehicle to try to alleviate the burden. I may not have a valid complaint, but I feel like these loan companies prey on people like me. I ca n't possibly ever re pay the loan. With all the fees they 've assessed me, it was n't feasible. I owed XXXX on a car that was only worth XXXX. How can this be legal?? This company harassed me at work until I filed a complaint against them. I need help with this situation. My finances are no better today then they were when my car was taken by them. I am not an irresponsible person, I was just unknowingly taken advantage of by the loan company and the dealership I dealt with. I would like to see these loan companies not be allowed to extort money from people such as myself. The fees they charge make them rank right up there with payday loan companies.
Product: Debt collection

This company has called my place of employment. Im not allowed personal phone calls at work
Product: Debt collection

On XX/XX/2016 I checked my credit report and ATG Credit LLC is on my credit report for an unknown account with the amount of XXXX. It states the account was opened on XX/XX/2016 which is a LIE BECAUSE I did n't open any accounts in XX/XX/2016 that went to collections. ATG Credit did not contact me nor did they send me a letter informing of what ever debt this is which violated my right as a consumer to dispute or have whatever this debt is validated. According to the FCRA a collection MUST notify the consumer by letter of the debt to give the consumer a chance to ask for validation to dispute the debt. My rights was violated and I will be seeking to file a civil suit. This account needs to come off my XXXX CREDIT REPORT ASAP.
Product: Credit reporting or other personal consumer reports

I received a letter sent on XX/XX/year> in my po box that said there were XXXX or more negative information added to my file. I obtained my Consumer Disclosure Report the next day and I received another letter sent on XX/XX/year> that gave me a link and a password to look at my Consumer Disclosure Report to see if anything was wrong. After reviewing the Consumer Disclosure Report I called the XXXX number and asked for all of the soft and hard inquiries to be investigated. On XX/XX/year> I received a letter of the investigation results. I didn't understand what the results were so I called the XXXX number and she told me that what " We have reviewed the information from our inquiry Records and determined the data being reported as unverifiable ... '' meant was that all of the inquiries were unauthorized. She also told me to contact my states attorney general. I filed a complaint with my states attorney general and they emailed me to go to this website.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am being charged over 300 $ from something called phnx finan and I would like to know what this is if I'm going to have to pay
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor 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 I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged with the items listed below which are showing on my credit report. I therefore request that you immediately remove this items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$220.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$170.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX  XXXX Balance : {$2000.00} ; XXXX XXXX XXXX XXXX XXXX : {$12000.00} ; XXXX XXXX XXXX XXXX XXXX : {$7500.00} ; XXXX XXXX Balance XXXX {$0.00}
Product: Debt collection

I had first heard from this company around XX/XX/XXXX. I had not prior heard from anyone else concerning student loans. They turned me into the Department of Treasury for Federal offset student loans that were non federal but on a Federal promissory note. I had asked them several times over the course of XXXX to show me how i owe federal student loans or any loans they just kept sending a statement and this promissory note. As you look at the promissory note there is many questions as it appears information was just transposed on a Federal form to deceive the Department of treasury. I was withdrawn from XXXX University XX/XX/XXXX yet they have May loans listed starting XX/XX/XXXX. This whole situation is an absolute mess why did they wait 10 years to start this any private loan which I did not receive would be out of the statute of limitations so is that why information was then transposed to a Federal form. If you look at the information on the form there is nothing federal about it XXXX XXXX  is a private entity as was XXXX XXXX I just want some answers and the truth told to the Department of Treasury who did in fact take my taxes based on false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made multiple futile attempts to dispute the fraudulent items with you. Your correspondence stated that the account in question " WAS PREVIOUSLY INVESTIGATED. '' I diligently accessed my Credit report through your respective websites and obtained copies of the information pertaining to : XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX ( Original Creditor : PROGRESSIVE ) XXXX Balance : {$240.00} U.SXXXX Bankruptcy Court XXXX  XXXX bankruptcy Reference # : XXXX. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( a ), it is mandated that upon receiving a dispute, each consumer reporting agency must conduct a free reinvestigation, accurately record the current status of the disputed information, or remove the item from the file within 30 days. This timeframe commenced on the date the dispute was received, and unless the account is deemed frivolous or irrelevant, there has been no indication that my dispute falls under these categories. Yet, the item continues to persist on my file with a mere last investigation. Given this information, I demand the immediate deletion of the disputed accounts from my Credit file in accordance with 15 U.S.C. 1681i ( a ) ( 1 ) ( a ). I will NOT entertain another reinvestigation of the account ; ONLY deletion will be acceptable.
Product: Checking or savings account

Today XXXX, Bank of America branch of XXXX XXXX NY was visited by myself and mother as due to my XXXX XXXX, XXXX  XXXX and XXXX  XXXX, I need accompanying of someone who can react if I suffer symptoms of XXXX  as well as certain situations in which cause XXXX XXXX from occurring. My online portal was locked and I was unable to access this via my home which I remain inside due to the constant looks at myself as I am evidently symptomatic of a XXXX  XXXX. After being assisted by said Bank of America representative, she waited on hold with us for over an hour and finally when presented with questions concerning the account, I willingly provided every document of proof including tax returns via email on my phone, 1099 from particular deposits done through my person not company as it was done via my social security number, as well as documented companies that of paying me via my social security number. I asked for my account to be closed and funded my remaining balance. I have been a customer since 2006, my very first bank account as it remains a campus checking. Not only when presented with facts did she state she doesnt know what a XXXX is, she was unaware self employment could be run under a social security number. After an hour of asking for my cash balance did a supervisor come over blaming me for depositing money today and that I should of anticipated such action of said staff. I then presented official documents again along with press releases etc of companies involved in payments. Again instead of this employee understanding, as my voice was admit-tingly raising louder than I desired at this point due to the anxiety and stress of the fact I have not been in close proximity of another outside human being other than my family in almost two years involving detailed conversations, she begins to raise her voice challenging is I was XXXX as I referenced my mother, caretaker, required access to accounts in case of a hospitalization event as has happened in the past, they smirked and belted a sarcastic chuckle as at this point I demanded my account closed and made them aware of their violation of the ADA as now they require me to return again tomorrow and experience even more stress causing my XXXX  to increase drastically and my XXXX  to elevate to XXXX levels.
Product: Payday loan, title loan, personal loan, or advance loan

Hi was conttacted by a company called XXXX XXXX XXXX XXXX. '' They offered me a job with setting appointments for their company. They said I would need qualify through affirm 's credit. This was to purchase a course. They did not really explain any details but just that if I make 10 qualifying appointments by the first month they would wipe the balance of the credit. I later found out that the company provides fraudulent promises and will not return the credit payment as promissed. I then contacted Affirm 's customer support multiple times in which they said they would contact me back with next steps within 3-5 business days. However, they did not, and would simply just mark the case as closed/ resolved without giving a definitive answer or follow-up.