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

To Whom It May Concern, I am contacting you about the compromising of my social security number. I am a victim of a Data Breach/ Identity Theft. I contacted the Federal Trade Commission and filed an FTC Report which is attached. Please block and remove all information from my credit report and send me an updated copy of the credit report. Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. 

XXXX XXXX XXXX - XXXX Has not undergone certification to conform to recognized reporting standards. It is imperative to acknowledge that this data might be incomplete, outdated, or unsupported. Thus, I respectfully request the removal of any inaccurate or unsupported material from this page to ensure accuracy and reliability. Your prompt attention to this matter would be greatly appreciated. 

XXXX - XXXX I respectfully request that any detrimental aspects related to the allegations made against me be expunged from my credit report. I belief that this item XXXX have been reported unjustly, lacking the necessary authentication, or even in violation of the law. It is my understanding that the law requires the expunction of the accusations of late payments associated with this item. Thus, I request that such allegations be deleted from my credit report promptly. 

XXXX XXXX XXXXXXXX I regret to express my disappointment regarding your failure to furnish comprehensive documentation substantiating your adherence to compliance reporting standards and relevant consumer laws. This glaring deficiency is of utmost concern. I hereby insist that this flawed and inaccurate report be expunged without delay, failing which, legal recourse shall be pursued against your company for its non-compliance with specific statutory requirements about these matters. We must possess a thorough understanding of the content showcased in documentaries to safeguard against potential unforeseen issues that could have been averted had meticulous attention and conscientiousness been prioritized over mere convenience. 

XXXX XXXX XXXX - XXXX I believe that this item may have been reported unfairly, without proper certification, or even unlawfully. Specifically, I demand that the allegation of late payments associated with this item be deleted immediately, as required by law, and removed from negative reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  # XXXX is reporting a late in XX/XX/19 that is inaccurate. I attempted to pay this multiple times online and it showed that it went through, it wasn't until later that I got a notice that I was late. This is their fault, not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, Santander Consumer USA, whom I have my XX/XX/XXXX XXXX XXXX financed with, reported my account delinquent. Despite ensuring that I have made every payment on time each month with the company, Santander flagged my account as delinquent! When reaching out to them to rectify the issue, I struggled to successfully contact a human being and when I finally was able to talk to a person they told me that they would reverse the delinquency flag and it wouldnt affect my credit. Then a few months later while checking my FICO credit score, I noticed that it was showing I had one missed payment in the last year. The same mistake that Santander promised to fix!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent documents numerous times to  XXXX , Experian, and  XXXX  and they still refuse to correct my credit reports. The following Loans have been off since  XXXX   XXXX ,    2017  and the reporting agencies refuse to update my credit reports. The following loans appearing on my credit reports have been paid in full on  XXXX   XXXX ,  2017 :  1.  XXXX  - acc ount number  XXXX  amount paid {$2200.00}  2.    XXXX  - accou nt number-  XXXX  amount paid {$5400.00}  3.    XXXX  - account number  XXXX  amount paid {$5500.00}
Product: Prepaid card

Here is an account of my correspondence with the Company. The Gift Card is a Hilton Card, number XXXX expiration XX/XX/XXXX. The following information was shared with the Maine US Attorney, but they have not resolved the issue and referred me to this cite. 

On XX/XX/XXXX I purchased a Hilton Gift Card for {$100.00} using their online services as a gift to my sister XXXX XXXX. 
XXXX XXXX attempted to use the Gift Card at the XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Room XXXX. 
The Agent at the Hotel informed us that The Card was declined. ( I was standing with XXXX XXXX at the time ) On XX/XX/XXXX, I called XXXX which is the number provided on the Hilton Invoice that the Gift Card was attached to. The Agent informed me that XXXX would call me back. I never received a call back from this call. 
On XX/XX/XXXX, I again called XXXX and spoke with XXXX who told me that XXXX would call me back. I did not receive a call back from this contact. 
On XX/XX/XXXX, I called XXXX which is a number on the back of the Gift Card. I spoke with XXXX XXXX XXXX. The Agent told me that he looked up my account and that the data showed that I purchased a Gift Card, it did not show any transactions, and that there was no balance. The Agent told me that he could not help, and that I needed to call the place that I ordered the Card from. I did not accept the Agent 's response and requested his supervisor. I was forwarded to the Escalation Team. I was referred to a number XXXX. 
On XX/XX/XXXX, I called XXXX and spoke with an Agent by the name of XXXX. XXXX referred me to an Agent by the name of XXXX. ( My records do not reflect the results of this call ) On XX/XX/XXXX, I called XXXX and spoke to Agent XXXX who told me to call AMEX. He gave me the number of XXXX. I called XXXX and the automated message instructed me to enter the XXXX digit card number. I added the card number and the automated message said thank you and then disconnected me. 
On XX/XX/XXXX, I called XXXX and spoke with an Agent by the name of XXXX. XXXX told me that I would receive a call back. I did not receive a call. 
On XX/XX/XXXX I called XXXX and was instructed to call XXXX. I called the number and spoke with XXXX XXXX who told me that they are a third party and could not help. 
On XX/XX/XXXX, I called XXXX and spoke with Agent XXXX who told me that she would escalate the issue and that I would hear back by Tuesday. She assigned case # XXXX to my case. 
I received an email message from Hilton Guest Correspondence on XX/XX/XXXX requesting information which I provided. I was told that I would receive a resolution within 72 hours. I did not receive a resolve, and only received an email on XX/XX/XXXX telling me to call another number. I hope that this narrative and the attached documents provide you enough information to help me resolve this issue. I am requesting that I be reimbursed the {$100.00} that I paid for the card. I do not want the money to be added to the card since the Gift Card will no longer be of use to XXXX XXXX. I have spent over four hours on calls and hope that this issue will be resolved quickly.
Product: Credit reporting or other personal consumer reports

When I first applied for the card the store associate put the wrong address on my account. When I figured out the address was incorrect I called in to correct the address and get a new card. The agent was irritated with me so I'm guessing she didn't update the information and sent out a new card to the wrong address again. I called back to let them know I never received a card and I couldn't access my account with out the numbers on my actual card. They were sending it to XXXX. Finally, that card was cancelled and they sent out a new one. It took about 3 months for me to get an actual card so I was not able to create an account to make payments. I requested for the agent to have those late payment removed since it was their error twice and she said yes. But those late payments are still there.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 had a few things on my report for years and it seems like they wont take it off its been on there to long and its also in a bankruptcy
Product: Mortgage

The Money Source suddenly increased our escrow payment by $ XXXX/year with no increase in taxes or home insurance. We also saw a starting balance in XX/XX/XXXX that didn't match what the previous mortgage company showed prior to the transfer. When we contacted them as to why they stated it wasn't because those had gone up but because they could legally ask me to pay more. 

When I pointed out that their escrow statement they sent me was missing XX/XX/XXXX and another month in XXXX they said they would 'look into it ' which was over a month ago and they never did. 

I then asked them to remove the escrow account so I could pay it myself and did so in writing as outlined on their website. They waited a month to mail the paperwork, which I still don't have, and are still asking me to pay the {$1700.00} more upfront on the escrow with no justification and did not honor my qualified removal request
Product: Consumer Loan

I got a XXXX XXXX XXXX from car hop in XXXX. I thought I was getting a deal since my credit was excepted. The car ended up having major issues soon after and was dangerous to drive on the roads. I contacted car hop and expressed the concerns with the vehicle and they offered to have the car fixed through their " authorized mechanic. '' They said they had multiple issues with the car fixed but the car was no better when I got it back. I stayed persistent with them to get the problems fixed but they just gave me the run around and did n't do anything. My pregnant wife and I ended up getting in a wreck because of the cars instability. I fixed the damage to it. My wife and I went to a XXXX dealership and got a loan for a dependable vehicle. I returned the Explorer to the car hop dealer and gave them the keys. I was dealt a complete lemon and my credit is currently being haunted by this horrible ordeal. Is there anything I can do to make this go away or make sure it does n't happen to other people in the future?
Product: Credit card or prepaid card

Citi Bank Double Cash Card- XXXX XXXX XXXX XXXX XXXX , South Dakota . 

Was approved on XX/XX/2018-XXXX dollar credit, cash back and XXXX dollar annual fee.

I continue to receive letters and e-mails about my account. I have spent over four hours trying to resolve, why the card was not received. In XXXX, XXXX and now XX/XX/2018. The company passes me from dept. to dept. and places me on hold. 

Three times they have said, it would be sent via 2 day XXXX XXXX it has never arrived.
Product: Debt collection

Credence resource manage {$370.00}. XXXX I had XXXX from XXXX XXXX  I had complaint about the constant over heating of the phone. I had ask better solution to this problem and I was given a replacement phone which did the same thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unverified late payments reporting on my credit report.
Product: Mortgage

Bank of America is the named insured in my lender placed insurance policy. In 2019, the insurance company approved an inadequate amount of money to replace my roof. I can not dispute the amount because I am not the named insured on the policy. 

Since 2019, I have asked Bank of America to dispute the inadequate money. But Bank of America will not dispute the amount. The insurance policy says Bank of America is the only entity that can request an appraisal for my roof replacement. However, Bank of America will not do so. I can not dispute the amount because I am not the named insured on the insurance policy. 

I need someone to help me instruct Bank of America to exercise its right to request an appraisal for my roof replacement so I can receive an adequate amount of money to replace my roof.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance Owed : {$XXXX} DPT EDXXXX XXXX Balance Owed : {$XXXX0} XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX Balance Owed : {$XXXX} US DEPT ED XXXX Balance Owed : {$XXXX} US DEPT ED XXXX Balance Owed : {$XXXX} US DEPT ED XXXX Balance Owed : {$XXXX} US DEPT ED XXXX Balance Owed : {$XXXX} US DEPT ED XXXX Balance Owed : {$XXXX} US DEPT ED XXXX Balance Owed : {$XXXX} US DEPT ED XXXX Balance Owed : {$XXXX} US DEPT ED XXXX Balance Owed : {$XXXX}
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested accounts be verified. Received notification that account was verified. Original amount that was showing on report for a XXXX account went from {$6100.00} ( XXXX ) to {$61000.00}. 

Also added an additional account to report in the middle of investigation for other accounts. I do not know why account was added as was removed prior for identity theft, yet it was added without my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$560.00} ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX AV XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ).

1. Restriction on Disclosure of Information ( Section 604 of the FCRA, 15 U.S.C. 1681b ) Pursuant to Section 604 of the FCRA, I demand that no disclosure of my personal information, including consumer reports, be made to any person, organization, or entity that is not legally authorized to receive such information or that does not have my explicit consent. 



2. Right to Privacy ( Section 609 of the FCRA, 15 U.S.C. 1681g ) In accordance with Section 609 of the FCRA, I request written confirmation that my personal information, including any medical or insurance information, will not be disclosed to third parties without my prior consent, except as strictly required by law. This confirmation should detail the measures taken to protect my information in accordance with legal requirements. 



XXXX. Prohibition of Unauthorized Disclosure under Consumer Privacy Protection Laws Additionally, in line with federal and state privacy laws, I demand that no information contained in my file be disclosed to insurance companies or any other third parties without my explicit, written approval, unless required by law. Any unauthorized disclosure will be considered a violation of my privacy rights and will result in appropriate legal action. 



I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. 

Below is the information necessary to process this request : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX. 

XX/XX/XXXXXXXX XXXX XXXX
Product: Debt collection

marked as duplicate complaint, but did not provided me with the following information I requested below, they are avoiding providing me proof of debt because they don't have proof. 


I have requested debt VALIDATION from these companies and they have not responded. I am looking for the following items XXXX ) XXXX of the original creditor with my signature that guarantees I will pay XXXX ) Detailed list of my payment history XXXX ) name and address of the original creditor XXXX ) proof of debt assignment XXXX ) have any insurance claims been filed against this debt. this is a violation of XXXX XXXX XXXX XXXX and XXXX XXXX section XXXX G
Product: Credit reporting, credit repair services, 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. 

XXXX Account XXXX XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX  Account # XXXX, XXXX XXXX Account # 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 an 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 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

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear XXXX : The credit inquiry named XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is damaging my credit rating. Provide full documentation regarding the circumstances surrounding your release of my credit report, XXXX, pursuant to the permissible purpose provisions of the Fair Credit Reporting Act? I have submitted several disputes and several times I have been notified that there was an investigation. 
If you can not provide such documentation, you are obligated to remove the offending inquiry at once. Can you provide me with the validation that was used to verify this information? 

Sincerely yours, XXXX XXXX
Product: Debt collection

I had a debt from XX/XX/XXXX and due to lost of jobs and unemployment I was un able to pay debt. Now in XX/XX/XXXX I get served at my job for payment garnishment for Midland funding llc Creidt card. I did not get served with any court papers to appear in court. I just got a sheriff at my job. I check my credit report every year and this is the first time I have seen a judgement on my report in XX/XX/XXXX. It says it has been on going since XX/XX/XXXX. I look up the court docket papers. I do n't know my rights but something seems to be wrong. I never had this happen. I never had to go to court. I new nothing about it until this year.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Credit Card ending in XXXX, full Credit Card number XXXX XXXX XXXX XXXX, Expiration date, XX/XX/XXXX Security Code XXXX, opened XXXX, Closed XXXX XXXX XXXX XXXX Account Number XXXX, opened XXXX XXXX, Closed XXXX XXXX XXXX XXXX Account Number XXXX, opened XXXX, Closed XXXX XXXX XXXX Account Number XXXX, opened XXXX, Closed XXXX XXXX XXXX ( A ) ( 4 ) States There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 
Therefor pursuant to 15 USC 1681 ( A ) ( 4 ) I the consumer own my right to privacy, It can not be taken away, and there is no such thing as a public record for a consumer. I did not give my right to privacy to Transunion to publicly report anything. Pursuant to 15 USC 1681 ( A ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. A consumer reporting agency can not furnish an account without my written instructions. I would like to state that Transunion is in violation of 15 USC 1681b ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer, I the consumer never gave Transunion any written consent to report anything on my consumer report. No consent is Identity theft. I have enclosed a Identity theft report which states the four closed accounts and a Inquiry are being illegally furnished on my consumer report. If they are not removed I will not extend my credit my credit to anyone or allow XXXX to furnish a report for me. I would like to state that pursuant to 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reports.15 USC 1681 ( a ) ( 4 ) states ( a ) Accuracy and fairness of credit reporting ; ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Transunion is violating the united states codes and should delete these items off of my consumer report or face legal action.
Product: Debt collection

I wrote capital one to get my account restored and a copy of 1099-C was filled for {$100000.00} to open up an investigation for final accounting with XXXX XXXX XXXX XXXX XXXX XXXX 

My writing were ignored I feel my Payment was discriminated against seeing my creator does not allow us to pay in dishonor and died for my sins. 

Pursuant to 18 U.S. Code 242 - Deprivation of rights under color of law my religious rights were violated. My creator gives me abundance. I was discriminated against under XXXX of law titles. 

My account was closed and my character was defamed by capital one bank this falls under United States Code : Fraud and False Statements, 18 U.S.C. 1001-1026 ( 1952 ). 

This matter needs to be investigated.