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

XXXX   XXXX   XXXX  has sent me to collections for {$190.00}. The hit to my credit report was placed in  XXXX   2017  for {$190.00}. That collection account is also tied to an address that I have never lived at in a city that I have n't lived in for over 20 years. It is erroneous and needs to be removed from all credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello Seems like some one else ( a female person ) has or is using my SSN
Product: Credit reporting, credit repair services, or other personal consumer reports

I am listing the Inquiries I don't recognize below for immediate Deletion and Removal from my Credit Report. 
XXXX XXXX  TYPE OF BUSINESS - DATE OF INQUIRY XX/XX/2021 EQUIFAX XXXX XXXX TYPE OF BUSINESS FINANCE/PERSONAL DATE OF INQUIRY XXXX XXXX XXXX TYPE OF BUSINESS BANK DATE OF INQUIRY XX/XX/2021 XXXX XXXX XXXX PERSONAL LOAN COMPANY DATE OF INQUIRY XX/XX/2021 XXXX XXXX XXXX TYPE OF BUSINESS FINANCE/PERSONAL DATE OF INQUIRY XX/XX/2021 XXXX XXXX XXXX  XXXX TYPE OF BUSINESS HOME/OFFICE FURNISHINGS DATE OF INQUIRY XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to report a data breach that has exposed my personal information, which I believe violates my rights and privacy. On the week of XX/XX/year>, I learned that XXXX XXXX, who is not an employee of the government, infiltrated the XXXX Department of Education loan records and pulled personal confidential information which I did not give written consent. My rights have been violated and were not protected by FERPA or the US department of education. XXXX XXXX XXXX access to internal systems containing personal information on tens of millions of Americans is a direct breach of violation. 
All of my personal sensitive information like address, phone number and social security information was shared and disseminated. 

This incident has caused me significant concern, as it could lead to identity theft, financial loss, and other privacy violations. I request to have all my loans forgiven and dissolved and completely removed from your system. I also request that the XXXX Department of Education investigate this data breach and take appropriate action to prevent future incidents by not allowing XXXX XXXX access to civilians personal information without consent. I have filed a complaint with FERPA, XXXX and XXXX Department of Education. I will be contacting my states general attorney and any other civil rights organization to make aware of this violation. 

I would also appreciate any information regarding the steps the department has taken or plans to take to address this breach. Thank you for your time and attention to this matter.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/23 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card

Subject : Dispute of Rental Charges I have reviewed the Merchant information and I am writing to formally dispute the response from XXXX XXXX XXXX XXXX in regards to the case below. 
I am only asking for charges related to the milage be refunded as I did complete the rental. As indicated below and with other previously uploaded documents, the initial agreement did not indicate that milage would be added to the estimated cost of the rental. 



The details of my reservation are as follows : Merchant Name : XXXX XXXX XXXX  Transaction Date : XX/XX/year> Disputed Amount : {$290.00} - Reservation Number : XXXX - Capital One case : XXXX - Pick-up Location : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX - Drop-off Location : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX Rental Period : XX/XX/XXXX to XX/XX/XXXX There are several points that I would like to address in this dispute : 1. **Unlimited Mileage** : When choosing a one-way rental on XXXX 's website and via app, as shown in the attachments, it was neverindicated that the rental included mileage charges. This was a significant factor in my decision to choose XXXX for my travel needs. Ive attached screenshot showing unlimited milage. 
2. **Travel Distance Awareness** : Based on the pick-up and drop-off locations provided during the reservation process, National Rental Car Agency was fully aware of the distance I would be traveling. Thus, the agency should have been prepared for the total number of miles put on the vehicle and should not now be assessing extra charges for mileage deemed excessive. 
XXXX. **Original Estimate** : During the reservation and check-out phases, there was no agreement or notification indicating that my final charges would deviate significantly from the original estimate of {$100.00}. The total amount billed is substantially higher than the estimated amount, which is unacceptable and not within a reasonable difference. 
4. The rental was " skip the line '' meaning there was no paperwork given to me prior to the receipt was sent after the car was returned. They never provided notice of milage charges, if they had I would not have rented. 
Given these points, I respectfully request a review and adjustment of the charges applied to my rental. I believe the originally quoted amount of {$100.00} should be honored, and any additional charges should be waived. 

In the dispute with Capital One they said a factor was that I could not provide the initial contract. I feel " skip the line '' is a way for the rental agency and for the card issuer to use as a loop hole for me not being able to provide documentation. How can I provide documentation that was not provided to me?
Product: Money transfer, virtual currency, or money service

jG Wentworth are constantly contacting me trying to sell me services. I've told them over and over to add me to the do not call list and to that I am not interested, but they continue to harass me through phone, email, and mail. They constantly change/disguise their phone number. This has been going on for years.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, Director, Consumer Financial Protection Bureau Attn : XXXX XXXX, Complaint Per the FCRA as a federally protected consumer I am now opting out of any and all authorization. I, the consumer may have given you written, unwritten, verbal and non verbal Per 15 USC 6802. Effective immediately ; indefinitely. 

According to my credit reports, there are third party reporting agencies reporting my private information to all three credit bureaus, which is a violation of my Privacy Right, ( Privacy Act of 1974 ) Also, there are charge offs listed on my credit reports. A charge off is considered a Certificate of Indebtedness, which means it is income and has to be removed. Income can not be reported to my credit report. The law says it's illegal to report transaction history.

All bank accounts are insured per 15 USC 1681, I have not received any interest or payment. I gave them a security 16 CFR 444.1. 

There are Inquiries ( Promotional Inquiries ) 15 USC 1681 Permissible Purposes, {$1000.00} fine each occurrence. ( sent to the address listed above ) Lastly, I've been suffering tremendously because of these issues listed above. Ive been humiliated from being denied cars and homes, credit etc. Brokers/banks/lenders not accepting my applications. Telling me I need a XXXX deposit. I've been homeless because of this. For pain and suffering, humiliation, emotional damage etc. A {$20000.00} XXXX XXXX Dollars payment can be sent to the address above. Also, all negative reports should reflect good standing. 

Federal Laws mentioned 16 CFR 444.1 15 USC 1692 15 USC 1681 15 USC 6801 15 USC 6805 15 USC 6802 15 USC 6805 Thank you,
Product: Money transfer, virtual currency, or money service

I went to the atm to withdraw the money it told me i exceeded my daily limit. That was impossible because I havent even token cash out of this account that day.i tried to withdraw XXXX dollars today from the atm and I couldnt. But I magically got charged the money and Wells Fargo will not refund my money. I even got a paper from the business saying the transaction failed on there end. Wells Fargo is a bunch of crooks.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX sis reporting incorrect information to the credit bureaus, currently reporting late payments on an account that is in collections, and has no payment agreement in place. Therefore, misrepresenting my relationship with them, and causing harm to my financial situation. 

Collections accounts are not allowed to have a history of late payments! I do not have a payment agreement in place with this company. Please delete this grossly incorrect and damaging reports from my credit reports. A collection is by default, derogatory, this goes without say. Please delete this immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax on 3 occasions in reference to inquiries I did not authorize. I have also requested a copy of the application, showing my signature and authorization for my credit profile to be issued. I have not received any information as requested and the credit bureau has refused to remove the inquiries from my report. I have provided the bureau with a copy of my identity theft report. XXXX  has investigated the information as requested and removed the unauthorized inquires. I request the following be removed immediately. They have violated my rights under the Fair Credit Reporting Act. 
1. XXXX XXXX-XX/XX/XXXX 2. XXXX/XXXX-XX/XX/XXXX 3. XXXX-XX/XX/XXXX 4. XXXX XXXX XXXX-XX/XX/XXXX 5. XXXX XXXX XXXX-XX/XX/XXXX 6. XXXX XXXX XXXX XXXX-XX/XX/XXXX 7. XXXX XXXX XXXX XXXX-XX/XX/XXXX 8. XXXX XXXX XXXX-XX/XX/XXXX 9.XXXX XXXX-XX/XX/XXXX 10. XXXX XXXX-XX/XX/XXXX 11. XXXX XXXX XXXX-XX/XX/XXXX 12. XXXX XXXX XXXX-XX/XX/XXXX 13. XXXX XXXX XXXX XXXX XXXX-XX/XX/XXXX 14. XXXX XXXX XXXX/XXXX XXXX -XX/XX/XXXX 15.XXXX-XX/XX/XXXX 16.XXXX-XX/XX/XXXX 17.XXXX XXXX XXXX-XX/XX/XXXX-listed twice 18. XXXX XXXX XXXX XXXX-XX/XX/XXXX & XX/XX/XXXX 19. XXXX XXXX XXXX XXXX-XX/XX/XXXX 20. XXXX XXXX XXXX XXXX-XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX, AC # XXXX, DO:XXXX Amount {$2000.00}, This account was opened fraudulently contacted the company and company refused to remove this from my account and is still trying to hold me responsible. 
XXXX XXXX XXXX, AC # XXXX, DO:XXXX Amount {$1100.00}, This account was opened fraudulently contacted the company and company refused to remove this from my account and is still trying to hold me responsible. 
XXXX XXXXXXXX XXXX XXXXXXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$8600.00}, This account was opened fraudulently contacted the company and company refused to remove this from my account and is still trying to hold me responsible. 
XXXX XXXX XXXX XXXX AC XXXX XXXX, DO : XX/XX/XXXX, Amount {$750.00}, This account was opened fraudulently contacted the company and company refused to remove this from my account and is still trying to hold me responsible. 
XXXXXXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$180000.00}, This account was opened fraudulently contacted the company and company refused to remove this from my account and is still trying to hold me responsible. 
XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$15000.00}, This account was opened fraudulently contacted the company and company refused to remove this from my account and is still trying to hold me responsible. 
XXXX XXXX XXXX, Ac # XXXX, DO : XX/XX/XXXX, Amount {$20000.00}, This account was opened fraudulently contacted the company and company refused to remove this from my account and is still trying to hold me responsible. 
XXXX XXXX XXXX, Ac # XXXX, DO : XX/XX/XXXX, Amount {$8600.00}, This account was opened fraudulently contacted the company and company refused to remove this from my account and is still trying to hold me responsible. 
XXXX XXXX XXXX, Ac # XXXX, DO : XX/XX/XXXX, Amount {$2600.00}, This account was opened fraudulently contacted the company and company refused to remove this from my account and is still trying to hold me responsible.
Product: Credit reporting or other personal consumer reports

I received an unsolicited letter via email from XXXX acct : XXXX stating that I owe a debt. This account has already been disputed as not valid with the original creditor. Fair Credit Reporting Act dictates that every single accusation of debt, be it true or not true it absolutely must be reported accurately, timely, and reported in all deferment/transfer cases. It appears that it can not be determined in irrefutable fact ( as required ) that everyone and all the ACCOUNTS in question were or were not handled properly when they were transferred. I am enacting both my consumer rights lawfully to COMPEL YOU IN WRIT DEMAND to demonstrate all facts and further to in equivalently provide me with written documentation of the deletion of this erroneous information for every one of the unproven or else otherwise not lawfully compliant reporting of accounts, which obviously are in question. Consumer Financial Protection offices ( regarding this unforgivable and extremely injurious error in your clear misreporting of illegal misinformation )! AGAIN, FACT IS that to this date, no entity ( neither the accusers nor you ) has elected to properly and lawfully in truth, accuracy, completeness, timeliness, and otherwise in full reporting compliance ( particularly in metro 2 compliance ) to provide to me, the consumer alleged, even a single or ONE tangible shred of evidence from any much less any of these data furnisher ( s ) of your absolute maximum compliant reporting ( s ). I have indeed made known my concerns of the data provider and your continued potentially unlawful chicanery-based subterfuge in my credit reports as related to these allegations hereby above detailed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXXXXXX, LA XXXX XXXX there is some inaccurate information reporting. 
XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX there is some inaccurate information reporting. 
XXXX Date of inquiry : XX/XX/XXXX Delete this account.
Product: Mortgage

Freedom Mortgage Corporation sent me a loss mitigation package I have sent them duplicate request proof of hardship papers proof of disabilitys etc XXXX XXXX Tracking Numbers etc a total postage totaling {$360.00} I have dotted all I 's and crossed all t 's every time I send one thing they state I am missing another, they generate another exscuse duplicating request I Believe causing much confusion they send out investors to my home RECENT XXXX sitting in front of my house taking pics ( GUN POINT SUSPICIOUS ACTIVITY ) caught on close circuit TV gentlemen stated he was in the Investor Pool and wanted to know if interested in letting it go CASH MONEY Freedom Mortgage obviously gave out new recent phone number to residence and getting 5 to 6 call a  day asking me to sell this has been going on since XX/XX/XXXX On XX/XX/XXXX @ approximately XXXX XXXX  Operator @ XXXX Recorded XXXX states now she wants to regulate Deposits on boarder I have already submitted she was very rued Freedom Mortgage Is violating the guide lines of the FHA RULES and claiming I am not complying as well I feel there pulling Insurance scams
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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 XXXX XX/XX/2015 {$3500.00} XXXX XXXX XX/XX/2015 {$3500.00} 15 USC 1681 Section 602 A- States I have the right to privacy. 

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

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

Got email from Wells Fargo that an application for a credit card was submitted on XX/XX/2023. Multiple emails alerts were also received from XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX about a new inquiry/credit card application. 

Soon, someone contacted me from WF and went through the whole nine yards asking questions and validating information etc. Then they hung up saying that they will investigate and close the account/application that was not opened/submitted by me.

In the afternoon of the same day, another person from the same institution WF called and once again verified and validated a sequence of information and once again they confirmed that the fraudulent application was submitted and they will deny the same.
Product: Credit card

I was appointed the executor of my mother 's estate. I received a new JCPenney credit card in her name. On XX/XX/2017, I called the credit card phone # and was forwarded to Synchrony Bank 's probate department at XXXX. I informed them that my Mom is deceased and requested a letter confirming that the account was closed and no purchases will be accepted. I was told I would have to call back in 30 to 90 days to request such a letter. I asked to talk to a supervisor, but XXXX returned and said the supervisor said I would have to call again in 30 to 90 days to request a confirmation letter. 
I checked the XXXX on and internet search and found it associated with this company : XXXX . 
XXXX XXXX XXXX XXXX, PA XXXX On the phone call they called themselves Synchrony Bank. I provided the last 4 digits of my Mom 's social security number thinking I was talking to a bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX To XXXX   Experian, and XXXX This letter is a formal complaint that you are reporting inaccurate credit information. 
I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either you or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for a mortgage, which was highly embarrassing and has negatively impacted my lifestyle. 

Please note there are several errors on my credit report. 
1. I have never lived at XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( please remove ) 2. I have no previous address of XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( please remove ) 3. I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Please remove ) 4. I have never worked for SSA ( please remove ) 5. XXXX Card Services has consistently reported incorrect information. The date of last payment was not XX/XX/XXXX. This is an attempt to keep a debt on my credit report for longer than 7 years. ( Please remove ) I officially dispute this debt in its entirety. 
6. XXXX XXXX I am disputing this debt in its entirety. 
7. XXXX XXXX : ( I dispute this debt it its entirety, please remove ) 8. XXXX XXXX : ( I dispute this debt it its entirety, please remove ) 9. Please remove phone numbers that I do not recognize and were not my telephone numbers. 
a. XXXX b. XXXX c. XXXX d. XXXX e. XXXX f. XXXX g. XXXX h. XXXX i. XXXX j. XXXX Thank you, XXXX XXXX