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

My name is XXXX XXXX XXXX, my SS # XXXX My DOB is XX/XX/1995. I have a few issues of addresses on my file that do not belong to me on my credit report. I have never lived at the following addresses : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please remove these cell phone number they are not mine, there are several issues on here I am not understanding who has used my name to open accounts at the addresses mentioned above. I have attached a copy of my ID and SS for proof of my identity ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Debt collection

We have XXXX issues here, XXXX they CONTINUED mail me letters after receiving XXXX WRITTEN requests via email ( XXXX/XXXX/XXXX and XXXX/XXXX/XXXX ). Also, though not legally standing -- I VERBALLY requested twice to cease communications. The XXXX issue involves who the mailings come to as they are addressed to my former name of XXXX XXXX. I asked agency to send them to new name, old name XXXX new name, or new name XXXX old name as I REFUSE to open mail for someone who LEGALLY does NOT exist anymore. NOTE THAT I HAVE SENT THE LETTERS BACK VIA RETURN TO SENDER. I totally grasp that regardless of my legal name then and now that IF these debts are valid, I am legally responsible for them. They may argue that my requests were invalid because they did n't respond to emails and emails possibly went to wrong party. However, any REPUTABLE company would forward collections related emails to the right department. By the way, any REPUTABLE person would understand that it 's a federal crime to open mail that 's NOT legally addressed to you ...
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 XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$1500.00} ; ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7600.00} ; XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. XXXX XXXX XXXX XXXX XXXX XXXX claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!
Product: Debt collection

XXXX XXXX  XXXX {$3600.00} XXXX XXXX XXXX XXXX XXXXXXXX {$3700.00} XXXX XXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX XXXX XXXXXXXX {$5000.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A.States I have rights to my privacy.

15 U.S.C 1681 section 604 section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

I Ordered a hoodie that ended up being {$99.00} with shipping and tax after ordering it I conformation email from XXXX confirming my order # XXXX or the hoodie I wanted. I then recived an email that my order was being perpared and would be shipping soon. Once the package arrived at my door I discovered it was not the hooide I ordered and they didnt sen me it becuase of a " Website Malfunction ''. I was never given the oppurtunity to cancel or opt out of my order becuase I woul dbe reciving something I didnt order, or want. I then contacted the merchant to see if they could do anything but they informed me that they didnt do refunds or exchanges. I feel like this is wring because I ordered something, got a conformation of that product, was then shipped another product without the chacne to opt out of my order, then was told that they couldnt do anyhting. The hooide was {$85.00} before tax and shipping.
Product: Debt collection

A required by 12 CFR 1006.34 ( b ) ( 5 ), yet they have proceeded to place a collection account on my consumer report This omission denies me the opportunity to verity the accuracy of the debt they claim I owe 1 I have not been afforded the opportunity to dispute the account in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( I ). This denial at the dispute process deprives me of my rights to challenge any inaccuracies or discrepancies regarding te alleged debt 3. XXXX XXXX XXXX XXXX has resorted to false, misleading, and deceptive means in their collection efforts, thereby violating my consumer rights. Such unethical practices undermine the integrity of the debt collection process and cause undue distress to consumers. 4. Furthermore, the agency lacks the authority to furnish any account to consumer reporting agencies without adhering to the necessary disclosures mandated by law. By neglecting to fulfill their obligations under 12 CFR 1006,34 ( d ) and 15 USC 1681-S 2 ( 7KA ) XXXX XXXX XXXX XXXX is flagrantly disregarding consumer protection states. 
I demand that the Consumer Financial Protection Bureau investigate these egregious.
Product: Mortgage

BSI financial services starting servicing my mortgage XX/XX/XXXX. My interest rate is PRIME - 1 %. They raised my interest rate on my loan ( outside of my initial HELOC disclosures requirements ) by 0.625 % on my HELOC. I just found out they did this after asking why my account / payment was raised to this interest rate & payment. I have never been late 30 days or more nor have I missed a payment date. When I called a while back & inquired, they could not answer why this was the case. Today, they stated it was because I did not escrow. No where in the multiple servicing history ( XXXX servicers ) where the servicers allowed to raise & /or adjustment my interest rate without disclosure. I would am filing a formal compliant to document this predatory lender philosophy. Also, I tried to set up my new account adjustments in XXXX, XXXX via their website. Thank you, XXXX XXXX
Product: Debt collection

I received an alert for XXXX/Avant and called them in XX/XX/XXXX to confirm an account had been opened. I reported to them at the time that this was not me and they said that they would investigate. I never heard from them. I had my monitoring service send a dispute letter and complete fraud package including an ID Theft Affidavit, Police Report, identification, etc. on XX/XX/XXXX, XXXX we confirmed it should be sent to : XXXX. I have never received a confirmation that my information was received or that this has been resolved. I resent an inquiry on XX/XX/XXXX with the documents asking for a confirmation that my email was received. I have not heard back. It has been over 60 days since my original dispute with no correspondence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notice from Citicard stating that my  Mother m  ay  be entitled to a refund for an optional debt protection program which she  may  have unwittingly been enrolled and charged for. I went to their website to enter her information to indicate she was deceased and could not get any further information. I have questions on where I would find these charges, if her estate will be given a refund and how much. When I called I was just told they had not information for me at this time, blah blah blah. I feel that my   XXXX    Mother  may h ave been scammed by a large unethical corporation and I want them to be held accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a XXXX Credit Card in XXXX of XXXX as I was at the time a frequent shopper looking to rebuild credit to obtain a newer vehicle and home down the line. Things went exceptionally well with having this credit card until the gaps of employment from XXXX of XXXX to XX/XX/XXXX in which the latter resulted in me losing my home, my vehicle, without financial assistance as I am estranged and disowned by EVERYONE in my life for personal reasons. I was also denied unemployment due to previous reasons of not reporting new employment ( which was relayed that I had never been in that position of having to do so for years as I had maintained stable employment until XXXX of XXXX ), and I tried EVERYTHING in my power to avoid this situation. I explained to them SEVERAL TIMES that I was not in a position to pay at the time, however when I started to get back on my feet, I paid what I could and in XXXX of XXXX the account was INCORRECTLY charged-off because an incompetent employee WHO DID NOT DO THEIR JOB in WHICH THEY CONTINOUSLY DENY AND DENY TIME AFTER TIME. I made a plan to pay the account in full as opposed to a XXXX payment plan which would have been tedious as I am currently homeless without a vehicle, I sometimes sleep in abandoned buildings for air-conditioning and a warm shower. I also sleep on the streets and motels when the city provides vouchers for stays. I was in a six-year XXXX XXXX in which I am a victim of XXXX XXXX, I have had my teeth broken, XXXX XXXX, had to take unpaid XXXX leave from a part-time that was barely paying the bills to begin with, I was also diagnosed with XXXX which limits my food choices that results in me NOT eating most days and in spite of the mentioned circumstances I managed to catch up on my bills including pay this account off IN FULL W/O a settlement plan. I complained to the XXXX SEVERAL TIMES ON THEM AND THEY STILL DO NOT ADMIT TO ANY WRONGDOING!!! ADDITIONALLY, THEY DID NOT PROPERLY VERIFY XXXX  IN TERMS OF MY ACCOUNT, THEY KNEW I WAS EVICTED AND I COULD NOT RECIEVE ANY MAIL AT ALL ALONG WITH BEING PROHIBITED FROM BEING ON THE PROPERTY AFTER MY EVICTION. THE LANDLORD WROTE ME LETTER STATING THAT I WAS NOT ALLOWED ON THE PROPERTY NOR COULD MAIL COME W/O PRIOR APPROVAL SO THEREFORE I NEVER RECEIVED A LICK OF XXXX VERIFICATION FROM THESE UNEDUCATED STUPID REPRESENTATIVES WHO LACK EVEN ONE XXXX  BRAIN CELL AND NEED TO LEARN RESPECT ALONG WITH LACK OF EMPATHY!!! I PROVIDED THEM WITH HARDSHIP DOCUMENTATION AND ALL THEY COULD SAY WAS " SORRY TO HEAR THAT '' IF THEY WERE XXXX SORRY THEY WOULD HAVE HONORED MY REQUEST!!!! I AM TRYING TO GET A PLACE TO LIVE AS I AM SICK OF LIVING ON THE STREETS, LIVING MY LIFE, NOT HAVING A VEHICLE, FRIENDS, A HUSBAND WITH A FAMILY, ETC. THESE PEOPLE NEED TO FIX THIS XXXX XXXX  IMMEDIATELY!!! ALSO, THEY ALSO KNEW THAT I WAS EVICTED AND I DO NOT LIVE THERE!!!! Document passwords : Target # XXXX & XXXX # XXXX
Product: Credit reporting or other personal consumer reports

XXXX provided me with a settlement to clear up my XXXX XXXX account. I paid the full amount of the settlement. My credit report should reflect a XXXX balance owed to XXXX XXXX. If I paid less that what was owed, they can say that. They can also send me a 1099-C. However, the balance owed should be XXXX since they agreed to this.
Product: Credit reporting or other personal consumer reports

I was looking to buy a new car and looked at two online sites CARVANA and XXXX. They both offered prequlification which I thought would be useful so I could keep myself within a certain price point, and it was advertised as having XXXX impact on credit report. When I finally decided which car to purchase XXXX requested to run a single hard request and was denied credit which I did not understand why until a few weeks later denied applications from multiple lending companies that I had neither heard of nor applied to began to pour in. Over 30 in total which also ended up as hard inquiries on my credit report dropping my score to XXXX -over XXXX points in total. It has been four months since this incident and I am still in the process of disputing with the credit agencies to get these items removed. I contacted XXXX and carvana and they said I authorized the check however I was unaware they were impacting my credit report so much and the soft inquires ended up as hard inquiries as well. I was unable to get a vehicle and am exhausted by this process. The businesses messed up but I am having to clean up the mess.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX cred for {$260.00}.
It was open on XXXX XXXX 2016.
Do n't know what that is. Have no recollection of what that could be. Would like to dispute it. It 's an collection inquiry on my credit on transuinon.
Product: Credit reporting or other personal consumer reports

I reached out to this creditor as there are reporting false information on my credit profile, I requested proof of ownership of the account and contracts and I also requested a copy of the information that was used to verify these accounts as accurate and I was never supplied with any information!!
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally dispute inaccurate information that has been reported on my consumer file. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am entitled to accurate and complete information in my consumer reports, and I believe the following item ( s ) to be erroneous : Creditor/Company Name : XXXX Account Number : XXXX Inaccurate Information : o The " Date Opened '' is listed as " XX/XX/XXXX '' by XXXX but " XX/XX/XXXX '' by Experian and XXXX, causing discrepancies in account history. 
o The " Date Last Active '' is reported as " XX/XX/XXXX '' by XXXX and XXXX, but Experian reports it as " XX/XX/XXXX, '' suggesting outdated or incorrect reporting. 
o The " Comments '' field includes different remarks across bureaus. XXXX states " Dispute resolved ; reported by grantor, '' Experian mentions " Account was in dispute- now resolved - reported by subscriber, '' and XXXX notes " Account previously in dispute- now resolved by data furnisher. '' These inconsistent comments create confusion and misrepresent the accounts current standing. 
o The " Two-Year Payment History '' shows a " 30 '' delinquency for XX/XX/XXXX in Experian, while XXXX and XXXX report no delinquencies for the same period.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and noticed some accounts that I do not recognize and I have not authorized. I believe I have been a victim of Identity Theft. There are several mistakes and inaccuracies regarding the account status. I am demanding this account be immediately removed off my credit report. 

Bankruptcy XXXX XXXX I have contacted the District Court and they have confirmed that they have not given any private information in reference to this account. 



I also have attachments along with this complaint containing the correct information. 

28 USC 1746 Unsworn declarations under penalty of perjury
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with Citi bank. I can not open a bank account because of this inaccurate and unverifiable. [ 15 U.S.C 1681 ] due to the FCRA this account must be removed immediately.
Product: Credit reporting or other personal consumer reports

It has come to my attention my personal information has been exposed in a national data breach. Reviewing my credit reports, I noticed some accounts I am unfamiliar with. I have asked the CRAs for validation of debt, however, the information has not been provided. 
Due to my information being exposed, I have submitted a FTC complaint reporting the info i am not familiar with. 

Please find attached a copy of My ID, The FTC complaint, a copy of the XXXX report showing my information being exposed in a national data breach and a Validation of debt Letter.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these + transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also XXXX XXXX allowed repeat offenders to exploit the system, leaving users vulnerable to scams. Which I was a victim of back in 2021 and XXXX was unable to assist
Product: Credit reporting or other personal consumer reports

The items in question on my credit report are currently involved in pending litigation due to significant reporting errors. As a result of this ongoing legal process, you will be unable to verify the accuracy of these disputed entries. Under 15 U.S. Code 1681i ( a ), unverified items must be removed from my credit report.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX data breach exposed my PII to companies and individuals which has adversely affected my ability to earn a living and secure my identity from further theft and fraud. There are late payments, false accounts and inaccurate information that need to be removed immediately to prevent further harm and to reinstate compliance with federal regulations.
Product: Credit reporting

Shows i had a bankruptcy in the remarks section and this is false never had bankruptcy, just check my personal info. XXXX refuses to remove this and says they did n't report it.
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. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number XXXX XXXX Please remove it from my credit report. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 

3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 US-CODE 16921 XXXX XXXX XXXX Account Number : XXXX Delete this account. 

6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Delete this account. 

8. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 

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

10. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 

11. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 

12. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

13. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

14. 15 US-CODE 16921 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

15. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 

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

17. 15 US-CODE 16921 XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

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

19. 15 US-CODE 16921 XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

20. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit profile has multiple inquires that were not made by me I have submitted a complaint almost 60 days ago and still nothing has changed please remove these fraudulent inquires. I have mailed my ID and SSN and theft report multiple times and still havent gotten a response.
Product: Debt collection

I have disputed a collection that is being reported by Credit services. This collector unlawfully increased the amount of a medical debt with punitive fees and interest charges. Credit Service responded with a response ( which I have included the entire response in the attachments ) that " Your accounts are showing a current balance due of {$3700.00}, which includes an accrual of interest. '' I have also included the documents they provided which show an original amount of {$2600.00}. Which I was charged the It is unlawful to add over {$1100.00} in interest and fees to a MEDICAL bill to which they still have not provided me any proof that I legally owe them this money. The original documents from the original provider does not include any interest or fees, nor does it state that I am responsible to pay Credit Service, nor did they provide me with a signed HIPAA release form. Which now they have violated over XXXX FCRALaws, FDCPA and HIPAA LAWS.