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

I received my credit report then I called XXXX, Equifax XXXX XXXX in regards to Inquiries and addresses that were being reported on my consumer credit report and I was on wait for a very long time for each consumer reporting agencies before getting the fraud department. After getting through and telling them the situation they would not remove them from my report ( XXXX ). XXXX reporting 55 Inquiries & 2 Addresses, Equifax reporting 35 Inquiries & 7 Addresses, XXXX reporting 25 Inquiries. Under US 1681 and 1681n It is my legal write to seek damages moving forward because it has damaged my credit scores tremendously for me and my family. I have uploaded the Inquiry & Addresses parts of my credit report from each Credit Reporting Agencies and pointed & highlighted each one on each report.
Product: Credit card

I got a credit card from BMO after getting an auto loan from them in XXXX I used the card often, so it wasn't a non usage issue, the account was not delinquent, my payments were on time and it was in good standing. I got an alert through Equifax about the account being closed in XXXX. I contacted the card issuer to see if this was an error and was informed the account was closed, the decision was final, and I'd receive a letter outlining the company 's reason for closing the account. When the letter arrived 20 days later, it explained nothing and was a standard form letter. I reached back out to the company with no further explanation as to the account closure. The card had a limit of over {$4300.00}, so it's closure will have a negative impact on my credit score. I do find it extremely suspicious that the company considered our business relationship as one " that may not fit within their requirements '' shortly after the original car loan, which was XXXX months, was paid off in XXXX of this year, after trading the car in, only XXXX months prior to them reviewing my account and determining our relationship didn't fit within their requirements, even though the account was in good standing. I feel the company singled out consumers who's loans were paid off before the end of their terms and their accounts were reviewed and probably closed as mine was closed.
Product: Credit reporting or other personal consumer reports

Bureau Name : Bureau Address : [ Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified. the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1000.00} XXXX XXXX  {$120.00} XXXX  XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXXXXXX Balance : {$760.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX  FL XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX ; XXXXXXXX XXXX XXXX XXXX : {$4500.00} ; XXXX XXXXXXXX Balance : {$760.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a request to XXXX, Experian, and XXXX XXXX to investigate an error that appeared on my credit report. They were supposed to respond within 30 days, but I have not yet received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Product: Debt collection

XXXX XXXX Fraud & ScamSince, XXXX 2013 I have XXXX XXXX Services. I just Recently, Signed another 2 Years Contract with XXXX. I order XXXX Phone with Color of my Family. XXXX Phone Came in with right Colors and XXXX Phone wrong Color I called XXXX and ask them to Change the Color and Tell told me to Return the Phone to any XXXX XXXX we 'll send you the Right Color? Since then I Never received any Phone and My Service from XXXX Disconnected and They send me the {$660.00} Bill me to Pay. I called them Many time and Whenever, I come to the Point to ask Money Phone Automatically Disconnect. Scam already set to Collect Money with in1-2 Mins and When Customer Service? Or any other Services will take 1-2 Hours waiting time. 
Scam Set for Asking Your Phone ... Zipcode .... PIN # etc etc. When Representatives Pick up the Phone Ask you Exact same Question You Feed on the Call on Automatic Call. It 's take another 5-10 Mins. Then They Start Conversation? CAN YOU PLEASE GIVE US 5-10 MINS TO REVIEW YOUR ACCOUNT? 
AFTER SCAMMING ALL THESE NONSENSE QUESTIONS? LET ME CONNECT YOU TO OUR SUPERVISOR? Them it will take from XXXX waiting time. 
When you ask from Supervisor all these question? Why My account due for {$660.00} Dollars? And Why My Services Disconnected? OH SIR OUR SYSTEM IS DOWN? WE WILL CALL YOU AS SOON AS WE GET OUR SYSTEM BACK. When You call them Back and ask Them Why I did Not Received the Call from your Supervisor? They Hang-up the Phone. 
They Take Your Number and Never Call you Back. I have tried XXXX times and Finally Gave up! 
I Need to File the Compliant Against XXXX XXXX and Get my Full Refund from XXXX and Disconnect the Services and Keep my Phone Numbers and Join other Mobile Services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a complaint about four accounts that keep appearing on my credit report and that do not belong to me. The accounts in question are with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have never opened or used these accounts, and I have no knowledge of how they came to be associated with my name. I have made multiple attempts to have these accounts removed from my credit report, but they keep reappearing. 

This situation is causing me significant stress and frustration, as it is affecting my credit score and making it difficult for me to obtain loans or credit cards. I am also concerned about the potential for identity theft or fraud. 

I request that the Consumer Financial Protection Bureau investigates these accounts and takes action to have them removed from my credit report as soon as possible. I will provide any necessary documentation or information to support my claim. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I got a call from Chase asking me to confirm a transaction from XXXX to Chase. They called a rep from XXXX and confirmed my account. Then the Chase rep left the line without warning and left me alone with the XXXX rep. I tried to call them back but they had called me from an outbound only number. I tried to log into online banking and found out my online banking was locked AGAIN. They've locked me many times in the past month each time for something very minor. Unlocking the account requires hours on the phone on hold, and sometimes visiting branches in person.
Product: Credit reporting, credit repair services, or other personal consumer reports

YOUR COMPANY is continuing to report fraudulent accounts on to my credit file that they maintain. XXXX with a past due amount of {$670.00} opened XX/XX/XXXX and XXXX XXXX XXXX opened XX/XX/XXXX with a past due amount of {$670.00} do not belong to me. I am a victim of identity theft and these account are a result of such.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ... Patch Homes ... NoahXXXX continues the systemic Institutional XXXX oppression, and XXXX inequality treatment of my personal credit profile ordering a hard credit inquiry WITHOUT my signed authorization. Either provide a signed by me ( XXXX XXXX ) application, document with my signature authorizing such, or IMMEDIATELY remove the erroneous inaccurate inquiry from my credit reports!!!
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. Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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. The above companies have not verify proof of my identiy. drivers licence or signatures
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. 
XXXX XXXX XXXX : # XXXX XXXX XXXX : # XXXX XXXX XXXX : # XXXX XXXX XXXX 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: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada, XXXX XXXX XXXX XXXX XX/XX/XXXX Chex Systems , Inc. 
Attn : Consumer Relations XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX Last 4 digits of SSN : XXXX Re : Dispute of Information on ChexSystems Report Dear Chex Systems, I am writing to formally dispute the accuracy of information contained in my ChexSystems report. I recently obtained a copy of my consumer disclosure report and identified discrepancies listed without my my permission that require immediate attention. 

I dispute the reported negative entry on my ChexSystems report, specifically 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). In the absence of any such documentation bearing my signature, I ask that this information be immediately deleted from the file you maintain under my Social Security Number. I request that you conduct a thorough investigation into the disputed information within the 30-day time frame mandated by federal law. 

Upon completion of your investigation, I request that you provide a written response detailing the results and actions taken. If the disputed information is found to be inaccurate, I expect its immediate removal from my ChexSystems report. 

Please communicate the results of your investigation in writing to the address listed above. 

Thank you for your prompt attention to this matter. I trust that you will conduct a thorough and fair investigation to rectify the inaccuracies on my ChexSystems report. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Every time I try to login to TransUnion website it tells me ... your " login has been suspended ''. 

This happens EVERY SINGLE TIME. There is nothing wrong with my username and password. Everything is current and correct with my username and password. Even when I call TransUnion they give me a song and dance about their website. They offer no apologies about the difficult of access my free report through their website. 

I haven't received an updated report since XX/XX/2022. A LOT has changed now, I just tried once again to access my information on XX/XX/2022 at XXXX XXXX XXXX XXXX It tells me that my " account has been suspended ''. 

I am very angry now. I don't have time for this. AND I don't have time to CALL Trans Union every time I need my updated and complete credit report. 

PLEASE MAIL TO ME my COMPLETE AND FULL CONSUMER CREDIT FILE ASAP! 

Thank You XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : 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  Disputing Inaccuracies on My Credit Report Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone Number : ( XXXX ) XXXX XXXX To Whom it May concern : I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. This is a inaccurate Fraudulent account and I've also been contacted by your company about a debt you allege, I owe several times from XXXX XXXX XXXX XXXX XXXX This has hindered me from being able to provide for my family on many occasions. This Collection account is reporting as a Delinquent Account and recently changed into a repossession with a past due balance of [ {$9100.00} ]. Please be advised that this account is only shown on Experian not XXXX or XXXX. This is a Fraudulent Item also displaying that it is a joint account! I do not know anyone of the name XXXX XXXX. I am frustrated and irritated please correct this immediately According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. This rule is effective XX/XX/XXXX. Please reinvestigate this matter and delete the disputed item as soon as possible. 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. please send me the names and addresses of all individuals you contacted so that I may follow up with them directly A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I am requesting that your company provide me with debt validation be advised, this is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g et seq. of the Fair Debt Collection Practices Act ( FDCPA '' ). Please provide a breakdown of fees, including any collection costs. Please provide a report of comparative analysis between the dubious signature and the signature recognized by the alleged signer, if any. Finally, please provide an affidavit signed under Penalty of Perjury that your organization has not violated any portion of the FCRA, FDCPA. 


Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

NRXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The above financial institution I have contact via email and phone calls approximately 5 times over the last 3 weeks. Dates are XX/XX/XXXX XX/XX/XXXX XXXX and other dates approximately XX/XX/XXXX. Each time I contact them to have the loan removed from my credit report they ask for different paperwork. I filed bankruptcy on the loan/mortgage after my divorce in XXXX! I am not financial responsible for the loan! I filed my bankruptcy paperwork and a hand written letter as they requested. They refuse to remove it from my credit report! This had negatively affected my credit report by XXXX points!
Product: Credit card or prepaid card

my husband was involved in a XXXX XXXX collision and hospitalized. we lost his income for 30 days. Durring that time all I could cover was our mortgage and utilities. I explained the situation and they continued to call me each hour on the hour while I was at work. They demanded to know who my employer was and threatened to call my boss. they told me if I didn't pay they would garnish my wages. I made a payment over the phone totaling {$310.00} so they would leave me alone. Then I had to go to a food shelf because that was all the money me and my husband had. They are a scam. 

when XXXX XXXX offered me their credit card at the register, I thought it was a real XXXX XXXX credit card. Instead I got this card from XXXX. They tripled my payment within 6 months. It is a complete scam. 

I am working through a debt management plan and they refuse to work with me. They told me I should file bankruptcy because unless I do they are going to get their money from me.
Product: Debt collection

These debt are not mine. They seem like they maybe payday loan and I have never take a payday loan. They will not mail me any information and all this was via phone calls. 

Complete Credit Solutions XXXX XXXX XXXX XXXX
Product: Debt collection

I have attempted to contact National Credit Services , Inc. via email and phone in order to have an incorrect account on my credit removed. The account in question involves an eviction from XX/XX/XXXX which was paid off in XX/XX/XXXX directly to the property management company ( XXXX XXXX XXXX ). I have a Release of Judgement showing that the amount is paid in full but have not been able to reach anyone at National Credit Services , Inc .
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$30000.00} XXXX XXXX XXXX XXXX Balance Owed : {$4100.00} XXXX XXXX XXXX XXXX Balance Owed : {$4600.00} XXXX XXXX XXXX  Balance Owed : {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to state that Experian is in violation of 15 USC 1681 ( a ) ( 2 ) which states that a consumer reporting agency may furnish a comsumer report in accordance with the written instructions of the consumer. I the consumer never gave Experian written consent to report anything on my consumer report. No consent is identity theft. I demand that you remove these inaccuracies off my consumer report immediately. If they are not removed I will not extend my credit to anyone or allow Experian to furnish a report for me. I would like to state pursuant to 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reporting. By allowing Experian these inaccuracies to be furnished on my consumer report, it may cause me to lose confidence in the banking system. If Experian wants to continue to do business with me, they should delete these inaccuracies off my consumer report.
Product: Mortgage

I received the covid mortgage assistance from Wells Fargo, but they did not close the payments I missed. They instead put the six payments on the missed payments I currently have, which made my payments further behind and more in amount. I have called numerous times starting in XXXX of XXXX and Wells Fargo employees in the re-entry and home preservation department are not assisting me. Wells Fargo employees from both departments are nasty and hang up the phone when I call. No one is willing to assist me with the loan modification or rectify the payments I missed from their covid mortgage assistance program. I fell on hard times and missed some payments but I want to stay in my home. Me, my wife and son would be homeless if Wells Fargo have their way. I believe they're trying to take my home instead of assisting me with the missed payments. This is a brief summary of what I've been dealing with, with Wells Fargo. I have been lied to and lied on by Wells Fargo employees. My wife and I are currently in bankruptcy and Wells Fargo are trying to remove the protective stay so they can take my house. Please help, my wife and I are XXXX. I'm also a veteran of the United States XXXX. I served and fought for my country.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reinvestigated my credit report on XXXX, I see that the same accounts were erroneous. The 3 credit Bureaus 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 Balance : {$16000.00} XXXX  XXXX Balance : {$120000.00}
Product: Credit reporting

This company is reporting various names and addresses that have never belonged to me and even though I have provided documentation they have not corrected the information on my credit report.