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

This account was written off. As Stated on the report. And sold to a 3rd party company. 
It is against the law to sell or share info. 
This debt was excused as a collection, then Put back on the report as. Charge off. 
According to the law on credit this information Should be wiped off all id the major credit Bureau. If not I will start sueing for every Violation.
Product: Credit card or prepaid card

On XX/XX/XXXX, my son was told he required an immediate XXXX to identify the cause of issues he was having. As he is underinsured, he was unable to pay the {$1400.00} doctor fee. I, as his father, did not have the funds either and was forced to use my Care Credit card to pay for it. I have been making monthly payments on the balance starting in XX/XX/XXXX. Due to COVID, my son was unable to pay the full balance due on XX/XX/XXXX and Care Credit ( Synchrony ) charged a penalty payment of {$420.00} in addition to the {$1000.00} due which I think is criminal ( 26.99 % ). Now the issue is even worse and I do not believe that taking advantage of people during a pandemic is fair or reasonable. My son is still unable to pay and now I will have to pay it which puts a tremendous strain on my finances. Please advise what can be done.
Product: Credit reporting or other personal consumer reports

I Recently Received A Copy Of My Credit Report And Noticed Several Inaccurate and Unauthorized Accounts/ Information Reporting To My Credit Report. These Remarks Have Been Detrimental To My Life And Credit Health.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the Experian 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 : Account number : XXXX XXXX XXXX XXXX XXXX XXXX : Account number : XXXX, XXXX XXXX : Account number : XXXX XXXX XXXX : Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX : Account number : XXXXXXXX XXXX XXXX : Account number : XXXXXXXX XXXX XXXX  : Account number : XXXX XXXX XXXX : Account number : XXXXXXXX XXXX XXXX : Account number : XXXXXXXX XXXX XXXXXXXX : Account number : XXXX, XXXX XXXX : Account number : XXXX XXXX XXXX  : Account number : XXXX, These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

I applied for the AMEX Premier Rewards Gold card on XX/XX/2018 and was assured delivery by the following Monday. When the card did not arrive, I called AMEX to inquire about the delayed delivery. Because the card did not arrive on time, AMEX agreed to send me a " replacement '' card. However, the replacement was for a completely different card -- my XXXX credit card. As soon as I caught this error, I called AMEX to rectify it. However, instead of sending me the correct card -- my Premier Rewards Gold Card -- I was incorrectly sent a second XXXX replacement card. 

This week I've called AMEX and their shipping partner, XXXX, roughly 20 times to sort this out. In the process, I've been mailed three incorrect replacement cards and have been provided with at least five different arrival dates for my new credit card. 

This delay has inhibited me form taking full and fair advantage of my new cards introductory offer which which requires that I spend {$2000.00} within the first 90 days of account opening. 

Additionally, I NEVER authorized any of the three replacement cards that were sent to me. I specifically requested that I receive my Premier Rewards Gold card each time I called, and never asked for my delta card to be replaced.
Product: Debt collection

Re : Dispute of Fraudulent Debt with Capital One Dear Consumer Financial Protection Bureau, I am writing to formally request the reopening of my case regarding Capital Ones refusal to validate a fraudulent debt of {$2600.00} associated with an account I did not authorize. Despite my previous dispute, Capital One has provided incorrect and misleading information in response to my complaint, which I am now seeking to correct. 

Errors in Capital Ones Response : 1. Incorrect Address Association Capital One claims my account is linked to XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX, but I have never lived at this address. My correct addresses are : Current Address : XXXX XXXX XXXX, XXXX, NY XXXX Previous Address : XXXX XXXX XXXX, XXXX, NY I have already reported XXXX XXXX XXXX as a fraudulent address to the credit bureaus, confirming it is not associated with me. 

2. Identity Theft & Fraudulent Account Activity I have been a victim of identity theft, which has resulted in unauthorized accounts and fraudulent transactions on my credit report. I have already reported this issue to the credit bureaus and requested removal of fraudulent accounts and addresses linked to the theft. 

3. Capital Ones Failure to Acknowledge Fraud Capital One is using public records tied to fraudulent activity to claim that I am responsible for this account. However, these records are the result of identity theft and do not reflect my actual residence or authorized financial activity.
Product: Mortgage

I am unable to gain access to my mortgage information online. I have called Newreez mortgage support line on at least 6 occasions over the last 3-4 week trying to get access to my online account for loan for my property in XXXX XXXX, Md. In a call about 7-10 days ago I was told a ticket with IT would be opened and would be resolved in 2-3 days. I called back days later and they told me it takes 5-7 days to resolve IT tickets and that someone would call me. Non once contacted me. I called back on XX/XX/16, which was more than 7 days form my last call, waiting 20 min on hold for someone to pick up the phone. The person who I think was XXXX XXXX, said he would check the status of the ticket. He then transferred me to collections instead. A woman in collections named XXXX said she did not get a warm hand off and had to verify me again. She also did not know how to check on the status of an IT ticket and instead opened another ticket. She told me the ticket number was XXXX. 

The quality of support that I have received since NewRez took over my mortgage a month ago has been horrible.
Product: Credit reporting or other personal consumer reports

These are the inquires I did not authorize. 


XXXX XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX ( XXXX ) XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXXXXXX XXXX XXXX. 
XXXX : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX + Miscellaneous ( XXXX ) XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Product: Vehicle loan or lease

XXXX i XXXX XXXX XXXX XXXX payment for XXXX cents to hyundai finance XXXX and they took a extra payment out of my checking account with out my permission and put my checking account in XXXX  i call theme and informend them what they did and they got very XXXX  with me they are not suspose to go in people acct and take over the mount they was suspose to take just XXXX not XXXX.
Product: Credit reporting or other personal consumer reports

I don't have any idea about this account. This is purely identity theft. This account damaging my good credit reputation! 

DELETE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

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  Collection/Chargeoff I will never stop filing complaints against you because I know my rights! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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.
Product: Debt collection

FMR ( Forward Movement Recovery ) is contacting MY family, instead of me for who knows what? And providing information about me to my mother and father. This is against the law and privacy, sharing my personal information with others when i am NO MINOR. 

They have called form a XXXX and XXXX They have not attempted to call MY phone ( XXXX ) which is still a valid number, this is harassment unless they give me a valid reason WHY they have contacted others other than myself to request information or give information.
Product: Credit reporting or other personal consumer reports

My student loan with XXXX is still showing as current as of XX/XX/ XXXX XXXX My account with XXXX was closed and moved to XXXX as of XX/XX/XXXX XXXX however my credit report reflects that I have a student with both XXXX and XXXX. I ONLY ( not screaming ) have a federal student loan with XXXX! Please have this matter resolved.
Product: Credit reporting or other personal consumer reports

I discovered that some items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time framespecified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXXXXXX 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 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

I am writing this letter in reference to XXXX that your company is currently reporting to XXXX and XXXX under my name. The account is being reported to have a derogatory rating which is very troubling to me! Ima worried about my credit because I was recently denied a loan and my existing credit accounts have increased my current interest rates. Please be advised that this negative rating has caused me some serious financial distress & will continue to cause me financial and emotional distress until it is resolved
Product: Credit reporting or other personal consumer reports

I RECEIVED A COPY OF MY CREDIT REPORT AND FOUND THE FOLLOWING ITEMS TO BE ERRORS, OR ARE DEFICENT OF PROOF OF NOT BEING UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, OR ELSEWISE, NOT COMPLIANT, TO INCLUDE TO XXXX XXXX REPORTING STANDARDS. 
EXPERIAN, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX  Please remove this inaccurate, untrue, incomplete, and non-compliant information from my credit report immediately This is a violation of the FCRA and is a sign of violation of required XXXX XXXX Compliance Reporting. 
By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE REULATIONS, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report.
Product: Checking or savings account

Bank of America had and offer on my app to open a business account and receive $ XXXX.I first went into a branch location and tried to open the account but was told I had to go through my app and open the account online. I opened the business account in XXXX of XXXX for XXXX XXXX XXXX XXXX. There were stipulations for getting the bonus : deposit {$3000.00} in 90 days and make XXXX electronic transactions which I fulfilled well before the expiration date. When I had not received the money by XXXX of XXXX I called and was asked to wait until XXXX which would be 90 days passed the date of my fulfillment. I called in XX/XX/XXXX and spoke to XXXX XXXX who escalated my case and gave me the reference number XXXX. 
Still no bonus money. I called again on XX/XX/XXXX XXXX XXXX  and spoke with XXXX who advised me to wait yet again 90 days past the escalated date of XXXX. I called again on XX/XX/XXXX at XXXX pm and was told a supervisor would call me by XXXX XXXX  the following day. I did not receive a call. I called the XX/XX/XXXX ath XXXX and requested a supervisor, I spoke with XXXX who advised that BOA was having trouble finding the promo code for the offer and said she would call me back. Still no phone call. I did everything correct to receive the bonus and believe I am entitled to it.
Product: Credit reporting or other personal consumer reports

Recently, I reviewed my credit report and discovered several inaccuracies.

According to 15 U.S. Code 1681e ( b ) - Accuracy of report, a consumer reporting agency must follow reasonable procedures to ensure the highest possible accuracy of the information in a consumer report.

Additionally, 15 U.S. Code 1691i ( 5 ) - Treatment of inaccurate or unverifiable information, states that if, after reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify the information as necessary and notify the furnisher of the changes.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is in violation of reporting transactions or experiences on my consumer report. Law 15 USC 1681a 2 ( A ) ( i ) exclusions clearly states the consumer report does not include transactions or experiences. 
This also violates my right to privacy, is negligent non-compliance, civil liability, deformation of character
Product: Credit reporting or other personal consumer reports

Hello, I have recently noticed fraudulent activity on my credit reports. What I have found, has led me to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regards to this incident. 

Please remove the following fraudulent items. Accounts : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting my name be removed from a car loan with XXXX XXXX effective immediately. I have no affiliation with this vehicle nor did I sign any documents connecting me to this debt. I have been trying for years to get this vehicle off my credit with little to no help from XXXX XXXX. I was under the impression this issue has been resolved since I received a letter from XXXX  dated XX/XX/2019 stating this item was Deleted from my credit report. This item does not appear on my XXXX XXXX for XXXX or Equifax. My credit score based on XXXX XXXX for XXXX  is XXXX and Equifax credit score is XXXX. I am in the process of trying to purchase a new house and was denied the loan due to this encounter and my credit score appearing as XXXX. This debt is affecting my credit tremendously and I am requesting for this to be removed. 
The owner of this car is from from XXXX, New York and his girlfriend is from Texas. Im not sure if he still resides in XXXX, Ohio. The car was basically stolen because the monthly payments are not being made. I have never attempted to make a payment on this account because it's not my car or obligation. I have not seen nor talked to the owner in over 5 years. I have made several attempts to contact him with no success. 
The car dealership where this car was originally purchased has since gone out of business.
Product: Credit reporting or other personal consumer reports

I spotted errors in my credit report related to late payments. These dont match my history. Please update.
Product: Credit reporting or other personal consumer reports

Subject : DEMAND FOR IMMEDIATE BLOCKING AND DELETION OF FRAUDULENT ACCOUNTS PURSUANT TO 15 U.S.C. 1681c-2 ( a ) Dear Experian Dispute Department, I am writing to formally demand the immediate blocking and deletion of all fraudulent accounts and unauthorized inquiries that have appeared on my credit report due to identity theft resulting from the Equifax data breach. Pursuant to 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), you are legally required to block and remove this fraudulent information from my credit file upon notification and receipt of supporting documentation.

The fraudulent items I am disputing include : Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) - XXXX Unauthorized Credit 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 XXXXXX/XX/XXXX To assist with your investigation, I have enclosed the following documents : A copy of my government-issued ID Proof of address FTC Identity Theft Report As a victim of the Equifax data breach, my personal and financial information was compromised, leading to fraudulent activity on my credit report. I expect Experian to take immediate action to rectify the harm caused by this breach.

I demand written confirmation that these fraudulent accounts and inquiries have been permanently removed from my credit report. Additionally, if any disputed item is reinserted into my credit file, I expect Experian to provide a detailed explanation, including the evidence used to verify its accuracy.

Failure to comply with this request will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my state attorney general, and any other relevant regulatory authorities. I expect a resolution within the legally mandated timeframe and will pursue all available legal remedies if necessary.

Please confirm receipt of this letter and provide a resolution promptly. If you need further information, I can be reached at the information above..

Sincerely, XXXX XXXX XXXX Enclosures ID Proof of Address XXXX FTC
Product: Debt collection

Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is not a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Ttle and Section. I respectfully request your offices provide me with evidence that I have any legal obligation to pay you, including the following documentation : 1. Agreement with the creditor that authorizes you to collect on this alleged debt ; The agreement bearing my signature stating that I have agreed to assume the debt ; Valid copies of the debt agreement stating the amount of the debt and interest charges ; 4. Proof that the Statute of Limitations has not expired ; 5. Complete payment history on this account along with an accounting of all additional charges being assessed ; 6. Proof that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your office fails to reply to this debt validation letter within thirty ( 30 ) days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.