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

I am a victim of a data breach, and as such, fraudulent accounts and inquiries have been added to my credit report without my authorization. Pursuant to 15 USC XXXX ( a ) and FCRA XXXX ( b ), I am formally requesting that the following accounts and inquiries be blocked and permanently deleted from my credit file. 
Accounts : XXXX. XXXX - XXXX - XX/XX/XXXX - {$630.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$680.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$610.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$530.00} XXXX. CXXXX  - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$2200.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$590.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$490.00} XXXX. JXXXX - XXXX - XX/XX/XXXX - {$620.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$620.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$490.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$520.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$550.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$560.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$550.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$560.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$520.00} XXXX. XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$590.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$630.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$680.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$670.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$610.00} Inquiries : XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX  XXXX - XX/XX/XXXX XXXX. XXXX  XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX
Product: Credit reporting

Upon review of my XXXX Credit report I noticed company name : Optimum Outcomes has reported a collection account under my name. I do not have any binding agreement with Optimum Outcomes and was not aware or notified of this item being reported under a collection status. This account is showing in a closed status with a balance of XXXX in a paid status. Please explain why this company is reporting this account as collection. 
Please attach copies of : Please have company provide the following : Complete payment history, the requirement of which has been established Agreement that bears the signature of the alleged debtor Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) In addition if this debt has been paid please remove this item as this is not a collection account and has been reporting under my name to the XXXX incorrectly.
Product: Checking or savings account

XX/XX/year> attempted to change address, questions did not make sense could not authenticate... 

XX/XX/year> failed attempt to change address with same inconsistent questions .... 

XX/XX/year> attempted to change address to my new address, asked me public information with inconsistent answers/questions could not verify XX/XX/year> attempted to change address to new address, asked same series of questions that are inconsistent XX/XX/year> attempted to change address, failed XX/XX/year> attempted to change address to my new address, asked me series of logically inconsistent questions that are supposedly public information and could not authenticate My banking information might have been leaked due to malfeasance of this company. They have not made any effort to authenticate me ; I would need to buy a plane ticket to visit the nearest branch and I made this clear to them, but they keep asking the same series of logically inconsistent questions. 

Despite this I can log into my bank account, withdraw funds, transfer funds, so that is not the issue, but my personal information related to this particular account might have fallen into the wrong hands, since they had sent statements to the old address and I have no peace of mind that they wouldn't send my new debit card to the old address.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again Im having problems with my identity since XX/XX/XXXX. Your company has been awesome. I actually feel heard and you respond or get the company to respond. Thank you. I tried to get my XXXX after I found an error with Transunion. Id be overjoyed if they actually agreed I am ME but for years of identity theft caused by my ex husband my name is Mudd So since I couldnt get my report online they said I could get it by mail so I sent for it on XX/XX/XXXX from Trans Union have not gotten a response have not gotten my credit report. According to what I read in the FTC they had 15 days from receipt to mail to me. It is now XX/XX/XXXX and NOTHING. Cant get it online or mail. I really am trying to undo all the damage my ex has done and these companies make it so hard I almost want to give up. 
I wanted my credit report from all three companies and Requested that Online through XXXX XXXX XXXX   XXXX but all three rejected me. Its a lot of work being me. Thank you. XXXX
Product: Credit card or prepaid card

XX/XX/2023, Some time ago I applied for and was accept for a PenFed Credit, they require {$10.00} dollars to finish the application; so I sent them XXXX dollars and they send me a credit card ; only to require more information after I was approved, but I was sick and was unable to send the rest of the information. Now the refuse to return my XXXX dollars.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

DEPT OF EDXXXX XXXX XXXXXXXX XXXX {$0.00} ; DEPT OF EDXXXX XXXX XXXXXXXX XXXX {$0.00} ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$12000.00} XXXX
Product: Checking or savings account

I received an offer to open a high yield savings account with an interest rate that is variable and subject to change at anytime. I opened an account and transferred a large sum of money in. Then I logged into my account online ( and also via the app ), and I realized that my current interest rate is nowhere to be found. 

I reached out to a representative via chat and after about 20 minutes on hold, was informed that the information is not available online and that I would either have to call or chat with a representative to able to access that information. ( The rep did provide me with my rate, which is what was advertised ). However, due to the fact that I can not readily access this information, that by their own terms is " subject to change at anytime '' places me in a position of continuously having to monitor and by extension, spend an inordinate amount of time daily if I want to keep informed of my current rate. 

I believe not having this information readily available online for my immediate access is a flagrant attempt to conceal pertinent details of my account from me. Further, although they disclose that the rate is subject to change at any time and without notice, this is at best, a deceptive practice and tactic ; as no rational person would think that they would not be able to view their account details online while being able to do everything else online, such as move large sums of money in and out. Which I was able to do via this institution 's online portal. 

I feel this is an intentional and deliberate attempt to steer customers and their dollars in, under the guise of " transparency '' ( in that their terms do indeed clearly spell out that the rate is subject to change and without notice ) but the most basic and essential elementhaving clear access to ones account details, is all the while obscured. 

I want to officially lodge this complaint as I would have never even bothered opening an account had I known this. As a result of the deceptive practice, I now have to make a decision, keep my money in, and spend an inordinate amount of time daily to keep abreast of my account, or move my money back out and lose another XXXX business days on a high balance not accruing interest somewhere ( as it took 5 days in transit just to get the funds in ). Either way, Ive lost time and money already. Not to mention the time spent in having to lodge this formal complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of 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 receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as XXXX 's XXXX date breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX : {$3500.00} ; XXXX XXXX  XXXX Balance : {$6100.00} ; XXXX XXXX XXXX : {$1900.00} XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX Balance : {$300.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX Balance : {$2300.00} ; XXXX XXXXXXXX XXXX Balance : {$3800.00} ; XXXX XXXX XXXX  XXXX Balance XXXX {$3600.00} ; XXXX XXXX XXXX XXXX Balance : {$5500.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX {$7700.00} ; XXXX XXXX XXXX XXXX Balance : {$520.00}
Product: Checking or savings account

My account was hacked and scammed for bit and bits of money at a time and when I finally noticed it and tried to dispute it thru my bank they were acting like they were on my side and was going to help I tried to contact then along the process the just got more and more aggressive with me even though I was as respectful as I can be, over {$7000.00} dollars have been taken from my account theres even sports betting on there and I still get denied they should know that Im not XXXX how can I possibly be sports gambling. They were overly rude and unhelpful.
Product: Credit reporting or other personal consumer reports

In XXXX I received notifications from my credit union and other credit accounts that XXXX XXXX had posted XXXX late payments on my credit reports. This reduced my credit score by XXXX points, or more. 

I went on to my XXXX account and downloaded my history report from XX/XX/XXXX XX/XX/XXXX. 

My payment due date is the XXXX of the month. As you will see, there were no late payments, in fact the majority of payments were early. 

I decided not to use a credit reporting service or contact XXXX due to the situation I experienced with my conversation with a XXXX representative and complaint filed with XXXX. I filed a complaint regarding this situation with CFPB yesterday. ( Complaint Number XXXX ).
Product: Credit reporting or other personal consumer reports

I am disputing the reporting of an account from XXXX XXXX XXXX on my credit report due to inaccuracies, incomplete reporting, and legal violations. Specifically : Inaccurate Reporting Across All Bureaus : XXXX lists the account as " Charge Off. '' TransUnion lists the account as " Charged Off as Bad Debt. '' XXXX lists the account as " Unpaid Balance Reported as a Loss by Credit Grantor. '' However, XXXX has not issued a Form 1099-C for the alleged cancellation of debt, which violates IRS requirements and Metro 2 guidelines. 
Legal Violations Related to the Account : The account is based on an unlawful repossession. XXXX failed to comply with North Carolina law ( N.C. Gen. Stat. 20-58.4A ), which requires proper notice of default and the right to redeem or reinstate a vehicle loan to be sent by certified mail to the borrowers address. Instead, their notice was improperly sent to their own office in XXXX, GA, and not to my address in XXXX, NC. 
Deceptive Practices in CFPB Complaints : XXXX has provided inconsistent and misleading responses to prior CFPB complaints, raising concerns about the accuracy of their reporting and handling of this account. 
These inaccuracies and violations have negatively impacted my creditworthiness.
Product: Checking or savings account

I transferred money to BBVA and I received an email that it was completed. The next day I checked my BBVS account and the transfer was not there and they refused to pick up the phone. I attached proof that they received it.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Equifax continue to report incorrect information on my consumer report in which they resell for profits. I have previously disputed this information and the consumer agencies will not delete the information. My only name is XXXX XXXX and I do not have a residential address because I do not live in one place but a XXXX XXXX XXXX mailing purposes only which is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. I do not have a home and any address is not mine but those of other people that you have linked me to illegally and now causing me extreme problems. I have provided my identity paperwork and proof of my mailing address and yet each consumer agency still requested me to resend the information to stall int he removal process. XXXX, XXXX, and Equifax now have XXXX business days to delete any information that are not willing to swear under penalty of perjury to. Failure to do so you will be sued. XXXX I am already suing you because of your inaccurate reporting and you still continue to break the law. XXXX and Equifax now have the same opportunity before I sue you. You are for profit companies that make money solely from selling these reports and you have a legal obligation to report correct information. You are not and that is a big problem for me!
Product: Debt collection

I have been contacted by a company named XXXX XXXX XXXX XXXX, XXXX who alleges that they are representing ACE cash express in an attempt to collect a debt from XXXX. I have explained to the company, XXXX, that I am unaware of this debt and that its been 16 years ago. I have not received proper documentation verifying the debt as they indicate that I obtained a payday loan in XXXX. I have asked for the documentation and have not received this. I have contacted ACE and they indicated that I have a XXXX balance and any debt was charged off and sold to company XXXX in XXXX. XXXX was contacted on XX/XX/XXXX and they indicated that they do not contact individuals in this threatening manner and that they no longer have the account as it was sold again to a company XXXX XXXX  who when canted had no information on the account. 

The company XXXX has contacted 4-5 different relatives and friends threatening to sue me and them for the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2017 I was at XXXX. A XXXX XXXX   representative asked me to punch in my social security number in order to determine if I qualify for service with them and did not have any outstanding accounts. I asked to make sure it was NOT to run a credit inquiry, and was ASSURED it was not. However I now see it on my credit report as a hard inquiry!
Product: Credit card or prepaid card

On XXXX XXXX, I paid XXXX XXXX XXXX {$3300.00} in hopes of paying off the card. I ended up over paying and a balance of - {$250.00}. I did n't request a refund since I shop on XXXX often and knew I would eventually use the credited balance. XXXX has a policy ( unknown to me ) that if the balance is n't used in 60 days, they automatically send the credited balance as a refund check. They ended up sending the check to the wrong address. In addition, they never informed me of this policy or that the check was sent. I only found out when I checked my account after making a purchase ( a month after this check was supposedly mailed ). I spoke with a customer service representative and they said that the check would be cancelled and a new one sent. Since I did n't trust the first representative ( he gave me misleading information about my account ), I spoke to another representative a few hours later. She noted that the first representative I spoke with never cancelled the check or put a new request in. She claimed that she had fixed everything and the check would be sent within 15 business days. It 's been three weeks now, and I received a check only for {$2.00} ( the amount I had in cash back rewards ). I spoke to another representative who claimed that the check for the {$200.00} was not sent because the there was some confusion by the person who cuts the checks. She said she would try to get it resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint to dispute the fraudulent items on my credit file. I demand immediate removal of these items from my credit report. Under the Fair Credit Reporting Act ( FCRA ) Section 605b, it is the responsibility of the credit bureaus to ensure the accuracy of the information they report. These fraudulent items are clearly inaccurate and are negatively impacting my creditworthiness. I have already reported this fraudulent activity to the authorities and have provided all necessary documentation to prove that these items are fraudulent. I have also requested that the creditors responsible for these fraudulent accounts investigate the matter and remove them from my credit file. I am in need of your help to remove the following items as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX A XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$13000.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$450.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$510.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$1000.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$900.00} XXXXXXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$490.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$180.00} XXXX XXXX XXXX  Opened XXXX. XXXX, XXXX Balance {$1700.00} XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$7600.00} XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$600.00} XXXX XXXX Bankruptcy : Bankruptcy Reference Number XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  BANK XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX BANK XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX. Despite these efforts, these fraudulent items still appear on my credit report, causing me significant harm and financial hardship. This is unacceptable and a clear violation of my rights under the FCRA.
Product: Credit reporting or other personal consumer reports

Equifax and XXXX both failed me. After noticing incorrect information on my reports, I attempted to resolve. They've consistently done nothing. This includes no investigation, taking over 30 days for failed resolution, fraudulent inquiries, missing accounts, terrible customer service, and lack of contact. After being a victim of fraud, with a police report and FTC document, I filed disputes for inquiries I hadn't done. They both failed to remove fraudulent inquiries, research my issues, or care. Now I'm losing more money and time because, I just payed a {$10000.00} retainer to sue both bureaus for defamation, breach of contract, and intentional emotional distress. This is tiring. They sent irrelevant follow-ups that didn't address any of my concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is copy written and in violation of my consumer rights. Under 15 U.S.C. 1681 Section 604 A Section 2. This is in violation because I did not give written permission. Enclosed was my copyright sent to the bureas and I have a national UCC-1 attached to my name as private. 
Delete the following negative accounts -- Eastern Account System, XXXX XXXX XXXX, XXXX Destiny, XXXX XXXX XXXX, The XXXX XXXX XXXX, and XXXX XXXX. Certified mail was sent out on XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavor 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, block 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX, XXXX, XXXX XXXX XXXX XXXX
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 XXXX has violated my rights. 


15 U.S.C. 1681 section 602 A. Status I have the right to privacy 15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report counting 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.Cs-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: Credit reporting or other personal consumer reports

CFPB Complaint for Difficulty Unfreezing Credit Reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX - XXXX - XXXX XXXX I am filing a complaint against XXXX, Equifax, and XXXX for refusing to unfreeze my credit report. 
I attempted to unfreeze my credit report on [ XX/XX/2024 ] at [ XXXX, EQUIFAX, XXXX ] by calling their phone numbers. 
I repeated this proces on [ XX/XX/2024 ] at [ XXXX, EQUIFAX, XXXX ] with similar results. 
I believe I have the right to unfreez my credit report according to the Fair Credit Reporting Act ( FCRA ). 
I request that the CFPB investigat this issue and ensure that all three bureaus ( XXXX, Equifax, and XXXX ) unfreeze my credit report immediatly. 
I want my Credit report unfrozen, Ive aslo wort them all letters as well. 

Signature XXXX XXXX XXXX