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

Hi I am submitting this XXXXXXXX XXXX XXXXXXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit card

I took out a credit card with Action Card a few years ago. Unfortunately, due to unemployment I fell on hard times and am unable to pay the bill of {$1000.00} until I 'm gainfully employed. I have been receiving several harassing calls from a  XXXX   XXXX   XXXX . This credit card is in my name only and this  XXXX   XXXX  somehow got a hold of my wife 's cell phone and now she is harassing my wife. My wife did not co-sign on this account nor was she ever a user. I 've asked   XXXX   XXXX   to stop calling my wife and she stated that she is a lawyer and that she can call anyone in my household. I also told   XXXX   XXXX   that I am unemployed and that as soon as I am employed again that I will make payment arrangements.  XXXX   XXXX  stated that unless I am living on  the street that she will do everything and anything to collect from me. I feel that she is being overly aggressive. I understand that bankruptcy might be an option but that will hinder our employability so we are trying to handle this as best as we can. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to discover for debt validation and upon checking the statement received and charges. It shows there was an outstanding balance as of XX/XX/2020 for {$1800.00} but after checking on credit reports, it shows discover reporting I owe {$1900.00} which was not provided on the statement/validation received from them. 

Under 15 U.S. Code 1681i 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 ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Statement was for XXXX XXXX XXXX and after the account was closed, it shows on XX/XX/2020. It shows I had an outstanding balance of {$1900.00} but the validation was wrong as it states I owe {$1800.00}. Investigate this and do necessary deletions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its been more than 30 days since the credit bureaus tried to resolve my problem with the account XXXX  ; XXXX Not only that but upon checking more detailed this account. I see that date of last activity is different. If its the same account everything should be 100 % ACCURATE. Furthermore, XXXX never marked the account as being under dispute I have circled the errors in my consumer report. Equifax also has this account as open when its been years that is closed. Please delete this account under the fair credit reporting act. This is a violation and its costing me time and money.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : XXXX XXXX XXXX Balance : {$5300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a letter from Transunion stating that XXXX was fraudulently opened on XX/XX/XXXX in my name despite having " fraud alerts '' placed with the credit reporting agencies back during COVID-19 XXXX when fraudulent accounts were opened then. 

I have freeze alerts and fraud alerts in place so I am not sure how this account was able to be inquired and opened. 

I contacted XXXX on Sunday XX/XX/XXXX and spoke with a representative that informed me he was aware the fraud occured and that they contacted the credit reporting agencies to remove the " hard inquiry '' and " tradeline '' however they are still reporting within my credit files. 

I do not live, or ever have lived at XXXX XXXX XXXX XXXX XXXX NJ XXXX and I believe this is the address used to complete the fraudulent application.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Formal Dispute Regarding Inaccurate Information On My Credit Report Dear Experian : I am writing t formally dispute inaccurate information on my credit report that i believe is harming my financial well-being. I am aware of my rights under Fair Credit Reporting Act and request a thorough investigation into this inaccuracies, as required by federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigations results effectively. 
These allegations highlight systemic issues that directly undermine consumer protection and perpetuate the inclusion of inaccurate information on credit reports. i am deeply concern that my dispute will be handled in a similar manner.
Product: Debt collection

i was sent a letter from fair collecting outsorcing in an amount was outrageous I asked for an accounting of the amount owned to see how it could be that much. I was told to be patient to wait a few weeks that they would get it for me. I then contacted my lawyer who sent a letter to the credit reporting agancy to dispute the debt. The last inquire I sent to XXXX was that they did not have the accounting history available it has been over XXXX days since the inquiry with XXXX and XXXX by law XXXX days it is to be taken off my credit report.
Product: Debt collection

I initiated a dispute with the credit bureaus in regards to some identity theft. Someone used my information to obtain medical and an apartment. I sent this collection agency my ID Theft affidavit, and ID 's and they wo n't respond. 

I 'm attaching all of the documents sent and the tracking to prove they received it. Please help. This is affecting my family and my health. 

Thank you, XXXX XXXX
Product: Checking or savings account

I called Discover debit card services to dispute a transaction for XXXX for a merchant who never delivered the goods I ordered. I expressed that the merchant had not really to any of my emails asking for an update as well as a request for a refund. I was told by the Discover representative she could not help me because it was against Federal Law to allow a dispute for non-receipt of merchandise. I told her that did not seem right and asked if this was a Discover policy or a Federal Law. She stated it was a Federal lax that was applicable to all networks, as I told her I had worked with Visa and the past and this was never an issue she states this has always been the case and that I needed to continue trying to work directly with the merchant as I had no recourse with Discover.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and I am submitting this complaint against Equifax let it be clear that there is no Third Party involved.EQUIFAX doing business as Equifax Information Services LLC Located in XXXX GA has numerous inaccuracies on my consumer report and has failed to properly investigate my complaints for the past 7 Months. In the exhibit most recent attempt to address on how Equifax verified the accounts on XXXX XXXX ( EXHBIT PROVIDED ). Delivered on XX/XX/2022, and after 24 days On XX/XX/2022 you will find the response from Equifax pertaining to confirmation number listed on the Equifax claimed to have verified accounts and refused to remove the accounts that I stated were inaccurate ( EXHIBIT PROVIDED ). It is clear EQUIFAX has been negligent in this matter and failed to conduct a proper investigation on the accounts. I Have conducted my own investigation reviewed my consumer report and in the attached exhibits I was very upset to have found NUMEROUS additional inaccuracies on my consumer report that have been hurting my ability to obtain credit or services fo my use. In the attached you will find my current consumer report with the inaccuracies I have found. There are numerous accounts with the following inaccuracies which contain inaccurate account numbers, inaccurate balances, inaacurate account opening dates, inaccurate last payment dates, inaccurate credit limits, inaccurate past due amounts, inaccurate payment dates, along with accounts that have several other inaccuracies per account ( EXHIBIT PROVIDED ). I THE CONSUMER PURSUANT 15 USC 1681 ( b ) ( 2 ) GIVE EQUIFAX MY WRITTEN INSTRUCTIONS I DEMAND EQUIFAX TO REMOVE ALL OF THE FOLLOW DISPUTED INACCURATE ACCOUNTS IN THE EXHIBIT PROVIDED ALL OF THE DISPUTED INACCURATE ACCOUNTS WITHIN 3 DAYS! THIS HAS GONE ON WAY TOO LONG ENOUGH! EQUIFAX IS NOW LIABLE FOR DAMAGES FOR THE ROLE YOU HAVE ASSUMED. EQUIFAX IS NOW LIABLE FOR DAMAGES OF {$1000.00} PER VIOLATION PURSUANT 15 USC 1681N- " ANY ACTUAL DAMAGES SUSTAINED BY THE CONSUMER AS A RESULT OF THE FAILURE OR DAMAGES NOT LESS THAN {$100.00} AND NOT MORE THAN {$1000.00}. THESE INACCURACIES AND INACCURATE ACCOUNTS HAVE CAUSED ME MANY PROBLEMS AND ADVERSE ACTIONS BY CREDITORS DUE TO THE INACCURACIES ON MY CONSUMER REPORT. I HAVE SUFFERED SUBSTANTIAL DAMAGES FROM NOT BEING ABLE TO OBTAIN EMPLOYMENT I HAVE NOT BEEN ABLE TO OBTAIN NECESSARY HOUSEHOLD GOODS, I HAVE BEEN UNABLE TO OBTAIN HOUSING, I HAVE BEEN UNABLE TO OBTAIN A VEHICLE FOR TRANSPORTATION FOR MY PERSONAL AND HOUSEHOLD USE DUE TO YOUR NON COMPLIANCE.I EXPECT YOU TO RESOLVE THIS MATTER EXPEDITIOUSLY.
Product: Checking or savings account

This has been an ongoing thing since XX/XX/XXXX when I split up with my now ex-husband XXXX XXXX XXXX he stoled my safe with my social security card ID passport and IDs passports and social security card and birth certificates of my children as well as myself then. In XX/XX/XXXX my purse was stolen that was my second identity theft but those people were caught and prosecuted then my Third identity theft XXXX XXXX found me again in XXXX Pennsylvania back in XX/XX/XXXX broke into my apartment and wrecked it to steal my identity again and now this is the fourth police report from Identity Theft just this XX/XX/XXXX so someone oviously has it out to destroy me. I need my number changed but social security refuses to do so.
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. 

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 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 an 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.
Product: Credit reporting or other personal consumer reports

I am resubmitting a complaint today to inform you once more that I have fallen victim to identity theft. I revisited the FEDERAL TRADE COMMISSION website at https : //www.ftc.gov and filed an identity theft report. Per FCRA Section 605b, Credit Reporting Agencies are obligated to remove any items listed on an identity theft report. Please find the ATTACHED documents to facilitate the removal of erroneous information posted to my report. Here is the list of items that do not belong to me or were opened without my permission : 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  TRANSUNION : 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. According to FCRA Section 605B ( a ), Credit Reporting Agencies shall remove any items in the file of a consumer that the consumer identifies as information resulting from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting

I have consistently disputed my account status with XXXX AND XXXX AND TRANSUNION, but my issue still have n't been revolved. It is showing that I have missed XXXX payments and that is incorrect as well as my balance is incorrect. I just talked to XXXX on XX/XX/2017 at XXXX central time, and he even stated that was not accurate, but there was nothing he can do. I do n't think that is fair to me because, it is affecting my credit score.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL 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. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and noticed there was some information on my report that is inaccurate. I am in the process of buying a home and the information that is being shown is holding up the process. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, the item I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address, and telephone number updated and remove any other names, addresses, and telephone numbers that does not belong to me. The following account in dispute is listed below XXXX XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXXXXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX CT, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have a copy of my Drivers Licenses and Social Security Card for verification purposes. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ). I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 
Please Delete Telephone numbers that do not belong to me : 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 card

After filing complaint # XXXX, XXXX XXXX, and Capital One, # XXXX, on XX/XX/2023, I received numerous calls from persons claiming to represent Capital One. Capital One 's representatives are as follows : XXXX, or XXXX, per my voice mail she uses both, add " CC, '' and XXXX XXXX 

Beginning XXXX, these persons, at XXXX, are claiming to be " executives '' when they call -Capital One Executives. They harassed me on the phone. 

I return their calls, and they play ignorant about why they are calling, and instead want me to furnish information about 'their ' call. 

The calls are harassing, made early in the morning. This appears to be Capital One 's response to my complaint against XXXX, and them.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUDULENT ACCOUNTS HAVE BEEN OPENED IN MY NAME WITHOUT MY PERMISSION OR KNOWLEDGE. MY INFORMATION MAY HAVE BEEN INVOLVED IN A BREACH BECAUSE I HAVE NOT APPLIED FOR A NY CREDIT OR OPENED ANY NEW ACCOUNTS
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 I checked to see if my information had been compromised through equifax 's security breach. It was indicated my information may have been stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. I have a second mortgage on my home that was serviced by Ditech. It was transferred to XXXX XXXX XXXX sometime in XXXX 2017. On two of three credit bureaus it is reported as paid. On Experian, Ditech is claiming that we are 30 days past due. I have called Ditech and they claim to have fixed the issue. I applied for a new mortgage and Ditech is still claiming we are 30 days past due on a mortgage they no longer service. This is causing considerable financial distress to my family. We need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

this was the companies stall tactic this what they sent me, so I attached my drivers license, Bank Statement and a copy of my social security card I'm submitting it thru here to make sure they get it they keep telling me they have not got it thru the mail sent XX/XX/2022 I want them to update there file so I can get all this fraudulent accounts blocked and deleted which is a violation of the Fair Credit Reporting Act, 15 USC sections 1681i, which the Credit Bureaus are obligated to finish their investigation within 30 days. 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 ), I need the following accounts corrected now My identity was stolen me and my family of XXXX will be facing XXXX due to identity theft please remove these fraudulent account i am the head of household my family depends on me and i really need this matter taken seriously i reached out to the debtors directly and not given any response to this matter IDENTITY THEFT REPORT ATTACHED I HAVE 3 IDENTITY THEFT REPORTS ATTACHED SO MUCH STUFF COULDNT FIT ON ONE REPORT. Companies listed below are reporting accounts obtained thru identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX  XXXX ) XXXX XXXX XXXX My Name should only be listed as XXXX XXXX all other names should be deleted my correct address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX ga XXXX all others should be deleted to prevent further fraud and any mail sent there with any dispute information my only phone number is XXXX all others should be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is my follow-up prior to my last complaint dated XX/XX/23 to ensure that these items are deleted : XXXX XXXX XXXX XXXX XXXX CA 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 Balance : {$880.00} XXXX XXXX XXXX Balance {$6100.00} XXXX XXXX XXXX Balance {$1600.00}
Product: Debt collection

Received fro  m ERC a settlement opportunity on   XXXX   XXXX  , 2017 for an original balance due of {$640.00} : 1. I am without sufficient knowledge of a balance due and therefore entire existence of a balance due to ERC is being disputed by me.
2. Demands for a genuine original promissory note with my wet ink signature have gone unanswered. I have stated a bill of sale is not evidence to the fact.
3. Further, ERC has never produced original signed chain of assignment ( if applicable ) and/or any credible evidence and/or circumstances that resulted in such an original balance due made on me at this time.
4. This information erroneously appears on all (   XXXX   ) credit reporting agencies and I have asked   XXXX   to dispute such claims with no response from ERC.
5. As such, all such information should be deleted from all (   XXXX   ) credit reporting agencies.
  XXXX   XXXX