23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

GREETINGS FROM, XXXX XXXX XXXX YOURS : XXXXNEITHER EQUIFAX , XXXX, XXXX. 
# 1 EQUIFAX IN XX/XX/XXXX WANTED A COPY OF DL, XXXX EMPLOYER AND A POF PAPER REGARDING CASE # XXXX {$24000.00} PLAINTIFF XXXX XXXX XXXX. ON XX/XX/XXXX THIS WAS MADE AT THE XXXX COUNTY XXXX, XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX. AND REGARDING ALL XXXX CREDIT REPORT COMPANIES, THEIR WAS A TIME WHEN XXXX XXXX CREDIT CARDS IN XXXX, XXXX, HELPED THEMSELVES TO REQUEST EQUIFAX XX/XX/XXXX, AND THANKS TO YOUR HELP, THE FTC SENT A LETTER TO THEIR OFFICE IN XXXX, XXXX AND THE CREDIT REPORT COMPANIES HAVE NOT REMOVED IT FROM MY CREDIT REPORTS, EQUIFAX , XXXX AND XXXX, THIS WAS A MATTER DUE TO SSID THEFT. NEITHER OF THE XXXX CREDIT REPORTS REMOVE WHAT THEY WERE TO REMOVE FROM MY CREDIT REPORTS. 
RESPECTFULLY, XXXX XXXX XXXX OFFICIAL SS NAMEHAPPY XXXX TO YOU!
Product: Credit reporting

I filed a law enforcement report as directed by both the CFPB and FTC, regarding several credit card accounts that were opened in my name. I sent a copy of the original police report, FTC ID theft report, Officers name and badge number and a sworn statement attesting that I did not authorize anyone to open the accounts and I would prosecute. The accounts currently being reported are XXXX XXXX XXXX, XXXX Bank XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. Additionally they reported a plethora of inqs. that do NOT belong to me and where listed in the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act ; XXXX XXXX, has violated my rights with an unauthorized inquiry on XX/XX/20. 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a couple of accounts that do not belong to me on my credit reports. Please remove them.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED Please remove these fraudulent accounts from my credit report, as I did not open them and was unaware of their existence. According to USC 1681g, I request their deletion within XXXX days. Enclosed are supporting documents.
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 Names : XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, VA XXXX XXXX XXXX ) XXXX XXXX ) XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XXXX, VA XXXX XXXX XXXX ) XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX OH XXXX ( XXXX ) XXXX XXXX ) AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX XXXX XXXX XXXX ) ALLY XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX ) XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX ) XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX ) XXXX ( Accounts 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.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second attempt to resolve this issue. Transunion XXXX and XXXX are reporting inaccurate information on my credit report. And continue to violate 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION. This erroneous information is ruining my credibility, and I would like it removed entirely from my credit report. List of inaccurate information : the reporting of XXXX XXXX and XXXXXXXX XXXX XXXXXXXX is inaccurate and must be deleted as INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes the reporting of these accounts Inaccurate. Once again, 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( A ) Reporting Information with actual knowledge of errors 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 data is inaccurate. Duty : a moral or legal obligation ; a responsibility. Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something As Defined by The IRS. Even if you didn't receive a Form 1099-C, you must report the canceled debt as gross Income on your tax return. The IRS Clearly defines a charge-off as Gross or Ordinary Income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account Inaccurate. Both XXXX XXXX and XXXXXXXX XXXX XXXXXXXX are inaccurate and must be removed.
Product: Credit reporting or other personal consumer reports

When reviewing my credit report this morning, I was surprised to find incorrect accounts listed, and I have no idea how they appeared. I check my credit report regularly, but this time, I noticed discrepancies that hadnt been there before. I even refreshed my browser, thinking it might be a technical issue, but the inaccuracies remained. Because of this, I kindly request a careful review of the documents I submitted so that I no longer have to worry about this problem.
Product: Payday loan, title loan, or personal loan

Online money fraud scam i don't need a loan nor do want this
Product: Debt collection

IN RESPONSE TO CFPB XXXX THE REFERENCED ITEM STILL REMAINS ON MY CREDIT FILE. PLEASE HAVE IT REMOVED TODAYS XXXX XXXX L XXXX DOB XX/XX/1976 XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT MEDICAL DATA SYSTEMS INC Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious MEDICAL DATA SYSTEMS INC I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX L XXXX DOB XX/XX/1976 SOCIAL XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Product: Credit reporting

I have disputed an account on my credit report several times. The account does not belong to me. I have contacted the creditor and the credit reporting agency. Neither has resolved the issue.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit card or prepaid card

I opened a care credit account with deferred interest. Over XXXX  years I have made every payment on time never received warnings about end of promotion period and have been charged close to XXXX dollars in interest on about XXXX in charges. I have called several times to dispute the interest and to offer a payoff to no avail. There lending practices are predatory I would never have opened an account had I known the insane amount of interest charged.
Product: Checking or savings account

I received a letter on XX/XX/XXXX from UMB Bank ( which was a surprise since I have online banking & e-statements ), which stated that my savings account was changing to dormant status because I hadn't done any transactions in 18 months. ( Bad that I didn't transfer to it, but good that I didn't use it! ) Anyway, the next day I logged into my account to transfer from my checking, and I see that they charged my savings account a maintenance fee of {$25.00} each month for the last 3 months! The furthest my statement history goes back is XX/XX/XXXX, and sure enough, UMB has been stealing {$25.00} a month from my savings account! 

Of course I immediately called the bank, and the lady in the Customer Service Department was nice, but she couldn't help me over the phone. She ended up getting my original location on the phone, which I neither work nor live near, and the lady said she could only refund the most recent 3 months, {$75.00} worth of charges. She was able to research it a bit though, and found out that UMB got rid of the savings account I signed up for originally, initially grandfathered my account, then ended up getting rid of the grandfathered accounts and put me in an account that had to have $ XXXX in it, or they charge {$25.00} a month. I asked her for a copy of this letter since I had never received it, and I can't look at my history before XX/XX/XXXX, but I haven't heard back from her yet, so I still don't know how long they have been financially raping me. 

I was in XXXX  for 16 years, and I am well aware of the greed of banks and their inflexibility when it comes to waiving overdraft fees. That stinks, but I get it at the same time. However, in this situation, I did nothing wrong, other than not logging in and looking at my savings statements. I'm sorry, but I TRUSTED UMB Bank with my money, and they decided to change my account guidelines and charge me a substantial monthly fee, then refused to give me my money back, and for that, I am repulsed. 

The lady at the XXXX XXXX location, I believe her name was XXXX or something like that, was only able to refund {$75.00} of the hundreds of dollars UMB stole from me ( I don't even know how much since I can't access my history ). 

Anyway, I would appreciate any help you can provide!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Transunion and XXXX was sent a ftc report on XX/XX/21!! All 3 bureaus have ignored my ftc report requesting fraudulent information be blocked from my report. Ive a victim of identity theft! All fraudulent accounts was listed on my ftc report. I also sent proof of address and identity. The following accounts are 1.XXXX XXXX XXXX  2.XXXX  XXXX 3.XXXX XXXX 3.XXXX  XXXX  XXXX 4.XXXX. 
Its also a number of fraudulent inquiries listed on my ftc report also. 
per fcra 605b all fraudulent items must be blocked within 4 days.
Product: Credit reporting or other personal consumer reports

Description of the Issue : I am submitting this complaint regarding outdated and incorrect personal information that remains on my credit reports with Experian, XXXX, and XXXX despite my formal disputes. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, credit reporting agencies are required to maintain accurate and up-to-date personal information, yet my reports still contain incorrect addresses, phone numbers, and employer details. 

In each case, I formally requested that only the following current personal information be kept on file : Name : XXXX XXXX Current Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone Number : XXXX I submitted the following letters to correct these errors : Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Letter dated XX/XX/XXXX ) XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ( Letter dated XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Letter dated XX/XX/XXXX ) These letters requested the removal of all previous addresses, outdated employer information, and old phone numbers, except for the current information listed above. However, the errors remain unresolved. Maintaining inaccurate personal information violates my rights under 15 U.S.C. 1681i, which gives consumers the right to dispute incorrect information and ensures prompt corrections.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Debt collection

XXXX XXXX contacted my spouse about a credit card debt in my name only. He is in no way affiliated with this debt by name, address, social security number, phone number nor is he listed as an authorized user on the account. They shared information about this debt including amount owed, days delinquent, and asked him to pay the debt. This happened on Friday XX/XX/2018 at around XXXX XXXX. He was contacted by phone number XXXX ext XXXX.
Product: Debt collection

Fraudulent collection account reporting on my personal credit report is damaging my name and credit. 
{$960.00} amount XXXX account number date opened XX/XX/2022
Product: Credit reporting or other personal consumer reports

I have XXXX hard inquiries on my credit report that I did not authorize. 
-Premium credit bureau ( XX/XX/XXXX ) -XXXX XXXX XXXX ( XXXX XXXX, XXXX ) -XXXX XXXX  ( XXXX XXXX, XXXX ) These companies ran my credit without my authorization.
Product: Credit card or prepaid card

On XX/XX/XXXX or XXXX, 2020, I contacted XXXX XXXX regarding my XXXX XXXX account. I inquired about the continuation on the COVID-19 program. 
The agent informed me that I was eligible just as I was in XX/XX/2020, I was told that making a payment was optional. I was further advised that the next payment is due in XX/XX/2020. 
Although a payment was optional I made a payment anyway of XXXX. I made the payment on XX/XX/2020 via internet. On the same day, I contacted XXXX XXXX regarding XXXX XXXX account was behind 29 days. I was sure that my account was enrolled. I encountered the same issue with XXXX XXXX with enrollment on the COVID-19 last month. 

On XX/XX/2020, I received multiple alerts about a negative reporting on my credit file. XXXX XXXX reported my XXXX XXXX accounted 30 days late while supposedly enrolled on this program. I strongly believe this is an oversight by agent and XXXX  XXXX  may be experiencing some technicalities with this COVID-19 suppression/deferment program as the same issue I reported regarding my XXXX XXXX account. 

Due to the reasons above, I am asking that the 30 day delinquency for XXXX to be removed from XXXX XXXX account & from all three credit reporting agencies TransUnion, XXXX, and XXXX.
Product: Debt collection

XXXX ER visit to XXXX XXXX ER XXXX. Insurance filed incorrectly, so processed out of network. XXXX XXXX XXXX  ER failed to send the additional medical records requested by my insurance company. XXXX XXXX turned over to AMCOL collection agency and XXXX XXXX XXXX filed bankruptcy. I never received notice of debit. I discovered it on my credit report when I applied for a home loan. The collection agency is offering to settle for XXXX, but no less. I have asked them to provide me this in writing, which I still believe is unfair and had XXXX XXXX ER submitted the necessary paperwork to my insurance this bill would have been paid. There have been law suits filed against XXXX XXXX ER by others regarding the above unfair practices and failure to inform patients. I have also filed a dispute with the 3 credit bureaus.
Product: Student loan

Hello, I am still waiting to hear back about my XXXX application from XXXX. I am past my payment due date but I can not pay it. I FINALLY got a call from someone on the phone and she had me complete another application over the phone. Im not sure if that is a real process. I got no confirmation. Because I am waiting to hear back about my application my payments should be temporarily paused, but they have been. I received a delinquency notice today about it. I havent heard anything and it has been months. Please help! I dont want my credit affected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously froze my credit report with Equifax on their website ( myequifax.com ). I needed to unfreeze my credit report today. Their website said there was a problem and directed me to call. I called and spoke with a representative. She unfroze my credit but said that I needed to send in a letter and I would get a response in 7-10 business days after they receive my letter. They said they were not " fully able '' to verify my identity, which made me nervous that there was a problem in my credit report. The rep was unwilling to tell me if there was any problems. She kept citing " their policy ''. I finally told her I didn't give a XXXX about their policy, but my policy is if there is a problem on my credit report I need to know. I didn't ask for Equifax to keep a report on me, yet they do. The rep was very unhelpful. On my credit report, for example, I have a mortgage with a company called " XXXX XXXX ''. She asked me a question while trying to verify me regarding who my mortgage company was. I said " XXXX XXXX ''. She then asked me " What does XXXX stand for? ". I don't know. Their website refers to them as XXXX XXXX, as does everything I receive from them. I finally asked for a supervisor. After being on hold for 15-minutes I was disconnected.
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. 


FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : 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 UNAUTHORIZED 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 XXXX XXXXXX/XX/XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2018, Equifax has a fraud alert displaying on my fico report. Today is XX/XX/2018 and my credit scores have not changed a single point. I keep track of my credit scores on a daily basis using XXXX. Is there an issue or an alert fraud freeze on my file? If there is, I did not requested this not called it in.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX I paid off an account that was in collection over a month ago. Ra Rogers ( XXXX XXXX ). This account is not coming off of my credit report. It is still showing a balance of {$470.00}. I disputed this transaction with an attachment from ra Roger showing this has been paid. The dispute was denied stating the information reported is correct. I would like this to be fixed
Product: Mortgage

The company has sent us an increase in our escrow for no apparent reason. Our home owners insurance went down this past year and our property tax only increase by a {$100.00} or so and they say we are over {$800.00} short for the year.