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

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

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

XXXX  XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXXXXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date opened XXXX XX/XX/XXXX Balance : {$12000.00}, XXXX XXXX XXXX Date opened : XX/XX/XXXX XXXX : {$1900.00}, and XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}. 

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

This is my numerous request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/202XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX XXXX XXXX {$6800.00} XXXX XXXX Balance : {$3400.00}
Product: Credit card or prepaid card

On XX/XX/XXXX Citibank XXXX CITI simplicity card charge my card With something I didnt. I call them to fix this problem before this charge are paying to different companies because they were pending they didnt do nothing, they paid all. And know after a change for another new card they still charge on the new card on XX/XX/XXXX for XXXX this charge was made for t mobile, because they said that is recurring payment that payment is pending know I can not make a dispute because they said that that amount have to be paid first to start a dispute. The charges are : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX for {$96.00} XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX. XXXX XX/XX/XXXX XXXX XXXX XXXX. XXXX ( pending ). 
Please can you help me to solve this problem. Thanks
Product: Debt collection

Wilber Group was contracted on behalf of an auto insurance company to collect money from me related to a superficial bumper scratch sustained to another vehicle in an accident I was involved in. They used threatening, abusive language to strong arm me into paying a vastly inflated sum that was several times more than the actual damages incurred. 

In particular they engage in a number of predatory and dishonest tactics attempting to force me into paying them additional money that is completely irrelevant to and outside of the original debt I was levied for the damages. When I indicated my interest in resolving the matter they reassured me that they would provide the necessary documentation stating I have settled my financial obligation to them and releasing me from liability immediately upon receipt of full payment. However once I completed payment and settled the debt in full ( receipt attached ) they deliberately stalled delivery of the Release of Liability form, trying to force me into paying an additional {$52.00} just for them to send the form in a timely manner. Then after they finally sent the form it was intentionally completed improperly, they did not even sign the form in spite of the obviously marked fields requiring signatures. In the letter accompanying the form they conveniently state that " Reprints are available for a {$100.00} fee '' - so they deliberately screwed up the form to coerce me into paying an additional {$100.00} to correct THEIR OWN mistake. 

The form is a standard form required by the state of Wisconsin that Wilber has to complete for each Wisconsin driver they have a file on, there is no conceivable way that Wilber would not know that the form, which has fields on it requiring signatures, does not need to be signed. Contacting them and requesting that they correct the document by completing the signatures and returning it to me is utterly futile as they keep stonewalling me and telling me they would call me back and ultimately doing nothing. I have fully paid off the sum they demanded of me and can't even get them to fulfill their own respective extremely basic responsibility of sending a proper release form. This company practices are beyond unfair, unethical and incompetent. It's clear they are getting away with these abuses because nobody is monitoring them and holding them accountable so they exploit people and XXXX them over.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has had my account frozen and ... '' In Dispute " ..for over 2 months. I can not even get a response. I am on hold till they obey the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoke to Experian and XXXX on XX/XX/XXXX to dispute and place security freeze. I have two inquiries on my Experian credit report for places and services I never used. 

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

I submitted a letter to the XXXX Credit Bureaus on XX/XX/2022, to correct this suspicious information. I think you have not validated these items in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please correct or delete the following items immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

15 U.S. Code 1681 Section 602 A : States I have the right to privacy 15 U.S. Code 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

15 U.S. Code 1692c : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and dissatisfaction with the handling of fraudulent items on my credit report, despite numerous attempts to follow up and have them removed. This marks the XXXX time I am formally requesting the removal of these fraudulent items due to their fraudulent nature. 

This continued failure to address the issue is unacceptable and has caused immense stress and hardship. It is imperative that these fraudulent items are promptly removed to prevent further damage to my creditworthiness and to safeguard against potential identity theft or financial fraud. 

Furthermore, I request transparent communication throughout the resolution process and regular updates on the progress of the investigation into these fraudulent items. It is essential to restore confidence in the accuracy and reliability of information reported on credit reports. 

I expect a prompt and satisfactory resolution to this matter and request confirmation of the removal of these fraudulent items once the necessary actions have been taken. XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX Balance Owed : {$2000.00} XXXX  XXXX Balance Owed : {$590.00} XXXX XXXX XXXX Balance Owed : {$81.00} XXXX  XXXX Balance : {$330.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX  XXXX Balance Owed : {$2000.00} XXXX XXXX Balance Owed : {$590.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX Balance : {$330.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Product: Mortgage

Went online searching for a cheaper rate to refinance my mortgage. 

Using XXXX XXXX XXXX/ I found a XXXX XXXX mortgage rate XXXX I have a screenshot of the quote ) for my current loan at XXXX with an additional {$110000.00} Cash out option at an APR of 2.5 % and Lender Fees of XXXX. Contacted XXXX XXXX  got in touch with a XXXX XXXX. She couldn't get me into the loan details as quoted but noted that she would try. 

Followed up with her and she noted that although the rate was valid I wasn't eligible because my credit score was too high ( mine was XXXX, and they believe that rate was only eligible for XXXX ). I've never heard of such a thing my credit score is too high so I have to get a worse interest rate. I think they should have honored the deal as was quoted on XXXX, but they have elected not to. 

Hence why I am contacting you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I file for the Equifax Data Breach Settlement on XX/XX/2023. Several weeks I received two emails that I needed to provide certain information to receive a reissue of my check. I have been calling up until the present. It is now XX/XX/2023. The agents are evasive and refuse to pass me to a supervisor the two time the a proposed supervisor called intentionally when I could not get calls. I strongly, feel they have to call go straight to my voicemail. There are so many red flags. I need to one. Establish that this is legitimate and not a scams. I put my information out there. I there this whole thing is suspect.
Product: Credit card or prepaid card

Discover Bank defaulted during my administrative process. A cease and desist was sent to them on XX/XX/2022 demanding they send an audit trail including the ledger, all accounting documents, transaction history, and account file. I also demand they remove the account they furnished on my consumer report I never gave written instructions to furnish Pursuant to 15 USC 1681b ( 2 ). Keep in mind non-compliance with my XXXX XXXX XXXX will be documented and used as exhibits for knowingly and willfully violating federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have student loans which have been in default but for the past 3 to 4 years the monies have been coming directly out of my paycheck. And when the CARES Act was initiated, the company I work for suspended payment to the company named Coast Professionals. I am trying to move into an apartment and I was denied then I looked at my credit score and it had tanked tremendously. I did file a dispute with  XXXX   but I was not sure if I should do the same with the other credit bureaus. I was told by Coast that it would look like non-payments because there were no payments made. So I asked what about the CARES Act and was told that it did not apply to defaulted loans. But when looking at your site I read the following. ( From your site ) If your federal student loan is already in default, The CARES Act requires the Department of Education to stop the collection of defaulted federal student loans, including garnishment of wages and the offset of tax refunds and Social Security benefits, through XX/XX/2020. * There is no additional action required from you for your federally- owned loans. For all other defaulted federal loans, contact your loan holder to find out about your options. 

If you are rehabilitating a defaulted student loan, any missed payments through XX/XX/2020, * due to the coronavirus pandemic will not be considered a missed payment against your rehabilitation. 

Can you help me in this matter. I just want my credit score to be reflected that the payments are being paid or stopped due to COVID 19. 

Thank you for your assistance in this matter.
Product: Credit reporting or other personal consumer reports

Back in middle XXXX I was car shopping, and it seems on my way to XXXX XXXX XXXX XXXX I forgot to unlock my Experian credit report. Now i am just learning this my navigating through the Experian Web Site like I like to do regularly. On the attached document named Experian Credit Report you can see it is showing as credit report lock right beneath XXXX is reported as getting a copy of Experian Credit Report. On attached document Experian Credit Report 2 it shows the following companies receiving Experian Credit Report that day. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Even though I did not realize my Experian Credit Report was locked I believe Experian is in violations
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. I am disputing the Account XXXX XXXX XXXX XXXX : {$34000.00}. I believe this account is reporting inaccurately. I do not believe I was late on the dates this account presents. I keep records of my payments and I always make my payments on time, I was never late. Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. I request an investigation and please update this account for lawful accuracy.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 everything mentioned in the resolution section of this complaint. These accounts have resulted in several fraud
ulent hard Inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 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 in previous complaints 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.

What would be a fair resolution to this issue ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you block/REMOVE all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving this complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address associated with this complaint.

Since it was stated the account was " verified, '' in previous complaints.I will like to know the Method of Verification ' and exercise my rights under FCRA 611 ( 15 U.S.C. 16811 ) which forces you to reinvestigate the items in the initial CFPB complaint and either verify the SOURCE of information used in order to retumn a " verified '' response to the initial CFPB complaint or delete all contested items in the initial CFPB complaint/FTC report .
Product: Debt collection

Its incredibly frustrating and overwhelming to discover a debt on my credit report that I know nothing aboutunverified and clearly not mine. To make matters worse, Ive been bombarded with harassing calls and messages, often accompanied by threats of legal action. This has been an unbearable invasion of my peace and rights as a law-abiding citizen. The emotional toll has been significant, affecting my mental health and causing sleepless nights. Its insulting and disheartening to have my consumer rights so blatantly disregarded.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach and request that all accounts listed below be blocked and deleted from my credit report, pursuant to 15 U.S.C.

1681c-2 ( a ) and FCRA 605 ( b ). As a result of this breach, these accounts are no longer valid, and I am requesting immediate action to mitigate the damage caused to my credit report. 
The following accounts have been compromised due to the breach, and I request that they be blocked and deleted : Accounts XXXX. XXXX XXXX of A Account Number : XXXX Date Opened : XXXX XXXX Amount : {$60.00} XXXX. XXXX XXXXXXXX XXXX Account Number : XXXX Date Opened : XXXX Amount : {$2300.00} XXXX. XXXX Bank Account Number : XXXX Date Opened : XXXX Amount : {$1400.00} Inquiries XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Date : XXXX XXXX. XXXX XXXXXXXX XXXX XXXX Date : XXXX XXXX. XXXX XXXXXXXX XXXX Date : XXXX XXXX. XXXX XXXX Date : XXXX XXXX. XXXX XXXX XXXX XXXX : XXXX XXXX. XXXX XXXX XXXX Date : XXXX XXXX. FXXXX Date : XXXX XXXX. XXXX XXXX XXXX Date : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX  Date : XXXX XXXX. XXXX XXXX XXXX XXXX : XXXX XXXX. XXXX XXXXXXXX XXXX Date : XXXX XXXXXXXX XXXX XXXX Date : XXXXXXXX XXXX XXXX XXXX Date : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. Date : XXXX
Product: Credit reporting

About three months ago I visited the website annualcreditreport.com to try and obtain my free credit report from experian. By law the credit bureau is supposed to give XXXX free credit report a year but after repeated attempts to try and receive a free credit report the experian bureau failed to do so for me. I was able to successfully obtain my XXXX yearly free report from XXXX and XXXX without any problems. I do n't understand why experian is violating the law. I only have a problem with the experian credit bureau obtaining my free credit report and to contact them it 's impossible on their website or when you call their is no operators you can speak to. I only want my free credit report that I legally have a right to receive. Again I had no problems obtaining my once a year free credit reports from XXXX and XXXX but I do n't know what is experians problem.
Product: Mortgage

In XXXX 2015 we got a pre-foreclosure letter. We had several conversations, as we have always paid at least 2x 's the amount due or more. They said that they were sorry and it was a mistake that we got the letter. On XXXX 2015 statement, they added {$780.00} fee for FORECLOSURE FEE. I have contacted them by e mail and phone and every one I talk to says that a supervisor will call me back. No such luck. No one had responded. I have had to refinance this loan to get away from PennyMac and their " computer errors ''. The pay off notice that was given to the new company has " Foreclosure fee '' listed. This has caused some problems with the new lender. I want this fee reversed and they send me a refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX  XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX  XXXX, XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXXXXXX 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

My mortgage was sold to Newrez. They told me my homeowners insurance was not linked to the account, and that they would be forced to issue me a high cost insurance policy at my own expense. I followed all of their steps to link my account. I continue to get letters from them telling me that they are going to charge me for an insurance policy that I do not want or need. Now they are saying my homeowners policy is about to expire. It expires in XX/XX/2024. This seems like a scam to sell insurance policies without consent to people who dont want or need them. I did not even choose to use this company for my mortgage. This is identical to the complaint number XXXX on the CFPB site. Please make them stop. Thank you.
Product: Checking or savings account

I am filing a complaint with CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws and i request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Debt collection

In XXXX I was hospitalized. On XX/XX/XXXX I received a collection notice from Capio Partners ( collection agency ) notifying me that I had an outstanding balance of {$1800.00} from XXXX XXXX XXXX. Please note : I never received a bill and the charges were never submitted to my insurance company XXXX XXXX. This bill is now showing up on my credit report and I am getting the run around from XXXX XXXX XXXX ( XXXX ). I've spoken with my insurance company and it is XXXX 's responsibility to submit the claim. XXXX told me I had to deal directly with the collection agency who told me I had to contact my insurance company. Because the claim was never submitted the insurance company can not process a claim. I no longer have this insurance and because XXXX did not submit the claim back in XXXX it is likely that XXXX will deny anything submitted now.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 i sent you letters about a lot of inaccuracies on my credit report, but I still havent received any response from you. I need my credit report to be cleared from all these errors and i am begging you to clear off stuffs that should not even be there in the first place. My information might have aslo been affected by equifax data breach so please go and investigate.