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

My identity and personal information was stolen in XX/XX/XXXX. For months, I have battled phone calls from creditors and collections for accounts that were not opened by me. I 've had to work with these companies in order to close these fraudulent items. I have also had to file identity theft affidavits and police reports in order to get these things off my report. This has caused a huge amount of emotional turmoil in my life because of the fraudulent information showing up on my report. I am filing this complaint because there is a total of 31 inquiries on my Equifax credit report that I never made nor authorized. The person or people who stole my information have been making credit applications all over the place which has negatively affected my score. I am including a copy of an identity theft police report from the XXXX XXXX Police Department with more details on my identity theft. The following inquiries need to be deleted immediately as it was someone else who stole my identity that was making them : XXXX XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX,  XXXX - XX/XX/XXXX, XXXX -XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX,  XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/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, XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX -XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX
Product: Mortgage

Have asked HSBC for a Discharge of mortgage for the previous owner of my house. When previous owner paid their mortgage off XXXX years ago during the sale to me, the bank never recorded that Discharge of mortgage with county of record. My lawyer has now been working on getting that discharge since XXXX 2015, a process that should have taken no longer than 90 days per HSBC.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous 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 alleged fraud or extortion. 
XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX  Original creditor : XXXX XXXX  XXXX XXXX Balance : {$2200.00} ; XXXX XXXX XXXXXXXX Original creditor : XXXX XXXX  XXXX XXXX Balance : {$2400.00} ; XXXX XXXX  XXXX Original creditor : XXXX XXXX XXXXXXXX XXXX Balance : {$2000.00} ; XXXX XXXX Inquired on XX/XX/2022 XXXX
Product: Credit card or prepaid card

When I contacted walmart regarding the interest fee on my credit card, i asked how much was the intrest fee and how often? They said to me it was every month and that is was only {$12.00} intrest a month. 
I believed it but always wondered why i owed so much money? I just received a new card and the app to log into my account and so i did, thats how i got to see they are charging me wayyy more for intrest than i can imagine and for every purchase i believe? 
My monthly payment is, every XX/XX/XXXX i always give my payment before the XX/XX/XXXX yet they still gave me a late fee on XX/XX/XXXX when i gave my payment XX/XX/XXXX!?!?!?!? I DONT UNDERSTAND!? 
So far i can only see my interest fees from XX/XX/XXXX its : ( XX/XX/XXXX interest fee {$34.00} ) ( XX/XX/XXXX interest fee {$35.00} ) ( XX/XX/XXXX interest fee {$34.00} ) ( XX/XX/XXXX interest fee {$34.00} ) ( XX/XX/XXXX interest fee 37.51 & late fee XXXX ) ( XX/XX/XXXX interest fee {$36.00} ) ( XX/XX/XXXX interest fee {$38.00} ) And for this month i already paid {$100.00} on XX/XX/XXXX. 
The balance on my account does n't go down AT ALL! I will be attaching pictures and prove of what i am talking about i circled everything in different colors on the pictures ( Sky blue means : Month, Payment & Payment Date ) ( Yellow : Interest Fees ) ( Red : Late Fee ) ( Green Means : Not Sure What They Charged )
Product: Credit reporting or other personal consumer reports

Subject : Urgent Assistance Required : Inaccurate Reporting of Paid Mortgage and Collection Account Dear Consumer Financial Protection Bureau, I am reaching out to request your urgent assistance regarding persistent inaccuracies on my consumer credit profile. Specifically, these inaccuracies involve the reporting of my mortgage account by my previous mortgage servicer, XXXX XXXX XXXX, as well as related issues with a collection agency. Despite having paid off the mortgage in full, the balance remains incorrectly reported, and I am facing complications due to erroneous collection account entries. 

I have successfully settled the balance of my mortgage with XXXX XXXX XXXX. However, the account has not been updated to reflect that it is paid in full. Instead, it continues to show an outstanding balance, which is misleading and damaging to my credit profile. Furthermore, the account was erroneously sent to collections, and this collection account has also been reported with inaccuracies. I have provided the credit bureausXXXX XXXXXXXX, and TransUnionwith detailed documentation, including proof of payment and correspondence from XXXX XXXX XXXX, to substantiate these discrepancies. 

Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) [ 15 U.S.C. 1681i ( a ) ], credit reporting agencies are required to investigate disputes regarding the accuracy of information on a consumers credit report. The FCRA mandates that if the information can not be verified or is found to be inaccurate, it must be corrected or removed. Additionally, Section 605B [ 15 U.S.C. 1681c-2 ] requires the removal of information that can not be verified within the prescribed timeframe. Given that I have demonstrated the inaccuracies and provided evidence of the paid mortgage balance, these inaccuracies should be addressed accordingly. 

Despite my efforts to resolve these issues directly with the credit bureaus and the involved collection agency, the inaccuracies persist, adversely affecting my credit profile. I respectfully request the XXXX XXXX XXXX XXXX intervention to ensure that these errors are corrected in compliance with the FCRA and that my credit report accurately reflects the true status of my accounts. Your prompt assistance in rectifying these matters would be greatly appreciated. 

Thank you for your attention to this critical issue. Please let me know if you require any additional information or documentation to facilitate the resolution of this complaint. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, DE 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 has violated my rights. I have looked at my Transition credit report on the XXXX of XXXX, 2024, I noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalXXXX, 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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. 15 U.S.C. 1681B ( 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

It has been found out that you are not REMOVING items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a legalized response. In the event that you decide to not DELETE the accompanying things recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law : XXXX XXXX XXXX Balance : {$470.00} ; XXXX XXXX XXXX Balance : {$870.00} ; XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX  XXXX Balance : {$1200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX {$900.00} XXXX XXXX XXXX Bankruptcy XXXX XXXX : {$0.00} ; XXXX  XXXX Bankruptcy XXXX XXXX : {$0.00} ; XXXX XXXX  Bankruptcy XXXX XXXX : {$0.00} ; XXXX XXXX  Bankruptcy XXXX XXXX : {$0.00} ; XXXX XXXX  Bankruptcy XXXX LXXXX : {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have come to realize that Transunion has included accounts in my consumer report that were a result of alleged identity theft. These accounts contain information that is not related to any of my transactions, and I have not received any benefits from them. To resolve this issue, I took the necessary steps and sent a written correspondence to Transunion, providing evidence of my identity, an identity theft report, identification of the inaccurate information, and a statement as required by law. As per the law, Transunion is obligated to block and delete the accounts within four business days from the date they received my notice.
Product: Checking or savings account

Subject : Urgent Hardship Complaint Regarding Access to Funds I am writing to formally express my serious hardship and distress caused by Chase Bank 's handling of my funds. I recently received a significant amount of cash and opened a XXXX XXXX account. Unfortunately, due to ongoing issues with that account, I decided to close it and deposited the funds into a new Chase account.

Since opening my Chase account, I have faced a multitude of problems. I have not received a debit card or account number, and after some time, my account was closed without a proper resolution. It has now been three weeks, and I am still waiting for a check for my funds. My experience has been fraught with misinformation and manipulation, resulting in extreme stress and hardship.

I fought for a check of {$10000.00}, which I eventually received, but Chase is currently holding {$300000.00} of my funds. For the past four weeks, I have been told that checks are being cut every other day, yet I have not received anything. There has been no tracking number provided, no estimated time of arrival, and I am only met with different answers each time I inquire about the situation. 

This ordeal has taken a severe toll on my mental health ; I have documented mental health issues and am on the verge of a breakdown. I am currently without adequate food, clothing, or shelter, and my situation is becoming increasingly dire. The unexpected passing of my wife has further compounded my distress during this already challenging time. 

I urgently request your immediate assistance in resolving this matter. I need access to my funds to regain my stability and mental well-being. Chase Bank is meant to provide safety and support for its customers, yet I find myself in a position of increased hardship due to the bank 's actions. 

Please prioritize my case and provide me with the answers and assistance I desperately need.
Product: Debt collection

DIAZ AND ASSOCIATES XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Has placed a collection debt on my credit reports in XX/XX/2019 without first notifying me. I was aware of the debt and it being on my credit reports. The collection agency is also attempting to collect a debt which has expired under the 5 year Florida statue of limitation Laws. It has failed to provide debt verification and its authority right to collect debt. 

Collection agency has failed to adhere to the Fair Debt Collection Practices Act.
Product: Credit card

In XXXX 2016 XXXX XXXX sent an email to renew my subscription. I replied to say NO. They charged the money to my US Bank credit card anyway. I called US Bank for more than an hour and a half, no one answered the phone. I called XXXX XXXX, they agreed to pay back the money, but refused to pay back immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting agencies Experian, XXXX and XXXX refuse to remove wrong/incorrect address from report
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 how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX  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 alleged identity theft, not later than 4 business days after the date of receipt.
Product: Vehicle loan or lease

I want to dispute my credit hard inquiries because the XXXX dealership of XXXX applied for an auto loan with more than XXXX inquires I asked them to pull, they applied with Bank of America, XXXX XXXX XXXX, Ally, XXXX XXXX, and XXXX
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX
Product: Debt collection

Some unidentified agency claiming an association to student loan processing has been robot calling me on a weekly basis for several months WITHOUT identifying who they are! 

I have XXXX instances of this contact recorded on my telephone system. 

The robot states they are attempting to contact my son. When I 've contacted my son, he states that he has ALREADY been in touch with this organization. However, I 've seen NO evidence on my end that they are communicating his activity internally. 

In the past 2 months, I have talked personally to their representative one time and provided him with : - A statement that my XXXX year old son is working with them already - That I have NO responsibility for ANY of his financial commitments - That they MUST cease and desist ALL efforts to contact him through me - That if they failed to heed my request, I would have no choice but to report him for creditor harassment - A lawsuit for mental anguish is a possibility due to disturbance of my peace in my own home resulting out of the non-stop nature of their robot calling - I have NO evidence that this organization is legitimate, so I will NOT provide contact information for my son In addition to this recent personal conversation, I have also " pressed 1 '' as suggested by the robot 's script twice in the past three weeks to respond that I am not the correct person to contact. Each time, pressing " 1 '' has resulted in being routed to a voicemail system where I have reiterated the same information as in the bulletted list provided previously in this complaint. 

It is my belief that I have been more than patient in trying to get these people off of MY back, therefore I am making this step in an effort to get relief. 

If they continue harassing me, I will seek legal counsel in an effort to speak their language by seeking monetary compensation for their harassment.
Product: Debt collection

This is not about XXXX XXXX but it is about Central Portfolio Control Inc, who bought an old payday loan debt from XXXX XXXX and have been TEXTing and calling my father, who is XXXX XXXX XXXX and was NEVER on my loan listed : they keep sending him texts about resolving MY debt as a XXXX XXXX XXXX woman. I have asked them to stop contacting my relatives!
Product: Credit reporting, credit repair services, or other personal consumer reports

The account below is reporting incorrectly/inaccurately on my consumer credit reports, please DELETE PROMPTLY & IMMEDIATLEY. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  reporting on XX/XX/2023 { Acct # : XXXX } - - - REASON FOR DELETION IS : Information reporting/reported is inaccurate - - - [ Account open date : XXXX = INCORRECT. ] - - - [ XXXX balance = INCORRECT. ] - - - [ Payment history = INCORRECT. ] - - - Furthermore, I have no knowledge or information about this account or company, they did not provide me with a copy of an original contract as requested. - - - As per the FCRA Section 611 ( 15 U.S.C. 1681I ) inaccurately & unverifiable reported information shall be promptly DELETED from my consumer credit report.
Product: Credit reporting or other personal consumer reports

I disputed the missed/late payments on my negative accounts because I've never been late or missed a payment. 

I also asked for proof of charge off and to update the balance to {$0.00} or delete the negative payment status on the negative accounts. 

Lastly, I asked for proof from the original creditors of these collection companies that the debt collector owns this debt and has the legal authority to collect it or delete this account. 

All they said was that these accounts were confirmed as accurate. They provided no proof and didn't update balances or anything. Collections companies didn't provide proof either. 

These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

A little over a month ago I opened an account at first Tech Federal credit Union about three weeks after opening the account I deposited a large check in the amount of {$21000.00} in my checking account before making this deposit I verified with a customer service representative from first Tech Federal credit Union if it was OK for me to make this deposit I was instructed that the hold would be seven days for the check, Immediately after making is the deposit I was restricted from my account and a very vague letter was sent to me that the hold would be for 60 to 90 days with absolutely no reason provided other than account Was restricted for activity which is a very vague explanation and absolutely no other reason provided. I have tried to contact the department the placed this hold However all my attempts have had negative results they do not except incoming calls the department that placed the hold.
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, CHILD SUPPORT ENFORCEM XXXX, CHILD SUPPORT ENFORCEM 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: Debt collection

XXXX XXXX XXXX. XXXX has sent collections letters stating I owe XXXX {$880.00} ( shown as {$880.00} on my XXXX, XXXX and XXXX credit reports ). I have written several certified letters asking for verification pursuant to the Fair Debt Collection Practices Act including but not limited to Section 807-8. I also asked for verification of the debt that is competent evidence bearing my signature, showing I have ( or have ever had ) a contractual obligation with MCM and/or XXXX, parties are in violation of the FDCPA ; therefore since they have not validated the debt, it must be deleted from all credit reporting agencies immediately.
Product: Credit reporting or other personal consumer reports

I am disputing do not relate to any transactions, I was informed by XXXX XXXX that my chances to obtain a credit card with XXXX XXXX were excellent & it would help me grow my credit. XXXX XXXXXXXX XXXX is reporting on my credit report as a hard inquiry. XXXX XXXXXXXX XXXX was never approved by me nor did I give any consent/permission to publish the inquiry on my credit report. A hard inquiry statue is two years and it's still reporting on my inquiry, while XXXX XXXX XXXX have removed the inquiry.