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

My name is XXXX XXXX, and I am submitting this CFPB complaint to contest the fraudulent items that are listed on my credit report. Upon receiving a recent copy of my credit report, I was alarmed to discover the existence of several accounts that I neither opened nor have any knowledge of. The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I want to emphasize that I did not initiate the opening of these accounts nor did I authorize anyone else to do so on my behalf. I firmly believe that this is a case of identity theft, and I am currently taking the necessary steps to report this matter to the appropriate authorities. I kindly request that you provide a written response regarding this dispute and inform me of the outcome of your investigation. Additionally, I would appreciate it if you could furnish me with an updated copy of my credit report once the fraudulent items have been successfully removed.
Product: Credit reporting or other personal consumer reports

Equifax is illegally reporting a negative account with a balance that I do not recognize from XXXX XXXX on my consumer report. 

The negative account ( canceled debt ) it is showing the amount total is {$11000.00} as Charge Off and I have never received a 1099 cancelation of debt form. Furthermore, I did not consent to allow any negative accounts to be posted to my credit report and thus it is in violation of 15 USC 1681eb and 15 USC 1692a ( f ).
Product: Mortgage

i phoned the lender and tried to get them to postpone the foreclosure sale since i have just received an offer on the property and the buyer is very serious about purchasing the property. I have fallen on hard times and i was unable to pay my mortgage and when i went to my lender to see if they could assist me with the other alternatives, they were not really invested in assisting me. I feel as if they have been unreasonable and unavailable while i am going through this tough time. I need help and i am hoping that you are available to assist me. the lender continues to ask me about a retention option.
Product: Debt collection

I didn't even know I had the debt from the ER. 

I did not receive notice that I owed money, I did not receive notice that it was going to collections. 

The collection agency that took over my debt, did not call, did not send a notice to me that my debt was passed over to them. I got an email on XX/XX/XXXX that my credit score had dropped XXXX points. When I logged into my account it said I had been sent to collections. Luckily XXXX had the collection agency contact information. I contacted the collection agency immediately and asked about these bills. Only to find out this agency had dinged my account on XX/XX/XXXX and never sent notice to me. 

The dates were from one provider at the ER in XXXX XXXX, FL XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I would have paid these if I knew they were out there. XX/XX/XXXX I checked my credit, as I was in the middle of a divorce and was in the process of repairing my life financially. They weren't on the credit report then. When I asked the collection agency when they took over the debt, they said the medical provider sent in XXXXXXXX XXXX XXXXXXXX How am I suppose to pay a bill if I didn't receive notice. And secondly when was the collection agency going to let me know? 

As far as paper work.. I have none. No bills from the hospital. No letter stating my account is being moved to collections. 
No collection letter from the agency that took over my debt from the hospital. 
If it wasn't for XXXX I wouldn't have known about any of this.
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 items 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 items 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on 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 an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

I have been having issues with opening several banks not having the ability to open an account after my bank sent a letter XX/XX/2022 stating my account would be closed on XX/XX/2022 however the account was closed XX/XX/2022. The bank lady where I tried to open the account states the XXXX XXXX for consumers had negative things and my risk factor to ope an account was over XXXX. When I spoke to fifth 3rd rep. He state my account was using XXXX too much however they didnt report. I also found out I am part of XXXX  data breach. My complaint is now I am unable to get certain credit and I want my identity back. There is something on XXXX XXXX stopping my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/2020 to XX/XX/2020, my Equifax score plummeted from a FAIR XXXX to a POOR XXXX. The same dramatic decrease did not happen with the other two major credit reporting bureaus ( currently XXXX & XXXX ) and nothing major happened in those 30 days to justify such a drop of 41 POINTS. 

When I asked the customer service rep ( and then the supervisor ) if there may have been a computer error, I was told that " the score is the score '' and that I would just have to " deal with it ''. 

I received no concrete insight or proof as to how that drop may have occurred, but given that NO new collections accounts were added and all payments were made early or on time ... AND ... the fact that older collections accounts have less impact as time goes on ( not more ), BUT if they do ... it is a decrease of maybe 3, 5, 10, or even 20 points ... NOT 41. 

What recourse does a consumer like myself have against these credit bureaus that control our lives with these three digit numbers? What accountability do these companies take, if any? 

As far as I'm concerned, this potential error has set me back up to 6 months and negated much of the credit repair work I have been diligently doing.
Product: Checking or savings account

I am the XXXX and XXXX  of XXXX XXXXXXXX XXXX XXXX XXXX # XXXX, " XXXX XXXX ''. XXXX XXXXXXXX XXXX XXXX XXXX # XXXX have a Us bank business Account # XXXX, Routing # XXXX with an account balance of {$110000.00}. XXXX XXXX XXXX XXXX Us Bank business account are being partially closed by the Us bank manager at the XXXX, California Branch with no merit. I am a XXXXXXXX XXXX XXXX XXXX trying to develop a Economic system to work for me and my associate family. However, I believe Us bank are trying to derail my business, XXXX XXXX XXXX XXXX. I believe this Unfair business practice, Deceptive Trade Practice, and Unfair Competitive actions are raise against my XXXX XXXX business, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California. I also believe Us bank Corporation are discriminating against XXXX XXXXXXXX XXXX XXXX, and all our Board of Directors from within aiming to stop are XXXXXXXX XXXX business growth and expansion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to dispute the accuracy of my credit report. After reviewing my report, I have identified an erroneous account that is negatively impacting my credit score. According to the Fair Credit Reporting Act ( FCRA ), it is the responsibility of credit reporting agencies to ensure that the information on credit reports is accurate and up-to-date. I am requesting that you investigate this account and make the necessary updates to ensure that my credit report is accurate. The listed accounts is erroneous and should be removed from my credit report : XXXX XXXX XXXXXXXX Balance Owed : {$31000.00} - I would like to confirm the payment history and status of this account. I believe this account is reporting inaccurate information. I was never late on this account because I always make my payments on time. I keep my own payment records and the record you present do not match with what I have. I request a thorough investigation for this account and update for legal and lawful accuracy.
Product: Payday loan, title loan, or personal loan

Saturday XX/XX/XXXX, I got on to try to change my payment date. I seen a link that said change payment or something along those lines I did it and they ended up charging me a {$65.00} payment XXXX in a few days. I emailed them from their customer service contact link wanting to change my due dates from what it is to Fridays. Their solution was to change the information into a new loan extending my payments and their interest. I told them if they can not just change the payment dates without trying to put it in a new loan gaining more interest I was done. They went against my lending rights by not allowing me to change my due dates without them trying to collect more interest payments by extending the loan. I have the email conversation saved
Product: Debt collection

I am XXXX XXXX and I am submitting this complaint myself to address the imprecision on my Credit Reports. The 3 Credit Bureaus are reporting inaccurate information on LVNV FUNDING LLC ( Original Creditor : XXXX XXXX XXXX XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and proceed with any corrections or remove this from my personal file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX, NJ XXXX XXXX There are old items on my report that I demand you remove at once in order to comply with the 15 U.S. Code $ 1681c-2 and 15 U.S Code 1681b. 

XXXX XXXXXXXX - XXXX - This doesn't belong to me. - This is paid as agreed and should not be reported negatively on my report. 

XXXX XXXX - XXXX - This doesn't belong to me. - This is paid as agreed and should not be reported negatively on my report. 

XXXX XXXX - This is paid as agreed and should not be reported negatively on my report. 


Incorrect Address - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  NJ, XXXX - XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX The personal data reporting is inaccurate. 

XXXX XXXX - XXXX - The term that is being reported is reporting inaccurately - This was paid as agreed and should not be reporting a charge-off on my report at all. 

XXXX - XX/XX/XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reported. 

XXXX XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reported. 

XXXX XXXX XXXX - XX/XX/XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reported. 

XXXXXXXX XXXX XXXX  - XX/XX/XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reported. 


15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN to report anything on my consumer report which violates my rights as a federal pro-consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of these accounts listed IMMEDIATELY.
Product: Credit card or prepaid card

IN XXXX XXXX  I was scared by national tax/ nationwide tax and I called capital one for help to get my money back. I ask for a chard back to them and though they had saved my problem but I was wrong when in XXXX they chard the money back to my account. I called them to work it out and thy said that they could do nothing and I would have to work it out with them. I now had a card that was way over so I cancel the card was willing to pay if of month to month payments. Then they hit me with XXXX in fees per month and would make it impossible to pay the card off. I called capital one to work something out with them and I spoke to XXXX. She ask how could she help me. I began to tell her why I was calling and in the middle of me speaking there was a click and no one was on the line. I though that we were cut off so I called back and spoke to XXXX and she ask how she could help me so I began to speak and once again there was a click and I was talking to myself again. They were not willing to hear me or work anything out. I have never know a credit card company to not won't to work things out to get their money back as soon as possible.
Product: Vehicle loan or lease

This vechile was reposses from me in 2016 when the car was taken I never received the documents in the mail for the car being sold which it should have been sent to me. I have a cease and desist order with the company as they are not allowed to speak with me over the phone nor contact anyone as they contacted neighbors and advise that I did not pay my bill. I reached out to XXXX XXXX who is the complaince specilaist to ask what is the settlement on this account. They are still charging me interest on the account in the state of IL once the account is charged off I should not be charged interest for the loan they are reporting the loan to be closed but still the dollar amount has gone up over the year. I have reached out to the attorney general in the state of Illinois to advise of what this company is doing and she asked me to ask for a settlement and if they do not want to work with me I can file charges against them. I have done that and today XXXX told me via email that in order for her to help me I would have to remove the cease and desist on the account as they are not able to speak with me about it. I advised her that I will not remove this as the only communication I should get from them is in writting nothing over the phone nor will I provide them contact number. I have not been able to get the company to one remove this after the information that they are reporting to the credit company is not accurate they said that it is. I now would like to have the signed contract that states when the car is taken I will still be charged for the car interest even after the car is sold. In state of ILLINOIS this is not possible when the account is charged off. So I will like to have the documents sent to me and if they are not able to provide this to me I will per the FCRA they have to provide me the sign contract for me taking the car and saying they can still charge me.If they can not provide that I will like to either be offered a settlement for what was left to pay on the car or removed off my credit.
Product: Credit reporting or other personal consumer reports

An incorrect account information has been discovered on my credit report. This incorrect information is being reported for XXXX by the 3 Credit Reporting Agencies , TransUnion, XXXX, and XXXX. Below are the incorrect account status as reported by the agencies. 

Last Verified : XX/XX/XXXX ( TransUnion ), No date ( XXXX ), No date ( XXXX ) Date of Last Activity : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX ), -- ( XXXX ) Date Reported : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ) Date Opened : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ) Date Closed : XX/XX/XXXX I have requested a Reinvestigation for the inaccuracy to this information reported by TransUnion, XXXX and XXXX but none of these companies has responded with absolutely certainty of the accuracy of these information.
Product: Credit card

Overcharged on the card. Fees being added way to high. As much as I have paid this should be paid off. 
I was not aware of the arrangement they are claiming. Previous bill paid through a collection agency in full. 

I turned this into insurance hoping they would take care of it. My insurance paid a total large sum which should have taken care of most this bill. That card started out with over {$4000.00} that I did not get service for. 

Plus, I went to dentist Tuesday the work they done is coming undone and there is a hole in upper right side tooth that was done when they pulled the floss through and damaged the cement. I now have to pull this and lose my tooth. I paid for root canal and etc. Attached documents again and original bill.
Product: Credit card

Around mid XXXX 
( Please refer to previous complaints for time and dates. ) I was denied my right as a hard working small business owner, scraping by in one of the world 's worst financial crisis in history, my right as an XXXX to pay my credit card bill by the XXXX, XXXX XXXX, of the XXXX XXXX XXXX XXXX. 
XXXX XXXX. 
branch of the wells fargo bank. 
I have tried over and over again to resolve this and all I get are frivolous phone calls from puppet employees who consistently apologize for an incident they deny ever happening. If they weren't wrong why do I get a litany of apologies from corporate then? I'm told they will take the matter up with higher ups and I never receive another phone call call with any kind of resolution. I'm being gaslighted into thinking they are helping me and nothing is actually getting done about the problem. Problem being systemic difficulties with leadership at this particular branch and many others for that matter. I'm feel I'm being targeted and discriminated against becuase of the many complaints iv filed with XXXX and simply becuase I'm poor and don't have the resources to fight back. Institutions like this prey on the poor and get away with treating us like mideveil serfs working the banks land. They know we are poor. They know we are so busy just trying to keep our basic needs met that we can't fight them. I will never stop fighting tyranny in the land of the free! I will not simply bow down and let these evil corporate systems walk all over me.
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXXXXXX XXXX XXXXXXXX XXXX, VA, XXXX Incorrect CurrentAddress : - XXXX XXXXXXXX XXXX  XXXX, VA, XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, VA, XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is showing up on my XXXX, XXXX and TransUnion as collections/charged off when the account was paid in full.