23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

My ex husband used my information fraudulently. I reported and disputed with all XXXX credit bureaus and let them know I was a victim Of identity theft. I provided a police report number and disputed the Florida addresses that was also attached to my credit file. They responded, that the account was verified as mine. He has also created various emails in my name. I have been disputing this since XXXX of 2023. I went to my attoeney XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, he informed me of different avenues to take in order to resolve this matter. I dont understand why or how XXXX can say I own this account. Identity theft, is... ..identity theft. I gave no permissions to use my social security number or personal informarion to purchase goods. I have not seen this person in over 25 years. Because we were married doesn't make what he did right!
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you that I was the victim of identity theft. I researched how to remove the fraudulent personal information from my report and found that I needed to visit the Federal Trade Commission, or https : //www.ftc.gov, to file a report. Credit reporting agencies are required by FCRA Section 605b to remove or block any personal information listed on an ID theft report. Please see the attachments for assistance in blocking the incorrect information that is being posted to my report. 

These are the following lists of personal information that do not belong to me or were opened without my permission : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA 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: Credit reporting, credit repair services, or other personal consumer reports

I had my identity stolen in XXXX XXXX and a number of fraudulent credit inquiries appeared on my credit report. The only remaining credit bureau that has not removed these fraudulent inquiries is Equifax. I have called Equifax and they still have not corrected all fraudulent inquiries. Below are all the online disputes I have submitted to Equifax and still there is no action from them. I 've called the companies associated with the credit inquiries and they have sent Equifax multiple letters to remove the inquiries due to fraudulent activity. Equifax still does not remove the remaining fraudulent inquiries. 

Here are all the disputes I have filed to Equifax since XXXX XXXX and Equifax still fails to resolve this issue : XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Expired XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Mailed XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Expired XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Delivered Online XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Expired XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Mailed XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Delivered Online XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Mailed XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Mailed XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Expired XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Mailed XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Expired XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Mailed XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Mailed XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Mailed XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Mailed XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Mailed XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Mailed XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Delivered Online XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/27 I sent a 609 letter to each bureau, transunion, XXXX and XXXX  on behalf of inaccurate information reporting on my credit report. I have not received any response from neither bureau. Please investigate on behalf of my disputes sent on XX/XX/27. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ADDED A ACCOUNT ONTO ALL THREE OF THE CREDIT REPORTING COMPANIES AND I DISPUTED ALL THREE CREDIT BUREAUS AND XXXX AND XXXX INVESTIGATED IT AND REMOVED ALL THE ACCOUNTS FROM MY REPORT AND SENT A MESSAGE TO EXPERIAN STATING THEY REMOVED AND BLOCKED THIS XXXX ACCOUNT. EXPERIAN NEVER REMOVES STUFF UNTIL I GO TO FTC AND CFPB. EXPERIAN KNOW THIS ACCOUNT ISNT MINE AND UNDER THE FAIR REPORTING ACT ONCE ONE BUREAU REMOVES IT AS FRAUD AND SEBDS A REQUEST TO ADD A FRAUD ALERT THEY SEND A DETAIL MESSAGE WHY THE WANTED THE FRAUD ALERT ADDED. I WANT THE XXXX ACCOUNT REMOVED ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander Consumer USA Inc. failure to comply with FCRA 611 ( a ) ( 7 )  within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful non-compliance.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and as a result, fraudulent 
accounts and inquiries have been reported on my credit file. In accordance with 15 USC 1681c2(a) and FCRA  605(b), I am requesting that the following accounts and inquiries be blocked 
and deleted immediately from my credit report.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Multiple instances of reporting erroneous activity have occurred. It's essential that any unauthorized item is removed within four business days. This involves providing sufficient proof of identity, submitting an identity theft report, identifying relevant information, and confirming its unrelatedness to any of my transactions. 
XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested for the fraud alert to be removed from my experian and equifax report but its still showing on there. i need the fraud alert removed from my report asap thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name was included in the Equifax data breach which occurred between XXXX - XX/XX/XXXX but I was notified in XX/XX/XXXX. I wanted to file and official report regarding this breach since my data is on the dark web and there are several items on my personal non-public information credit report I don't recognize and I have to deal with consumer reporting agencies as a result. 

The credit agencies that was in involve XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Reporting Agencies are mandated by the FCRA but refuse to answer the question ; where is verbal permission allowed in the FCRA for companies?
Product: Credit reporting or other personal consumer reports

The credit bureau agreed to remove the said collection. The collection was not removed from my credit report. Experian agreed to remove the collection off my credit report. I am distraught to know that Experian has failed to do what was agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Three companies made a hard inquiries on my credit report on XX/XX/2023. Pentagon FCU, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The number that was listed for XXXX was XXXX but their mailbox was not set up. The other two was not listed on the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  after numerous attempts does not comply with fcra laws they deny any request to confirm missed payment and provide proper documentation even when I send them letters sayings it me with my id and address and Social
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to this company with no resolution, this account does not belong to me it is also reporting a address I have never lived at.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft deemed so by the FTC, did all that was required as listed on the FTC 's website ini the Recovery Steps - to no avail!? 
Equifax will not allow me access to my account?! 
I requested a copy of my credit report twice and did not get it? This entire ordeal is horrifying! 
Kindly REMOVE THE NEGATIVE on my report as is required by law within days of information received by CRA but it was't removed!?
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I reached out to Fair Collections & Outsourcing INC. I informed that I was willing to pay the debt for deletion off my account. Although I never confirmed that I was accepting ownership of account, I wanted to pay for debt in full to have removed or all tenant and credit bureaus updated showing paid in full. This company has failed to do so.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I sent {$100.00} to my aunt in XXXX XXXX and she went pick it up but her last name was spelt wrong so I called western union to change it and they did the next day I told her she can go and pick it up so on XX/XX/2022 someone from wu called me asking have I ever sent money to that person and do I know her I said no this is the first time Im sending money to her and she is my aunt so he was like ok the funds is ready so she went and there and no transaction was found then I called wu and they said I had cancel my transaction I said I never did so they gave me a new MTCN and I went to pick it up across the street from my house and no transaction found so I called them back they say the money is there I said no its not so I kept calling and calling then that Saturday night early Sunday morning I called them and they said that I picked up my money at XXXX XXXX XXXX  XXXX XXXX i said no I didnt I live in XXXX XXXX they said ur name was used to pick up the money I said how and I was never there and they hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Leased XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. Paid monthly payment {$430.00} on time every month and returned the vehicle on XX/XX/XXXX prior the the lease end date. Dealer provided me with the Vehicle Return Receipt ( attached ) that he and myself signed agreeing the car was returned on time with no damage. It was at that time that I was told there was nothing else I needed to do and I left the dealership. On XX/XX/XXXX I had a missed call and voicemail from Acura Finance asking me to contact them at my earliest convenience. I called back that same day and spoke to a representative who said I needed to pay a " return fee '' for my lease. When I originally leased the car I made sure to ask the dealer if there was return fee, as I had experienced this with a past lease, and they said " we do not do that ''. Therefore I was a bit surprised by the representatives call saying I needed to pay this but agreed to as she said it was required. After paying she said everything was taken care of and nothing else was needed on my end. It has now been brought to my attention that this payment was late and is effecting my credit negatively. When I spoke to the representative she did not make mention of the payment being late and did not make mention of past attempts to get in contact with me. In looking at my Acura account I see mail correspondence was sent to my old address and never got forwarded to my current address. If there were additional calls made to me regarding this I was unaware as a voicemail was never left until XX/XX/XXXX. If I had been made aware of this when dropping off my car and signing the vehicle return receipt I would have paid it right away but I was told everything was completed and there was nothing else I needed to do.
Product: Credit card or prepaid card

I received a Relia USBank Card that was generated by Unemployment Insurance of XXXX which I did not request. 
I contacted them and they told me to file a Fraud complaint I did. XXXX The XXXX Attorney General told me to call the fraud unit with Unemployment Insurance which I did left a message today. 
I have also called Relia Card and been put on hold waiting to talk to someone now. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE FILED NUMEROUS DISPUTES WITH EXPERIAN AND XXXX IN REGARDS TO A XXXX XXXX ACCOUNT ON MY CONSUMER CREDIT REPORT AND ACCORDING TO FCRA SEC 623 ( a ) ( 6 ) these companies are to stop reporting incorrect information on my consumer credit reports tha account that im referencing is a XXXX XXXX account # XXXX ... This account is suppose to be blocked and removed my my consumer credit report .I was a victim of identity theft and had no knowledge of this acccount ... And yet Experian and XXXX continues to report this account ...
Product: Credit reporting, credit repair services, or other personal consumer reports

this account with XXXX was in a bankruptcy that was dismissed when the bk was dismissed I sent in the payment to pay in full how XXXX is showing i was 180 days late and 150 late... also they're reporting old late pays that should of been removed from credit... I want to to update my credit report or show when my bk was dismissed versus when I paid in full
Product: Mortgage

Years ago I refinanced my mortgage with New Rez. The number of the loan is XXXX XXXX. 

Full coverage was already in effect, through XXXX. Years passed without incident. Then, on XXXX XX/XX/XXXX, New Rez notified me that it considered the property inadequately insured. New Rez was wrong, but I humored it anyway and had XXXX send it a fax verifying full coverage. Six weeks passed in silence. Then, on XXXX XX/XX/XXXX, New Rez notified me a second time of the same imaginary deficiency. I reached " XXXX '' at New Rez. He poked around, found the fax practically in his lap, and pronounced New Rez satisfied. Two more months passed in silence. Then, on XXXX XX/XX/XXXX, New Rez notified me a third time of the same imaginary deficiency. Each of these XXXX notices threatened me with New Rez 's furnishing its own coveragewhich might cost me a bundle and still not protect my interests. 

Yesterday, I spent 30 minutes on hold and the rest of the evening awaiting a call-back. Today, I spent 10 minutes on hold and have spent four hours awaiting a call-back. 

Even the first notice was superfluous ; the second and third notices were, if such a thing is possible, more superfluous. These guys won't take Yes for an answer. Please help them.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX : Account number : XXXX, XXXX : Account number : XXXX, XXXX XXXX  XXXX Account number : XXXX, XXXX XXXX : Account number : XXXX, XXXX XXXX XXXX XXXX Account number : XXXX, XXXX : Account number : XXXX, XXXX : Account number : XXXX, XXXX : Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Payday loan, title loan, or personal loan

On, XX/XX/XXXX I received a post card from this company offering a loan. So, I went online and was approved for {$300.00}. Ok fine. Sign everything. Except was n't included in the papers was I would be paying back {$1200.00} until XX/XX/XXXX. There I rest rate is XXXX. I called them to cancel after reading this, and told me it was to late. Has of today, the XX/XX/XXXX they withdrew {$110.00} from my account. Interest is {$39.00} {$73.00} is principle. This is a scam. I called my bank to stop any other future withdrawal. Also, I am on SSI, the monthly income to get this is {XXXX}. That 's what I receive. They do n't answer the phone emails. Nothing. The reviews and the complaints on this company is outrages. They fool you into this without sending the real paperwork, which states the loan interest until after they give you the money. Then your trapped.
Product: Credit card or prepaid card

CITI bank closes my credit card account and suspended all of my cash back rewards in the account. CITI bank never tells me the reason for closing my account and refuses to send my cash back rewards. I have about 700 US dollar cash rewards in my account.
Product: Money transfers

I made a payment at Walmart through MoneyGram and it was supposed to be for an XXXX XXXX XXXX with XXXX # XXXX through the XXXX in the amount of {$70.00} that was applied to the creditor XXXX XXXX XXXX XXXX. 
I went back to Walmart and they said that I had to address the issue with MoneyGram and I did and they told me that they have to wait for XXXX XXXX XXXX XXXX to refund the money to them in order for them to put on the account that I requested initially.
Product: Credit reporting or other personal consumer reports

Okay I have contacted Equifax about XXXX times in the past 6 months since I filed chapter XXXX on XX/XX/year> and they have refused to acknowledge that fact so as it sits now my credit report looks worse than it did when I filed chapter XXXX they have not updated anything and when I call them I'm on the phone for hours for them just to tell me to call back in XXXX hours cuz they're doing a security update and when I come back they tell me the same thing
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a credit investigation on XXXX XXXX. More than 45 days later, and I have yet to receive a response from XXXX. They are supposed to respond within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last 8 months I have had constant issues with XXXX merging my credit file with someone else. I spend about 2 hours a day on the phone disputing items. Yesterday XX/XX/2023 I called XXXX to dispute inquires on my credit report that were fraudulent and to ask them about my credit score. So an hr after the dispute request I received and email stating my dispute results were ready. When I logged into my XXXX Credit Report XXXX added {$89000.00} of fraudulent debt to my report. XXXX different names, XXXX new address which were in various states throughout the United States and XXXX new inquiries. XXXX destroyed my credit. I now no longer qualify to purchase a home. I have suffered severe XXXX  and XXXX  because of these constant issues. Now Im being told that it can take 30 days for an investigation. I called this morning XX/XX/2023 to make sure all items were being disputed correctly and was transferred to the specialized department. A man who kept talking over me stated that I needed to send in my social security card, drivers license and proof of address. I explained to him that I did. He didnt want to listen. I told him if he checked his system he would see I uploaded my documents weeks ago and sent documents via certified mail. I was placed on hold then I was told that their system has a conflict in social security numbers and names and that at this point the social security administration would have to provide something showing my social security number was issued to me along with the same documents my ID, social security card and proof of address. So now Im being told I cant dispute anything off my credit and no one can help me. I am mentally tired I spend a minimum of 1-2 hrs almost everyday trying to correct my credit with XXXX.
Product: Credit reporting or other personal consumer reports

On XXXX I sent multiple disputes letters to transunion and call creditors listed to report I retrieved a copy of my credit report and discovered that transunion has a total of 5 inquiries that I have no knowledge of. I asked to do a full complete investigation with a removal of all XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XXXX XXXX, XXXX XXXX ( Bank ) XX/XX/XXXX I did not authorized any transaction to be made on my credit report
Product: Money transfer, virtual currency, or money service

I want this company to contact me immediately and remove any negative information about me so I can cash checks at XXXX
Product: Credit reporting or other personal consumer reports

Credit card through bank opened XXXX. 

Defaulted XX/XX/XXXX. Individual charge card. 

Has Me listed as making 3 payments recently of {$1.00}, {$5.00}, and {$0.00} Its an obvious attempt at re-aging this account which has never been brought current in 7 years. Disputed through XXXX and I took one day for them to verify as accurate. 

How? {$1.00} looks accurate?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing inaccuracies on my EXPERIAN credit report since XX/XX/XXXX XXXX  EXPERIAN has violated quite a few of my consumer rights. EXPERIAN has and continues to violated XXXXitle 15 USC 1681 ( a ) ( 4 ). EXPERIAN has and continues to violate Title 15 USC 1681 ( I ). EXPERIAN has and continues to violate Title 15 USC 1681 ( g ) ( a ) ( 5 ). Lastly, the have and continues to violate Title 15 USC 1681 ( n ) of the Fair Credit Reporting Act. I have attempted to remedy these injuries with no help. I have sent EXPERIAN copies of all documentary evidence supporting my claim.
Product: Debt collection

I am disputing account number XXXX with Credence Resource Management since I have mailed quite a few dispute letters to the credit reporting agencies and it comes back verified every single time. They are declaring that I owe {$1900.00} to XXXX on my credit report. I have contacted Credence Resource Management to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act.
Product: Debt collection

I am writing to dispute the validity of the debt referenced in the collection notice I received. I have no knowledge or recollection of this alleged debt, and I am requesting immediate verification and validation of the debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

CREDIT COLLECTION SERVIC ( Original Creditor Name XXXX XXXXXXXX XXXX ) XXXX CREDIT COLLECTION SERVIC ( Original Creditor Name XXXX XXXX XXXXXXXX XXXX  ) XXXX