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

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX  XXXX XXXX Balance : {$300.00} XXXX XXXX Balance : {$4200.00} XXXX XXXX  XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$4300.00} XXXX XXXX  XXXX XXXX Balance : {$1800.00} XXXX XXXX  XXXX XXXX Balance : {$7900.00} XXXX XXXX Balance : {$3900.00} XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX Balance : {$4900.00} XXXX XXXX XXXX Balance : {$20.00} XXXX  XXXX XXXX Balance : {$130.00} XXXX  XXXX XXXX Balance : {$130.00} XXXX  XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$470.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$470.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting 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 items 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 items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that 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
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information on the LexisNexis report is inaccurate. I disputed the information however it is still inaccurate. I have a copy of my driving record from the state department of Illinois state motor vehicle. I need my information on the LexisNexis report to coincide with what is on my legal report from the motor vehicle department of the state of Illinois, my driving record.
Product: Debt collection

I owed a debt of {$520.00} for a Capital One credit card. When I was unable to pay, a debt collection agency, XXXX XXXX, began calling to collect. 

In XX/XX/2018, I spoke with them about paying off the debt. I had about {$300.00} dollars to pay. I asked them if they would accept his as payment in full, and remove the amount owed from the credit reporting agencies. They agreed to this amount. 

In checking my credit report today, I saw that {$200.00} is still listed as a balance. I called them to ask them about this account. They indicated I had " settled '' the debt, not paid it off. I informed them their agent had agreed that I would not owe any further amount if I made the {$300.00} payment, and they would report it as paid in full, and this is why I agreed to pay at that time. 

When I called, I informed them I felt that had lied to collect the debt, and they apologized, but indicated they would do nothing to rectify the situation. They indicated they could not contact the reporting agencies to fix this error. I informed them I would be making a report about this lie.
Product: Credit reporting or other personal consumer reports

This is my complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Per 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, XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX  : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX  XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX XXXX  : # XXXX, XXXX XXXX  : # XXXX, XXXX 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, XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX 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 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: Credit card or prepaid card

I have attempted to contact Wayfair Credit ( Comenity Bank ) on multiple dates in the month of XXXX. The website would not allow payments, the website provided a variety of error messages. I also called their customer service number numerous times and was on hold for over two hours without an answer. Their automated service would allow for payments but would require an additional charge of {$9.00}. I signed up for emailed statements over a year ago, so statements would normally be emailed to me. However, no statement was sent to me for the due date in XXXX. The last statement I received was in XXXX for the month of XXXX. On XXXX XXXX at XXXX XXXX, I received a call from a number XXXX who stated they were Comenity Customer Service . I advised them that the statement for XXXX was never sent to me and I had been attempting to contact them for over three weeks. They related that I could pay over the phone, but I requested a copy of my missing statement, correction on my account to reflect that payments were unable to be made due to their system error and a new credit card which they still had not provided. The agent related that they had system wide issues. I was then placed on hold by the agent whom never returned to the call. I called the number back, and the automated system stated they were closed for the day. I am requesting correction to my credit report to removal any past due statements, updated credit card statements, and requiring the company to provide a new card as well. This payment has not been able to be submitted due to no fault of my own, as I was advised the company was sold to Bread Financial and their websites are having issues.
Product: Mortgage

My Mortgage was used to satisfy Chase {$13.00} XXXX Settlement with Federal Government including $ XXXX for consumers since my loan is a XXXX XXXX originated in XX/XX/XXXX and all the papers were signed by the Mortgage Broker. Also Chase has another settlement with US Justice Department in XX/XX/XXXX for {$55.00} XXXX and I am minority and is part of the settlement. 

Chase send us Satisfaction of Mortgage recorded in XXXX County on XX/XX/XXXX at XXXX XXXX. Since the letter came with my wife name XXXX XXXX first she filed it. 
I am seeing the document in XX/XX/XXXX. 

Chase still continued to send bills after XX/XX/XXXX and collect monthly mortgage payments even though the mortgage was satisfied in XX/XX/XXXX. They should have closed the mortgage and stopped sending me bills
Product: Credit reporting or other personal consumer reports

XXXX victim 's letter to consumer reporting agency XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX RE : XXXX  Block Request Dear Sir or Madam : I am a victim of trafficking. The information listed below, which appears on my credit report is a result of trafficking AUTO LOANS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please block this information from my transunion credit report within four days, pursuant to section 605C of the fair credit reporting Act Please send me a notification of the actions taken. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX Enclosures ; proof of identity State issued ID XXXX  Documentation A self-attestation letter that you are a victim signed or certified by a representative from a government entity, court, or authorize non governmental organization or human trafficking task force.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : US DEPT ED XXXX US DEPT ED XXXX
Product: Debt collection

ONLINE COLLECTIONS Original creditor : XXXX XXXX {$390.00} Balance updated XX/XX/XXXX Payment Info Original loan amount {$390.00} Balance {$390.00} Status date XX/XX/XXXX Additional info Comments Dispute resolved consumer disagrees Your statements - Contact XXXX XXXX  XXXX XXXX, XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed several times for verification of late payments from XXXX XXXX have not sent any proof to my disputes.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Dear Sir or Madam, I am a victim of Identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Auto loan XXXX XXXX XXXX Date open : XX/XX/XXXX Repossession Balance : {$12000.00} Original Balance : {$22000.00} Monthly payment : {$800.00} Terms : 36 Months Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications all furnishes of this information. 
Attached are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 

A copy of my Notarized Identity Theft Report and proof of my Identity. 

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four days and to promptly notify the furnisher ( s ) of that info I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I was looking for somebody to take care of me I had my contact information on a dating website for the public to see. I was contacted by somebody claiming to be somebody else unbeknownst to me, they said they would gladly help me out on XX/XX/XXXX. They provided me with their full name, account number, and access password for their XXXX XXXX  account XX/XX/XXXX. I saved all the text messages between me and the other party because I had a feeling it was a little too good to be true but I was also desperate for cash. After I put in the information and transfer the funds to my credit card to make a full payment I contacted the credit card company and told them that I didn't know if it was fraudulent but I wanted to be sure that I was okay and they told me I was they told me my account was safe. After the funds had cleared the other party started demanding that I buy gift cards a lot of it and send him the information. I declined and cut off communication with him XX/XX/XXXX. The payment was then reversed a couple of days later. My credit limit was actually increased on an unrelated credit card within the same bank and then was closed without my knowledge until I try using it again to which would always come back decline. After calling both credit card companies I was told to my accounts were closed because a reverse payment from an account that was unrecognized they assumed it to be fraudulent or scam activity and since I had actually made a payment it was my fault and they closed my accounts. I made sure not to use the money that was paid to me from the XXXX account but they advised me that weather I use the money or not I would be responsible no matter what. I asked if there was a way I could appeal they said their decision is final I told them it was an honest mistake and I had no intention of following through with a scam they said that doesn't matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX ; XXXX Account # XXXX ; US DEPT ED Account # XXXX ; DPT EDXXXX Account # XXXX, DPT EDXXXX Account # XXXX ; XXXX Account # XXXX, Account # XXXX ; XXXX Account # XXXX and XXXX Account # XXXX have 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
Product: Credit reporting or other personal consumer reports

My credit card company XXXX initially charged me an incorrect finance fee, under Law 15USC 1666B those fees were deemed incorrect and I disputed these charges and requested a fee reversal. These fees were refunded as shown on my attached statement. In addition, the company subsequently charged me a LATE FEE of XXXX which too was deemed incorrect and refunded on my attached statement. This issue however is not completed and is showing up INCORRECTLY on my XXXX and TransUnion credit reports. Please note that the statement that my XX/XX/2023 statement was never delivered which also violates 15USC 1666B which states the statement was to be delivered to the consumer not later than 21 days before the date specified in the statement by which the payment must be made in order to avoid the imposition of that finance charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is over 50Days that i disputed some items on my report as reported by your reporting Agency. i still do not have a response or report of investigation. 
- Incorrect name - Misleading Also Known As Name - Incorrect and Misleading Current Address - Misleading Previous Address. 
All the above and many more Unverified accounts that were not investigated or deleted if it was not investigated. It is obvious that i am taken for granted and they are taking advantage of the situation and they are depriving me of my right to dispute. The report has caused me great distress and XXXX. 
According Law, Section 611 ( a ) ( 1 ) ( A ) of FRCA that clearly states that a failure to investigate and report any disputed inaccuracies or error within 30days it gives a reason to immediately remove those items from my credit report. it has been over 90days, so they should be deleted immediately.
Product: Checking or savings account

This is concerning Citibank. We've had a credit card with them for years, they were fine. Recently we got an offer from them to open a checking account. If we were to put {$50000.00} in for XXXXdays, they would give a {$700.00} at the end of that period. 

On XX/XX/21 I opened account. I funded it on XX/XX/21 with {$50000.00} from a savings account ( XXXX horizon bank ) where the money had been held for years. That sum of money came from selling a house that was inherited when my mother died. We also deposited {$44.00} ( XX/XX/21 ) from another checking account, just to have it be enough over $ 50k, just in case, because the full XXXX had to stay for XXXX days. 

On XX/XX/21, we mobile deposited a check for {$850.00}. This check is payment from the other inherited house, in Texas, which we are owner financing for my mothers former tenants. We have been accepting payment from them for years, and my mother had them as tenants for years longer, and we never had a bad check from them. 
Citibank claims this check is bad, which isn't true, we've spoken to the tenants, they can prove it. Citibank decided to then block the account and say they are closing it, saying they will mail something, but this isnt good enough. 
We don't have a Citibank branch here, they say they would release it at one but it's XXXX hours away. I ca n't drive XXXX hrs each way to find out they are lying. 
They also plan to steal the {$850.00}, because the tenants have not received it back yet. I can not even look at my account they have removed all access to it, as if it doesn't exist. I consider the {$700.00} theft also as we would have earned it had they not tried to rip us off and steal from us. 
We desperately need this resolved fast. We are buying a family home here in XXXX Tennessee, and will be closing on the house in XXXX days. We can't have money tied up, God knows where, hoping they mail it to us and HOPING it actually reaches us since we will be moving to a new residence. 
They need to unlock our account so that we can transfer it back to our previous bank, safely, and leave the account open until it clears. We had {$50000.00} sitting in that account that they have stolen, plus they really owe us the {$700.00} bonus also, but I'm willing to let the bonus offer go, just want MY money back safe and sound.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX XXXX  dated XX/XX/2022 and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, XXXX, Experian and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check and correct the payment history, date open, last activity and Status of these accounts listed below. I believe it was reporting in error in my file. 
XXXX XXXX Balance : {$93.00} XXXX  XXXX Balance : {$24.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out on XX/XX/2022 to XXXX, XXXX, and Experian. However, its been more than 30 days and the credit bureau failed to send my investigation back. This is not making sense. 

According to the law 15 U.S. Code 1681i Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.