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

in the year of XXXX I have enquiries I do not do or recognize. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXXXXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX, XXXX I have 2 inquiries from same entity. 

Also my name my name is incorrect XXXX, XXXX my name is spelled -XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX & XXXX XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX,XX/XX/XXXX- XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXXXX/XX/XXXXXX/XX/XXXX, XXXX XXXXXX/XX/XXXX- XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXX/XX/XXXX, XXXX XX/XX/XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

PLEASE SEE ATTACHED DOCUMENTS INCLUDED WITH MY FTC REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account is unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that need to be investigated and correct : XXXX XXXX Balance : $ {$16000.00}
Product: Debt collection

this collection company is violating my consumer right by reporting negative information to the credit bureaus about a debt they i owe that was already paid under 15 USC 1692g. This information i damaging my credit and my life and i demand this information be remove from my credit file. I have tried to get this account removed from my credit file which was already removed once before but the bureaus reinserted this account back on my credit file without my consent or permission. I also have sent a cease to desist letter to the company to rstop all contact and reports til they show that the debt i owe them.
Product: Credit reporting, credit repair services, or other personal consumer reports

So to start off i noticed a credit alert on my credit file telling me there has been a collection account added to my TransunionXXXX  credit file in the amount of XXXX .The collection agency is XXXX   XXXX XXXX , I then reached out to the company and demanded to know why there is a collection account on my credit reports that does not belong to me.The XXXX XXXX XXXX representative was very rude to me as well not helpful at all, i then request all information on the account as well as the signed physical contract with my signature on it, the representative ( XXXX ) then hangs the phone up on me, I try to call back know the number doesent work.while researching this company that goes by many names and several other consumers have the same problems with the same company/collection agency.I have never received any notices from this company or did any kind of buissness with XXXX , I received calls at my job as well as my home late hours of the night, witch is clear violation FDCPA.This account is has no payment history, as well incomplete/missing information.Transunion/XXXX  is reporting erroneous information to my credit file.Same thing here with another collection account XXXX XXXX in the amount of XXXX reported by XXXX also no payment history/incomplete/or missing info.This is in violation of the FCRA Section 609 as well Section 611 of the FCRA.I ve been givin the run around by all parties and know I have consulted an a attorney to help me threw my next steps
Product: Debt collection

Portfolio recovery, a collection agency I have never had any contact with at all of any kind, is reporting a debt to the credit reporting agencies in the amount of {$3600.00}, as of XX/XX/2018.
Product: Credit reporting or other personal consumer reports

XXXX  like to request the removal of multiple unlawful hard XXXX  inquiries from XXXX XXXX report. I've obtained a copy of XXXX XXXX report from your XXXX  and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX OF XXXX XX/XX/2023 XXXX CARD XX/XX/2023 XXXX XXXX, XXXX XXXX XX/XX/2023 XXXX OF XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX OF XXXX XX/XX/2023 XXXX AUTO XX/XX/2023 XXXX XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX SER XX/XX/2023 XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX SER XX/XX/2023 XXXX XXXX, BEST XXXX XX/XX/2023 ALLY FINANCIAL XX/XX/2023 XXXX OF XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX, XXXX XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

Resurgent receivables has an account open that was never opened by me. We had a court date to remove account thats fraud they closed the case to sue me for documents not matching my address and information
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the Credit Bureaus to remove the inaccurate information that is found on my report. But still that inaccurate information is constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INCORRECT INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Inquiries : XXXX XXXX XX/XX/XXXX CXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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 shalli ) 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.

Please remove the following items from my credit report, immediately : Experian XXXX XXXX XXXX {$490.00} Account number XXXX Date opened XX/XX/XXXXXXXX XXXX XXXX {$1100.00} Account number XXXX Date opened XXXX XXXX XXXX {$450.00} Account number XXXX Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX {$1200.00} Account number XXXX Date opened XX/XX/XXXX XXXX XXXX  {$7100.00} Account number XXXX Date opened XX/XX/XXXXXXXX XXXX XXXX {$6600.00} Account number XXXX Date opened XX/XX/XXXXXXXX XXXX XXXX  {$2800.00} Account number XXXX Date opened XX/XX/XXXX XXXX {$1200.00} Account number XXXX Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX {$1200.00} Account number XXXX Date opened XX/XX/XXXX XXXX XXXX {$47000.00} Account number XXXX Date opened XX/XX/XXXXXXXX XXXX XXXX {$9600.00} Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} Account number XXXX Date opened XX/XX/XXXXXXXX XXXX XXXX {$7100.00} Account number XXXX Date opened XX/XX/XXXX XXXX {$1200.00} Account number XXXX Date opened XX/XX/XXXXXXXX XXXX XXXX {$6600.00} Account number XXXX Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX {$0.00} Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$9600.00} Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX {$2700.00} Account number XXXX Date opened XX/XX/XXXXXXXX XXXX XXXX {$1200.00} Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$9600.00} Account number XXXX XXXX Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX {$6600.00} Account number XXXX XXXX Date opened XX/XX/XXXXXXXX XXXX XXXX {$7100.00} Account number XXXX XXXX Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX {$0.00} Account number XXXX XXXX Date opened XX/XX/XXXXXXXX XXXX {$1200.00} Account XXXX XXXX XXXX Date opened XX/XX/XXXX PXXXX XXXX {$1200.00} Account number XXXX XXXX Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$47000.00} Account number XXXX XXXX Date opened XX/XX/XXXX
Product: Credit card or prepaid card

The state of New Jersey issued me a card from Bank of America for my temporary XXXX payments. The local branch has a known broken cash advance system and refuses to do anything about it. My bank branches often cant get through to the cash advance system to access my money. I can not pay my mortgage with a bank card or my other bills for that matter. If Bank of America cant support the nj XXXX payments they should t be handling it. Peoples live or severely and negatively impacted by their lack of care and lack of ability to support their own system. Bank of America on XXXX XXXX in XXXX New Jersey should be shut down!
Product: Credit reporting, credit repair services, or other personal consumer reports

Elanco Finl svc Was paid and I have been charge twice for the same bill by this company
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Resident typeApartment complex XXXX XXXX XXXX XXXX, NJ XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Resident typeApartment complex XXXX XXXX XXXX XXXX, NY XXXX Resident typeMultifamily XXXX XXXX XXXX XXXX, NY XXXX Resident typeSingle family XXXX XXXX XXXX XXXX  XXXX, NY XXXX Resident typeApartment complex XXXX XXXX XXXX XXXX XXXX, NJ XXXX Resident typeApartment complex XXXX XXXX XXXX XXXX XXXX NJ XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Resident typeSingle family THESE NAME VARIATIONS DO NOT BELONG TO ME XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your help to REMOVE some accounts from my credit file that occurred because of a FRAUD yet I have certain accounts passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my objective and they are eager to consider you responsible for your negligence : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I sent a letter to Experian to remove an address that is not accurate. 

They replied via email of the dispute. 

They have not removed the inaccurate address on my credit report as to date and they have not responded accordingly to remove the inaccuracy. 

I do not live at that address and have never lived at the address. 

I sent a second letter on XX/XX/21 regarding the failure to remove the inaccurate address. 

And notified them that I would contact the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Date of inquiry : XX/XX/2022, XXXX XXXX Date of inquiry : XX/XX/2022, XXXX Date of inquiry : XX/XX/2022, XXXXXXXX XXXX  Date of inquiry : XX/XX/2022, XXXX XXXX Date of inquiry : XX/XX/2022, XXXX Date of inquiry : XX/XX/2022, XXXX Date of inquiry : XX/XX/2022, XXXX Date of inquiry : XX/XX/2022, XXXX XXXX Date of inquiry : XX/XX/2022, XXXXXXXX XXXX Date of inquiry : XX/XX/2022, XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/2022, XXXX XXXX Date of inquiry : XX/XX/2022, XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/2022, XXXX XXXX  Date of inquiry : XX/XX/2022, XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof the Doctrine of Estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt nor therefore any such debt in fact therefore exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained a copy of my credit report and saw that you are reporting inaccurate and incorrect information in the personal information section of my credit report. To diminish any speculation my information is as follows : Name : XXXX XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them Address : XXXX XXXX XXXX XXXX, PA XXXX Please be sure that my address is listed correctly. 

Employer : XXXX XXXX XXXX XXXX ss # : XXXX
Product: Bank account or service

I went to a bank ATM of XXXX in XXXX, XXXX, location XXXX XXXX XXXX, XXXX, XXXX, Terminal ID XXXX on Friday XXXX/XXXX/2016 and made an {$800.00} cash deposit. The ATM gave me a message that the deposit failed and the transaction was cancelled and did not give me back my cash deposit or a receipt that it took my money. My account was not credited either. I spoke to the bank teller XXXX who called her supervisor immediately. They advised me to contact the phone number on the back of my card which I did. I spoke to XXXX at Santander Bank who gave me a case # XXXX and advised me that I would have the money back in my account within 24 hours. It is past that 24 hour mark and the money has not been returned. I contacted the bank this morning again and was advised it can take up to ten days for the money to be returned to me. I can not have the bank stealing my money for the next 10 days. This is an emergency situation as that money was to pay my mortgage which will now be late and there will be charges put against me. It will also affect my credit with a negative report to the credit agencies. This is not fair practices and not acceptable by either the bank or any other institution who deals with people 's money and lives!!!!!!!!!!!!!!!!!!!!! I need an immediate response to my cell phone at XXXX or I will be reporting this to the XXXX news stations and any other federal agency as this is terrible service and if anyone did this to the bank it would be considered robbery punishable by jail!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Debt collection

I have tried to contact this company 8 times. Last was tonight. Even tried the number they gave and no one ever answered. Ive tried to settle this debt more than once with no luck.
Product: Mortgage

I closed on a house in XXXX, my first mortgage payments to Freedom Mortgage Corporation weren't due until XX/XX/2023. 

On XX/XX/2023, I made a {$1000.00} payment to the principal, which processed on the XXXX. The money was taken out of my bank account, and appeared as a payment on my statement from Freedom Mortgage. 

Late XXXX I received a notice in the mail saying Freedom Mortgage had sold my mortgage to XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and that payments after XX/XX/XXXX should be sent to XXXX XXXX. 

I called both companies to confirm my XXXX payment should be sent to XXXX XXXX instead of Freedom Mortgage. When I checked my Freedom Mortgage statement, it showed my XX/XX/XXXX payment had been reversed, but the money was not returned to me, and my original principal balance had been transferred to XXXX XXXX. 

I called both companies again XX/XX/XXXX on a conference call to confirm my {$1000.00} payment was mad to Freedom, but not received by XXXX XXXX. Freedom said they would have to audit the transfer to determine where my money went and would call me in 2 days. On XX/XX/XXXX, they didn't call, I had to call, and they said they had up to 60 days from the date of my mortgage being sold for the money to be transferred to XXXX XXXX. 

After 60 days, on XX/XX/XXXX, I called both companies again on a conference call to get another update, but Freedom Mortgage at first claimed I hadn't made a {$1000.00} payment in XXXX, then claimed to have found it and claimed to have sent a check to XXXX XXXX on XX/XX/XXXX, which XXXX XXXX had not received. Then Freedom Mortgage asked for another 2 weeks to trace the check to see if it had been cashed or not, and if they could cancel the old check and send a new one. I told Freedom this was unacceptable and I would be filing a complaint. Then Freedom said I should hear back by Monday, and if not to call them. It is currently Monday and once again they have not followed up with me.
Product: Credit card or prepaid card

I received a paper statement which showed a transaction charge of {$190.00} for " BESTBUY XXXX XXXX. I did not authorize this purchase or renewal, nor did I receive any documentation in the mail about any renewal. There is nowhere on my BestBuy account webpage where I can find an option to cancel any automatic renewals or cancel renewals such as this. This is extremely misleading and frustrating. Especially since I literally just completed paying off this card. I reported this to BestBuy and tried to use their chat feature online to no avail.
Product: Credit reporting or other personal consumer reports

Subject : Request for Fraudulent Account Deletion from Credit Report Dear [ XXXX, XXXX, and TransUnion Representatives ], I am writing to formally dispute fraudulent information on my credit report and demand the immediate deletion of all fraudulent accounts listed below. 
I have recently reviewed my credit report, and I have found several unauthorized accounts that I did not open, nor do I have any knowledge of. These accounts are clearly the result of identity theft and should be removed promptly as they are damaging my credit history. 
Details of Fraudulent Accounts : Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$500.00} Hard inquiries - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

On XXXX XXXX, I went to XXXX to view free credit reports I am entitled to received XXXX time ( per CRA ) per year. I successfully viewed my XXXX and Experian reports. I also selected the purchase option to get my credit score from both of these CRA 's. My Transunion experience was fine : simple, transparent and provided me with what I wanted/expected. I paid the one-time fee and received my score. 

My Experian experience was not fine. Although I have worked in the XXXX for over 20 years, I did not notice Experian 's " fine print '' that by getting my score for {$4.00}, I was also enrolling in a program that was free for the first month and then I would be charged {$19.00} per month after that. Today, I realized I had a {$19.00} charge on my credit card ( posted XXXX ) for Experian 's monthly {$19.00} fee for whatever " service '' I apparently enrolled in. 

In my line of work, I follow the CFPB closely. I know that credit reporting has been a big area of focus and produces a high number of consumer complaints ( some fair and some unfair I 'm sure ). 

When I called Experian to ask about the {$19.00} charge on my credit card, and to bring forward my concerns about the " automatic '' enrollment in some " service, '' the representative was professional and helpful. He immediately canceled my membership but would not refund the {$19.00} fee that had already been charged to my credit card - essentially saying it was a " legitimate charge. '' I 'll admit, I may have missed reading some disclaimer or fine print when I thought I was just getting my Experian score for a one-time fee of {$4.00} on XXXX. 

However, if I 've made this mistake, I am very confident many, many others have also made the same mistake and 1 ) have n't noticed the credit card charges yet and/or 2 ) do n't know what to do about it. That is why I 'm writing to you today. I made it clear to the Experian representative that I talked to that I was going to contact the CFPB because the " automatic enrollment '' as a " revenue generator '' for Experian was not, in my opinion, an appropriate or " consumer friendly '' way to generate revenue in today 's highly regulated environment. 

For the record, I have no personal or professional connections with anyone at Experian or XXXX - not currently and not at anytime in the past.