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

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERALTRADECOMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any account listed on an id theft report. Please find the attached documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of accounts that do not belong to me or were opened without my permission. Bankruptcy : XXXX XXXX # : XXXX ; Bankruptcy XXXX XXXXXXXX Reference # : XXXX ; XXXX Reference # : 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

Incident Summary Date of Incident : XX/XX/year>, around midnight Details : 1. Phone Compromise : On the night of XX/XX/year>, my phone service was disrupted. Initially, I assumed it was a network issue. The next morning, I went to my phone provider 's store, received a new XXXX card, and restored my service. However, during the outage, the hacker transferred my phone number to their device, resetting passwords for my accounts, including XXXX, bank accounts, XXXX, credit cards, and XXXX. They even created new accounts, such as XXXX XXXX and XXXX XXXX XXXX, in my name. 

2. Immediate Actions Taken : o Chase Bank : On XX/XX/year>, I immediately visited the local branch and requested them to freeze my accounts. Despite my immediate request, Chase failed to secure my personal account, resulting in unauthorized transfers of approximately {$15000.00}. Repeated attempts to resolve this with Chase 's fraud department and local branch manager, XXXX XXXX, have been futile. The hacker managed to transfer money from my account by receiving verification codes via SMS, which they accessed through my compromised phone. 

XXXX : The hacker executed numerous transactions, sold my investments, and emptied my account. XXXX froze my account after a significant delay but has yet to refund the ~ {$11000.00} lost. They require a statement from my phone provider, XXXX, which refuses to provide any information without a legal notice.
Product: Debt collection

I paid off my student loans to a {$0.00} balance. My issues are that I was never notified the loans were in default and assigned to collections. I also have issues with the monthly statements I paid one month and the very next month showing 60 days late. Please thoroughly review the information reporting in my credit profiles to see the various discrepancies.
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 thi account ( A ). It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX : {$1000.00}
Product: Mortgage

Dear sir onXX/XX/XXXX I applied for a mortgage loan on a short sale for a condo at XXXX XXXX XXXX XXXX XXXX XXXX l the price was XXXX of which I was putting XXXX down. I used Bank of America as I have a XXXX XXXX act. XXXX was directed to XXXX XXXX XXXX at. XXXX XXXX XXXX ex XXXX who after checking my income said I quifled and was directed to loan staff who asked for a ton of paperwork like a year and a month of XXXX XXXX   statements-XXXX income tax papers they wanted me to explain the use of PO box I use 8  years, checks I wrote to a private party for 3 weeks rental in XXXX XXXX. They wanted to contact the owner of a private mobile home park that I rent a site in and said he never call back but did n't give him a ext. # They gave me 5 different loan offercers who ask me for material witch was already sent. XXXX XXXX who l had the most context with made me to believe once she received this or that the loan would be approved. XXXX XXXX led me to believed he was the prospered to close loan XXXX XXXX  who is a superviser # XXXX ex XXXX made me believed she could take care of things. XXXX XXXX to me she. Has e very thing she needed but soon dissapered. XXXX ext XXXX had a short life too. XX/XX/XXXX  XXXX XXXX sent a ciosing statement final figures TBD. On XX/XX/XXXXXXXX XXXX caiisd and  said w e had short sale approval. I had until XX/XX/XXXX to close on this condo. I received a call from XXXX XXXX telling me the area was not in a approved zone for a mortgage from them I believed because of my age XXXX they tried to discorge me after 10 weeks of paperwork they led me to believed approval was coming I stayed in motels wor weeks waiting for approval why would checking to see if condo was in a approved was one of the first things to do was n't done before all this time and expense was XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am impacted by the Equifax data breach. I'm a victim of cyber theft due to Equifax 's negligence and failure to protect my private and person information. Equifax has failed to keep myself and many others informed of the data breach when they learned it had taken place initially. They chose not to react accordingly. This a serious matter and Equifax needs to be held accountable for the breach of my data. The dates of the breach that I was informed of two days ago started back in XXXX XXXX XXXX. The courts have ruled in the favor of us impacted victims and have awarded Equifax to pay us victims what we are owed. I have yet to receive any monies nor did Equifax issue me an apology. I have filed an incident report in regards to the cyber theft that has impacted me, printed out a copy of all my credit reports and have put a security freeze on several companies who have my personal information on file. I have read hours and hours on this Equifax data breach settlement to understand my rights and what I need to submit to Equifax. This is a scary position to be in knowing that folks have access to your private and personal information.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I moved in XXXX XXXX XXXX  XX/XX/XXXX and moved out XX/XX/XXXX. 
My security deposit transmittal is stating I moved out XX/XX/XXXX yet a charge for 2 months rent for insufficient notice- as if I broke the lease. 
No, I did not give a 60 day notice I wouldnt be signing the lease I was unaware being this was my first apartment. 
But there is no where on the lease stating I would be charged 2 months rent for not giving a notice. 
It shows that I would be charged XXXX for not giving a notice. 
By the time I noticed the extreme charge was incorrect it was already on collections and the company now cant do anything about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX : {$25000.00}, XXXX XXXX XXXX XXXX XXXX  : # XXXX XXXX : {$18000.00}, XXXX XXXXXXXX XXXX XXXXXXXX : # XXXX XXXX : {$2500.00}, XXXX XXXXXXXX : # XXXX XXXX : {$200.00}, 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 a 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 reporting

Quite simply, I have nothing but positive information on XXXX of my credit bureau reports ( Transunion ) yet I have a very low rating. I can come up with no reason for this low rating except that this allows any prospective creditor to charge me with the highest fees, interest rates, etc. 

Another credit bureau report, in this case XXXX has XXXX collection item and that XXXX has an even lower rating yet everything else on that XXXX is positive. Unless they 're basing the whole report on XXXX small collection item, then I should have a good rating with them also. 

This is clearly a racket ; these bureaus are in cahoots with creditors or at least their actions benefit only the creditors, certainly not the consumer. Is anything being done about this and can I submit my CBRs to you to use for an example in getting the law changed? These bureaus have way too much power and are clearly taking advantage of it.
Product: Debt collection

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX  XXXX Dear Sir/Madam, I am writing to formally dispute the account : XXXXXXXXCOMENITY/MYPOINTSRWD listed under number : XXXX reported on my credit file with an amount of {$450.00}, as I do not recognize this debt. This account is reported as charged off ; however, I have been receiving multiple collection attempts from vour companv. I am exercising in violation of the Fair Credit Reporting Act ( FCRA ), specifically under Section 1681 ( e ) ( b ). 

I believe this information is incorrect and according to the FCRA, I have the right to dispute any information that I believe to be inaccurate. Under Section 1681 ( e ) ( b ), consumer reporting agencies are required to provide consumers with a notice of their rights, and they must conduct a reasonable investigation of any disputed information. 

I kindly request that you investigate this matter and provide me with written confirmation of the results of your investigation. Additionally, I would appreciate it if you could remove the inaccurate information from my credit report as soon as possible. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Debt collection

American Express has been harassing me through their agent XXXX : my wife and I both lost our jobs due to COvID-19 in XXXX, since then, we havent been able to make our monthly payments to American Express. My minimum monthly payment was {$520.00}. After missing the XXXX payment, they decided that I owe them no less than {$6000.00} as a minimum payment or they would report me 30 days late. I didnt have the {$520.00} to pay them let alone the {$6000.00}. The collection agency they use, has been abusive, they harass me, they contact me before XXXX XXXX and after XXXX XXXX. They are completely unsympathetic to my problem, and they raise their voices at me and threaten to destroy my credit profile. American Express, refuses to contact me directly or speak to me. They refuse to make any payment arrangement for me or offer me any type of deferment. I have never been treated like this by any other credit card company. I have had an account with American Express since 1995. Every other credit card company is working with me in some capacity.I need American Express to come to the table and offer me some sort of payment plan so that I can pay off my debt. I refuse to ever speak to XXXX again and will continue escalating this matter to every possible government regulatory agency of this pattern of abuse does not abate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC 1681, Experian have violated the laws of the FCRA ( Fair Credit Reporting Act ) They is in violation of 15 USC 1681 a.d.2.b, because they are reporting authorizations and approvals of specific extensions of credit directly and indirectly of me the issuer of my credit cards. 

Pursuant to 15 usc 1681a.1, The banking system is dependent upon my consumer report being fair and accurate and Experian is allowing inaccuracies to be furnished on my consumer report and it have caused me to lose confidence in the banking system and as a result I will no longer be extending my credit to anyone, nor will I allow experian to furnish a report on my behalf as a result. 

Pursuant to 15 usc 1681a.2 The FCRA has developed an elaborate mechanism for investigating and evaluating my credits general reputation as a consumer. 

Pursuant to 15 usc 1681a.3, Experian have assumed a vitral role that was not given to them on my behalf, because of they assumption my life have been negatively affected, this has caused me XXXX XXXX XXXX XXXX, XXXX and XXXX, I have been unable to get certain jobs and unable to get a place to live in my name because of their assumptions. 

Pursuant to 15 usc 1681a.4, Experian have failed to exercise their responsibilities of fairness or impartiality, they also practice disrespect to my rights to privacy as a consumer, Additionally, Experian was not apart of any transactions that is alleged on my consumer report and pursuant to 15 usc 1681b Experian are not adopting reasonable procedures. 

Experian have violated 15 usc 1681a.d.2.a.i, by reporting information solely as to transactions and experiences allegedly between me and any person. 

Additionally, Experian have been unfair in reporting the wrong and incorrect information without consulting with me the consumer, they have no proof any transactions took place. 

Experian have also been unfair because they allow alleged transactions to be reported while only hearing one side of the story. 

Additionally, Experian infringed upon my rights to privacy by having a conversation regarding me the consumer with a third party without my consent, and now reporting it to continue ruining my reputation. 

I never gave Experian consent to create a consumer report and generate a XXXX XXXX on my name and social security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/202XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello CFPB, The address that is currently displaying on ALL of my credit reports is WRONG, incorrect and is a potential serious identity fraud risk! 

I'm hoping you can help me with fixing the address that is showing on all of my credit reports. 

My current and correct address is : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX I have lived at this address for over 2 Years, so I don't understand why the information is displaying incorrectly on my credit report. 

I want to assert my legal right for 100 % of the information on my credit report to be fully accurate. I don't know the law or FCRA statute that protects this legal right, But I know it exists. 

I am quite concerned to get this fixed ASAP. 

I have sent multiple letters to the Credit Bureaus requesting they correct my address. 

To date, they have NOT corrected the problem. 

I request that ALL Credit Reporting Agencies, ( including what many people call the sub-bureaus or data furnishers ) to immediately correct my address ... OR ... if they are not able to display my current address correctly due to a limitation of their technology systems... 

... Immediately remove ALL addresses that do not EXACTLY MATCH this one. 

I would rather have NO address listed at ALL on my credit report, than to have the wrong address listed! 

My current and correct address is : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX There is a similar address in the neighborhood that is NOT CORRECT aka XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX, CA XXXX NOT CORRECT. 

I will attach a PDF which includes documents which clearly show my current and correct address : My State Drivers License, Apartment Rental Agreement/ Lease 2 Bank Statements Voter Status Car Insurance I have experienced that computers often auto-populate MY address incorrectly, miss entering the address, aka not including the " XXXX '' in the number, OR the city of XXXX XXXX XXXX My apartment is in XXXX XXXX. 

Please understand that my correct address MUST include " XXXX '' and XXXX XXXX, as listed on my identification documents, otherwise other people receive my personal mail. This could lead to other people stealing my identity. 

Please also remove ANY and ALL Phone Numbers listed on my credit report. 

Please correct these issues Immediately. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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 XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$8800.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Collection ) XXXX Date opened XX/XX/XXXX Balance {$24.00} ; XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Debt collection

XXXX XXXX, XXXX purchased an old debt from the XXXX XXXX XXXX I had requested that the original creditor not phone me by phone because they have a habit of robot calls. I am reaching out to you to communicate to the new collection agency Valentine & Kebartas , LLC that the same shall apply to them. I do not wish for them to communicate with me by email, text, or cell phone. I do not want to be harassed.
Product: Vehicle loan or lease

I was sold a vehicle that stop running and required a lot of maintenance after a few months. When approved I was advise nothing was wrong with the vehicle, also the inspection was up to date. I constantly tried returning the vehicle but no luck. I was advised by Credit Acceptance Corp that if I did a voluntary repo they would have someone come get the vehicle, resell it, and not report it to any credit bureaus. This voluntary repo is being reported to all 3 CRAs and the information being reported in inaccurate. There are also 2 tradelines on my reports for this account and both are reporting different, and inaccurate information. I also disputed, and sent 2 dept validation letters and received no response. It has been passed 30 days and by law this debt must be removed, or addition action will be taken.
Product: Credit reporting

I have disputed the public record and it was deleted due to being wrong and Equifax listed it again with less information before after it was removed. I also have several other account that i disputed errors and they removed them only to add them back without no response in the mail. I called them to get more information on why they did so and they rep told me that they were correct and verified. I asked why didnt i get a letter to let me know the results when they were re added to my report and he stated they dont have to notify anyone once items are reinserted back on your report. Also i inquired about an auto loan that i am not reliable for and i asked if they could send me the contract to verify that i was on the account and he told me to get it from the actual company. I got the contact information from him to contact he company and when i called they informed me that since the account isnt in my name i am only associated with the account holder by residency i could not get paper work on the account sent to me. 
Judgement # XXXX no date, court name or status reported. 
XXXX XXXX # XXXX No response from company reinserted XXXX XXXX # XXXX no response back from credit bureau reinserted XXXX # XXXX the account that i cant get paperwork on because i am not on the account. 
XXXX # XXXX No contact information listed after reinsertion
Product: Credit card

I purchased an approximately {$700.00} bed frame from XXXX on XX/XX/year>. On XX/XX/year> I received it, but it was missing several key pieces needed to complete the assembly and was non functional. I attempted to work with XXXX for about two weeks to get a refund, return, or the missing pieces but XXXX refused. As such, I disposed of the bedframe and opened a dispute through mastercard. I was never told that I would need to keep the merchandise. 

XXXX only reached out to me once they received notification of the dispute in late XXXX, several months after the purchase. They did offer a return at this time, but again this was months later and I no longer had the bed frame. Mastercard never told me I would need to keep it and I can not reasonably be expected to keep a broken kingsized bedframe around for 3+ months after the merchant refused a return. 

Mastercard has not reversed the charge despite me receiving nonfunctional merchandise and the merchant not fixing it.