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

This is my six request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inaccurate items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XX/XX/year>. Since then, the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have 26 Hard inquiries that Im not aware of
Product: Mortgage

On XXXX XXXX, 2015, XXXX, a representative from Seterus in the XXXX office, my mortgage servicer, called me and told me by phone that my current interest rate of 2.5 % was being locked in for the life of the loan. This is what I had been asking for since I informed Seterus that I would not be able to make the payments due to excessive medical expenses for myself and my wife. Myself and my wife are senior citizens on a fixed income and I had been calling and sending letters consistently for the past six plus months trying to make a payment arrangement with Seterus. After speaking with XXXX and knowing that Seterus does not often send written confirmation, I myself sent a letter to XXXX XXXX ( the loss mitigation representative I had previously been communicating with ) in the XXXX XXXX office to document our conversation, to thank her, and confirming the payment amount. About one week later, I received another call from XXXX ( did not identify themself ) confirming the payment arrangement. I was then told that written confirmation would come with my XX/XX/XXXX payment coupon. This was incorrect in as much as the XX/XX/XXXX coupon showed the increase in interest rate. In speaking with XXXX XXXX, one of the supervisors at the XXXX office, he claims that I did not complete my paperwork and that everything was put on hold. I did not complete the paperwork because I was told I was approved and l locked in for the interest rate. I was not informed that I had to turn in any additional paperwork when I was verbally informed of the locked in interest rate of 2.5 %. XXXX told me that because I did not submit the paperwork that the fixed interest rate was canceled. He told me to turn in the financial documents and send them to XXXX office which I am doing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Child is XXXX XXXX XXXX my child support payments have never went delinquent in fact it is paid current up to date the payments that are being made right now is interest only not late fees and is invalid reporting to credit bureaus I have called and written letters for over 4 yrs to get this account removed off my credit ; because payments have always been current and onetime also because there were no services or contracted services nor product to have this account appaering on my credit report. Was made aware that new child support law from XX/XX/2017 enforces bureaus to remove child support from being reported to credit bureaus. Also the Federal Tax Lien is not my debt its reporting on wrong credit file, showing paid so why would it be reported so all information is invalid the account, account type, date, amount and mismatch personal information for this is not my account. As far as collection account I have not received medical treatment from company that has recently posted on my credit report : XXXX XXXX spoke with company trying to see how they got my information the information in their system does not match me.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX have noticed some accounts on my credit report I have listed supporting documentation below. These are the accounts that need immediate removal Pa XXXX XXXX XXXX XXXX XXXX Pa XXXX XXXX XXXX XXXX XXXX Pa XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : This letter is a follow up to my original letter dated XX/XX/XXXX regarding an inaccuracy in your credit reporting. Specifically as it relates to unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union Corp., XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau XXXX : Attorney General 's Office Cc : Better Business Bureau
Product: Debt collection

This debt has been showing up on my credit report for few years now. I talked to someone representing this company ( XXXX ) few years ago and even had everything clarified. But, I believe 2 years ago maybe, the innacurate information showed up on my credit report again. If I remember correctly, it was a computer wich was paid for with a personal check with my name printed on it. After 4 days it was returned with receipt. But we did n't get a refund at that time. We were told that we would have to wait another week because it was paid by check allegedely, so the check had to clear with their bank to get a back. So XXXX got their product back and decided to report us for years as thiefes? In fact i think maybe they owe us close to {$700.00}. I am a XXXX XXXX and I have been discriminated because I cant run around or call all day to find out what happend.. I think XXXX of their own employees stole my refund,
Product: Credit reporting, credit repair services, or other personal consumer reports

YOU VIOLATED THE UNITED STATES CODE LAW I REQUEST A REMOVAL OF UNAUTHORIZED INQUIRY 15 U.S Code 1681a ( 4 ) Consumer Right to Privacy You are reporting fraudulent accounts that arent actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.

FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. YOU ARE IN VIOLATION!!!

15 USC 1681n Civil liability for willful noncompliance you willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this. Willful compliance is punishable up to {$1000.00} per violation. 
18 U.S. CODE 1028A-Aggravated identity theft you shared my information with numerous creditors without getting my consent first. You are criminally liable for aggravated identity theft which is punishable for up to 2 years. 15 U.S. CODE 6802 ( b ) 1 ( a ) ( b ) ( c ) - Obligations concerning disclosures of personal information DID NOT DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY DECEPTIVE OF YOU!! You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

BBT received payoff for HELOC on XX/XX/XXXX from refinance settlement agent but had not yet been credited. In a conversation with customer service line on that day ( XXXX ) since my payment due date was XX/XX/XXXX they suggested making a payment to avoid late fees and I did so via online transfer to loan account. On XXXX customer service said payment on XXXX was still being processed and any overage payment would take 10 days for a mailed check from BBT. 

My complaint : I have multiple accounts with bbt and any overage should be repaid via account transfer and not a mailed check taking 10 business days.
Product: Checking or savings account

On XX/XX/XXXX, I tried to buy XXXX XXXX tickets. The Seller was charging {$350.00} per ticket and I was planning to buy 3 tickets so a total of {$1000.00}. The Seller requested payment through XXXX. Prior to sending the money, I called US Bank to ask if I was covered by my bank in case this ended up being a scam. I did my due diligence by looking into the person and asking specific questions and felt like it was legit. The customer service rep at US Bank told me that I would be covered if it was a scam and all I needed to do was to call back and dispute the charge on my checking account and a claim would be opened. Unfortunately, it ended up being a scam so I called US Bank and immediately disputed the charge and opened the claim. I was told that is would take 7-10 business days to hear a decision and if it was approved then it could take 45 days to get the money back. I asked what the likelihood of this being approved given the situation and was told it was very likely as I was clearly scammed. On XX/XX/XXXX, I received a letter from US Bank telling me my claim was denied. On this letter there was no reason for denial and it says I can call US Bank and request an documents used in the investigation. I called US Bank and asked what was going on, the rep pulled up the claim and could not find any reason on her end or any documents used. The rep told me that she would reach out the claims rep and when she heard back she would call me. She never called me back. On XX/XX/XXXX, I called US Bank again to see what is going on with this claim. That rep asked if the letter gave a reason for the denial and I said no. They put me on hold to find out what was going on. When they returned all they said was it was denied and I could call the police and file a civil suit if I wanted to. When I asked, why I was told otherwise back on XX/XX/XXXX, I was not given an answer. I requested all of the documents that were used in the investigation to be mailed to me. I was lied to on multiple occasions by US Bank and how they handle this situation makes it hard to trust them. Their employees agree with me and understood my frustration and thought it was not fair as I was told on the phone.
Product: Credit reporting or other personal consumer reports

I am writing in response to a recent notice I received regarding a collection account associated with my name. Upon reviewing the information provided, I have reason to believe that there has been an error in the reporting of this account.
Product: Credit card or prepaid card

In XXXX I had charges on my credit card with Wells Fargo, I did not realize until XXXX, on XXXX I called the company Wells Fargo to report it and ask to stop the payment since this is a fraud. 
in the XXXX statement the charges wells Fargo appear again did nothing for my protection on XXXX they open a case # XXXX I send a letter to the XXXX XXXX XXXX call me to informe they working on that the problem when I report on XXXX The Bank no do Nothing to protect my account now my balance is close to XXXX for all this charges
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, is the result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since Equifax security has been breached by an unknown Hacker or Hackers, it would appear that my personal and financial information is in jeopardy. In an effort to secure and protect my identity, I have attempted to put a Security freeze with Equifax on the financial information of myself and my spouse. I have attempted numerous times to enroll online with Equifax. Each attempt has been rejected by Equifax. I have attempted to call Equifax ( XXXX ) and have been rerouted to a telephone number that does not pick up. I was able to enroll with XXXX and XXXX for a Security freeze without any problem. It would appear that Equifax has failed to securely safe guard my and others personal and financial information and further engages in a deceptive manner while I attempt to place a Security freeze on my and my spouses personal and financial information. I have lost all trust in Equifax and would ask that an investigation be conducted regarding the business practices of Equifax.
Product: Credit reporting

I originally mailed my dispute letter to Experian on XXXX XXXX, 2015 and then followed up wit a second letter on XXXX XXXX, 2015 and till this date i have not heard back from them.
Product: Credit reporting or other personal consumer reports

I have not been able to get an accurate credit report since XX/XX/year>. The Credit Bureaus Equifax and XXXX are unable to give me accurate reporting or my annual report after request. No access online anywhere on any site. 
I am part of the data XXXX, Equifax and XXXX data breach. I am a victim of identity theft. 
I am promised accuracy in my credit `report based on federal law I am writing again as another attempt to have these errors corrected on my consumer report under 15 USC 1681, 15 USC 1681d all unverified information must be promptly removed as you can see in your system that you can not verify this information and except validate it so I request that you remove it now.

I am promised accuracy in my credit `report based on federal law I am writing as another attempt to have these errors corrected on my consumer report under 15 USC 1681, 15 USC 1681d all unverified information must be promptly removed as you can see in your system that you can not verify this information and validate it so I request that you remove it now. 
plus all XXXX inquiries except for the recent XXXX XXXX inquiry
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 has violated my rights. 
- XXXX XXXX XXXX  # XXXX has violated my rights. 
- XXXX XXXX  XXXX XXXX has violated my rights. 
- XXXX XXXX XXXXXXXX # XXXX has violated my rights. 
- XXXX XXXX XXXX XXXX # XXXX has violated my rights. 
- XXXX XXXX XXXX # XXXX has violated my rights. 
- XXXX XXXX XXXX # XXXX has violated my rights. 
- XXXX XXXX # XXXX has violated my rights. 
- 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 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 or other personal consumer reports

FTC Report Number : XXXX : XXXX, Experian, XXXX is reporting Fraudulent addresses that aren't my current address when I called all three agencies I was declined to remove the address after submitting my Identification by mail they still refuse to update my address. I never lived at these address : XXXX XXXX XXXX XXXX XXXX, XXXX, UT XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX, I have inquires on my credit report that were unauthorized on my credit report : Report number XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX are reporting Fraudulent Bankruptcies on my Credit Report as well REFERENCE NUMBER XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX UNDER Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 I'm a victim of identity theft!
Product: Debt collection

O n XX/XX/XXXX  I was served a summons for a medical debt with multiple accounts dating back to  XX/XX/XXXX . I li ve in Mississippi, which is also where the debt was incurred. The statue of limitations is 3 years in Mississipp i, Medical debt is exclud ed however only when due to a government entity  ( ie-county hospital ). This debt is from a privately owned   XXXX   XXXX   XXXX   and was assigned to a   collections agency at 60 days. The judgment issued is for  XXXX  different  XXXX , which they rolled into   XXXX .  I attended the court hearing and brought up the statue of limitation and also questioned debt collector on the agreements for the debt, which they did not have. The judge allowed a continuance for the debtor and I will have to attend court again o n XX/XX/XXXX . The ju dge said medical debt is not subject to the statue of limitations, however I have also attached a letter from the attorney general which provides proof that this debt is invalid. I would like to file a FDCPA complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account number XXXX 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 with my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

UPDATE CREDIT REPORT WITH CURRENT ACCURATE INFORMATION
Product: Checking or savings account

On today 's date XXXX the XXXX XXXX I put in a complaint with Chase Bank concerning 4 transactions that was going to the company XXXX that never were processed, I was on hold on the phone for 35 minutes, and she asked me two questions about some pending transactions that never processed by XXXX and while I was answering her question she hung up the phone.
Product: Checking or savings account

I XXXX XXXX a XXXX  citizen opened a. Capital one. 360 CD 5 year CD account this past XX/XX/2022 with a 2.40 APY interest rate which was good at the time of opening Know with the federal. Reserve raising the interest rate Capital one is know offering 4.00 and higher rates for a 1 year CD therefore I called a few times kindly asked capital one management if they could please Honor there new much higher rate of % XXXX APY applying the rate to my locked in 5 year CD explained this past XXXX I I had XXXX XXXX  XXXX  to remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  From USC in which I can supply if requested but they denied raiding my rate. 

I feal this is wrong I am being denied capital ones high % 4.00 APY rate I deposited XXXX XXXX I feal this is unfair capital one is not giving me this rate. 
I have high Medicall bills including a monthly XXXX XXXX XXXX XXXX of {$550.00} I pay as a Individuall I do not have a supplemental health insurence I do not qualify for Medicare I am paying double monthly health insurence premium compared to thousands of. People paying far less with there. Employers group policy. 

I am asking the consumer Finantial protection bureau to please adress if this unfair Rate increase I am asking for applied to my cd account which is offered to. Thousands of capital one  bank denied to. Myself XXXX XXXX  email 1 XXXX phone XXXX Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against [ name of the credit bureau ] due to the unresolved status of previous disputes regarding unauthorized inquiries on my credit report. I have submitted formal disputes on XXXX separate occasions ( [ date of the first dispute ], [ date of the second dispute ], [ date of the third dispute ] ), but I have not received an adequate resolution. I believe the actions ( or inactions ) of the credit bureau constitute violations of the Fair Credit Reporting Act ( FCRA ). 

Disputed Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX CO XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX XXXX CO XXXX