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

XX/XX/XXXX : Received confirmation of loan relief from class action settlement. 
XX/XX/XXXX : Notified Experian of this and disputed account based on inaccurate credit report. 
XXXX : Denied dispute. Experian began claiming that my dispute was based on 'identify theft '. Called and mailed Experian to clarify that this was not an issue related to this dispute. Experian confirmed that they would update my case on several occasions and never did. 
XXXX : Continued mail and phone correspondence to try and fix the information on the inaccurate dispute. Experian continued to say they would fix the info. and never did. Contacted XXXX XXXX, as directed by Experian to try and fix the issue. XXXX XXXX stated that I must contact Experian, because Experian was the one who inputted the information. 
XXXX : Mailed Experian one last time to attempt to get resolution. Mailed me back with continued inaccurate data and reporting information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX : XXXX, XXXX XXXX XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXXXXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.
Product: Mortgage

Requested Escrow Cancellation due to LTV of less than 80 percent. Its been 30 days and nothing has been done
Product: Credit card or prepaid card

Its Best Buy credit card XXXX interest rate for 18 months ends So got new billing on XXXX Original bal. left was {$160.00}. New statement the bal. increased by almost 3 times of previous bal. With a XXXX % interest rate plus a fee charge of {$6.00} on new billing. Was expecting interest rate increase but not this high. Total amount on best buy due as of XXXX is now {$340.00}. Its ridiculous and outrageous cause financial harm. That's the gist of it. Okay then thank you verry much regarding this matter. 
Best Regards Cordially Best Buy XXXX Best Buy Credit Services XXXX XXXX XXXX XXXX XXXX, MO. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was 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 are not relating to any transaction by the consumer. 
XXXX XXXX ; XXXX XXXX ; XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX  XXXX Balance : {$6200.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Reference # XXXX Date XXXX  : XX/XX/XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three bureau have not updated my credit report regarding my credit history with XXXX XXXX for more than 10 year of establish credit history. 

Equifax has not investigated Mister XXXX 's medical bill that is in collection which was paid for by Medicare and Medicaid. 

Equifax has not removed the bankruptcy from mr. XXXX credit report after investigation show that the case is closed and dismiss. 

All three credit bureaus as nodt conducted investigations regarding all inquiries on all three credit reports. 

On XX/XX/XXXX my student loan that what's paid in full nevertheless none of the three credit report has my accounts il paid in full required by the law. 

On XX/XX/XXXX all three credit bureaus delete it my student loan credit history after making a payment and XX/XX/XXXX. 
All three credit bureaus has refused to conduct any investigation from XX/XX/XXXX to XX/XX/XXXX regarding student loan debt collection items and establish credit history There is no supporting facts to support that any investigation has been conducted.

All three credit bureaus has refused to conduct investigation from XX/XX/XXXX to XX/XX/XXXX under the fcra I am totally XXXX a limited on resources it has established my credit history why working with various difference institutions dividing my student loan debt nevertheless all three barrels are refusing to report accurate information from the department of education and XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter to remove that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Account number XXXX with XXXX XXXX XXXX XXXX is reporting as a charge-off on my consumer report. Per the 2021 IRS publication, any cancellation of debt over {$600.00} must be reported as gross income gained in the year that the event occurred. Income should not be reported on a consumer report. I have yet to be sent a 1099-C form for the cancellation of the debt. Delete this account from reports immediately as it is no longer considered debt, it is considered income.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, your company has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

You have violated my rights : 15 USC 6801 ( a ) : States I have protection of nonpublic personal information.

15 USC 1681 ( a ) ( 4 ) : States I have the right to privacy.

15 USC 1681b ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 USC 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. 

Due to your character defamation, privacy violation, identity theft, identity fraud, deceptive and unfair trade. The request to block information is based on factual misrepresentation and not on material misrepresentation. The identified transactions are not information related to any transactions by me as the consumer. Delete Entire Account Due to Confirmed Fraud, Delete Account from Bureau Due to Fraud, Have Been Confirmed as Fraudulent Item Blocked for Inaccurate, Incomplete, or Can not be Verified by Negligently Violated 15 USC 1681 ( a ) ( 2 ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681a ( e ), 15 USC 1681b, 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681c-1, 15 USC 1681c-2 , 15 USC 1681e ( b ), 15 USC 1681g ( 2 ) ( E ), 15 USC 1681i ( a ), 15 USC 1681i ( a ) ( 5 ), 15 USC 1681n ( a ), 15 USC 1681o ( a ), 15 USC 1681s-2 ( a ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1666B, 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 6801 ( a ), and 15 USC 6802. 

I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date.
Product: Checking or savings account

For the past nearly 10 years, every 2-3 years or so, some nameless, faceless, individual ( s ) located deep within the underwriting/risk department of one of the major banks where I have my XXXX XXXX bank accounts abruptly and without warning, closes my accounts completely, and then have completely banned/blocked me from banking there in the future, ever again. They always state that due to some such and such reason and because they simply can, they just do. This has led to untold misery, instability, chaos, disruption, and untold damages to my XXXX XXXX XXXX, my family, and my children. After my own investigations, it has always involved someone with an axe to grind against me, a very secretive and clandestine individual ( s ) with a great deal of power, who takes pleasure in pulling out the rug from under me, possibly a XXXX or a XXXX person, or someone else who does not like me for political reasons. This has now happened at the following banks, in recent succession, from last to the first, according to my best recollection and memory ( which may be flawed ). Please urgently investigate and advise, as this has got to be unethical, if not illegal : ( 1 ) CitiBank ; ( 2 ) XXXX ; ( 3 ) XXXX XXXX ; ( 4 ) XXXX XXXX XXXXXXXX ; ( 5 ) XXXX XXXX XXXX XXXX  ; possibly others. This last time, at CitiBank, right after they approved a mortgage for our new house, they not only cancelled/closed my XXXX XXXX bank account which I have had for a little over 2 years, but also my little baby XXXX starting bank account ( hes only XXXX years old ) and my new XXXX wife XXXX bank account as she just got her social security number and work authorization card. In short, my entire family ( even my little baby son ) is getting harassed, punished, XXXX and attacked just for being my wife and child. This is unacceptable, and needs to be investigated urgently and immediately. This is especially strange since I know many people, law firm and business owners who have had the same bank account for 10, 20, 30 even 50 years, without this type of harassment. Please urgently investigate and advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$270.00} XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3800.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3800.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$270.00} XXXX XXXX Balance : {$190.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is related to charge off and due balance on my account with XXXX XXXX XXXX XXXX   Which still indicates a balance and then charge off but it was miscommunication on late fees which was never supposed to be applied They realized error and promise that they will correct it. But this is still showing up on my credit report. This is showing as a negative item and adversely affecting my credit rating. 

This has been shown negatively by all the three credit bureaus including XXXXTransunion.
Product: Credit reporting or other personal consumer reports

I do not have a contract with AMSHER Collection Services and do not owe the alleged {$330.00}. I demand a validation of debt as well as well as proof of permissible purpose, I never gave them written permission or any consent to report anything on my consumer report. No consent is fraud 15 USC 1681b. I am not participating in the collection of this debt therefore they are furnishing deceptive forms, Cease And Desist immediately, 15 US Code 1692j. Please remove this account immediately. Thank you
Product: Mortgage

Over the last 20 years that I have had my mortgage with Wells Fargo, I have had them purchase insurance " on my behalf '' on multiple occasions, despite the fact I provided proof of insurance. For the record, the property in question is a condo and I could not allow insurance to lapse if I wanted. 

After I catch the error on Wells Fargo 's part, make a stink, spend hours of my dealing with their insurance department, they reverse the charge but it is only after I have lost a great deal of time battling with them. This XXXX after my insurance company and I both sent the required information and received verification from Wells Fargo that the information had been received, they again purchased a {$1200.00} insurance policy that duplicates the coverage I already have in place. If I had to guess, I would say this is the 5th or 6th time I have had to deal with this. According to my insurance agent, this happens all the time. I would appreciate it if the CFPB would get involved and advocate on behalf of those of us who have been cheated by Wells Fargo.
Product: Credit reporting or other personal consumer reports

I am a victim of multiple data breaches, and some items on the three credit reporting agencies are inaccurate.
Product: Credit card or prepaid card

WHen i apply and got the credit card from Commenity Bank in XX/XX/XXXX, the offer was if I spend {$500.00}, they will give me {$100.00} back. I use the card spent XXXX XXXXXXXX in the first month, and paid off the balance on time. Now is XX/XX/XXXX, They still have not gave me the {$100.00} bonus. They are claiming need time to investigate.
Product: Debt collection

I've asked First Collection Services XXXX XXXX to remove this account. I have paid the amount directly to the original creditor. I have received the run around. This is pulling down my XXXX XXXX. I've attached the paid documents.
Product: Credit reporting

XXXX is reporting to Experian that I have a balance, when the mortgage was paid in full in XXXX of 2016. I have disputed sevaral times and Experian is saying that the balance is being verified, but that can not be possible. I have sent them a lot of supporting documentation, including a letter from XXXX thanking me for paying my mortgage in full and a copy of the bank check used to pay off the mortgage. The item has been removed from XXXX and XXXX, but I can not get Experian to update or remove.
Product: Debt collection

My bank account was garnished on XX/XX/2015. I was never served for a summons or complaint of the debt. I looked up on XXXX and discovered that they state that I was served. I spoke to a representative named XXXX at XXXX XXXX XXXX XXXX and offered to settle the account for {$1200.00} even though I dispute the account. I notified them of the improper service and they could n't do anything to help find a reasonable resolution to my complaint of improper service and my dispute with the fees and interest. They gave me a counter offer of XXXX on a balance that they state I owe of {$6400.00}. I am unable to do that amount. My financial situation will not allow for it. I am a single parent of XXXX children. And I am barely living paycheck to paycheck. I have also notified them to not contact me by telephone and to cease and desist calling me. At this time since they have not investigated the improper service they are causing me undue hardship by garnishing my bank account and refusing to come to a reasonable resolution. I am in fear that they will garnish my paycheck next. And because of my low income I will have another hardship if I have to hire an attorney to file motions to quash the judgement for improper service or risk representing myself. I believe it is unfair and deceptive for them to use improper service to obtain default judgements and I would like your help to resolve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up 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 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 : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00XXXX XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies in my credit report related to the account listed as XXXX ( Account # XXXX ). Upon reviewing my credit report, I have identified discrepancies in the reporting of this account by XXXX, XXXX, and Equifax. These inaccuracies are in violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all information on my credit report must be accurate, complete, and verifiable. 

Below are the specific discrepancies I have identified : XXXX. High Balance Discrepancy : XXXX and XXXX report the high balance as {$7400.00}, while Equifax lists it as {$6100.00}. Please verify and correct the accurate high balance for this account across all reporting bureaus. 
XXXX. Last Activity Date : XXXX lists the last activity date as XX/XX/XXXX, while Equifax reports it as XX/XX/XXXX. XXXX does not include a last activity date at all. I request verification and correction of the accurate last activity date for this account. 
XXXX. Resolution Remarks : XXXX indicates payment after charge-off/collection purchased by another lender, while Equifax states, account XXXX or sold ; paid charge-off. These conflicting remarks suggest reporting errors, which must be clarified and updated with consistent, accurate information. 
XXXX. Last Payment Date : XXXX reports a last payment date of XX/XX/XXXX, Equifax reports XX/XX/XXXX, and XXXX provides no last payment date. This inconsistency must be reviewed, and the correct last payment date should be uniformly reported. 
XXXX. Payment History Reporting : XXXX and XXXX provide no two-year payment history, while Equifax shows inconsistent statuses ( e.g., delinquent vs. OK ). This irregularity must be resolved to ensure an accurate record of the accounts payment history. 
XXXX. Account Classification : XXXX lists the account as Auto Dealers, Used, while Equifax categorizes it as Auto Financing. These conflicting classifications must be reviewed and corrected. 

I request that you investigate the discrepancies listed above and provide me with a corrected credit report. Additionally, please supply me with documentation verifying the accuracy of the information currently being reported or remove any unverifiable information from my credit file in compliance with the FCRA. 

Thank you for your attention to this matter. I look forward to your prompt response. Please complete your investigation and provide me with the results within 30 days, as required by the FCRA. 

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

I am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion credit report. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX XXXX and XXXX XXXX XXXX XXXX for violating Section 615 ( f ) of the Fair Credit Reporting Act ( FCRA ), which explicitly prohibits the sale or transfer of a debt that results from identity theft once the creditor or debt collector is notified of the fraud. On XX/XX/XXXX, I notified XXXX XXXX  and its servicer, Alliant Credit Union, that the debt associated with Loan ID XXXX was fraudulent and the result of identity theft. I provided all required documentation, including [ state whether you sent a police report, FTC identity theft affidavit, or other supporting documents ]. Despite being informed, XXXX XXXX transferred and sold this debt to XXXX XXXX XXXX XXXX on XX/XX/XXXX, with a balance of {$16000.00}. This sale directly violates Section 615 ( f ) of the FCRA and has further impacted me by potentially damaging my credit report and subjecting me to harassment by XXXX XXXX XXXX XXXX for a debt I do not owe. Thank you for your attention to this matter. Complainant Information : Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, PA XXXX Email : XXXX XXXX