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

This is my first 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I have diligently followed all necessary procedures in disputing these accounts. I've contacted the bank, which assured me the issue was resolved. I've also reported the matter to law enforcement and provided a report and affidavit, which they confirmed as valid. Additionally, I've engaged with Experian, who complied with legal requirements and removed the accounts. However, Experian is presenting obstacles, claiming I haven't completed all the necessary steps.

Despite the legal leniency towards banks and credit reporting agencies, I'm hesitant to pursue a lawsuit. I have repeatedly submitted my claim to Experian over the past six months, yet I remain stuck. Each time, I receive a dismissive response alleging that the documents I've provided are inadequate. I urge the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate this case, as it appears Experian is failing to fulfill its legal obligation to process the identity theft report. 

I want to emphasize that I have reported the identity theft to a law enforcement agency, specifically Identitytheft.gov, a federal entity. I seek a resolution to this matter that adheres to proper procedures. The distress caused by this identity theft, coupled with the inability to access my credit, is severely impacting both my personal and professional life. I am overwhelmed and feel like I'm losing control. Please handle this matter with urgency. 


XXXX 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 or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX has violated my rights 15 U. S. C 1681 section 602 A States I have the right to privacy.

15 U. S. C 1681 Section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

notice to principle notice to principle is notice to agent the XXXX Credit company aren't furnishing and accurate and incorrect information to the consumer reporting agency The recording of subject inaccurate information has caused severe damage to my character or reputation my general mode of living and my ability to optain credit personal and house hold purposes. 
you and your inaccurate reporting have damaged my liveylihood. 15 USC 1681 they also stated that they could not dispute my five derogatory accounts on my credit and they said they do not dispute the ( 45 ) hard inquiries on my account I have sent countless certified letters so I have reported them to the CFPB the federal trade and the XXXX I would like for monetary compensation since they are a violation due to the fair credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to you disputing these items as erroneous and fraud on XX/XX/2021 and mailed them. I received notice in the mail that you received the dispute letter. It is now XX/XX/2021 and I have not received a response from you. You have not complied with the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ),
Product: Checking or savings account

I opened a chime account only because I was was forced or instructed to do so I was scared to say no and instead of asking for help I flowed along. This is clearly wrong a d now I see y. It started out with love communication on social media to draw me in. That was just one their tactics and it worked. Then they asked for XXXX XXXX having been down then road I had refused to give so e. Then then sent me XXXX pics asking me to set up a chime to start and hold a big inheritance. For they used there terms us. Keep in mind werre complete strangers not sure what there motive is
Product: Debt collection

IQ Data International wrongfully put a revolving collection of what is now {$520.00} on my report. After many failed attempts at civil communication and verification of debt that resulted in being yelled at by representatives, refused services, and hung up on between the months of XX/XX/year> - XX/XX/year> ; I sent out an Objection to Collection/ Debt Validation Letter on XX/XX/year> to no avail. IQ Data International has not sent an itemized receipt and has illegally violated the Fair Debt Collection Practices Act by knowingly placing an inaccurate debt on my credit report and refusing to remove it based on evidence provided. When I attempted to contact them again on XX/XX/year> to follow up on the fax that was sent - both representatives proceeded to hang up after I mentioned the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. IQ Data International is knowingly engaging in illegal activity by purposely blocking communication regarding an incorrect mark on my credit report.
Product: Debt collection

Hello, i have this problem with ( receivable solution ) collection agency they have a bill for my wife ( XXXX XXXX XXXX ), they claiming that the amount is XXXX , however her insurance ( medicare ) said and confirmed with a fax that she is only responsible for XXXX , now this company has to correct the mentioned amount and then we gon na pay it because simply someone is incorrect and till now the insurance was able to prove that the collection agency is wrong so i am just asking to fix the amount to meet the insurance amount and we gon na pay it, otherwise i gon na take the case to the court to settle it down .. thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$5900.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6400.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$49000.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$47000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

have reached out to Experian on several occasions asking them to supply me with the 3rd party information they are using to 'validate ' an account with XXXX XXXX XXXX XXXX XXXX they are reporting on my credit file. They have supplied false information on each occasion. I have asked that they remove the information due to them not reporting correctly and also supply the correct information to me. Experian has misled and deceitfully reported information that they have not properly investigated. They have also refused to supply information regarding their investigative process or name the 3rd party that they are using. They have also failed to supply me with document level contract to support the owner of the reported account. I have asked several times for this information to shown and supplied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several misspelling and inaccurate information on my report incorrect balance amounts. And unknown addresses. Several companies are reporting inaccurate balances. 
XXXX XXXX inaccurate balances XXXX  XXXX bank XXXX reporting inaccurate balances XXXX XXXX  My address need to be removed because they are inaccurate or inverted by the numeric portion of the address I would like to dispute this information because by law you are required to report accurate information. The compaines have reported inaccurate information and its preventing me from having a place to live
Product: Credit reporting or other personal consumer reports

Re : Follow-up Complaint Regarding Equifax 's Failure to Block Fraudulent Information Previous CFPB Case # : XXXX To Whom It May Concern : I am filing this follow-up complaint against Equifax for their continued failure to comply with the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ) regarding a fraudulent XXXX account ( Account # XXXX ) on my credit report. 
Facts : I have previously submitted all required documentation to establish this as identity theft : Police report FTC Identity Theft Affidavit Proof of my actual identity I filed a previous CFPB complaint ( Case # XXXX ) regarding this issue Equifax 's response failed to address the blocking requirement under FCRA 605B The fraudulent account continues to appear on my credit report Bridgecrest themselves refuse to provide information about the account, citing my identity theft report Legal Basis : Under FCRA 605B ( 15 U.S.C. 1681c-2 ), credit reporting agencies must block the reporting of information identified by a consumer as resulting from identity theft within four business days of : Receipt of proper identification from the consumer A copy of an identity theft report Identification of the fraudulent information A statement by the consumer that the information is not from transactions they made I have fulfilled all these requirements, yet Equifax has failed to implement the required block. 
Equifax 's response to my previous complaint ( " WE SHOW THAT YOU HAVE PREVIOUSLY DISPUTED THE SAME ITEM '' ) demonstrates a fundamental misunderstanding of their obligations under 605B. The blocking requirement for identity theft is separate and distinct from the standard dispute process under 611. The courts have consistently held that credit reporting agencies must treat identity theft block requests differently from standard accuracy disputes ( see FTC v. Credit Bureau Center , LLC, 937 F.3d 764 ( 7th Cir. 2019 ) ). 
Requested Resolution : Immediate blocking of all information related to the fraudulent XXXX  account ( Account # XXXX ) as required by FCRA 605B Written confirmation of the blocking action taken Distribution of corrected reports to all entities that have received my credit report in the last six months I reserve all rights under the FCRA and other applicable laws. Please ensure this complaint receives proper attention as a 605B blocking request rather than a standard dispute.
Product: Mortgage

I paid my XX/XX/year> mortgage payment within the grace period on XX/XX/year>, but Newrez LLC dba Shellpoint Mortgage Servicing ( f/k/a Specialized Loan Servicing LLC XXXX XXXX ID XXXX ) charged me a late fee, because they said since the payment was made on a weekend, they did not process the payment until the next business day.
Product: Credit reporting

I contacted the company listed in this dispute about an unauthorized inquiries reflected on my credit reports. I advised that the credit inquiry by their company is damaging my credit rating. I requested full documentation and supporting information regarding the circumstances resulting in the review and placement of either a hard/soft inquiry on either my XXXX, XXXX, and/or XXXX credit file showing pursuant to the permissible purpose provisions of the Fair Credit Reporting Act. Since I did not authorized the review of my credit file by this company, I kindly requested the inquiry be removed. However, the company has not granted my request nor provided any supporting information resulting in permission and/or granted permission by me, the consumer, to have my credit file reviewed. Please view the company 's response. 
Therefore, I am seeking your assistance in this matter.
Product: Debt collection

Mail was delivered to my home on XX/XX/20, stating a debt collection attempt for The XXXX XXXX from Jefferson Capital The debt was for XXXX, I called The XXXX XXXX and was told there was no account or record of enrollment information with the school in my name. I found The XXXX XXXX website online to call them, and then called Jefferson Capital, the same day, ( XXXX ) to inform them that I never attended The XXXX XXXX or had any accounts or enrollment with them, and verified that fact by calling The XXXX XXXX and speaking to one of the employees there. 

l have received a second letter from Jefferson Capital on XX/XX/20, requesting for me to complete a ID Theft Affirmation document requesting my Personal Identifiable Information in a dispute statement document or forward a copy of my dispute to them. I have now filed a complaint with the CFPB to to have Jefferson contact The XXXX XXXX and cease their collection attempts against m XXXX XXXX, and prior to Jefferson Capital 's mail on XX/XX/20 never spoken to these companies. I had informed Jefferson Capital of my intent to file a complaint with the FTC. And this would be that complaint.
Product: Checking or savings account

I made a one time payment of {$100.00} using my debit card and thereafter the merchant processed two additional charges without my authorization. 

This caused two of my Capital One Accounts to become overdrawn. 

I disputed the charges with Capital One and phoned the merchant. The manager apologized, asked what card I wanted on file and debited the charges against my XXXX Credit Card Account. Additionally, as a goodwill gesture the manager issued an additional credit ( lifetime bucks ) to my merchant account. 

Today Capital One advised that my dispute was denied and that they would be debiting my account on XX/XX/19 for the charges. I phone Capital One and advised that I spoke with the company and provided the details of what occurred and that by debiting my Capital One account they would have paid the merchant twice. 

It is my belief that Capital One is not being thorough in its investigation and trying to make me perform their job.
Product: Money transfer, virtual currency, or money service

I made an appointment at a Citi branch ( XXXX XXXX & XXXX XXXX XXXX XXXX  ) a couple of weeks ago ( approx XXXX XXXX ). I mentioned in the notes it would concern a transfer from TreasuryDirect.gov, and the Form FS 5511. At the meeting, we opened a savings account, and subsequently I opened a brokerage. As far as I can tell from XXXX, either account would be fine to receive securities or fair value of them. Although we were unable to effect the transfer at the meeting, I got the impression from their folks that it would be possible online or subsequent. No one at that branch had a Medallion stamp, which the Form FS 5511 requires. 

With help of the financial advisor there, I set up an appointment with XXXX at a different branch ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) who may be the branch manager there and has the medallion stamp. This appointment was for noon XXXX XXXX. I did not get her card nor last name. XXXX was unprepared, rude, and dishonest. She requested " statements '' from my individual XXXX account ; I showed her on the XXXX site, it does not produce statements for individual accounts. ( She lied and said she had processed statements from an individual 's XXXX account prior. ) I provided PDFs of every page from my account, with all my securities ' purchase dates and par amounts and everything which the Form FS 5511 requires. According to XXXX 's website, these are the only thing available and take the place of statements. XXXX wasted my time, dismissed these and refused to proceed.
Product: Credit card or prepaid card

I received an email from Wells Fargo saying that a credit card I did not order had been shipped to an address I didnt recognize. I was able to call Wells Fargo and cancel the card before any charges were applied. They informed me that someone was able to add themselves to my account. The fraudulant name and address to receive this card is : XXXX XXXX XXXX XXXX XXXX . XXXX XXXX XXXX XXXX, KY My hope is that you'll be able to stop this person from attempting this in the future.
Product: Credit card or prepaid card

While reviewing my PayPal account online I noticed I was charged a late fee, even after making my payment on the due date. I reached out to synchrony who then advised me that even though I have a due date of the XXXX of each month you have to pay your payment a couple days before your due date in order not to receive the late fee. The agent XXXX and supervisor XXXX both told me there is nothing they can do regarding the late fee. I asked when will this report to my credit and after not answering my direct question several time the supervisor told me that my balance will be reported on XX/XX/XXXX which it will affect my credit because the late fee is making my account go over the credit limit. This is not fair!!
Product: Mortgage

Greetings, Nationstar mortgage contacted me saying that my association no longer had valid flood insurance. I checked with my association and it turns out we no longer needed flood insurance for my condo. I got the required " Standard Flood Hazard Determination '' document from my condo stating that the condo was no longer in a flood zone. I uploaded the document per Nationstar instructions and also faxed it. A month letter I got another letter. I called and they said they did get the documents but they were backed up and would fix it. I received at least XXXX more letters and called XXXX more times. Each time I was told this would be fixed quickly. Finally they took out an escrow to pay for the flood insurance I did n't need. I called and they showed that part of the insurance had been refunded but not all. Again, they said they would fix.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX send out an identity theft form and certain accounts have been still reporting on my consumer report that needs to be removed causing danger to my lively hood of establishing credit.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX. This Account is in violation of 15 U.S. code 1681A ( 4 ) for consumer right to privacy.This bankruptcy shouldnt be on my credit/consumer report. 
XXXX XXXX  BANKRUPTCY Case Number : XXXX Delete this account. 


XXXX there is some inaccurate information reporting XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 


3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 


4. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


5. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX there is some inaccurate information reporting XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


7. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 


8. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXXXXXX ) Please investigate and provide Proof with statements showing that these payments were late.If proof can't be provided I demand these payments be updated to on time as should be as I was NEVER late. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

BBVA Compass continues to send all of these letters to the fraudulent address and continues to try and collect on fraudulent debts that I do not authorize. Let me address this again as the previously reported fraudulent accounts BBVA Compass did not address nor do they care that I am a victim of identity theft. I did not authorize BBVA Compass to open ANY accounts in my name using fraudulent information. BBVA Compass opened several fraudulent checking accounts, I count 3. They then overdraft these checking accounts which again I don't have access to and then try and charge ME for fraudulent accounts I didn't authorize. They also opened 2 fraudulent savings accounts. They opened 3 FRAUDULENT CREDIT Cards. They allowed this thief to use my identification and information without even verifying it wasn't me to open credit accounts in my name without my permission. Not only did they not follow the proper FCRA Procedures for the Fraudulent credit cards, They didn't follow the law. On my Credit report I have a Extended Fraud Alert which stipulates I must be contacted first, before opening or approving any accounts. BBVA never contacted me, never sent me any documentation on this, never sent me any cards yet assume I should pay for fraudulent debts that were occurred as a result of a thief. I have not opened any accounts with BBVA Compass, I am a victim of identity theft and I did not authorize them to open any accounts in my name. Please review the proper FCRA laws and go over these to see where you messed up. I am a victim and I want you to clear my name of said fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

my XXXX XXXX card was canceled and closed on XXXX, I've disputed this with all 3 credit reporting Bureaus and they will not fix this and are reporting a balance of over {$4000.00}, it was a secured credit card that never actually held a balance but now even after several disputes and calls they will not fix it, I've contacted the bank and they agree that it was closed, and I have a screenshot of the chat with the bank with them stating when it was closed.