23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

There are addresses that do n't belong to me and it is fraud. I never lived at these addresses and I want these addresses removed from my credit reports which are as follows. 
XXXX, XXXX XXXX XXXX, reported XX/XX/2016 XXXX, XXXX XXXX XXXX, reported XX/XX/2016 XXXX XXXX XXXX XXXX, XXXX, reported XX/XX/2016 I have previously requested for these address and old information of previous address to be removed from my credit report the following address below XXXX, XXXX XXXX XXXX I also request that all previous telephone numbers be removed the only telephone number that I want to be listed on my file is XXXX
Product: Credit card or prepaid card

In XX/XX/XXXX I made a large purchase ( {$21000.00} ) split across three different credit cards with XXXX, Discover, and XXXX XXXX. 

XXXX : XX/XX/XXXX - {$1400.00} - XXXX XXXX XXXX XXXX XXXX TN XX/XX/XXXX - {$4200.00} - XXXX XXXX XXXX -Documents and information submitted to XXXX XXXX no action performed. 

XXXX XXXX : XX/XX/XXXX - {$5000.00} - XXXX XXXX XXXXXX/XX/XXXX - {$5000.00} - XXXX XXXX -Documents and information submitted to XXXX XXXX, no action performed. 

Discover : XX/XX/XXXX - {$5000.00} - XXXX XXXX XXXXXX/XX/XXXX - {$300.00} - XXXX XXXX The purchase was a scam, but I was not made aware until XX/XX/XXXX. The Federal Trade Commission ( FTC ) put out a statement confirming it was a scam, and after speaking with the case representatives, I was told the Creditors/Credit Card companies should take the information from the FTC and remove or waive the debt related to these transactions. 

I contacted each creditor ( XXXX, Discover, XXXX XXXX ) multiple times, with many phone calls trying to talk to someone that could help me. 

-- XXXX offered no help, and after performing an investigation, I was sent a letter of the results. The investigation results that XXXX did was : " Transaction from XX/XX/XXXX for {$0.00} '' It feels like they did not even care. 

-- XXXX XXXX shortly removed the transactions from my account, and then put the transactions back with no explanation. 

-- Discover removed the transaction, and then put the transaction back, stating " The merchant refused to refund the purchase. We are not a law enforcement agency, and we can not do anything else. '' I provided the full legal documents from the settlement by the FTC and none of the three creditors could assist me. I am now being told my account will be closed, and the debt will be considered 'bad debt '.
Product: Mortgage

Contacted via mail to refinance mortgage by Village Capitol. Assured the only qualification was on time payments no credit check. Approved for refinance and later had credit pulled by Village Capitol. Now, Village Capitol is deliberate in holding payment to charge late fees and threats of reporting negatively to credit report. All bills are paid via bill pay with not one complaint of late payment from anyone until Village Capitol. XXXX personally intervened to verify mailing address with Village Capitol and account information. XXXX reimbursed me for the late fee charged by Village Capitol. If Village Capitol deliberately withheld payment to receive late fees from clients, this could easily amount to hundreds of thousands of dollars in dishonest profit. I was with XXXX Mortgage before Village Capitol ; all payments were on-time via bill pay. Wished I never trusted Village Capitol.
Product: Debt collection

Was served with a complaint from XXXX XXXX XXXX XXXX on XX/XX/19, didnt know who they were or if they in fact were able to collect on an old account. I filed my response and counterclaim on XX/XX/19 and sent it certified return receipt. I received the return receipt back but didnt hear a response from XXXX XXXX XXXX XXXX for my answer and counterclaim, of which I had requested them to verify the debt they are trying to collect. Did not hear anything from them so I filed on XX/XX/19 an application for entry of default. No response. On XX/XX/19 I filed an application for entry of default. I had to re-file them on XX/XX/19 I filed a corrected entry of default as I had put the names in the wrong places. Still no response. We had mediation set for XX/XX/19 but I did not go as I had not received a response on my answer nor counterclaim. Cant mediate something if you dont have verification. Had a hearing on my counterclaim on XX/XX/19 and had asked the court, which they allow, to have it done via telephone. Did not get a response from the court until late in the evening of the XXXX and did not receive the order until many days later. XXXX XXXX XXXX claims in there filings after that that they had not received the counterclaim until the XXXX of XXXX, which is not true as they signed for it on XX/XX/19. XXXX XXXX XXXX XXXX has many different addresses which they used in there papers filed with the court as well as sending corospondence via USPS mail with a PO Box as a return address so people will think its junk mail. The XXXX XXXX XXXX struck my answer as well as my counterclaim and allowed judgement on me. Dont feel XXXX XXXX XXXX XXXX followed the rules of civil procedure as well as the XXXX. Maybe they do this alot as I see many many cases with this same XXXX. But they failed to verify the debt. If you need further information please feel free to contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that 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 is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

Account was in forbearance and was then reported as 90 days delinquent in XX/XX/XXXX and XX/XX/XXXX. Called to ask why this was reported and was blown off and told that there was nothing they could do..
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. XXXX XXXX XXXX has been paid and closed since 2021 but on my report, this is still showing. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize nor did I authorize the following inquiries to be made : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXXExeter Fin XX/XX/XXXX
Product: Debt collection

On XX/XX/2019 at XXXX XXXX, XXXX XXXX from Conrad Credit Corporation called me and left a voicemail on my cell phone. I sent a letter to the company that same day by fax and by mail stating that I can not get calls at work and I ask that you please stop calling me and communicate by mail only please. On XX/XX/2019 I received another voicemail from XXXX XXXX at Conrad Credit Corporation post revocation of consent to be contacted by phone and while I was at work, which actually got me into trouble. I have tried to ask this company nicely to stop, but they call anyways. I am requesting that the CFPB please investigate accordingly. No lawsuits have been filed yet, but I want them to contact my attorney ASAP to resolve this violation of The Fair Debt Collections Practices Act. 

XXXX XXXX XXXX Esq. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX T : ( XXXX ) XXXX - XXXX F : ( XXXX ) XXXX - XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In the company, XXXX XXXX XXXX it says I owe XXXX dollars but I never opened an account at this company. My mother opened an account in my name and I sent letters to prove it but it still on my report. N Im getting serval hard inquiries in my credit report that I have no idea where its coming from.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax, XXXX XXXX, and XXXX! ( Including all other Credit Bureaus known and unknown ) Please provide the Consumers of America with the Original contract with wet ink signatures that granted you our Permission to hoard our personal information. Failure to provide this contractual agreement to each and every Consumer constitutes a privacy right violation according to the Privacy Act of 1974. The Privacy Act of 1974 also serves as a Public notice on the behalf of all Consumers in each State  including the District of Columbia due to XXXX being a publicly traded company! We the Consumers have grown tired of the false and misleading practices you have portrayed!! Protraying False and Misleading Practices are also violations of FEDERAL LAW! 15 USC 1692 ( e ). All Consumers demand that all Personal information retained in your companies systems be removed immediately and damages of XXXX XXXX XXXX ( USN ) backed by gold be credited daily to each Social Security Number Available in your system. Consumer 's name and personal information ( which are copyrighted as intellectual property ) has been leaked by your company has continued too injured Consumers daily as your Systems are primitive in Nature!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am accusing Equifax of fraud. Equifax has deliberately removed three XXXX  student loan accounts that were in good standing and closed in XX/XX/XXXX. These accounts were to be on the credit report until XX/XX/XXXX, thus Equifax violated its own regulations. Also, Equifax fails to give an explanation for the deletion. In addition, Equifax reports payment history information in a misleading manner, such as high balance amount running from year to year or a series of years without change. A credit reporting representative admitted that the early removal of satisfactory accounts negatively impacts a consumer 's credit score. I have been trying to resolve my disputes with the agency since XX/XX/XXXX to no avail.
Product: Credit reporting

I have disputed several accounts, several times with Experian and they keep showing it as verified or remains. I have contacted the creditors directly several times for information regarding these alleged debts and they have been unable to provide me with anything to prove these are my debts or they completely ignore my requests entirely. 

XXXX 
XXXX 
XXXX 

I am requesting information on how Experian conducted their investigation into my previous dispute ( s ).
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an XXXX XXXX account. I asked the account to be verified and sent verification letters to the Bureau. XXXX XXXX was not able to verify the account. I checked my credit report this morning and XXXX reinserted the account back onto my credit report. I did n't receive any notification that this account was added back. According to my rights I have to be notified in a XXXX day period. When I asked for the account to be verified, XXXX was n't able to prove verification. That burden of proof is on them, not me. This account was taken care of XXXX  months ago. If you look at my credit file you 'll see this account was removed. This is misrepresenting my credit worthiness and my process of having a home loan. The last thing I want to do is file legal action. I am completely in my right to do so. I would just like to have this account deleted. Thank you!
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 act 15 u.a.c 1681 ) XXXX  ( XXXX XXXX XXXX XXXX collection derog ) XXXX ( XXXX XXXX XXXX XXXX ) XXXX ( XXXX XXXX  XXXX ) XXXX ( XXXX XXXX XXXX ) XXXX ( XXXX XXXX XXXX XXXX ) XXXX ( XXXX XXXX ) XXXX ( XXXX XXXX XXXX XXXX XXXX ) XXXX ( XXXX XXXX XXXX ) XXXX ( XXXX XXXX ) XXXX ( XXXX XXXX XXXX ) XXXX ( XXXX XXXX XXXX  XXXX ) XXXX ( XXXX ( XXXX  XXXX ) XXXX ( XXXX ) XXXX ( XXXX XXXX ) XXXX ( XXXX ) XXXX ( XXXX XXXX ) XXXX ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a public record investigation request to LexisNexis XX/XX/2018. As of today I have not received a response. LexisNexis is in clear violation of the FCRA in that they have exceeded the 30 days allocated to them to respond per FCRA
Product: Credit reporting or other personal consumer reports

Experian 's handling of my identity theft case has been unsatisfactory. Despite having a credit freeze and fraud alert in place, unauthorized activity, including the addition of a fraudulent Social Security number and phone number, occurred on my account. While I did not take legal action for the initial violation, I expected Experian to take my security seriously. 

I am deeply concerned that Experian is verifying and retaining fraudulent accounts on my credit report, even though XXXX and XXXX have recognized and removed them. This discrepancy raises questions about Experian 's verification processes and commitment to protecting consumers. 

I have repeatedly provided evidence of identity theft, but I am dissatisfied with Experian 's investigation and response. I am filing another complaint and demand a thorough investigation into their practices. If this matter is not resolved promptly and effectively, I intend to pursue legal action against Experian. DELETE THE FRAUDULENT ACCOUNTS YOU CLAIM TO HAVE INVESTIGATED AND ARE KEEPING ON MY CREDIT REPORT!
Product: Debt collection

XXXX, XXXX/XXXX/16, I received two different phone calls, one on my home phone and one on my cell phone, within XXXX minutes of each other. 

The calls where from an Ally Financial group. When I answered the phone I was greeted with an answering machine staying they were trying to collect money from me. 

I did not or do not have any kind of money arrangement with them When I finally got to a real person I asked them, who they were trying to call on my numbers. They did not answer me, so I asked where they had gotten my numbers from. I do not think they suddenly came out of thin air. They would not answer me. I asked to speak to a supervisor, but was told they were in a meeting. I called back a second time and got the same routine from a different person. They would not tell where, or why, they got my telephone numbers. Especially my cell phone. My guess is that they are trying to contact someone I know. 

They had to business hitting me with a statement about collecting money from me with a answering machine and I am really upset that they had my cell phone. 

I did talk to XXXX today about this company. They told me that there have been, if I heard them right, that this Co has had over XXXX complaints against it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reaching out to Equifax, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Equifax and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : Personal Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX, GA XXXX Inquiries : XXXX XXXX  XXXX/XXXX/2020 XXXX XXXXXXXX XXXX XXXX/XXXX/2020 XXXX XXXX XXXX/XXXX/2020
Product: Debt collection

On XXXX XXXX Aldous and Associates said I owed a balance of {$300.00} after I told XXXX XXXX XXXX XXXX that this account under my name was fraudulently opened. I have never been to this establishment and Im sure their records will show.
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. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete this account. 


2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 


3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 


4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX # XXXX D.O.B XXXX CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the TransUnion, XXXX and XXXX XXXX XXXX agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint.This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXXXXXX under the account number XXXX, a credit card opened on XX/XX/XXXX. XXXX under the account number XXXX ) internet account opened XX/XX/XXXX, a personal loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX credit card account opened XX/XX/XXXX, XXXX XXXX XXXX under account XXXX, and inquiries from XXXX XXXXXXXX via Dealer XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX accounts have resulted in several fraudulent hard inquiries and fraudulent accounts appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, or hard inquiries as reported. The aforementioned accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

on XX/XX/year> I applied for a mortgage from XXXX  XXXX XXXX and consented to having my credit pulled. The next morning my work phone began receiving solicitation calls and texts from mortgage, at moments as many as several per minute. These calls have disrupted my business and continue as I register this complaint. XXXX  XXXX XXXX asserts the credit reporting agency made it known ( sold? ) that I was applying for a mortgage and released some of my personal information. My credit monitoring service ( My ID XXXX ) noted that it was Experian that shared my credit report with XXXX. I called the Experian customer service # and asked to speak to a representative multiple times. The automated voice stated it was " unable '' to connect me to a representative " at this time ''. I have never granted any of the agencies the right to sell or otherwise share my information with anyone without my permission. Moreover, I find it reprehensible that Experian also refuses to communicate with people whose sensitive information is possess and shares.
Product: Credit reporting, credit repair services, or other personal consumer reports

YOU VIOLATED THE LAW. PURSUANT TO THE FAIR CREDIT REPORTING ACT AND ITS DEFINITION OF A CONSUMER REPORT, A CONSUMER REPORT DOES NOT INCLUDE A REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT!!!! I DO NOT CONSENT, I DO NOT AUTHORIZE, NOR I DO NOT BENEFIT FROM THE INQUIRIES BELOW. THE INFORMATION IS NOT INFORMATION RELATING TO ANY TRANSACTION BY THE CONSUMER. BLOCK AND REMOVE THE FOLLOWING INQUIRIES IMMEDIATELY!! PLEASE READ ATTACHED FTC REPORT. PROPER IDENTIFICATION IS ALSO ATTACHED. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Checking or savings account

Usaa internet fraud dept. Some one hacking my account. Tracking my account. An every time i talk with them.i get Colorado XXXX XXXX. Money is coming up missing.