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

So I do believe that I am a victim of Identity Theft and I have tried to obtain my Equifax report online and they ask me questions to identify who I am and I have been a victim of Identity theft in the past, and the questions that Equifax is asking me questions on my credit report that I can not answer because the questions that are being asked were things that purchased, accounts that were opened when I was a past victim of identity theft. I have asked multiple times for my questions to be changed to current questions, they are asking me information from 15 or more years ago and I cant answer the questions. I want the questions changed and I want a copy of my credit report in a timely manner. Which I am not receiving yet and I want to be able to access my report from Equifax. I have been able to access every report accept Equifax.
Product: Credit reporting or other personal consumer reports

I have information about my education that is supposed to be private on my credit report, Family Educational Rights and Privacy Act ( FERPA ) The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b )
Product: Credit reporting or other personal consumer reports

I am writing to address a concerning issue regarding my credit report. Upon careful review, I have identified several instances of late payment that is inaccurately recorded on my credit history and I would like to dispute this erroneous information. I strongly believe there is an error in the reporting of this late payments, as I have consistently made timely payments for the mentioned account. I also called the banks and they said they would correct and update the account. I kindly request your assistance in investigating this matter and, if warranted, correcting the information on my credit report. The following details require your attention : XXXX  XXXX XXXX.
Product: Checking or savings account

TD BANK # XXXX XXXX I do not receive statements from this bank. 
I called on XX/XX/22 to ask why, and was unable to verify my account, so no one would help me. 

I asked them 1 ). When was this account opened? 
2 ). Why don't I get ststements? 

No answers...
Product: Credit reporting, credit repair services, or other personal consumer reports

They have multiple names on my account. My name with a middle name that I dont even have. Phone numbers that arent accurate and even have my brothers name on my report!! Social security listed on report is wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and Trans Union are ignoring my requests to investigate, verify and remove accounts from my credit reports/files that do not belong to me.
Product: Debt collection

I received a letter from LTD Financial Services Limited Partnership, XXXX XXXX   XXXX XXXX, XXXX, TX XXXX, to collect {$210.00}. The creditor XXXX XXXX XXXX pertains to my residence XXXX XXXX  XXXX XXXX, Texas, where I lived from XX/XX/XXXX - XX/XX/XXXX. 

When I moved out in XX/XX/XXXX, I turned in my keys with no balance in my account. 2-3 months later after I moved out, the XXXX contacted me and said I have a balance due. I requested email or other forms of communication of detailing the debt because there was no balance when I turned in my keys. They never provided the information and then, I received this notice from LTD Financial Services, a debt collector. 

The creditor is threatening that a negative credit report reflecting on my credit record may be submitted to a credit report agency if I fail to fulfill the terms. First, of all I was never notified or received any type of communication of monies owed when I moved out. I called repeatedly and ask to speak to management. But, I never received it. And then, I receive this letter from LTD Financial Services.

First of all, why should I pay a debt I never received any information about? I have tried to get information from them and never received anything. And now, I have LTD sending me a letter threatening to put negative information on my credit report. I have no problem paying the debt if in fact it is mine, but I have yet to receive any information from property management pertaining to this debt. Please help! 

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

When I checked my credit report this morning, I was shocked to see inaccurate accounts showing up unexpectedly. Ive always kept an eye on my credit, but suddenly there were discrepancies that didnt make sense. I tried refreshing the browser, thinking it might be a glitch, but nothing changed. Im really shaken by this, and Im asking that the documents Ive sent be thoroughly reviewed so I dont have to live with this constant worry.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXX XXXX XXXX   XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX  XXXX XXXX : {$25000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$92.00} Status Collection account. {$92.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$92.00} Status Collection account. {$9.00} FCRA violations : payments never late XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$270.00} Status Open. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

Ive been trying to communicate with cit cards for several months now regarding an existing card balance. A low introductory rate expired in XXXX and because of financial stress, I was unable to pay off that card as originally intended. I explained to citi that i would like to extend the low apr or switch to a new card with low apr. Applied for a simplicity card and was told I could transfer to that card with 0 apr intro offer. Card was approved XX/XX/XXXX but never arrived. Called and asked for it to be resent. Told I would receive it within 10 days and that I could call back in 48 hours to do the balance transfer. Decided to wait for the card due to painful process of calling, going through automated confirmation, being transfered from department to department as was my general experience. Never received the card and called again 2 weeks ago. Customer service told me it was cancelled and i needed to reapply. Transferred me to applications dept. Applications told me no, card not cancelled, assured me they would work it out, just needed to transfer me again to another department! Got cut off in the process of being transferred, decided to keep waiting. Received an email statement for a XXXX  XXXX   ending in XXXX  on XX/XX/XXXX. Called again today to ask what is going on ... got a statement but no card and no information in my citi online account about this card. Told that the card was still pending in the system and that no, I could not do a balance transfer on this particular card and would need to apply for YET ANOTHER card depending on which one the marketing department decided was eligible this month! Offered to transfer me to marketing department but I declined because I dont want to make another credit card application for credit score reasons. Through these months, Ive also use the cit online app to chat with customer service multiple times, sometimes being dropped off half way through a conversation, and usually being referred to make a call. Ive applied for all the covid assistance online and got a deferral of minimum payments but am being totally jerked around regard trying to deal with my interest obligations for months now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION oXXXX XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting 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.

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 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, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the following items on my credit report : XXXX XXXX  XXXX XXXX Late Payment Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX  Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX  Account XXXX XXXXXXXX Late Payment Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  XXXX  Account XXXX XXXX  XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX Late Payment Account XXXX XXXX Collection Account XXXX XXXX  XXXX Late Payment Account XXXX XXXX Collection Account I strongly believe that these items are incorrect and have been reported unfairly. I have carefully reviewed my credit reports and have found errors and inconsistencies in the information provided. 

I would like to bring to your attention that under the Fair Credit Reporting Act, credit reporting agencies must provide accurate and complete information to consumers. Inaccurate and incomplete information can have a negative impact on my credit score and my ability to obtain credit and loans in the future. 

Regarding the late payment accounts, I would like to explain that I have experienced financial hardships and have been unable to make payments on time. However, I have since made efforts to catch up on missed payments and have been making regular payments. 

As for the charge off accounts, I was not aware that these accounts had been charged off and was not given an opportunity to make payments and settle the debts. I would like to request that these accounts be removed from my credit report, as I believe they were reported without proper notification. 

I kindly request that you investigate these items and take appropriate action to correct any errors or inaccuracies in my credit report. I also request that you provide me with a copy of my updated credit report once the investigation is complete. 

Thank you for your attention to this matter. 

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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$300.00} XXXX XXXX  ( Original Creditor : XXXX ) XXXX XXXX Owed : {$410.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 recently obtained a copy of my credit report from your bureau and am disputing the accuracy and completeness of the following information. This inaccuracy is damaging my credit report, and I request that you correct them immediately. 
I assume 30 days is a reasonable timeframe for your investigation. After completing your investigation, please provide me with an updated credit report and the names, addresses, and telephone numbers of the individuals you contacted. 
I insist that you stop reporting this account as late on my credit report immediately. Failure to comply with this request may result in legal action against your agency. The disputed information is as follow : XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  deleted my account from the credit report yet it is still there and i paid off all my credit cards so there should be a XXXX balance fix or delete
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

MY PURPOSE OF THIS COMPLAINT IS NOT TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DON'T TRY TO SAY THE ( FCRA ) DOES NOT APPLY TO YOU BECAUSE YOU ARE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF XXXX XXXX OR THE MALES IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOT WITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16G2F ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF XXXX XXXX OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO YOU! XXXX XXXX XXXX VIOLATED 15 USE 1681A ( 2 ) ( B ), 15 U.S. CODE 1681B ( A ) ( 2 ), 15 U.S. CODE 1681 ( A ) ( 2 ), 15 USC 1692J ( A ), AND 15 USC 1681E ( B ).
Product: Credit reporting or other personal consumer reports

Fruad Charges were made on my master card. I disputed the charges and they rermoved but before they were removed i was turned for late payments to the 3 credit bureau 's. 
XXXX and XXXX has removed the late payment, but Experian refuses to remove them which is affecting my credit.
Product: Checking or savings account

I have my Goldmans Sacks Bank USA, website by marcus.com, online saving acct. opened for many years, no issues before. They don't have local branch office here near me. 
But, back in earlier this XXXX, I found other banks have higher saving rate. So I wanted to transfer my money to the other online banks. I was able to login my GS bank online account ok with my correct login credentials. However, after I login, when I tried to do online money transfer to the other bank, keep getting the error message 'There is a technical error. Can't complete your transaction. Login back later. ' For 2 weeks, I kept logging in back for several times to access my online acct. correctly. But, keep getting the same error message to transfer out my money. I finally called their customer support and told them this online transfer issue. At the beginning they verified my acct. infor. But once they heard I wanted to transfer my money out. They made excuse to ask me additional my family infor. I told them they already verified my acct infor. Any additional family infor. is my privacy. They have no right to ask these. And suggest them if they want to ask additional questions, they can ask standard security questions like all other online banks use. I have no issue with all other online banks. But, they refused to do so. My transaction was still on hold even after calling them. I then sent them a letter by post office in later XXXX or earlier XXXX with my signature and correct address to request to close my this online acct. and send me a bank check of the remaining balance. I haven't heard back since then.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted several disputes with each credit bureau. I have been a victim of identity theft and as a result my personal information was used and compromised. Several accounts showing on my credit report are listed as a result of identity theft. I have contacted XXXX  and they are refusing to remove these fraudulent account as well as XXXX  and I am not able to gain access to XXXX so that I can dispute these fraudulent accounts with them as well. I have submitted a verified police report as well as an FTC affidavit as verification of being a victim of identity theft. When contacting XXXX  I was told by a representative of the Specialized Fraud Department, that once a dispute is submitted and the company says that the account is yours they will not remove it. This has caused me a major hardship, because my information was stolen and I have been victimized.
Product: Vehicle loan or lease

I had an auto loan with Wells Fargo Dealer Services - XXXX XXXX XXXX. During the course of the loan, WFDS added XXXX insurance to my loan, which increased my monthly payment. I kept making my monthly payment. It was showing I'm late, short, they repo my car! 
Not once but twice! The problem exists 2 fold : 1. Adding on a product which I did not sign up for thus making me delinquent. 
2. I make my payments at Well Fargo Bank, but they say they are not WFDS. They operate under Wells Fargo to the consumer, but in their eyes they are two different companies. That is fraud in it's self? 
I have been contacted by attorneys from PA. to jion a class action suit. But, I told them NO, I want to give WFDS an opportunity to settle it. 
WFDS sent me a letter in XX/XX/XXXX - we owe you {$1500.00}. A check will be awarded. 

I have NOT RECEIVED ANY CHECK AS OF XXXX XXXX, Can you help me? Also, under the TDPA don't I get triple damages and I'm a Senior citizen, they have ruined my credit. It's a mess.
Product: Checking or savings account

Hello I tried to purchase a new desk for a friend whose dog just died, and I found a person on XXXX who insisted I pay half upfront to keep the desk reserved. They said they didn't get the payment and for me to try again, when in fact the payment did go through and they were just charging me up. This happen multiple times, and even though I tried to contact them to plead for them to return the funds, they stopped communicating.
Product: Credit reporting or other personal consumer reports

Non-compliant & incorrect reporting. Seeking litigation
Product: Credit reporting, credit repair services, or other personal consumer reports

I informed the credit bureau via certified mail that the information was inaccurate. Its showing that the last payment was made XX/XX/2014. XXXX and XX/XX/2014 payment information was ok/current. XX/XX/2014 it was reported 30 days late and then Voluntary Surrendered. If the last payment was made XX/XX/2014 it should not show payment info was ok/current between XXXX and XX/XX/2014. And then 30 days late? This account is charged off/Closed.