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

Experian got 5 letters for 2 coections that are totally wrong. I send first letter stating company " XXXX XXXX XXXX XXXX. '' was blackmailing me. I sent them info showing it was paid and veteran administration pays all medical bills no matter what is the problem. 

2. I sent legal papers stating under FAIR CREDIT REPORTING AGRNCY SECTIPN XXXX AND XXXX ( XXXX XXXX AND WHAT BILLS WERE EXACTLY FOR SECTION ) THAT THEY TO HAVE TO PRODUCE THIS TO STAY PN CREDIT REPORT. I DIDNT GET BACK ANYTHING IN MAIL AND AFTER DAY OF DOUNG ONLINE YOU COULD TELL ITWAS FROM CUSTOMER SEVICE IN DIFFERENT COUNTRIES. THESE HAVE BEEN PSID TO ORIGANAL MEDICAL FACIKITY AND 3RD RATE BILL COLLECTER IS JUST SCAM ARTIST. AFTER 49 YEARS THEY ONLY HAVE 2 COLLECTIONSVON ME FOR KUTTLE AMOUNTS? YESH RIGHT. AFTER 30 DAYS THESE NEED TO COME OFF EXPERAN CREDIT REPORT AND NEVER COME BACK ON. FIRST THERE HAVE BERN DOUBLES IN ALKVTHE BILLS THISC " ACSE '' SENT THEM. THEY NEVER SENT ME ANYTHING AND HANG UP WHEN I CALL. THETY WANT CASH FOR BILLS ALL READY PAID. BIT EXPERIAN IS WRONG AND HAD YEARS TO TAKE OFF. I WILL GO CIVIL BURT THEY KNOW RHEY HAVENT DOBE JOB ANSD THEY CAN TAKE OFF BECAUSE RHUS WAS DURING MILITARY duty.

Experan needs to take off 2 colkections because they didnt send back fair credit reporting agencies XXXX XXXX XXXX  or XXXX  Especially XXXX  and XXXX  that i gavevthem 5 timed to send back. They dont have information to keep this on credit report. 

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

On XX/XX/2023, I mailed in a letter to Equifax after they received my letter on XX/XX/2023, they never responded to my certified letter to correct the incorrect personal information, accounts or addresses on my consumer report. Based on 15 USC 1681 ( a ) ( 3 ) Equifax assumed this role. Equifax were not given express permission by me, the consumer, or competent court jurisdiction. So not only did they fail in the initial investigation of the accounts I include in the letter. Equifax assumed these accounts were valid. Which is a violation of my consumer rights. Equifax did not ensure that these accounts, addresses or personal information were accurate, and they did not exercise their grave responsibility with fairness and impartiality. They took one side of the story and never consulted with me to find out if these accounts, addresses or personal information were true and accurate. As a result of this my privacy was breached and my right to privacy was violated.
Product: Money transfer, virtual currency, or money service

I have communicated to the company to close my account and withdraw my digital assets yet they insist that I first accept their updated terms and conditions. 

I refuse to accept their updated terms and conditions and they will not proceed to honor my account closure and withdrawal request. I can not gain access to their website to manually withdraw my funds without first clicking to accept their updated terms and conditions.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report from your bureau and am disputing the completeness and accuracy of the following information. This erroneous information is negatively impacting my report, and I request immediate correction. 

I believe 30 days is a reasonable timeframe for your investigation. After completion, please send me an updated credit report along with the names, addresses, and phone numbers of the individuals you contacted. 
The disputed information is : XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

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

XXXX 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 UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am filing this complaint regarding the handling of my credit disputes by XXXX, XXXX, and Experian. For the past XXXX months, I have been disputing inaccuracies on my credit report, which I believe are negatively impacting my credit profile. Despite my repeated efforts to address these issues, the credit bureaus have failed to take appropriate action. 

Instead of thoroughly investigating and resolving my disputes, I have only received stall letters that do not provide any meaningful updates or resolutions. This lack of responsiveness and transparency is frustrating and does not comply with the Fair Credit Reporting Act ( FCRA ), which mandates timely and accurate investigations of disputes. 

I request your assistance in ensuring that these credit bureaus investigate and resolve my disputes as required by law. 

Thank you for your attention to this matter.
Product: Checking or savings account

I have a saving account with bank of America. Due to pandemic hardship, I need money to pay my bills. I asked my brother to lend me {$2000.00} and wire to my saving account. Right after the money was in, {$990.00} was taken out of my saving account by BOA without any authorization. I disputed immediately. BOA sent me a letter stating that they took my money to offset a business credit card ending XXXX. I never had a business credit card ended with that number. I called many times to dispute, and only get transferred from one representative to another. I requested my money back to pay my bills. They refused to refund me. 

I have explained to them that is no my account. Further, they are not allowed to take money out from my saving account to cover for credit card. They still refuse to refund me. 

I need help from your guys to ask them to refund me immediately so that i can pay my bills.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I do not recognize these credit inquiries and requested that they be deleted and the agencies have not done so. I attached the report requesting that they be deleted.
Product: Checking or savings account

On XXXX XXXX I received a letter from Citi Fraud Prevention with allegations about Fraud Letter Code 4100. I did called immediately and the Fraud Prevention Unit was not very helpful resolving the matter, as the allegations were that if you do which the agency could collaborate with record conversations from Fraud Prevention Unit. I submitted via certified mail all evidence and documentation for them to clear the issue and to refund the {$1700.00} and nothing is being done. The Big Four issuing Banks in NY has very similar policy therefore I do not understand since XX/XX/year> Citibank do not want to complied. Citibank knows is liable as I well explain in all the letters. I did called, submitted documents & evidence, I was directed by the XXXX Branch manager XXXX XXXX which he was the only one who help me since the issue started and I follow his instruction but the Fraud Prevention Unit was not Helpful to proceed that is why everything was submitted by certified mail. Still XXXX XXXX XXXX no answer from Citibank. I called and XXXX told me my account was closed when I did not authorized to be closed as this account was on dispute and I had all the right as a primary holder of the account. I do not have liability on this matter as was a Fraud on my account directed from XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted this company more than once over the months, they always try to say they are not authorizing a third party to send in my dispute? However it was mailed by me from my current address with proper verification documents. What's the point in having a dispute system that I cant use? I've provided proofs of my mailings to TRANSUNION, not ONCE have they looked into a single dispute. So why is it TRANSUNION can not verify my ID and most recent utility bill? Why hasn't TRANSUNION looked into a single dispute if I have provided you all proper documents? its unfair and too me seems like a staling tactic to not have to deal with half the letters they receive because there's NO WAY none of my documents couldn't have been verified and they send me the same response over, and over again. There's nothing I could possibly do/or change to make it more VALID for them to complete there process of investigation. I have provided the proofs of the most recent mailings I have with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd 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 an alleged fraud or extortion. 


XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX SELF-REPORTED XXXX Balance : {$35.00} ; XXXX SELF-REPORTED XXXX Balance : {$20.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX ; XXXX, XXXX, XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 USC1681. 

XXXX XXXXXXXX  XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 15 USC 1681 Section 602 A states I have the right to privacy 15 USC 1681 Section 604 A section 2. It also states a consumer reporting agency can not furnish an account without written consent.
Product: Credit reporting or other personal consumer reports

Fraud accounts being relisted in violation. Please block all fraud accounts and related inquiries per FCRA, XXXX XXXX and CFPB unless you can provide verification of original signature. XXXX BANK XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX {$1500.00}, XXXX XXXX XXXX, XXXX XXXX, Charges filed XXXX XXXX ORIGINAL POLICE REPORT attached, address, emails, current bank statement, FTC, supplemental police report and ID attached for verification thank you REMOVE ALL NON-ACCOUNT INQUIRIES PER FCRA LAW- XXXX has relisted 15 fraudulent inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

US Auto Cr of JXXXX, Fl keeps reporting that I had an auto Loan with them I do not. I every time I dispute it with the credit bureau it comes back as verified and they will change the amount and they type of loan.I have requested the loan documentation numerous times over last XXXX  years and they have failed to respond. I repeatedly told them that I didnt request and auto loan and that I want the loan documents so that I can file a report but they have not responded. I bought a car XXXX XXXX of XXXX, Fl. On XX/XX/2015 it was a buy here pay here lot .USAuto Cr was supposed to be a payment processor. I never agreed to any third party financing nor did I authorize any one to enter into a loan agreement on my behalf.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, TN XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Update of Personal Information Dear Sir/Madam, I believe I was a victim of Identity Theft. Ive noticed some personal information on my credit report that does not belong to me. I am writing to request an update to my personal information on my credit report. Please find below the details of information I need updated : **Old Information : ** -Name : XXXX XXXX ( REMOVE FROM REPORT ) -Address : XXXX XXXX XXXX, XXXX TN XXXX XXXX REMOVE FROM REPORT ) -Address : XXXX XXXX XXXX XXXX XXXX GA XXXX ( REMOVE FROM REPORT ) -Phone Number : ( XXXX ) XXXX ( REMOVE FROM REPORT ) **New Information : ** -Name : XXXX XXXX XXXX ( KEEP ON REPORT ) -Address : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX, TN XXXX ( KEEP ON REPORT ) -Phone Number : ( XXXX ) XXXX ( KEEP ON REPORT ) PERSONAL STATEMENT : Im a victim of Identity theft, there is accounts and personal information details ( Including My Name and Address ) that DO NOT belong to me. I need these items removed/updated to the correct info Immediatley ; Ive listed them here : Name : XXXX XXXX ( REMOVE FROM REPORT ), Addresses : XXXX XXXX XXXX. XXXX, TN XXXX, XXXX XXXX XXXX. XXXX, TN XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX, TN XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX ( REMOVE ALL THESE ADDRESSES IMMEDIATLEY ).. Phone Number : ( XXXX ) XXXX ( REMOVE ). ALL OF THIS INFORMATION IS INACCURATE AND DOES NOT BELONG TO ME AT ALL. IT NEED TO BE REMOVED AND UPDATED TO THE CORRECT INFORMATION. THE ONLY INFORMATION THAT SHOUKD BE REPORTING IS : Name : XXXX XXXX XXXX ( KEEP ), Address : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX, TN XXXX ( KEEP ), Phone Number : ( XXXX ) XXXX ( KEEP ). ANY INFORMATION THAT DOES NOT MATCH THAT NEEDS TO BE REMOVED AS IT IS FRAUDULENT. 

Attached are copies of documents to verify my identity and the changes requested : Government Issued ID, Paystub, Utility Bill, & FTC Report Please update your records accordingly and confirm that these changes have been made. If you need any additional information or documentation, do not hesitate to contact me at the phone number or email address listed above. 

Thank you for your attention to this matter. I look forward to your prompt confirmation of these updates. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, TN XXXX XXXX ( XXXX ) XXXX -DOB : XX/XX/XXXX -SSN : XXXX -DL : XXXX -Issued : XX/XX/XXXX -Expires : XX/XX/XXXX -- -
Product: Credit reporting, credit repair services, or other personal consumer reports

I kindly request that you delete this account as it does not belong to me. I am extremely upset that it is appearing on my credit report, and I am deeply disappointed that I have been subjected to this situation. I urgently demand that the business promptly removes this account from my credit report as it does not belong to me in any way.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the creditor Aid Advantage, has violated my rights. Under 15 USC 1681, Section 602, states I have the right to privacy. Section 15 USC, 1681. Section 604A. Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC 166B a creditor may not treat a payment on a credit card account as late for any purpose. Additionally, under the Higher Education Act, Federal student loans which have been reported to be in default for 7 years or more, must be deleted from a consumers credit record.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following information needs to be corrected on my credit report : My name and address should be : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX My previous address should be : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX The following name should be deleted : XXXX XXXX My second middle name is touching my last name and it shouldn't be, please correct it. 

And the following previous address should be deleted : XXXX XXXX XXXX. 
XXXX, SC XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : 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 TransUnion credit reporting 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 XXXXXXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections 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 XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, 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, collections, 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 US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

I 'm pursuing a loan modification, submitting all information that is required when I receive a letter stating that a foreclosure date of XXXX XXXX, XXXX had been set. I did n't understand because I was told that my file was complete and was under review. How can a foreclosure date be set when my case is still under review. It seems like dual tracking is taking place. I 've done everything they 've asked and I just want an opportunity to save my children 's and my home.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCK AND REMOVE Please remove the unauthorized inquiries from my credit report immediately. I did not permit these inquiries, and they are causing me considerable stress.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence.

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft.

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : ACCOUNTS XXXX 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

In accordance with the Fair Credit Reporting act INQUIRES XXXX XXXX  ON XX/XX/XXXX ; XX/XX/XXXX & XX/XX/XXXX XXXX  XXXX ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  : XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XXXX XXXX  : XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX XXXX : XX/XX/XXXX, XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

My name is XXXX XXXX XXXX is no third party involved in the filing of this complaint and this complaint has not been made in error.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up to my previous complaint to delete these items in my file : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX Please find the ATTACHED documents to assist in blocking the erroneous items which are being posted to my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under and open and consumer credit plan as late for any reason.