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

I sent a letter requesting that you reinvestigate the disputed accounts from my credit report as well as update these accounts from my report during the investigation period. As of this date, you have failed to respond to my request. Here are the accounts that I wanted to fix. 
XXXX XXXX Balance : {$7500.00} XXXX  XXXX Balance : {$9400.00} XXXX XXXX Balance : {$4100.00} XXXX XXXX Balance : {$11000.00} XXXX XXXX Balance : {$13000.00} XXXX XXXX Balance : {$62000.00} XXXX XXXX Balance : {$29000.00} XXXX XXXX Balance : {$25000.00} XXXX XXXX Balance : - XXXX XXXX Balance : -
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Companies are not complying in their own policies in a timely manner
Product: Credit reporting or other personal consumer reports

I am writing to formally contest the inclusion of a fraudulent accounts in my Equifax credit report. Despite submitting a dispute letters and the required documentation to the Federal Trade Commission ( FTC ), as per your guidelines, this accounts persist on my Equifax report. After uncovering these fraudulent accounts, I contacted the relevant companies, which acknowledged its fraudulent nature and assured me of its removal from their records. Subsequently, XXXX and XXXX have both expunged these accounts from their records after verifying its fraudulent status. I am puzzled as to why XXXX continues to report these fraudulent accounts, especially since the other credit bureaus have already removed them. I have completed all necessary steps and furnished all relevant documentation to substantiate my claim of identity theft. 
I hereby request a comprehensive investigation into this matter and the immediate removal of these fraudulent accounts from my Equifax credit report. The companies have confirmed the fraudulent nature of these accounts, and its persistence on my credit report is unjustified and detrimental to my creditworthiness. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

When I recently applied for a new mortgage it was discovered that my identity had been stolen and someone had opened a Nordstrom store card under my information and then purchased items, charged-off, and was sold to collections. I notified the 3 Credit Reporting Agencies and Nordstrom 's fraud department. The fraud department had me send a photocopy of my ID in along with a statement that the purchases were not mine and that I had not opened a card with them. I have tried to follow up several times with the Fraud department and each time they repeat that they have been sending physical mail which I am not receiving. They have also claimed I will need to work with the collections company separately. The issue is Nordstrom is the party responsible for not performing due diligence and issuing fraudulent credit and then selling that fraudulent credit to a 3rd party.  Nordstrom should be responsible AND helpful in the process. My credit report shows all paid as agreed ( never a single delinquency ) prior to this fraud. I would also expect them to be able to pull the location the card was opened such as physical store or IP address to show it was not me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX. XXXX XXXX, XXXX, CA XXXX XXXX  XXXX. XXXX XXXX, XXXX, TX XXXX Equifax XXXX. XXXX  XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Debt or credit management

I the consume refuse to pay the debt collectors under the law 15 USC 1692c
Product: Credit card

On XX/XX/2023, I made a payment to my credit card but wanted the payment to come from XXXX different checking accounts, the system blocked me from making the XXXX payment. This is illegal in my opinion, I should be able to make payments on my account to avoid interest charges and negative reporting on my credit report.
Product: Student loan

I received an email from  National Network Negotiators re questing an information release form so that they could update my information. That information would update, my information, so that they could collect the {$300.00} left on my {$750.00} bill for filing my paperwork. When I contacted my provider,  XXXX , they informed me that there are no fees for filing the paperwork. They did not have the names or numbers that I was given . National Network Negotiators e mailed me the names  XXXX   XXXX ,  XXXX  main,  XXXX  direct,  XXXX  Fax,  XXXX  XXXX  XXXX , also  XXXX   XXXX . In the information release form it had information on it that was not mine. I was suppose to sign it and send it back.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear to whom it may concern, My name is XXXX XXXX, I have been trying to report about inaccurate accounts in my credit report but the credit bureau has always intended to avoid their responsibility and none of my request has been fulfilled. According to Fair Credit Reporting Act, I expect you to complete this investigation withins 30 days. 
**Name Reported** _XXXX, XXXX XXXX T this name is incorrect, My only correct name is XXXX XXXX. Please delete it!!! 
**Address Reported** _ XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX , OH XXXX These address are incorrect, I have attached proofs of my current address below.! 
**Employment info** PRIME This employee is not belong our business so please delete it!!! 
**Credit Card** _ XXXX Opened Date XX/XX/XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. The collection agency has no account number or contact information associated with the account on my credit report and demand this is removed. 
_XXXX Opened Date XX/XX/XXXX The account balance show {$11000.00} when the amount past due is {$7700.00} **Collection** _ CHLD SUPP VA Opened Date XX/XX/XXXX How can there by $ 428 monthly payment in a charge off account. The balance is XXXX $ and past due amount is {$40000.00} in Transunion while the balance is XXXX $ and past due amount is XXXX in XXXX report. Delete it immediately!!! 
Also In accordance of the FCRA [ 15 U.S.C. 1681l ] Whenever a consumer reporting agency prepares an investigative consumer report, no adverse information in the consumer report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. 
**Collection** XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX This charge off account is not mine please delete it as it is not belong to me, you have to provide me full documentation VIOLATION COUNT 1 [  15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report **Credit card** _XXXX XXXX Reported : XXXX. XXXX, XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. The collection agency has no account number or contact information associated with the account on my credit report and demand this is removed. 
XXXX XXXX Reported : XXXX. XXXX, XXXX This collection account is not mine. I do not have any financial obligation with them. Please delete it!!!
Product: Credit reporting or other personal consumer reports

This is my complaint, I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX Balance Owed {$110000.00} XXXX XXXX  Balance Owed {$0.00}
Product: Money transfer, virtual currency, or money service

A friend of mine from XXXX had first send me on Wednesday XXXX XX/XX/2021 with her XXXX  Account, {$73.00} XXXX to my XXXX Account, so that's {$73.00} and {$0.00} cents But because XXXX had charged {$25.00} fees for that transaction, I had only received {$48.00} in my XXXX Account. The fees for such a small transaction was extremely HIGH, the URL of the hash was : XXXX So my friend had to pay me more than {$500.00} so the XXXX funds was just as a test to see if the payment would go through and would reach my XXXX Account. And yes i had received {$48.00} XXXX in my XXXX  Account. BUT my friend was shocked about the amount of fees, {$25.00} fees to send such a small amount. So she went on XXXX to see what coins would charge very less fees. So she came to XXXX. Now she converted heXXXX XXXX of {$570.00} XXXX into XXXX which gave her XXXX pieces of XXXX. Then she made the transaction of XXXX pieces of XXXX from her XXXX Account to my XXXX Account of which the URL of the hash is : XXXX. I wrote all of this to XXXX XXXX of which the Case is : XXXX XXXXXXXX. Then under this reference : ref : XXXX : ref. XXXX replied that i should send XXXX XXXX from my friend her XXXX account as a test to claim the ownership of these XXXX pieces of XXXX. Then I had my friend sending me XXXX pieces of XXXX, at least she tried,. But she received an automated message from XXXX that XXXX does not support/allow transactions LESS THAN XXXX pieces of XXXX and on XXXX you can also read that XXXX also does NOT support transactions less than the amount of {$20.00} but in case of XLM, XXXX requires the transaction to be at least XXXX XXXX of XXXX. I wrote all of that to the same email thread with reference nr : XXXX : ref but then never got a reply. AND my experience with XXXX is that XXXX will not ever answer anymore and then a week goes by and may other weeks will go by and then XXXX will just close the case and then the money is gone. At the time of the transaction XXXX pieces of XXXX was worth {$56000.00} {$560.00} and {$0.00} cents. What XXXX does, is like steeling from the poor people because if this was XXXX XXXX his accout, XXXX would not even dare to steel {$1.00}, just scared of bad publicity. But poor people can't do anything. It's just very sad that crypto platforms work like that. Because a bank would never steel from a customer. Bank XXXX XXXX not, XXXX Bank not, not any bank. I need the XXXX pieces of XXXX. Even if my friend has to send a test deposit of bigger than XXXX XXXX that's okay, but what XXXX XXXX had suggested does not work because XXXX does not deal with transactions smaller than XXXX XXXX. Thank you for reading my email and I sincerely hope that you realize that an amount of A BIT MORE THAN {$500.00} is to me worth as much as {$5.00} XXXX dollar to XXXX XXXX. So please take care of my case as serious as you would take care of XXXX XXXX his cases. Under referencenr : ref : XXXX : ref a new XXXX XXXX was going to investigate my case XXXX # : XXXX. But nothing happened
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a collections from XXXX XXXX on my report. I disputed and Experian deleted the acccount. Then the debt collector sold my account too another collector and Experian will not delete the account even though they did before. I have shown them proof of what they did before and they won't change it back.
Product: Credit card or prepaid card

Hi This is XXXX XXXX. I have submit a complaint about getting credit card from Capital ONE Savor XXXX Credit card. I usually do not apply with Capital One Credit Card because I know they do not approve me, not they increase my credit limits of XXXX Credit Card. Recently I have received an email from Capital One offer Reservation number : XXXX Access code : XXXX and it was pre-approved offer, XXXX months no interest, I noticed that it might be interesting and useful credit card, I usually do not apply with Capital One as they always discriminate me about credit card offers, I have good payment history, they pull my XXXX report ( which shows no auto loans or mortgage ) but it is not true, I have excellent payment history with XXXX XXXX and it more than XXXX months good payment history, neither Capital One considers any increase in limits, nor they offers or approve me any credit cards. Capital One and XXXX are discriminating me based on my XXXX and national origin or religion. They send me any offers. I have applied XXXX  XXXX card but delaying in application, it was pre-approved offer ... and went down my credit score.. I am very much disappointed. I request from CFPB to address this issue with CAPITAL ONE and why my income ( SSDI ) and AUTO LOANS were not updated in their profiles. Thanks
Product: Credit reporting or other personal consumer reports

Goldman Sachs Bank USA placed a late payment on my consumer report XX/XX/year> stating I made a 30 day late payment. Account number XXXX I have never made a late payment on this account. I notified Goldman Sachs Bank USA of this error and was told I had to pay my full balance in order to have the error corrected.
Product: Debt collection

On Tuesday, XX/XX/XXXX I recieved a call from a local XXXX, AZ number ( XXXX ) and because I do n't recognize that number I let it go to voicemail. An automated, computer generated voice left a message stating that I needed to call the Weinberg Mediation Group in regards to a matter connected to my social security number, and to call them at XXXX. 

I XXXX that number and found multiple reports of scam and harrassmenn calls reported about both of those numbers on various websites. I also found the address and phone number for the Weinberg Mediation Group, and the number on their website does not match the number I was told to call back on. I then filed a complain with the FTC about that matter, plus I emailed the Weinberg Mediation Group informing them that I filed an FTC complaint due to the appearance of someone spoofing phone numbers and then claiming to be their business.

Today, XX/XX/XXXX, I recieved a call from XXXX and as I was at work it went to voicemail. This time it was a person that left the message and it sounded like she said her name was " XXXX '' and that I was to call her at the XXXX number ext XXXX, in regards to a matter attached to my social securoty number at Weinberg Mediation Group. When I called back after I was off of work it went to voicemail, and then it sounded like she said her name was " XXXX XXXX. '' I tried to call the XXXX number with out using an extension and the system just hung up. 

I also XXXX the address that the Weinberg Mediation Group list on their website and it goes to a XXXX Store in XXXX, NY. 

I am sending a certified, signature required, return receipt requested to the address on Weinberg Mediation Group 's website that will be requesting all communications be through USPS certified mail, and validation proof of the debt, orginal debtor, all receipts and contracts paid to original debtor by all parties involved, and all amounts paid by all parties involved.
Product: Debt collection

I am reporting a man named XXXX XXXX. He calls from a disguised number and says he is the " Director of Hardship and Mitigation ''. Later he changed it to " Hardship and Litigation ''. He used to call me and just say he was collecting a debt but he has now changed his tactics with a " professional sounding title. " This man has been harassing me for years, and supposedly he says I owe money to a bank. I called the bank in question and they have no record of it, and are not suing me that they know of. 

He has called my parents and scared them, and threatened many times that there was a lawsuit, though i have never seen any papers for any lawsuit. He has repeatedly called my place of business, and my cell phone, when he does not have permission to do that.. I told him years ago to stop harassing me and he responded in a hostile manner. 

This is a false claim because if there really were some sort of lawsuit I would have been served papers. 

He keeps leaving cryptic messages, including to my parents, indicating I was in some type of danger. It scared them a lot and they called me thinking I was in the hospital or something. He stopped for a while, then started up recently, again insinuating that there was some sort of court case. 

Since I have actually dealt with other debt collection companies that are reputable, I know that he is phony.
Product: Checking or savings account

To whom this may concern, Please have this information brought directly to the attention of incoming Wells Fargo & Company XXXX XXXX XXXX, CFPB XXXX XXXX XXXX, and other federal and state regulators. Within the attached PDF is information that sheds light on yet another Wells Fargo & Company 's illegal corporate sales and business practices that have caused enormous damage to thousands of consumers around the nation. Put bluntly, Wells Fargo & Company has submitted and maintained hundreds of thousands known to be false and clearly fake information records on consumers and these false records have negatively impacted consumers ability to open a bank account, obtain financial services, etc. What is worse, when Wells Fargo & Company was confronted with these issues, they refused to address them and threatened to sue and harass those who have attempted to bring these concerns to the attention of Wells Fargo & Company and regulators. Please promptly review this information and ensure that Wells Fargo & Company 's XXXX XXXX XXXX XXXX is informed of these problems and take action to resolve the problems and properly disclose the problems to investors.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I have new information regarding this account. 
I submitted a complaint to the cfpb on XXXX, 2022 and Transunion has still not responded to my complaint. 

Transunion is in Direct violation of my federally protected consumer rights. Transunion has gone over 30 days and I have yet to receive a response from the company. Transunion is in default.
Product: Credit card or prepaid card

My consumer rights are being violated with the lack account balance information that your organization provides. A formal monthly statement has not been received via mail or made available online which indicates past monthly payment history including ( 1 ) how payments are applied to my account ( 2 ) potential errors for dispute and ( 3 ) indicate account summaries. 

This lack of consumer information is direction violation of the U.S. Consumer Protection Act including Texas Deceptive Trade Practices Consumer Protection Act ( DTPA )
Product: Credit reporting or other personal consumer reports

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.v
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Credit Card account # XXXX, collection account # XXXX has violated my rights.

15 U.S.C 1681 Section 602 A, states I have a right to privacy.

15 U.S.C 1681 Section 604 A, Section 2 also states a consumer reporting agency can not furnish an account without my written permission.