23daVinci/CFPB_Complaints huggingface dataset:
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 any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of 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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$760.00} ), XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX, XXXX, XXXX {$470.00} ), XXXX XXXX  ( XXXX XXXX. XXXX, XXXX, Credit limit {$500.00} ) Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the XXXX. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are XXXX your power under the XXXX to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX {$0.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States XXXX has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within XXXX days. I therefore legally and lawfully refuse your " form letter '' thus giving you only XXXX days not XXXX more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Money transfer, virtual currency, or money service

Blockchain stole my funds over {$3000.00}. I sold XXXX for over {$1500.00} and was supposed to receive USD in return I have not received it. I contacted the customer support they said my funds are safe with then and a different department will contact me. It has been XXXX month and no one has contacted me, I have sent all the documents showing the transactions which they have confirmed. I have sent over XXXX emails and no one is answering me. Today I got another email stating that they suspended my account so the remaining funds over {$1500.00} in my account I do not have access to. So I have no other choice than to believe that they have stolen my funds.
Product: Debt collection

XX/XX/2019, {$620.00} I have tried to dispute this debt, I have no knowledge about My address is XXXX XXXX XXXX XXXX, XXXX, Wisconsin XXXX I have no knowledge of this account.. please delete this from my file
Product: Credit reporting or other personal consumer reports

This company is reporting a collection on my credit report as account # XXXX from XXXX XXXX XXXX I have not supplied proof under the DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. 
I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC1681-B2, this company has no permission to report my information per 15 USC 16814 .
Product: Credit reporting, credit repair services, or other personal consumer reports

I received your response that you wont process my to dispute inaccurate information because you believe it didnt come directly from me or are claiming that Im working with a third party or credit clinic. Lets get the record straight!!! Im the one whos disputing this information. The information Im disputing is INCORRECT & I NEED THIS MATTER HANDLED IMMEDIATELY. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the DATA FURNISHER had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth, and SSN #. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and the author of this complaint. 

There is an Original Complaint with XXXX XXXX, and the ID is XXXX. That complaint was created because of missing data on this tradeline, and inaccurate data. 

This complaint is in regard to the same issues - except this time, I am including one of the CRA 's on this complaint - so I do not become its middle man. Each time I dispute has been lodged - both XXXX XXXX, and the CRA 's point their fingers at each other. 

XXXX XXXX  XXXX Original Creditor ) - I am relying on the rules that govern you, as a Data Furnisher, and acting on your own behalf as the Debt Collector on this account. 
https : //www.ecfr.gov/cgi-bin/text-idx? c=ecfr & SID=89d50ede6e4072bde4d4a944a89bd200 & rgn=div5 & view=text & node=16:1.0.1.6.77 & idno=16 # se16.1.660_13 In this dispute - the CRA, will be Equifax, and for EQ - I am wholly relying on FCRA. 

https : //www.ftc.gov/enforcement/statutes/fair-credit-reporting-act I am attaching screen shots of my Credit report and then from Equifaxs

2 sources, and as noted below.

My Equifax ( MyEQ in this complaint ) - and XXXX  ( XXXX  in this complaint ). 
https : //www.equifax.com/personal/education/credit/score/debt-to-credit-ratio/ - 1. The Account Number is NULL, or Blank on the raw credit report, XXXX from Equifax 2. This Account Name states that this account is CLOSED. 
3. This XXXX is then also reporting Available Credit and it can not /should not. 
4. As a result, this XXXX is then reporting, Debt to Credit Ratio, when it can not /should not. 
5. XXXX Reported BalanceXXXX = XXXX Percent you are erroneously calculating/reporting 6. The Pay History - remains incomplete/Rating is incomplete, but it was reporting previously. 
7. The Balance History is nonexistent. 
8. Please ensure the Balance History and Pay History is complete and then accurate on this tradeline leaving these values NULL/Blank, makes this inaccurate and incomplete 9. Of whats reporting, the start date for 30 days, are reporting differently in each report ran on the same date, and again From XXXX and then MyEQ 10. Only one can be accurate. Please see attached. 
11. The FCRA/DOFD can then not be accurate and based on the two - 30 marks, in Pay History. 
12. Please resolve the Pay History to be accurate, and to reflect the actual DOFD/FCRA Date 13. Then it remains impossible to be 120 days late in one month, and then 120 days late in the next please resolve 14. There is then a Credit Limit on this closed account, that I do not believe can be reported, additionally this is where you are erroneously calculating a Debt to Credit Ratio from. 
15. Because this account is charged off/closed, I do not believe there are applicable TERMS that can be reported 16. Creditor Classification is Unknown and should not be, please assign a valid value. 

While this Tradeline has been disputed previously - it lacks the Disputed tag - please ensure this is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is some arr, XXXX on all three credit bureaus XXXX  and Equifax  and XXXX  fed loan service, XXXX all three collage, XXXX over charged me for class, XXXX I did, t take and one of the collage was XXXX XXXX XXXX in XX/XX/XXXX up to XX/XX/XXXX and at stray university in XXXX and at XXXX XXXX university online in XX/XX/XXXX up up to XX/XX/XXXX they had put me on ackademick probation because of the latter or what not and i had to withdraw because i had to of my uncal, XXXX that died in back to in XX/XX/XXXX and the review board said I had to right them a latter about what had happed to my two XXXX, XXXX and I did but they would not take what i tryed to expland them i the latter but the review board turned down my latter and put me out of school and that is why I'm fileing a complaint agent, XXXX XXXX  XXXX university onlne.
Product: Checking or savings account

I have been struggling with PNC Bank and there ridiculous overdraft fees and nonsufficient funds fees. I have paid in excess of {$1200.00} in fees due to Payday loans ACH and automatic withdraws that I had asked to stop payments on. They said that it was not possible to stop these payments when I had asked before. But after doing some research, I discovered that I had been opted out of their overdraft protection feature by default after I had asked if there was a way to stop automatic withdraws and them telling me no. Had I been made aware that this was an option this overdrafts fees and insufficient fund fees would have never been inflicted sending me further into the red. I have made several calls and spoke with PNC asking to overturn the overdraft fees but they only have an allowance of 1 {$36.00} fee to be overturned. I have paid 15 in the last month, this is just another classic example of a big bank taking the consumers hard earned money unjustifiably to add to their 8 % of annual revenue in overdraft fees.
Product: Debt collection

I took out an installment loan through Balance Credit online. I paid it until COVID. I communicated with the company on numerous occasions and made partial payments. I was working on a settlement agreement with them and did not receive their last email due to it going to my spam folder. I contacted them and was told that my account was sold to XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. The number I was given to contact went to a lady who simply answered hello. I hung up. I was refused the address to the collection agency. I believe this to be a scam. The phone number they provided does not match either of the named companies above. I am now receiving phone calls from a number in my own state with vague details and threats of legal action if I do not call back and settle within 72 hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received 2 different alerts on different days ( XXXX XXXX on XX/XX/22 and XXXX XXXX on XX/XX/22 ) from 2 different credit monitoring companies XXXX XXXX XXXX through XXXX XXXX XXXX and XXXX XXXX through XXXX  XXXX XXXX XXXX advising me that my score had dropped significantly. ( XXXX XXXX ( Transunion ) XXXX to XXXX XXXX point drop and XXXX XXXX XXXX XXXX Transunion XXXX XXXX to XXXX point drop. I am unable to reach a live person at neither companies. So, I called XXXX and spoke to XXXX to ask how I could reach them, she advised that she " googled '' their contact information and advised me to go on line and submit a question to them which I had already done and no response as of this note. I asked her to have a supervisor call me back, no one has called me back. I also called Trans Union directly, I spoke to XXXX ( requested a supervisor to call me back on Friday XX/XX/22, no call. I called back today XX/XX/22 and spoke to XXXX XXXX in the XXXX XXXX dept. ) which I asked him to transfer me to a supervisor in the US because him and XXXX basically sounded like they were reading from a script and could not tell my why there was such a large drop in my score when there had been no late payments, or anything that would speak to the large drop. I did have XXXX hard inquiry but that only speaks to a few points. XXXX transferred me to XXXX in the US a and she could not explain the drop. All 3 of them told me to contact the credit monitoring service which I have been unsuccessful in reaching a live person. I was even advised to go to www.annualcreditreport.com. When I asked why and stated that the website would not be able to tell me why my score dropped I received silence. I'm getting bounced around and not getting answers. I asked XXXX to have her manager call me since she was not telling why the drop happened, she only gave possibilities, nothing specific. I want my credit score restored. This has impacted my me and caused a lot of stress over the last 4-5 days. I need answers. XXXX XXXXused the XXXX XXXX scoring model and XXXX XXXX uses XXXX XXXX XXXX scoring model. Please help me. It is outrageous and unfair to ask an everyday citizen to fix a problem like this. Service is definitely lacking with every person I spoke to. I honestly thought I would get this resolved but after 10+ calls and no return calls I hoping you can help me.
Product: Credit reporting or other personal consumer reports

Hi, I am really concerned about a credit inquiry on my report which I believe to be fraudulent, as I don't recognize it nor have applied for it. I didn't authorize or consent to this company accessing my information, it's causing me undue stress and XXXX.
Product: Credit card or prepaid card

Someone stole my identity and used it I did not give anyone authorization to use any of my information can you please help
Product: Debt collection

an unpaid utility bill that I can not pay ( {$310.00} ). renters in my home left this unpaid. I am XXXX and can not pay.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have been a victim of a data breach, and as a result, there are unauthorized accounts and inquiries on my credit report. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that all accounts and inquiries mentioned below be immediately blocked and deleted from my credit report. 
Accounts to be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$920.00} Unauthorized Inquiry to be Blocked and Deleted : XXXX. XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this accounts while over 30 days ago with no response
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX this this company charged off a debt that I did not owe and sent it to a collection company. They forfeited they rights and they went against my rights and FCRA rights thank you sincerely
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the Credit Bureaus to remove the unauthorized inquiries and inaccurate information that are found on my report. But still those inaccurate items are constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. 
Inaccurate address : XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX EMPLOYER : XXXX XXXX Date Updated : XX/XX/2022 INQUIRIES XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to you all on last year regarding some accounts on my credit that are not mine. I have been trying to help my son get a car and also purchase a home and the Bankruptcy on my credit is not mine along with XXXX XXXX  XXXX now.
Product: Credit card or prepaid card

American Express has violated my rights as a consumer. They have broken the law and the Equal Credit Opportunity Act ( ECOA ). I have been discriminated against more times than once. This is my final attempt to rectify the situation before heading to a federal courthouse. I have provided proof of the violation in the letter response that they provided me.
Product: Credit reporting or other personal consumer reports

My Experian credit report contains errors that should never have been reported in the first place, and I find this completely unacceptable. The presence of these inaccuracies raises serious concerns about the reliability of Experians reporting system. These mistakes are directly affecting my financial stability, and I refuse to let them go unchallenged. 

As a consumer, I have a legal right to a credit report free from false or unverifiable information. The Fair Credit Reporting Act ( FCRA ) mandates that all reported data must be accurate, and any errors must be corrected immediately. I am demanding a thorough investigation into these discrepancies and expect immediate corrective action. Delays will not be tolerated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Prepaid card

I MADE SOME PURCHASES THROUGH CAPITAL ONE WHICH WAS GIVING CASHBACK AND CONTAINED MANY PROMOTIONS, I MADE SOME PURCHASES AND FOR THE RESTATE IT WOULD BE THROUGH GIFT CARD, ON THE DATE SCHEDULED TO REDEEM THE GIFT CARD, I WAS NOT ABLE TO MAKE IT. I CONTACTED CAPITAL ONE FOR ADVICE AND THEY SAID MY ACCOUNT WAS BEING CLOSED DUE TO THE REASONS BELOW : We regret to inform you that your Capital One Shopping account has been terminated. We retain the right to terminate your account for any of the reasons described in our terms of service. Termination commonly occurs for one of the following reasons : A user attempted to obtain referral-based Shopping Rewards based on creation of duplicate accounts, fraud, or through other impermissible means outlined in our terms of service A user used Capital One Shopping in a manner consistent with the reselling of goods or services A user attempted to redeem Shopping Rewards for which they were not eligible A user engaged in other impermissible activity outlined in our terms of service.

THE BONUS PURCHASE FROM XXXX XXXX XXXX XXXXXXXX WAS BONUS 2X, WHICH WAS NOT MY ERROR, BUT THE SYSTEM 'S. I SENT ANOTHER EMAIL ASKING THEM TO RE-EVAL
UATE AND THEY COULD DISCLASSIFY THE PURCHASE WHICH WAS 2X BONUS, WITHOUT ANY PROBLEM, BUT I WOULD LIKE TO AT LEAST OBTAIN THE GIFT CARD FROM ANOTHERS PURCHASES, AS I HAD MADE OTHER PURCHASES SUCH AS XXXX, XXXX XXXX, XXXX XXXX XXXX AND OTHER THINGS, SO THEY RETURNED MY EMAIL SAYING THAT THERE WAS NOTHING THAT CAN BE DONE AND THAT MY ACCOUNT WILL REMAIN CLOSED.
Product: Credit reporting or other personal consumer reports

I sent a dispute to equifax about information that was incorrect on my credit report, and they did not fix the problem.
Product: Checking or savings account

Chime is purposely not sending the XXXX that was left in my account. They unfairly closed it XXXX XXXX
Product: Payday loan, title loan, or personal loan

On Friday, XX/XX/2018, XXXX XXXX of XXXX AL violated my privacy by coming to my home and leaving a collection letter with my husband because I was not home. My husband is not on the loan. I actually never applied for a loan with the company. They also call and leave messages multiple times a day everyday Monday through Friday. They sent a live check to my home due to some kind of pre-screening and I dont even know how they got my personal information. Due to my job closing down money was tight so I deposited the check. I have been unable to pay it back for the same reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX card charged off in XX/XX/XXXX. I was sent a 1099-C in XX/XX/XXXX. This account is reporting opened and resolving and is still affecting my utilization even though it was canceled. Ive made 3 phone calls to XXXX since the 1099-C to ask to make a payment In full so it stops affecting my FICO utilization. They say it is canceled and there is no way to pay my balance. 

So if the debt is canceled and they wont let me pay how can this balance be revolving utilization?