23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I used to be the XXXX of a company that closed down last year. I continue to get harassing phone calls from this debt collection company threatening to sue me. Now they are calling my wife 's private number. My wife has no association with this company. 
I get XXXX or XXXX calls a day. My wife received XXXX today and is likely to start receiving more now that they figured out what her number is. The debt does not belong to me personally. It belongs to a corporation.
Product: Credit reporting or other personal consumer reports

I AM VERY DISPLEASED THAT I SEE MANY FRAUDULENT ACCOUNTS ON MY CREDIT REPORT.THIS IS REALLY DAMAGING MY CREDIT WORTHINESS. I AM TRYING TO BUY A HOME FOR ME AND MY CHILDREN AND THIS IS NOT FAIR. I HAVE TRIED SEVERAL TIMES TO GET THESE ACCOUNTS REMOVED. LET ALONE, MY INFORMATION WAS IN A XXXX AND EQUIFAX BREACH SOME MONTHS AGO SO I THOUGHT YOU ALL WOULD PROTECT MY CONSUMER REPORT. I DO NOT FEEL THAT MY INFORMATON IS BEING PROTECTED. THIS IS A DEFAMATIOM TO MY CHARACTERAND THIS IS A FEDERAL LAW VIOLATION.ACCORDING TO, 15 USC 1681 [ A ] [ 1 ] [ 2 ] [ 3 ] [ 4 ] MY COMSUMER REPORT FAIRNESS AND PRIVACY HAS BEEN VIOLATED. I AM UPSET! I AM DEPENDING ON THE BANKING SYSTEM AND CREDIT REPORTING AGENCIES TO PROMOTE MY PRIVACY AND FAIRNESS AND THEY HAVE NOT.THIS IS NOT RIGHT AND GOING AGAINST MY FEDERALCONSUMER RIGHTS. CAUSING EMOTIONAL AND MENTAL STRESS NOW.ALSO, IT IS ILLEGAL THESE COMPANIES SHOULD NOT BE FURNISHERS OF PEOPLES INFORMATION TO XXXX PARTYCOMPANIES ITS ILLEGAL, NEGLECT AND FRAUD. I HAVE ALREADY REPORTED THIS TO LOCAL POLICE AND FAIR-TRADE COMMISSION.THESE COMPANIES CAN BE SUED FOR DAMAGES.THIS IS NEGATIVELY AFFECTING MY LIVELYHOOD AND PUTTING ME IN A BAD SPACE. I FEEL YOUR DATABASE IS INACCURATE AND I AM FILING LIGATION AGAINST THIS IF THESE ITEMS ARENT REMOVEDIMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. XXXX and Experian Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX Balance Owed : {$680.00} XXXX XXXX XXXX XXXX Balance Owed : {$2900.00}
Product: Checking or savings account

I put in a stop payment for {$300.00} two days prior to them processing the payment. I was a bit unsure what the check number was and i informed the representative of that. I had 2 checks with me so I let the representative know I wasnt sure of the number. So he says a check number and it had to be the one he said or 1 other. So me thinking he can see the missing check number I agree with him two days later they process the check. They said the wrong check number was on the stop payment. I let them know how everything happened I was going back and forth with them for weeks. My husband spoke with a supervisor and he credited us back the XXXX. They have recently took the XXXX back now my account is negative. My husband was also scammed by a man he was working for he paid him with a fraudulent check now they are holding us responsible now they are threatening to close out account. They also approved a claim for my husband and I for XXXX in XXXX now its XXXX and they are just now saying something
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting false claims on my credit report from a consumer name XXXX. I do not know them neither have I signed any contract with that consumer name XXXX. I have sent in a certified letter to the credit bureau Experian. Letting them know that I have a fraud alert on my credit file, and I also have a credit security freeze. Because someone has my information. What the Experian the bureau told me after I have sent certified and notarized letter to them under the federal fair credit reporting act. The customer service representative told me that I do not have to comply by that law, and that they will keep it on my information credit report. I ask them to show me documentation of what the consumer gave them, because ask them to verify it by letter and not by E-verifying because their is a hacker. Who is getting thing in my name from online through the internet only. I do not know they are. I have called and spoken to the consumer of XXXX they told me that they do not have no contract on file between XXXX and I.  Called several times an ask Experian where are they getting their information from the customer service representative told me from XXXX. I call back Bridgecrest again they told me that the Experian must be getting that information from another online bureau who has wrong information on me because they said that they are not sending thing over to the credit bureaus because I DO NOT HAVE A ACCOUNT WITH THEM NOR DO I HAVE A CONTRACT WITH THEM AT ALL. HELP why is the credit bureau Experian reporting inaccurate information on my file making it hard for me to get a better job. I am a active good traveling man who is trying to work and support my family and fraternity worldwide Brotherhood who is active under United Supreme Council, 33 Ancient and Accepted Scottish Rite of Freemasonary, Southern Jurisdiction, United States of America XXXX XXXX Affiliation Grand Orient, XXXX Tennessee, XXXX XXXX Consistory # 38.  Under Sovereign Grand Commander Illustrious XXXX XXXX. I am in distress. Why is Experian allowing this hacker do this to me. Help, Help, Help!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter along with my identity theft report that explains that I am a victim of identity theft and that there were accounts ( XXXX  XXXX XXXX XXXX {$3700.00}, XXXX XXXX {$0.00}, XXXX XXXX {$0.00}, XXXX XXXX  {$0.00} ) appearing on my report as a result of it. I explained that I'd never given anyone any permission or have any knowledge of the account ( s ) until I pulled my credit reports for review. I've asked this credit bureau to remove the fraudulent item ( s ) from my credit file and requested that they send me an updated copy showing the correction. As of today, the item is still reporting, affecting my credit. It would be of great pleasure if CFPB would assist me in resolve of this matter. Thanks.
Product: Credit card

I checked my credit score and seen that it dropped, I had an inquiry from JPMCB. Someone applied for a credit card in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have follow all the fcra codes to have this account blocked and removed, but this company disregards all the rules.witch puts them in violation of the clear provisions of FCRA 605B ( c ) .the account is XXXX XXXX XXXX  with a balance of XXXX
Product: Debt collection

This company hired by XXXX is back to harassing me via phone calls. They are calling about Americredit Financial Services from a XXXX loan. I filed a complaint with you on XX/XX/XXXXXXXX  and it's close to a year now and they are still calling. The company is threatening legal action again. The first person left a voicemail and her name was XXXX XXXX. The other lady was very rude and her name is XXXX XXXX. The number is XXXX.
Product: Checking or savings account

My name is XXXX XXXX and I am a square user. 

I recently started Processing payment with square and I have over {$14000.00} in my square account from customers. 

But my issue is that when I click on " Balance '', it shows that I have {$0.00} and it says that my account is under review. The issue is that this review is still there and is taking a long time and I'm worried that square has stolen my funds. 

I making this complaint because I want square to tell me exactly when they will allow me to withdraw my funds The email address associated with my square account is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have communicated with all three credit companies about their inaccurate reporting information. Unfortunately, this erroneous information is ruining my credibility, and I would like it removed entirely from my credit report. 
List of inaccurate information : Both XXXX XXXX and XXXX XXXX XXXXXXXX are inaccurate 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( A ) Reporting Information with actual knowledge of errors 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 data is inaccurate. 

Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 
XXXX : a law or regulation forbidding something As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report the canceled debt as gross Income on your tax return. 

The IRS Clearly defines a charge-off as Gross or Ordinary Income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account Inaccurate. 


Both XXXX XXXX and XXXX XXXX XXXX  are inaccurate and must be removed.
Product: Credit reporting or other personal consumer reports

I was unaware of the XXXX increase that was on my XXXX report. I had called and sent documentation to XXXX which XXXX failed to remove the XXXX XXXX, which I file an FTC report.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accounts appear on my credit report, they do not belong to me, please review them Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 
. Identity Theft XXXXXXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine.
Product: Debt collection

This company was notified before it was one years olds to be rerequested with my insurance company for payment I followed back up with them the following month to find that they have not requested the payment from my insurance company now they are telling me its to late for them to request the money from the insurance company
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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. 

The following items do not belong to me and is a result of fraud that I did not authorize : 1. 
XXXX - XXXX Date of inquiry : XX/XX/XXXX 2. 
XXXX XXXX Date of inquiry : XX/XX/XXXX 3. 
XXXX XXXX XXXX XXXX Account Number : XXXX 4. 
XXXX Account Number : XXXX 5. 
XXXX XXXX Account Number : XXXX 6. 
XXXX XXXX Account Number : XXXX 7. 
XXXX Account Number : XXXX 8. 
XXXX XXXX XXXXXXXX XXXX Account Number : XXXX 9. 
XXXX XXXX XXXX  Account Number : XXXX 10. 
XXXX XXXX XXXX Account Number : XXXX 11. 
XXXX XXXX  Account Number : XXXX 12. 
XXXX Account XXXX : XXXX 13. 
XXXX BANK XXXX Account Number : XXXX 14. 
XXXX XXXX XXXX Account Number : XXXX 15. 
XXXX XXXX Account Number : XXXX 16. 
XXXX XXXX XXXX  Account Number : XXXX 17. 
XXXX XXXX Account Number : XXXX 18. 
XXXX XXXX XXXX Account Number : XXXX 19. 
XXXX XXXX XXXX Account Number : XXXX 20. 
XXXX Account Number : XXXX 21. 
XXXX Account Number : XXXX 22. 
XXXX XXXX XXXX Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 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: Money transfer, virtual currency, or money service

I had a Paypal Account that was attached to my XXXX credit card for services. <P/>I paid for XXXX charitable donations in XX/XX/XXXX. XXXX of these went to my XXXX credit card as directed. The second donation went to Paypal Credit/ XXXX XXXX XXXX, which I do not have as I never applied or requested this. <P/>Paypal Credit opened a credit account without my permission. There was an Enforcement Action with you for this problem in XXXX. <P/>I tried to pay this amount off with Paypal as I do not use credit. In XXXX when I called I was told they could not pay this amount off unless I gave them identity information such as social security number, DOB and other identifying information in addition to my credit card number. I refused to give my SS number and birth date so they refused to let me pay off the account that was to have been paid in XX/XX/XXXX/XX/XX/XXXXwith my XXXX. <P/>Since then they continue to charge me large fees, I send a check but it is never paid off as the amount continues to increase.
Product: Debt collection

There is not enough information that this debt is mine, I have already disputed 2 times and Portfolio Recovery Associates can not fully verify this debt with a signature which makes it invalid.
Product: Mortgage

Good Afternoon, We started our refinance back at the end of XXXX and as part of the refinance we had to resubordinate our second loan with SPS. We and my lender started the process and here we are at XX/XX/XXXX and the subordination process still has not been completed.. Title company is calling if not every day every other day to only be given excuses and to be told it will be escalated. 

They had ALL the paperwork they needed on XX/XX/2020 and we were told it needed to go to a third party company to get the assignment of mortgage completed. Why this was not done when we took out our mortgage last year still baffles me. We were told while this process was going on that they could NOT talk to anyone and we were told 45 days for the process to be completed from XX/XX/XXXX. We are at XX/XX/XXXX and the process is still ongoing and they continue to tell us they have not estimated close time. 

In the mean time our appraisal has expired and our lock has expired. We have talked to Supervisor after Supervisor to only be lied too and given excuses ... 

Some of the names are : XXXX XXXX XXXX XXXX There have been NUMEROUS others that we didnt write the names down because we did not realize it was going to get to this point. 

There should be absolute transparency when dealing with these companies and they have delivered none and keep passing the buck as to who is responsible for the delays. They have a legal obligation to complete subordinations in a timely manner and they have failed!
Product: Credit reporting, credit repair services, or other personal consumer reports

I provided documentation and a request to the credit bureaus via XXXX Certified Letters with tracking numbers XXXX, XXXX, XXXX on XX/XX/2022, to remove personal information that I do not want on my credit report. In accordance with the Fair Credit Reporting Act 15 USC 1681, I have the right to privacy and 15 USC 1681 Section 604 A Section 2. States that a consumer reporting agency can not furnish an account without my written instructions. Also according to 15 USC 6802, no financial institution is permitted to share my information to any third parties. This is a violation of my federally protected consumer rights. 

XXXX - XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX  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 card or prepaid card

Friday XX/XX/XXXX -my card was pick pocketed around XXXX in XXXX XXXX -I  was using it for retail shopping, a few minutes later I noticed my card was missing -I immediately checked online and noticed an unauthorized trasanction -The retailer XXXX  XXXX was steps away transaction amount {$300.00} -I immediately entered XXXX, they confirmed my card was used by a lady -I immediately notified Citi who cancelled my card and mailed me a replacement As of today XX/XX/2021 the charge from XXXX  for {$300.00} was still on my card, Citi has not removed the charge, to protect my credit worthiness I was forced to pay the amount since I pay the card in full every month. I've tried many times to call Citi and continue getting transferred around until eventually the call is ended by dead air.
Product: Debt collection

I sent this collection agency a validation of account letter on XX/XX/19 trying to get information about the original creditors. I asked that they provide me with documentation showing the original creditors, account number, complete payment history. I also requested documentation showing that I agreed to pay the past due amount on this account, any agreements that were granted authorizing them to collect this alleged debt because Ive never had any written or verbal contract with this agency. The only information I was sent was original creditors address, account number, and balance. They didnt provide any clarification showing how this alleged debt was calculated or my responsibility for this account. I disputed the original creditors file on my credit report and when they couldnt provide me with the information asked for they were deleted from my credit report so they decided to give the alleged debt to this collection agency who like I said before Ive never had any sort of contract with to collect on something that they havent provided any accurate information about this alleged debt. This agency is continuously running this alleged debt every month on my credit report damaging my score which isnt fair because they have failed to provide me accurate information. Would someone please assist me in correcting this matter.
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 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 or other personal consumer reports

Dear Sir/Madam, I am writing to file a formal complaint against Experian and XXXX regarding an inaccurate account appearing on my credit report. The account in question is listed as follows : XXXX XXXX XXXX XXXX XXXXXXXX ( {$1000.00} ) The account listed above is inaccurate/incomplete/fraudulent, and I believe it has been incorrectly reported by both Experian and XXXX on my credit report. This account was never opened by me. I have already made several attempts to dispute this information directly with Experian and XXXX. Despite these efforts, the inaccurate account remains on my credit report, which is negatively affecting my credit score and overall financial health.
Product: Credit card

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. 
SYNCB/AMEG D 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX, FL XXXX
Product: Credit card or prepaid card

On Tuesday, XX/XX/XXXX, I received a text stating that my Chime card had been delivered and was in a green envelope ( NOTE : I never received this card or requested it ). I immediately contacted Chime customer service to report that I'd never requested a Chime account ; after repeated attempts via telephone, and no directions on their IVR prompt to either XXXX speak to a representative ; and/or ; XXXX report suspected fraud ( there is no IVR prompt to report fraud ), I did some research to see if they have an online portal or dedicated fraud phone line to report such incidents- of note, I was unable to locate any way to report this issue. Thus, as directed by their IVR, I sent an email to XXXX ( which allegedly offers XXXX support ) on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. After no response, I went on XXXX to determine who is their Compliance Officer and was able to identify an XXXX XXXX ; I provided the following information ( on Thursday, XX/XX/XXXX ) : " XXXX XXXX : I have sent three different communications to the XXXX email box reporting that I received a text that my Chime Debit card was delivered. I provided to them that I never applied for the card and that I needed confirmation that it had been deactivated/cancelled immediately - that was Tuesday morning and still no response. In addition, as a XXXX XXXX XXXX myself, I am pressed to understand why the toll-free line does not provide any human contact or even an electronic way to report fraud and have it addressed timely. And, no compliance contact either to escalate issues such as this when it occurs. I have multiple mechanisms which allow non-compliance, or potential fraud ( which I also own within my organization ) or privacy incidents which may need to be addressed. I would appreciate your support here in assisting me with addressing this matter. I am concerned that perhaps someone has received a card, may use it for nefarious reasons and/or if they have also somehow now gotten my bank account information. Please let me know. '' I'd appreciate the agency please looking into this for me as I fear I've been compromised and they are not responding. Thank you.