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

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information or items that do not belong to me. 
Please block/remove these : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I mailed a request to National Consumer Telecommunications & Utilities Exchange ( NCTUE ) Exchange Service Center for my disclosure report and score. The CFPB XX/XX/2018 " List of consumer reporting companies '' states for NCTUE : " The company will provide one free report every 12 months if you request it. '' I have never requested or received this info from NCTUE before. In response, I received a letter from " XXXX XXXX XXXX XXXX '' demanding {$11.00} and {$7.00}, respectively, for the info. Why is NCTUE refusing to provide the info for free?
Product: Debt collection

To whom this may concern : On XX/XX/XXXX, I received a paper letter from " XXXX XXXX, XXXX '', a collection agency, in regards to a debt of {$2200.00} owed to PayPal. I have a current account with PayPal that has no apparent association to this debt. In this letter it is indicated that the debt is too old to sue for but could be " renewed. '' Immediately I contacted PayPal on this matter, was transferred to a representative I was told was in a department who handled fraud, and I e-mailed a copy of this letter to XXXX. I was told a fraud investigation would be undertaken and I could contact PayPal at my leisure in regards to this matter. 

About 5 years ago my identity was stolen and used to open utility accounts and other accounts without my knowledge, so when I finished speaking to PayPal I also filed a complaint with the Better Business Bureau and the Consumer Financial Protection Bureau ( CFPB ) to take all steps to enure my identity is protected and this matter is investigated to the fullest extent of the law. Today, XX/XX/XXXX, I received a follow up from CFPB with a response from XXXX XXXX , XXXX., who indicated that they had investigated this supposed debt, found there to be evidence of potential fraud, and returned the debt the PayPal Inc. With this new information, I contacted PayPal customer service who could not find any evidence of a fraud investigation being undertaken by PayPal in regards to this matter and referred me to the Collections Department, who mysteriously were unavailable and my call was dropped. 

I have no knowledge or record whatsoever of the debt to PayPal , Inc., nor can I understand how after spending so much time on the phone with PayPal on XX/XX/XXXX that no record exists of my fraud complaint. As of the the composition of this notice, I have spent more than 6 hours on and off the phone with PayPal Customer Service in regards to this false debt with PayPal having yet to take action as a result of those phone calls, and at about XXXX on XX/XX/XXXX I have e-mailed PayPal 's resolution center in another attempt to get a serious response to address this issue and have to now only received an automated message indicating the message was received and will be reviewed. 

I can not accept or allow XXXX to attempt to collect a false debt of {$2200.00} with the potential of having effect on my credit which I have spent the past 7 years rebuilding after I was a victim of identity theft between XX/XX/XXXX and XX/XX/XXXX. I wish to resolve this matter and am prepared to take whatever steps are necessary to ensure this matter is resolved, thank you for your assistance. 

Respectfully Submitted, XXXX XXXX
Product: Checking or savings account

My name is XXXX XXXX. I have an account at US Bank. I have in the past had problems with US Bank over drafting my account even when my preferences are set for my card to decline if the account has insufficient funds. I took all the money out of my checking account save {$6.00} on XXXX XXXX, 2017 with plans to close the account later on. Due to past terrible experiences ( I have attached an email detailing those experiences to this complaint ), I put it off until I recently checked it and found that it was {$100.00} overdrafted. This was due to a {$6.00} payment taken out by a company that I had changed my payment method with, but who apparently did n't change over my payment information for this new card even though I inputted it as my preferred payment method. While they refunded the initial overdraft fee due to this payment, there was still a {$.00} deficient that they charged on now from XXXX XXXX to XXXX XXXX. This deficit should n't have existed at all since I was made to understand that the account was set up to not except payments that over drafted the account. It was also was previously set up with 'over draft protection ' meaning it would take from the associated savings account if the checking account did n't have enough funds, which would have in this case, made it where the account did n't over draft. Meaning that even if neither of the two times I went in to correct the problem of my account over drafting worked, this problem still should not have existed in the first place.
Product: Debt collection

XXXX XXXX information in my credit is not accurate, the balance of {$1000.00} is not mine. I never had this account. needs to be remove from my credit report asap and also XXXX XXXX is not my account .they showing a balance in my account of {$1500.00} please needs to be removed from my credit report
Product: Credit card or prepaid card

I've been a customer for several years with XXXX XXXX and have made my payments on time. My initial credit limit was {$500.00} and decreased to {$150.00} today, XX/XX/XXXX. It's ridiculous how my credit line was dropped in XXXX from {$330.00} to {$200.00} and now to {$150.00}. Every time I have available credit of at least {$75.00} or more, my credit limit decreases. My credit score dropped 45 points from the previous decrease,, and I can imagine what it will be now that they've done it again. I've never in the history of having credit have experienced multiple credit line decreases in less than 6mos from a creditor. This is why I don't use the card now and will consider closing it after paying it in full. I called this morning and spoke to XXXX and he wasn't able to assist. Also, they didnt notify me prior to the change in my account. Its always when my new statement generates.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX, irs, XXXX tool my identity and been using my social for over sites and markets. My name is XXXX XXXX XXXX, # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my recent credit report. I noticed unauthorized credit inquiries made by the following company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, I did not give EXPERIAN permission to furnish this information onto my credit report. This is a violation of the FCRA Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. Please validate this information with this company and provide me with copies of any documents associated with this account bearing my signature, authorizing an inquiry. I also demand of any such documentation bearing my signature, I formally requested that this unauthorized inquiry be immediately deleted from the credit file you maintain under my social security number. Please note that you have 30 days to produce the requested contract and to complete this investigation, As per the fair Credit Reporting Act Section 611.
Product: Credit reporting or other personal consumer reports

I looked at my credit report back on XXXXXXXX XXXX2024 and noticed some things VERY inaccurate and according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates I sent a letter to Experian INDIVIDUALLY asking them for full reports on how they validated, verified & how they are in compliance also I asked for Concrete evidence of this account such as signatures etc of these accounts listed below XXXX XXXX XXXX  XXXX [ Account Number ] [ XXXX ]. Open date is not reporting correctly, Date last active, Date of last payment is not correct, this account is not accurate in any shape or form. 
They have not responded to me and heres my tracking number [ XXXX XXXX XXXX XXXX XXXX XXXX ]
Product: Debt collection

I pulled my credit reports today, XX/XX/XXXX, and noticed fraudulent activity. There should be no accounts, only my student loans. Earlier, I called the account creditors to let them know these are fraudulent accounts. The accounts are listed below. 

- XXXX XXXX in the amount of {$3700.00} was opened on XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX. 
XXXX XXXX XXXX for {$610.00} date opened is unknown. 
XXXX XXXX for {$4800.00} dated opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$1400.00} date opened unknown. 
XXXX XXXX XXXX XXXX  XXXX the amount of {$910.00} date opened unknown I did not open these accounts.
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which were involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. The following accounts need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 

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

I have 2 hard inquiries on my credit report from some place called Syncb/XXXX XXXX in XXXX, FL. One is  from XX/XX/XXXX 2018 and the other from XX/XX/, 2018. Their phone number is listed as ( XXXX ) XXXX. I have no idea who or what these are, and they should not be listed in my credit report either. It seems to me my credit was improperly handled and misused by whoever this company is. Can you please take steps into investigating this, and have them remove these from my credit reports, please? 
I am having the same issue with a hard pull from XXXX XXXX in XXXX XXXX XXXX UT on XX/XX/XXXX2018. I am not sure if they are pulling it on their own, or if someone is doing it without my knowledge. Please investigate this one also, and ask them to remove it from my credit reports. Their phone number is listed as ( XXXX ) XXXX. 
Any assistance is greatly appreciated!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX chargeoff on my report The lender must file Form XXXX and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union , federal government agency, or other applicable entity as discussed earlier in chapter 1. The continued reporting of this inaccurate information is a clear violation of the Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information.

You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account from my Consumer report.
Product: Credit card

I am writing to formally file a complaint regarding JPMorgan Chases recent actions of closing all of my credit card accountsboth personal and businesswithout any valid explanation. I have been a loyal customer of Chase for many years, and this sudden and unexplained closure has caused significant disruption to my financial life and business operations. 

In addition to my credit card accounts, I have a business checking account with Chase, where I currently maintain a balance of approximately {$200000.00}. Despite my long-standing relationship with Chase, the closure of my credit card accounts was executed without any prior notice, and no reasonable justification has been provided for these actions. 

Given the circumstances, I am requesting that Chase reopen all of my closed credit card accounts promptly. Should this issue not be resolved in a satisfactory manner, I will be forced to reconsider my banking relationship with Chase and may transfer my business elsewhere. 

I kindly ask for your assistance in facilitating a fair resolution to this matter, and I look forward to your prompt response. 

Thank you for your attention to this issue.
Product: Mortgage

NationStar Mortgage located in XXXX TX has been calling and writing letters harassing us about our Mortgage payments. Our original mortgage company was acquired by NationStar and XXXX located in XXXX XXXX sent a payment to them. NationStar is now requesting our bank statements. We have confirmed with both parties via telephone that all payments have been made. Nationstar continues to call us daily looking for more money. they are not providing any invoices for monthly payments. The call center is located in the XXXX and every time i request to speak to a manager they seem to be in an emergency meeting. This is looking more and more like mortgage fraud, our credit is being ruined. They are requesting bank statements and still not fixing the issue.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX XXXX, Equifax. Has cause damage to my Honorable name XXXX XXXX XXXX reporting XXXX accounts in XXXX XXXX XXXX XXXX and Social Security XXXX XXXX I XXXX XXXX XXXX, XXXX man, Secured XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX is XXXX that XXXX XXXX XXXX XXXX their records and recording be changed to reflect perfect Credit score per XXXX XXXX XXXX XXXX credit needs to be extended per my Constitutional Rights. If any documents are need for proof of XXXX provide email and written notice. Thank you for up holding your Oath to the XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed bankruptcy. It was discharged on XX/XX/2022 and I still have to credit cards that were included in my bankruptcy that are on my credit report which is hurting my credit and making it hard to rebuild my credit. I disputed them on experian and all that was changed was a note with the bankruptcy. They are still in my credit report when they should not be. The creditor is XXXX XXXX for {$2500.00} and XXXX XXXX  XXXX for {$500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint # XXXX was filed and CFPB received the response from XXXX and they did not investigate these accounts that are reporting in error and fraudulent. 

CFPB, FTC and FCRA needs to regulate its authority over XXXX, XXXX and Trans Union for responding with false statements that say theyre investigating errors on credit reports. 

ATTACHED IS LETTERS PROVING THEY DID NOT INVESTIGATE! 

XXXX XXXX is reporting a fraudulent account on my credit report and its been 45 days since my second letter demanding them to prove that the account belongs to me and they have not responded, XXXX XXXX did respond and closed the fraudulent claim. The XXXX XXXX XXXX XXXX accounts are closed but still reporting the fraudulent accounts on my credit report. XXXX refuses to follow the FCRA guidelines and investigate fraud and errors. I will provide each letter I have received from creditors to prove XXXX DID NOT INVESTIGATE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accounts that does not belong to me and i want it to be remove from my credit report. 

XXXX 1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX  This is not mine.

2. Identity Theft XXXX XXXX Date of inquiry : XXXX  This is not mine.

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

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

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

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

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

XXXX  1. Identity Theft 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.

XXXX  1. Identity Theft XXXX Account Number : XXXX  This is not mine.

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

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

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

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

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

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

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

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

10. Identity Theft BEST EGG Account Number : XXXX  This is not mine.

11. Identity Theft XXXX  Account Number : XXXX  This is not mine.
Product: Credit card

I had a care credit card for dental service in XXXX. I signed up on XXXX/XXXX/XXXX for a total payment {$1700.00} an agreement to pay {$160.00} for 12 months ( no interest within the Promotion Period ) .with G.E. Capital. It is auto-pay from my Bank checking account. Everything was all set. I did received G. E. Capital 's payment confirmation regarding the transaction was done. Until last month I found out one transaction was n't recognized. it charged me monthly {$57.00} from Synchrony Bank. ( they take over G.E. Capital ). so they did keeping on charging me monthly since XXXX for 4 years. It is over {$2500.00}. when I stop payment on XXXX XXXX. They delinquent my account and place a collection agent. now they demand {$3000.00}. to settlement. I thought it is scam. It 's unfair. Please help me. 
XXXX ( XXXX ) XXXX or XXXX.
Product: Debt collection

I had a XXXX # XXXX issued by XXXX XXXX XXXX It was paid. I want the debt collector Firstsource Advantage , LLC, ( XXXX XXXX XXXX XXXX, XXXX, NY XXXX, XXXX ) to acknowledge this on my credit reports. Thank you. 

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

Dear Consumer Financial Protection Bureau, I am filing a complaint against Equifax for violating the Fair Credit Reporting Act ( FCRA ) Section 605C related to a human trafficking submission I made. On XX/XX/year>, Equifax received my submission, which required them to block adverse information from my credit report within four business days as mandated by law. Despite this requirement, Equifax has failed to act or communicate with me about this matter. 

Attached is documentation, including the CFPB Complaint, which confirms that Equifax received my submission on XX/XX/year>, but has not complied with the FCRA 605C requirements. 

I am requesting that the CFPB take action to hold Equifax accountable for this non-compliance and ensure my rights under the FCRA are protected. 

Thank you for your attention.
Product: Credit reporting or other personal consumer reports

PLEASE SEE ATTACHMENT FOR DOCUMENTS I WOULD LIKE THE ADDRESS THAT'S REPORTING TO MY CREDIT TO BE DELETED, THE ADRESS IS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX PLEASE DELETE THE XXXX ACCOUNTS REPORTING ON MY CREDIT -XXXX ( AUTO LOAN ) XXXX XXXX ( PERSONAL LOAN ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX will not remove these inquiries from my credit report that i did not authorize, i have contacted them several times with no help at all. XXXX XXXX-XX/XX/XXXX and XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX- XXXX XXXX, XXXX and XXXX XXXX, XXXX XXXX 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 XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am not liable for this debt with XXXX plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$770.00}
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX {$1000.00} XXXX  XXXX XXXX {$440.00} XXXX XXXXXXXX XXXX {$710.00}
Product: Debt collection

Procollect is continually reporting a debt that is not mine to XXXX and XXXX XXXX XXXX. I have contacted them several times to ask for validation. I dont have a contract with this company
Product: Credit reporting

This is a continuation from earlier, This retaliatory ( eviction ) Unlawful detainer, to evade laws and accountability, has some incompetent jurisprudence/bias, and these stupid blunders from county clerks, hurried up and reported subreption, idiots!!!! LIKE I said earlier with transunion 's blunder, ALL ___XXXX credit reporting agencies____ need to be accountable. There arbitrary denial to allow me to view online, unless I pay. OTHERWISE I have to wait until XXXX, 2015 to legally get a report free of charge. This XXXX slumlord was reported to XXXX code inspectors for countless state law violations, of trying to defraud me with unrentable worthless property. This XXXX retired XXXX decided to abuse his authority and my due process rights and rewarded criminal negligence, fraud, and tortious breach of implied warranty of habitability, NOW I appealed this to the California XXXX XXXX XXXX, this careless idiot, circumvented irrefutable proof. Hardly a rock solid case against myself and my wife ( OBVIOUSLY THE INJURED PARTY ) bias/incompetence and judicial misconduct does n't allow this sloppy, inaccurate, harmful errors!! LOT of controversy here. PLUS, I have rented 35 years, NEVER been evicted. emphasis added. I do n't start now, because I moved to an homeless dreg, no income town, full of complacent slumlords, and sloppy code compliance, this defunct city of XXXX, ca is also grossly negligent, breach of there statutory duties. INTERTWINED ISSUES, DISGRACEFUL XXXX OF JUSTICE. Incompetent reporting of deceit to harm me and my wife is a TORT violation.
Product: Checking or savings account

Chase Bank locked me out of my account as of XX/XX/year>. Almost all banking now is done on line and I can not access either my checking or savings accounts unless I agree to two agreements over one hundred pages changing the terms of service, taking away rights to access the courts, forcing arbitration, absolving itself from liability for security breaches, and containing power of attorney clauses all of which I do not agree to and Chase does not provide any option to opt out of these terms. Also, you should not have to read hundreds of pages of dense contract language that deprive you of rights and provide Chase with a one sided opportunity to coerce you into agreeing by locking you out of your accounts. I have been a Chase customer for nearly 20 years and I have never seen such a brazen attempt at abridging customer rights with a complete disregard for the customer 's need to be able to access their accounts that they rely on to pay bills and make transactions. This is the exact type of behavior that the CFPB should protect against and Chase should be prosecuted and fined.