23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX Social Security XXXX : XXXX Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. 

This fraudulent, inaccurate, and false information includes : A personal credit card account opened at XXXX XXXX on XX/XX/XXXX, under the account number XXXX, with a balance of {$320.00}. 
A personal credit card account opened at 1st Credit Card Service on XX/XX/XXXX, under the account number XXXX, with a balance of {$190.00}. 
A collections account opened at XXXX XXXX on XX/XX/XXXX, under the account number XXXX, with a balance of {$2500.00}. 
A collections account opened at XXXX on XX/XX/XXXX, under the account number ( private ), with an amount of {$690.00}. 
Additionally, the following hard inquiries on my credit report are fraudulent : XXXX XXXX XXXX I have attached a copy of my consumer credit report maintained by you, showing the aforementioned fraudulent items, as well as a detailed list of the hard inquiries in question. 

I do not recognize these accounts, collections, or hard inquiries as reported. These items were not opened, made, or initiated by me, and they are the result of identity theft and fraud. 

As further proof, I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) filed with the XXXX Federal Trade Commission, confirming that these consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I needed to lift my security freeze. Logging into Equifax services, I could not log into my account. I tried the reset password line, but never recieved a email on how to reset my password. Going into the system to get help your asked a series of questions. Some was so vague that I did not know what they wanted for a answer. I spoke to a representive but they won't help you over the phone. They wanted a copy of my drivers license and SSN card to help. It has to be mailed for faxed. I faxed a cover letter asking for my Freeze to be lifted temporarly and my account be fixed. 
On XX/XX/XXXX, Today I recieved a letter saying my freeze was lifted, but the agents still won't fix my account. Im still having problems answering there questions as they are so vague. They requested another copy of my SSN card, she said she couldn't read it, even thought they lifted my freeze. It take 7 businnes days to get a response from the fax. To make it worse the repensentive was laughing when I got uspset. 

They need to make there questions more presice and the agents training.
Product: Checking or savings account

Was allowed to use card to make purchases with enough money showing, then was told not enough was there and was hot with over draft fees multiple times
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Name : XXXX XXXX Wrong Addresses : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX CT XXXX, FL XXXX XXXX XXXX XXXX XXXX AV XXXX, FL XXXX Employer : XXXX  Date Updated : XX/XX/XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX
Product: Mortgage

We were approved by Florida XXXX 's Assistance XXXX on XX/XX/2022. They approved our applicaiton to assist in internet, utility, and mortgage payments for the following 6 months. All XXXX bills stated above were paid on time. As of now, XXXX payments for XXXX XXXX XXXX and XXXX XXXX XXXX were paid on time by XXXX. However, it seems that Regions Bank ( our mortgage lender ) still has not applied payment from XXXX to our account. It has been 23 days since XXXX stated to me that they mailed a check for our mortgage payment to Regions Bank. I am concerned as to why our mortgage lender still has not applied payment to our account. 

Delays like this can affect our credit score and in turn affect our standing with the loan. My complaint is regarding Regions Bank as they have not applied payment to our account. XXXX has stated to us that they are investigating whether the check they mailed has been chased or if funds have been retrieved on Regions Mortgage end. 

Thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ( Original lender XXXX XXXX XXXX XXXX ) in the amount of {$26000.00}. I've reported this account over 2 years ago and it was removed due to identity theft but XXXX still unlawfully pursuing it. 

XXXX ( XXXX XXXX ) in the amount of {$0.00}, I've reported this account to the authorities as well.
Product: Credit card

A hard inquiry was added to my credit report on XX/XX/2024 from Capital One bank, and on XX/XX/2024 I received a phone call from a bank agent asking me if I applied for a new credit card.
Product: Credit reporting or other personal consumer reports

Recent reports from the Consumer Financial Protection Bureau ( CFPB ) indicate that Equifax has failed to properly investigate consumer disputes. A lawsuit has even been filed against Equifax for violating consumer protection laws by not complying with the Fair Credit Reporting Act ( FCRA ). 

Under federal law ( 15 U.S.C. 1681i ), Equifax is required to thoroughly reinvestigate disputed items within 30 days and remove any information that is inaccurate, incomplete, or unverifiable. Ignoring this obligation is a direct violation of my rights. 

I am disputing the following negative items, which I strongly believe may be linked to a data breach : XXXX - XXXX - {$0.00} XXXX  - XXXX - {$0.00} XXXX XXXX  - XXXX - {$190.00} XXXX - XXXX - {$0.00} XXXX  - XXXX - {$2600.00} XXXX - XXXX - {$0.00} I have already provided supporting documentation multiple times, yet these errors persist. The lack of corrective action has caused me financial harm and unnecessary distress. 

I have a legal right to an accurate credit report, and I expect these items to be properly investigated and removed immediately.
Product: Credit reporting or other personal consumer reports

I have no connection with the listed creditors, and the inquiries are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 USC 1681 Section 602 A. States I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account with my written instructions.
Product: Credit reporting 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. 


Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account XXXX Account XXXX : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXXXXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXXXXXX Account XXXX Account XXXX : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX 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

This account was charged off on the following date ( XXXX, 2023 OF FIRST CHARGE OFF ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. 
I am demanding a deletion of the following account : Accounts XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, Account 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
Product: Credit reporting, credit repair services, or other personal consumer reports

L2Inc/XXXX XXXX retail had pulled an inquiry on XXXX/XXXX/XXXX without permissible use or authorization by me. They so not have permissible purposevti access my credit file. There is no proven valid need as defined under FCRA, and they can not show an agreement between end user and I.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX collections who works for XXXX XXXX as their collection agency told me they would get my credit cleared If I paid off the debt. I did and received a letter on XX/XX/2022 proving my account has been fully resolved. I called XXXX XXXX and they told me to contact XXXX XXXX and they are responsible to get me help to clear the account. XXXX said they don't clear debt abd that XXXX XXXX handles that. So I called XXXX and they do not even know who they are on XX/XX/2022 but they do recognize the debt. 

The sad part of this circular nightmare, it actually shows on my credit report that XXXX is the collections for XXXX XXXX. Seems to me no one knows what is going on and my credit file still shows the debt there after being full resolved. 

See attached document of proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

All of the following accounts are fraud. I did not open these accounts nor authorize anyone to open these accounts in my name. I have a suspicion that my ex-husband and his acquaintances are the ones who fraudulently opened these accounts : - XXXX XXXX  - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX  - XXXX - Capital One I have attached an ID Theft affidavit packet and police report.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of the following fraudulent accounts and inquiries on my credit report. Due to a recent data breach, my personal information was compromised, resulting in unauthorized accounts and inquiries appearing on my credit report. I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) as a victim of identity theft to have this information permanently removed from my credit report. 
Accounts to Be Blocked and Deleted : XXXX. XXXX XXXX  XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$800.00} XXXX. XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX/XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$3400.00} XXXX. XXXX XXXX XXXX Account Number : XXXX o Date Opened : XXXX XXXX, XXXX o Balance : {$0.00} XXXX. XXXX/XXXX  o Account Number : XXXX o Date Opened : XXXX XXXX, XXXX o Balance : {$0.00} Inquiries to Be Removed : XXXX XXXX/XXXX  XXXX  XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX  XXXX XX/XX/XXXX XXXX  XXXX  - XX/XX/XXXX XXXX OF XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX CO XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX  - XX/XX/XXXX XXXX OF XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX, XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my final attempt to supply court documentation to EXPERIAN ( XXXX XXXX # XXXX ) and XXXX ( XXXX XXXX # # XXXX ) regarding a recent lawsuit with XXXX XXXX. An ORDER OF DISMISSAL WAS GRANTED by the court. The lawsuit was DISMISSED WITH PREJUDICE ; meaning, I DO NOT OWE the debt. Proper court documents are being provided AGAIN ( see attached ). I am NOT liable for this negative tradeline AND it should be permanently deleted from my credit file. I have contacted my attorney, XXXX XXXX XXXX in XXXX XXXX, TX and considering a lawsuit for willful non-compliance ( FCRA-616 ), IF this item is not removed.
Product: Credit reporting or other personal consumer reports

The collection account from XXXX XXXX XXXX opened XX/XX/year> with a balance of {$630.00} is reporting inaccurate information to my credit report. There are multiple inaccuracies such the open date, account status, payment history, and phone number. I have disputed this collection account with XXXX, TransUnion, and XXXX and I have not received an accurate investigation. 
This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I was recently in the hospital for major XXXX on my XXXX  a year ago. I just now have got back to work. I discovered that my credit file has over 72 inquires for transactions that were never authorized by me. I have only ALLY FINANCIAL as my only business dealings. I would never run my credit 72 times that is insane and unnecessary. Please delete the following inquires Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681b et seq. ) I never made these inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I purchased a home and received financing through XXXX XXXX XXXX in XXXX of XXXX. My mortgage was then sold to FBC Mortgage , LLC at the end of XX/XX/XXXX. Then, without me knowing, FBC Mortgage LLC sold or transferred my mortgage to XXXX XXXX XXXX and Reporting. I NEVER received anything in writing that my loan was transferred from either FBC Mortgage LLC or XXXX. 

Furthermore, I qualified for a 3 month deferral on my mortgage payment because I live in a federal disaster qualified area ( Hurricane Irma ). I called in and spoke to who I thought was FBC Mortgage LLC, but who I have now determined to be XXXX, and was told on XX/XX/XXXX by a rep at XXXX that I qualified to have the 3 months of payments added on to my loan, and that I would not have to make those 3 payments after the 3 month deferral period. I then received a letter in early XXXX of XX/XX/XXXXstating that I did not qualify for a loan modification and would need to bring my balance now in full ( pay for the 3 months of deferred payments, plus present month 's payment ). There are a number of issues with what has taken place here. FBC never notified me, and by law are required to. And the rep at XXXX flat out lied to me on the phone. I thought that I was all clear on the 3 months of deferred payments and would not need to pay those now, and as a result, based on what the rep told me, i used that money to pay down other debts. Thank you for your concern.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has deleted all the accounts below that should be on my credit report. 

CREDIT CARDS XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$0.00} XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$0.00} XXXX XXXX Last reported : XX/XX/XXXX + {$0.00} XXXX XXXX XXXX Closed : XX/XX/XXXX + {$0.00} Closed XXXX XXXX XXXX XXXX XXXX  Closed : XX/XX/XXXX + {$0.00} Closed XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX + {$0.00} Closed XXXX XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$52000.00} Good
Product: Mortgage

I contacted with Chase Bank and asked to cancel PMI ( XXXX Mortgage XXXX ). They said I have couple options to waive PMI. The first one was XXXX ( XXXX XXXX XXXX ). During this conversation I ask them how much initial principal payment do I need to make to waive PMI. They responded that I have to lower my loan balance as {$190000.00} or less. I told asked specifically how much do I need to pay. I asked this because I have Deferred Balance. The agent told me that Your investor requires your principal balance to be at {$190000.00} by XX/XX/2023. This means that you will need to make a principle payment of {$4600.00} to remove PMI early from your account. I told them I still have deferred balance and the agent said I do not need to make any payment for deferred balance. It is not a requirement. So I made a payment which is {$4600.00} and lowered my balance as of {$190000.00}. I just received a secure message from the bank and has been told Hello XXXX, Good day! My name is XXXX, and on behalf of my colleague XXXX, I'm following up about your PMI waiver request. Thank you for your patience while we review your account. On XX/XX/2023, we have completed a PMI research on your account, and we determined that you may cancel PMI on your loan by paying down your loan balance to {$190000.00}. Please see attached letter for reference. However, allow me to clarify that it will be the combination of the following principal balances : - {$190000.00} current principal balance- {$7500.00} deferred principal balance XXXX principal balance : {$200000.00} I'm sorry for the initial information that has been provided to you, as there has been an error on our end. Moreover, you can make an additional payment of {$7500.00} to principal, and once it is posted, we can certainly submit another PMI waiver review on your account. I encourage you to reach out through the XXXX XXXX XXXX, if you have any other questions or need assistance. We remain committed to providing you with excellent service. Have a great rest of your day. Best regards,. The result is not as we discussed before. As you see on the message, the error occurred by the banks end.
Product: Debt collection

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Notice to Agent Is Notice to Principle Notice to Principle Is Notice to Agent To : CREDENCE RESOURCE MANAGE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. : XXXX XXXX XXXX XXXX XXXX First Notice Opportunity to Cure Validation of a Debt Request Pursuant to 15 USC 1692g To whom this may concern regarding said account XXXX BE ADVISED, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time, I will also inform you that your offices have reported invalidated information to the 3 major credit bureaus ( XXXX, XXXX or XXXX ) and this action constitutes FRAUD under both Federal and State Laws. Due to this fact, with negative mark currently detected on my credit reports by your company or the company you represent, if not resolved and REMOVED IMMEDIATELY, I will not hesitate in bringing legal action against you and your client for the following : listed violations below carrying a {$1000.00} enforceable penalty for damages per violation. 
CREDENCE RESOURCE MANAGE has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) yet placed a collection on my consumer report.

According to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) CREDENCE RESOURCE MANAGE never provided me the opportunity to dispute this account.

CREDENCE RESOURCE MANAGE has zero authority to furnish any amount to a consumer reporting agency without providing any and all disclosures required by law and is clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( 7 ) ( A ) If your offices can provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity shall CEASE and Desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. 

This includes any listing of information to a credit reporting repository/ agency that could be inaccurate or invalidated.
Product: Credit reporting or other personal consumer reports

I am writing to request the correction and update of my personal information as reported by your credit reporting agency under the Fair Credit Reporting Act ( FCRA ). The personal information that should be reported is as follows : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please ensure that only this information is reflected in my credit file. If there is any other information present, I request its immediate removal. It is crucial that my credit report is accurate, complete, and up-to-date. 
I expect this information to be updated immediately and request written confirmation once the changes have been made. If you require any further information from me to facilitate this request, please contact me at your earliest convenience. Thank you for your prompt attention to this matter.
Product: Checking or savings account

I am filing this complaint with the CFPB regarding Capital Ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.