23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

According to TrueAccord " On XX/XX/2020, TrueAccord sent XXXX XXXX verification documents. We have unsubscribed XXXX XXXX from receiving TrueAccord emails. She will not receive any further emails regarding this account. XXXX will mail XXXX XXXX any requested documents moving forward. As XXXX XXXX has already received the verification documents, she may call our office at XXXX or visit our website to take any further steps regarding her account. '' THE ONLY COMMUNICATION RECEIVED FROM THIS COMPANY HAS BEEN VIA EMAIL ( XX/XX/2020 XXXX. I HAVE EXPLICITLY REQUESTED FOR THEM TO STOP CONTACTING ME VIA EMAIL. I HAVE NOT RECEIVED ANY DOCUMENTS VIA POSTAL MAIL. ANY DOCUMENTS THAT HAVE BEEN SET VIA EMAIL OR ELECTRONIC COMMUNICATION HAVE NOT BEEN RECEIVED AS THEY VIOLATE MY WRITTEN REQUEST TO CEASE ALL FORM OF COMMUNICATION OTHER THAN POSTAL MAIL. AS OF TODAY XXXX/XXXX/202 I HAVE NOT RECEIVED ANY DOCUMENTS VALIDATING THIS DEBT.
Product: Credit reporting or other personal consumer reports

Recently, I have discovered fraudulent hard inquiries on my credit report, these inquiries are not mine, please investigate and remove them, as they are hurting my credit worthiness, the hard inquiries are XXXX XXXX XX/XX/XXXX | XXXX XXXX XX/XX/XXXX | XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I have already filed a complaint regarding a fraudulent account that was opened in my name at HSBC in XX/XX/XXXX. As detailed in my previous complaint, I made numerous attempts to contact someone at HSBC regarding this account but have yet to speak with anyone with knowledge of this incident. After I filed my complaint, HSBC provided a response acknowledging that the fraudulent account was opened, that they are investigating the matter, and that a freeze was placed on this account to prevent further activity. I responded that I was given insufficient information about how this happened and how HSBC intended to prevent this type of fraud from happening in the future. I have yet to hear from HSBC regarding my concerns or their alleged investigation. Yesterday I received another letter from HSBC indicating that the fraudulent account remains open and that further fraudulent activity occurred during the period XX/XX/XXXX, through XX/XX/XXXX. This indicates that the information that HSBC provided to me and to the Consumer Financial Protection Bureau is wrong and that no steps have been taken to stop this fraudulent activity. I have informed them that my personal information was stolen and that I did not open this account and I have filed a police report as well. HSBC is fully aware that this account was opened fraudulently and they knowingly have allowed the crime to continue.
Product: Credit reporting, credit repair services, 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/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1800.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/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 or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance Owed : {$500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Experian are reporting misinformation On my credit report. XXXX XXXX should show a XXXX balance On my credit report. I open this credit card with a cash deposit Of {$300.00} which XXXX XXXX never returned. This credit card Was secured with the {$300.00} cash deposit. XXXX XXXX is Reporting to the three credit agencies that I owe them {$250.00} Again I  owe them nothing and they owe me {$300.00} my deposit Which they never returned to me. 
XXXX XXXX XXXX should also show a XXXX  balance On my credit report. I did a voluntary surrender of XXXX XXXX XXXX which was financed for {$7000.00} by XXXX XXXX XXXX. The total cost of the XXXX XXXX XXXX was {$9000.00}, I paid {$2000.00} cash down payment at time Of purchase. XXXX XXXX XXXX sold a XXXX XXXX XXXX at a public auction for {$2000.00} for a net lost of {$5000.00}. 
XXXX XXXX XXXX reported to all three credit Agencies that I owed a deficiency balance of {$5000.00} still Owed on the car. XXXX XXXX XXXX sold the Car for under the Fair Market Value of the car, therefore I owe them nothing. They sold the car for under the Value That the car was worth. 
I want XXXX XXXX XXXX and XXXX XXXX Taken off my credit report.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been receiving in the mail for a while now about me owing child support money. Im not quite sure what any of that is about because my kids live with me and I have never been put on child support. I also got denied a credit card from XXXX  XXXX due to a low credit score. I have pulled my credit and I saw various child support items and loans on my account that does not belong to me. I strongly believe my identity has been stolen. Please remove these items from my report. XXXX XXXX {$450.00} XXXX  XXXX {$1300.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$830.00} XXXX XXXX XXXX $ XXXX XXXX XXXX  XXXX {$1000.00} XXXX XXXX {$1400.00} XXXX XXXX XXXX {$450.00} XXXX XXXX  XXXX {$1000.00} XXXX XXXX {$1400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my report i noticed someone used my name and social security number without my permission. There are inquires i did not consent to on my report. I submitted an Identity Theft report with the FTC and sent it to Experian. Attached FTC report with inquires from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 delete these unauthorized entries. They do not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX ( points before ) XXXX ( Points after ) XXXX ( Amount taken out ) 38 pts We found 1 change to your Transunion credit report. 
Accounts Removed XXXX XXXX XXXX/XXXX XXXX Account Removed From Report I have no had a student loan for over 5 years and this was paid off. This has came out of my account more then 4 times and has greatly impacted my score. i have worked 2 solid years working to rebuild my credit however this dep of education has been removed 3 seperate occasions and dropped my score over 70 points. This needs to be resolved ASAP
Product: Credit card or prepaid card

I had a balance of {$300.00} and didnt realize the promotional balance had ended and I was charged {$440.00} in interest. I try speaking to the company and they said there is nothing that I can do nor they can do for me. Im not doing financially well at the moment and I think it is completely unfair that I have to pay them more than I can and on top of that the dental work that was done didnt even last a year. I paid {$1600.00} for the crown and a year later it fell out, I cant even get it fixed bc the dental company said no until I have dental insurance which I believe is completely unfair
Product: Checking or savings account

XX/XX/23 - attempted to deposit {$450.00} at Wells Fargo ATM. ATM said it could not accept the bills. Returned one {$50.00} bill. Did not return the remaining {$400.00}. ATM froze and did not return debit card either. 
Went inside to branch - no help. Handed card with standard Wells Fargo phone number. 
Called. Filed claim. Representative would not credit more than XXXX cent to my account. Asked if I would be reimbursed for penalties acquired due to lack of funds in the account for upcoming bill withdrawals. She did not provide an answer. 
It has been one week and I have received no update on my missing {$400.00} deposit due to no fault of my own.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that the following accounts and inquiries be blocked and deleted from my credit report pursuant to 15 USC XXXX ( a ) and FCRA XXXX ( b ), as I am a victim of a data breach. Please find the details of the affected accounts and inquiries below : Accounts : XXXX. XXXX XXXX XXXX - XX/XX/XXXX - {$460.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$100.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$1900.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$590.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$970.00} Inquiries : XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/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 XXXXXXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX
Product: Checking or savings account

hello i am owner of XXXX XXXX sales i have capital one bank bussiness account from last 5years, and that account is my major account for my bussiness, i was buying some products with company called XXXX XXXX XXXX XXXX in texas , i did wire transffer to them and now capital one freeze my bussiness account, now i dont have any access to run my bussiness and when i called capital one they are not responcing me for anything, they keep saying your account is in investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had 3 school loans for my kids during XXXX. I was late during XXXX but not afterwards. My son XXXX from XXXX, went to the XXXX and paid off all loans in early XXXX. When it was paid, my account was incorrectly listed as 90 days late, which is incorrect. The late payment was in XXXX and by law, should have been removed from my credit report. I have been trying to resolve this matter with XXXX XXXX XXXX  for over 2 years. The phone number and contact information for them is invalid... the phone number doesn't work. My letters are returned. Therefore, I can not reach anyone to get the matter resolved. It is very frustrating as the late payments are still impacting my credit score. I have also filed disputes with the 3 credit bureaus, only to have them " resolve '' the disputes in 2 days or less, yet they can not tell me who they are getting verified from.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding identity theft and inaccurate information on my credit reports maintained by Experian and XXXX. The following accounts listed on my credit report are not mine and were opened fraudulently as a result of identity theft : XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX ( Experian ) XXXX XXXX XXXX XXXX ( Experian ) XXXX XXXX XXXX ( Experian ) XXXX ( XXXX ) I have never applied for these accounts, and I did not authorize the opening of these accounts. As the victim of identity theft, I am requesting that these accounts be removed from my credit reports within 4 days, as required by the Fair Credit Reporting Act ( FCRA ) and Regulation V. 

Specific Allegations : Inaccurate information on my credit reports : The accounts listed above are not mine and were opened without my consent. 
Failure to investigate and correct the error : Experian and XXXX have failed to properly investigate and correct the error despite my repeated requests. 
Violation of FCRA : Experian and XXXX have violated the FCRA by not removing the disputed accounts from my credit reports within 4 days as required.
Product: Debt collection

Account was marked as SETTLED when I was {$100.00} away from paying in full. I did not agree to have my collection automatically settled and closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I and the customer service both have tried to talk to the dispute team regarding the XXXX disputes back in XXXX that I never gotten. and the dispute finally gave me a letter that they want me to mail back to them by XX/XX/XXXX how is that even possible and i don't even have a fax machine, why do you guys expect so much out of me during this time of covid 19? please read my attached document i never gotten anything from XXXX i tried to contact them so many time and this is why i'm making this disputes there about 7 or 8 disputes since i never gotten any of the items and i was charged account ending in XXXX. 

transactions late XXXX and XXXX XX/XX/XXXX XX/XX/XXXX XXXX  XXXX  XXXX XXXX  {$370.00} XX/XX/XXXX XX/XX/XXXX XXXX  XXXX  XXXX XXXX  {$130.00} XX/XX/XXXX XX/XX/XXXX XXXX  XXXX  XXXX XXXX  {$320.00} XX/XX/XXXX XX/XX/XXXX XXXX  XXXX  XXXX XXXX  {$10.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX {$10.00} XX/XX/XXXX XX/XX/XXXX XXXX  XXXX  XXXX XXXX {$77.00} XX/XX/XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX {$36.00} XX/XX/XXXX XX/XX/XXXX XXXX  XXXX  XXXX XXXX XXXX$10.00}
Product: Prepaid card

I have direct deposit put on my card weekly. I tried to log into my account on line and there was a block put on my card. I received an email and a text about the block and called to inquire and get the block released. I have called this company FIVE times and keep getting agents that speak very broken XXXX who make me go through answering security questions before telling me they have to transfer me to their " Fraud '' department. I am literally put on hold for 20 minutes at a time and go into a voicemail asking me to leave a message and I will receive a call back the next business day. This is totally UNACCEPTABLE. A small portion of my paycheck is direct deposited weekly and I can not believe I can not get immediate assistance and access to my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I filed a CFPB complaint ( # XXXX ) against Equifax regarding account : XXXXXXXX Acct XXXX XXXX ). On XX/XX/2022 I received a response back and the case was closed stating I would receive results of the investigation. To date, I have not received any communication or documents that state this account belongs to me and I am seeing even greater inaccuracies in reporting. THIS COMPANY IS IN VIOLATION
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding inaccuracies on my credit report that I have previously disputed without resolution. Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), I am entitled to accurate reporting of my credit information. Furthermore : - The FCRA requires credit bureaus to investigate disputes within 30 days and provide corrections for errors.

- Lenders and servicers are obligated to provide accurate and truthful information to credit reporting agencies.

Specifically, I have identified the following issues related to my student loans : 1. Duplicate Accounts : - My credit report reflects duplicate entries of the same student loan account ( s ), which inaccurately inflates the total amount of debt reported. This duplication negatively impacts my creditworthiness and misrepresents my financial obligations.

2. Incorrect Payment History : - The payment history for my student loan account ( s ) is inaccurate. Despite having made on-time payments, my report reflects late payments or other discrepancies that are false. This is both misleading and damaging to my credit profile.

Actions Taken : I initially identified these errors months ago and promptly contacted all 3 credit bureaus and loan servicers to dispute the inaccuracies. I submitted all supporting documentation, including relevant documents, loan statements, payment receipts, and correspondence to substantiate my claims. Despite allowing the XXXXday timeframe stipulated under the Fair Credit Reporting Act ( FCRA ) for resolution, the inaccuracies remain unresolved. 

Impact : These errors have caused significant harm, including : - Inaccurate reporting of my credit obligations and payment reliability. 
- Lowered credit score, resulting in difficulty obtaining loans, higher interest rates, etc I trust that the CFPB will assist in ensuring my rights are upheld and that these errors are promptly resolved. 

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

consistently responds within XXXX  hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions XXXX also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as highlighted in the CFPB 's recent administrative proceeding XXXX XXXX XXXX XXXX XXXX against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
The following are accounts that I marked as inaccurate : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX.
Product: Credit card or prepaid card

My wife passed away on XX/XX/XXXX. When our son came for the funeral he didn't have a nice pair of dress pants to wear so we went to XXXX to get one. Due to COVID-19 could not try on pants so got 3 pants with different waist sizes so would have one that fit for funeral. After funeral, tried to return the extra 2 dress pants to XXXX but they were not taking returns at the time due to VOVID-19. 
On XX/XX/XXXX I called the issuer of the credit card ( US Bank ) at XXXX Option 6 and they marked the account deceased ( was in wife 's name ) on that date. 
After COVID-19 was more under control returned the extra 2 pair of pants to XXXX on XX/XX/XXXX. The refund was put back onto the cancelled credit card. 
Received refund check from Cardmember Service/Agent for U.S. Bank National Association for {$32.00} dated XX/XX/XXXX. It was made out to Estate of " Wife 's Name ''. When took check to my bank to cash it on XX/XX/XXXX I was informed they couldn't cash a check made out to an estate, please have the credit card company re-issue the check in either my or my wife 's name. I called U.S. bank same day and was adamantly told they could ONLY issue a check made out to an Estate. I was at an impasse.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have credit inquiries on my credit report that I dont recognize and I did not authorize ... I would please like these inquiries deleted from my credit report .. Thanks
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.

List of Unauthorized Inquiries : XX/XX/XXXX- 2024XXXX XX/XX/XXXX - 2024XXXX XXXX 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: Debt collection

XXXX was terminated over a year and half ago and the cable boxes were returned to the XXXX store XXXX XXXX XXXX XXXX WI per their instructions ( the local spectrum office was closed ). A year and a half later I get a collections notice, I responded with the boxes were returned. No response for months and not they put a collections on my credit report. Simply wrong. I can not find the return receipt as it was over a year ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

First advantage violated my rights, which has caused an adverse action on my behalf l, on case # XXXX & # XXXX In accordance with the fair credit reporting act, states i have a right to privacy, infringement to my rights 15 usc 1681b ( a ) ( 2 ) impermissible purpose 15 usc 1681r unauthorized disclosure 15 usc 1692d 15 U.S. Code 1681s2 No one can finish report w/known errors inaccurate/incomplete address and sentence incorrect
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX - XXXX - XX/XX/XXXX - {$81.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$390.00} XXXX  - XXXX - XX/XX/XXXX - {$2600.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.