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

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
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 Experian 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 you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. A personal credit card account at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. A personal loan account at Self Financial on XX/XX/XXXX under the account number XXXX and an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 Criminal Complaint XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Avant violated 15usc6802 also known as the Gramm-Leach-Bliley Act, they disclosed my non public personal information ( loan balance, amount of the loan, etc.. ) to non affiliated third parties ( XXXX, XXXX, and XXXX ) without giving me the proper disclosures, one of which would have given me the ability to opt out of having my information reported to the credit bureaus. They also violated 15usc1681a ( 2 ) ( A ) ( i ) of the Fair Credit Reporting Act by reporting transactions between me ( the consumer ) and the person making the report ( avant is a person by legal definition because they are a corporation ) 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX  is reporting that payments of {$320.00} on the months of  XXXX ,  XXXX ,  XXXX , and  XXXX  all as being 30 day late.   A formal debt validation request was sent out to  XXXX   XXXX   XXXX  on the dates of  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX , and  XXXX / XXXX / XXXX  with no response.   Calls were also made in  XXXX  of  XXXX  but I was told that they though they could see that the payments at that point were indeed not 30 days late there was nothing that they could do to help and that I would need to go through some other means to get the report removed from my credit report but could not give me the information on what that would be.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maxium possible accuracy of the information concerning the individual about whom the report relates. 

I sent a letter asking them to reinvestigate these accounts listed below because ( XXXX  XXXX  : Account Number : XXXX ) ( XXXX XXXX  : Account Number : XXXX )
Product: Credit card

I have been a victim of fraud and Wayfair is not taking the charges off my account
Product: Credit card or prepaid card

I have contacted Citibank several times over the past year to change my due date from 15th to the 30th. I requested this over the phone, through chat and also they mailed us a form to complete to request the change which was completed and returned. Every time i contact them since this time they advise the system is down and they can not help. In the meantime due to financial matters i can not make the payment on the 15th and they are now charging me late fees each month even though they are fully aware that a simple due date change would put me current and avoid the fees. The resolution was to put me into a payment plan for a payment on the 15th which DOES NOT help me. The late fees and charges keep accumulating in the meantime. I just want my date changed to the 30th and to have the late fees reversed due to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have been going back and fourth to dispute items on my credit profile that do not belong to me ; have submitted police report, identity theft affavaidt, verbal, written and faxed disputes to all 3 major credit  bureaus agencies without success. Chapter XXXX bankruptcy is reporting invalidly has wrong date and amount needs to be removed. XXXX XXXX XXXX and XXXX XXXX are not my accounts the company does not have a contract and hasn't validated the debt ; and I have never paid student loans late so the late pays on XXXX needs to be updated.
Product: Checking or savings account

On XXXX,2017 I drove a bus with Seniors Citizens to the state of Louisiana . The trip was suppose to return mid morning, but due to Mechanical difficulties I did not arrive back in town until, XXXX XXXX late that night of the XXXX of XXXX. Since I have gone to Louisiana before I knew there was not a Wells Fargo bank in any part of Louisiana. The original plan was to get back to XXXX before XXXX XXXX on the XXXX but there a Bus Mechanical breakdown that did not allow me to return until Tuesday night/ Wednesday morning about XXXX XXXX XXXX XXXX. <P/>If anyone will review my account would see I am not in a habit of allowing my account.to become overdrawn. With that being said, I am not satisfied with the way my account was accessed overdraft fees for items that were paid from a deposit made from my check of {$980.00}. XXXX. I was unable to make a deposit myself due to no Wells Fargo Banks in any parts of the state of Louisiana. I took it upon my self to start to monitored the account starting with the time of XXXX XXXX XXXX XXXX, XXXX. Each time an account is visited, the computer system knows the last time ( date and whether it was morning, afternoon or evening ) it was visited. My first time of XXXX showed a positive balance of $ XXXX. The next time I visited the account was XXXX XXXX showed a positive balance of $ XXXX, The next time I visited the a was XXXX XXXX the account showed a positive balance of $ XXXX. The next time I visited the account was XXXX XXXX the account showed a positive balance of $ XXXX. I decided to visited the account again at XXXX XXXX and noticed the account to be positive in the amount of {$900.00}. The amount of {$900.00} let me knew that two ( 2 ) items had been subtracted from my deposit. Tell me why my account was access a total amount of overdrawn fees of {$100.00}? As I stated previous the account was never overdrawn even after the items were deducted due to there was enough in the account when the items were presented for payments. The account stated at XXXX XXXX the " Current posted amount of {$86.00} I did take a photo of the transaction. When I telephoned the Company Wells Fargo, I spoke with a person by the name of XXXX on XXXX XXXX XXXX concerning the overdraft fee. I did ask him to tell me what time did the items came in to be paid since I visited the account and there was never a negative balance on the account. He stated that did not make any different that the items had come for payment on XXXX XXXX XXXX. I kept asking for a time, because I do know any transaction with the banking system constitute a time and date of all transactions. I was surprise to hear XXXX state the time was XXXX XXXX when I visited the account and the balance was still @ a positive balance. When I visited the account @ XXXX XXXX I would have seem a negative amount of {$74.00} but there was only a positive balance of $ XXXX My deposit was posted to my account by direct deposit @ XXXX XXXX, I have other Co-workers to testify that the time of XXXX XXXX is when their monies posted as well.
Product: Debt collection

I was contacted by XXXX XXXX XXXX XXXX by written letter- with an attempt to collect a debt. the notice was date XXXX XXXX, 2023 and stated I had until XXXX XXXX ( or 30 days ) to respond to the notice or additional action may be taken. 
this notice gave me an end date for the 30 day period to respond HOWEVER, " CBHV '' submitted this report to the credit reporting agencies in only 15 days ( sooner than on written communication ), ROBBING ME of the oppurtunity to address or rectify the alleged debt. 
This would be a violation of CFPBs debt collection rule, which states on your website once consumer receives the written notice as the initial communication, consumer has 30 days to dispute the debt in writing. This is considered abusive, unfair, and deceptive to XXXX me of the oppurtunity to verify this debt within the 30 day time frame allowed to do so. 
Under the XXXX Fair Debt Collection Practices Act, my legal rights to obtain verification information from a debt collector are during the XXXX period.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I received a document from XXXXXXXX XXXX XXXX stating that they suffered a data brach and I may potentially be affected. In order to monitor any action on my credit, they offered to provide a free credit monitoring through XXXX. I have an account with XXXX XXXX and they utilize XXXX to monitors any action on my credit report. I looked and noticed that it stated my SSN was exposed on the dark web on XX/XX/XXXX. I immediately froze my credit on all three credit bureaus but I temporarily unfroze my credit for 7 days to see if I can get approved for an auto loan with XXXX XXXX XXXX Navigator. On XX/XX/XXXX, XXXX XXXX pre-qualified me and provided me a Reference Number. On XX/XX/XXXX, I noticed several hard inquiries on my TransUnion report on the date of XX/XX/XXXX that I never authorized or inquired on for myself. After noticing the inquiries, I immediately froze my credit again to prevent any potential action that I didn't authorize.
Product: Debt collection

I was unexpectedly hospitalized in XXXX of 2015. While I work and have medical insurance, I have a XXXX child with limited income. I submitted a financial assistance packet for review to the medical billing office of XXXX XXXX XXXX XXXX for the hospitalization bill. It was reviewed, accepted and the account was closed and settled in full. During the process XXXX XXXX XXXX XXXX had sent the bill to Collection Consultants of California, and retracted it the same day. I have called Collection Consultants of California and notified them that the account was settled in full. I have also provided CCC with proof of this via fax ( with confirmation ) of my notice of account settlement letter from XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX has called them twice on my behalf in an order to close out the account. Collection Consultants of California has continued to harass me regarding the debt, they have not properly closed the account although it was settled in full. They have now sent the debt to my credit report to negativity affect my credit. They are unlawfully harassing me, and will not remove the account from their files although it was paid in full. Please help me.
Product: Checking or savings account

On a XXXX of XXXX i made deposit from my XXXX XXXX personal checking account to my chase buisness checking account two checks one of them in the amount {$19000.00} another one in the amount of {$20000.00} one of them i did with mobile app and second one i had to do on atm becouse of a limit on mobile app deposit. 
While i was doing that i made a mistake i put the same check number on both checks " XXXX '' so becouse of that Chase Bank put hold on one of the fund till XX/XX/XXXX. 
And put restriction on my account. Then Chase Bank forwarded my Chase Buisness checking account to fraud department and at the end they end up closing my account. 
They never informed me about whats going on and that it was the fraud department dealing with it. 
I called them to find out whats going on around XXXX of XXXX and they told me becouse of same check number they have to hold it and asked me to go back to XXXX XXXX bank where the money came from to put a claim to return the money back to XXXX XXXX bank they said thats the only way to get back my money. 
I did that and put the claim time passed by XXXX XXXX did try to get the money but Chase Bank never responded for their claim. And then i contacted the Chase bank fraud department again around XX/XX/XXXX or so on the phone they said i have to go to branch and show statement or on my XXXX XXXX  bank app that money was taken out from my wells fargo account so to prove that money got out of wells fargo bank. 
And on a XX/XX/XXXX i went to Chase Bank branch and talked to member of the bank and explained what is going on and when he checked my account it was closed and there was a note to call that department. and he called them and at that moment that department told him to put some adjustment to find the where the money is so they kinda messing with me all the time when i call them every time they come up with some kinda new excuse about my money. All the time when i talked to the they never provided me any case number or refrence number for my phone calls i asked the but they said they can not provide anything in writing or any kinda case number about calls i made i asked them send me letter about what is going on and why my money is in hold they said letter was sent on around XX/XX/XXXX or so but i never get that.
Product: Bank account or service

Used bank card as CREDIT CARD at XXXX locations and realized the next day I used the wrong bank. I check the account and it indicated PENDING for these transactions. I deposited CASH in account to cover these PENDING charges. Today I went to verify my SS check was deposited and notice XXXX overdraft fees : tier XXXX overdraft item charge of - {$38.00} tier XXXX overdraft item charge - {$38.00} overdraft item charge {$34.00} I called the Bank Manager and ask why if these were PENDING as CREDIT CARD transactions and CASH was put into account before the charges hit my account, why these overdraft fees. She said that is way it works, pending is same as charged. They took off XXXX overdraft fee but left other XXXX tier XXXX overdrafts. 
NOTE : the attached file No longer indicates PENDING but a charge backdated hiding the PENDING status.
Product: Credit reporting or other personal consumer reports

XXXX XXXX account with account # XXXX opened on XX/XX/2017 and a balance of {$710.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

Please investigate the inaccurate information per 15 U.S. Code 1681 this account is being reported inaccurately and these matters are hurting my credit score and per Fair Credit Reporting Act ( FCRA ), the inaccuracy of this reporting needs to be deleted asap. Per CFPB laws and regulations, I am demanding this inaccurate account be deleted now or be subject to penalty and civil action lawsuit with a violation of {$1000.00} per day this inaccurate account with inaccurate information is being reported. Thank you for your assistance.
Product: Mortgage

XX/XX/2017 I want to bring this to your attention. I am a XXXX. I showed a couple a house then advised them to get pre-qualified for a mortgage so we can continue their home search. I then received this email from them : " XXXX called USAA to figure out what we were qualified for in regards to the loan and the person she spoke to informed her of a service that gives you money if you buy your first house using one of their realtors. The opportunity was too good to pass up so she ended up signing a non-compete clause with one of their realtors. '' This does not seem right that USAA convinces & pursuades home buyers to use their " preferred '' realtors by offering to give the buyers money. As realtors we are not allowed to steer clients or get any kickbacks from anyone in relation to real estate transactions. So how is USAA allowed to get away with this? They are stealing clients from good hardworking realtors.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : Charge Off XXXX XXXX XXXX XXXX {$1800.00} XXXXXXXX  XXXX XXXX {$510.00} XXXX & XXXX XXXX {$8700.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX {$980.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a dispute in place with XXXX XXXX. It has been ongoing ever since they charged me more for my per kwh than I agreed to. I have been trying to settle this with XXXX ; however, I have been unsuccessful. They sent this issue to IC Systems Collections while it was still in dispute. I am requesting that IC Systems remove this collection from all three bureaus as it is being unlawfully reported. I also contacted IC Systems and they hung up on me. IC Systems has no right to show this on my bureaus since it has been in dispute.
Product: Money transfer, virtual currency, or money service

Paid someone a {$130.00} through PayPal friends & family and never received the item ( concert/XXXX XXXX ticket ). Seller promised a refund and then disappeared. Unable to initiate a claim through PayPal.
Product: Credit reporting or other personal consumer reports

Back in XXXX of XXXX, and noticed some things are incomplete and not accurate. 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.

And one more thing according to 15 USC 1681s-2 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. 

This account reported on EXPERIAN : XXXXXXXX XXXX XXXXXXXX XXXX Account XXXX {$17000.00} Date of OPEN in XX/XX/XXXX Date of Last Activity XX/XX/XXXX This account reported on XXXX  : XXXX XXXX  XXXX XXXX XXXX {$17000.00} Date of OPEN XX/XX/XXXX Date Of Last Activity XX/XX/XXXX This is being reported inaccurately on with different dates and illegal renewing of the dates of this account. 

Inquiries I did not authorized have been pulled without my consent! 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX This account was reported and disputed back in XX/XX/XXXX when the bureaus said is was accurate. 

This acount has been illegally reaged and not accurate in it's reporting. 
EXPERIAN and XXXX did not investigate to show accuracy and protect my rights as a consumer! 

I have attached the credit reports showing blatant fraud and violations of my consumer rights to privacy and fair and accurate reporting. 

Delete this account and inquiries, or I will sue for blatant fraud and blatant violations of my rights.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B requires us to remove any incorrect accounts from my credit report. Can you please review the documents? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates being reported.