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

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the other furnished Lexis Nexis,  XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply. My name is XXXX XXXX XXXX Please delete any other versions of my name. My current and only address is XXXX XXXX XXXX XXXX, OH XXXX. 
The following addresses are not mine please delete them they are not accurate : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX  CT, XXXX, OH XXXX XXXX XXXX XXXX  CT, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have phone number that are not mines please delete they are not mines : ( 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

My name is XXXX XXXX. My mother 's name is XXXX XXXX. We lived at the same address for some time. Her social security number has XXXX digits different from mine. I submitted a dispute to Equifax to have her information removed from my file. I sent them a detailed cover page with the name differences and her addresses vs. mine ( attached ). I also sent a copy of her bankruptcy filing, schedules and listing of credit items that were HERS and in HER bankruptcy. They did absolutely nothing with it. 
I understand there is some rule used by the bureaus that if an address is on more than XXXX or XXXX items, they do n't remove it..the same with names that are on the file. But this is MY MOTHER 'S information. I would like for CFPB to use this in your published articles. Credit Bureaus should not be allowed to simply say : " These companies say this is yours so tough ''. The Bankruptcy and the following accounts were included. XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX. I have included her bankruptcy schedules showing these items discharged in HER BANKRUPTCY ... but I also sent this to Equifax and the ignored it.
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 XXXX XXXX XXXX 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 of 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 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Student loan

I called my current student loan servicer a MOHELA to get financial information they sent me last month which is missinXXXX XXXX XXXX XXXX. I consolidated my XXXX loans with my grad loans in XX/XX/XXXX. Information prior to consolidating is also missing and I was out on hold for over an hour so that they can research for which there was no resolution because I had to hang up. According to my servicer they dont have the information and only know me having loans from XXXX. This information is important as me getting the newly announced IDR adjustment hinges on me getting this information and there records being updated.
Product: Credit reporting or other personal consumer reports

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information.

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Product: Debt collection

Convergent Outsourcing has placed a collection on my credit report. They are stating that the date of last activity as XX/XX/XXXX, AND the date of the collection as XXXX. Neither of these dates are correct! This account XXXX went into collections at minimum 6 years ago, approximately XX/XX/XXXX, and there has been no activity on this debt since that time! They are not reporting the correct dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXXXXXX 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 or other personal consumer reports

XX/XX/2024 I disputed 2 unauthorized hard inquires on MyEquifax portal after reviewing my current consumer report. Equifax claimed that the 2 unauthorized hard inquires are factual and did not delete nor investigate my dispute thoroughly. I already contacted both companies XXXX and XXXX XXXX XXXX and they have not provided me with proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. By Equifax violating the law I feel my identity will continue to be at risk.
Product: Debt collection

On XXXX I received a call from Security Credit Systems stating that I owed a debt that was not mine. The agent stated a name and DOB that was not mine. The agent then stated they were confused and unsure how to proceed. I then submitted a document via email to XXXX stating the company not contact me. Then on XXXX I received a letter in the mail stating I owed {$11000.00} and if I don't write to then by XXXX then I owe the amount listed on the paper.
Product: Debt collection

Bank owed debt on a cash withdrawal that caused account to stay in a negative status, the debt was incurred from a Bad Cashier Check Deposit ( the Cashier check was furnished from a Counter fit Person under investigation ) I personally filed a criminal police report on the person who gave me a counter fit Cashier Check with the XXXX XXXX Police Department. I wasnt able to bring my checking account to a positive status, thus creating a debt in the amount of the cashiers check. The collection agency has created over $ XXXX intrest on the original debt amount {$2000.00} ~ Under the Fair Debt Reporting Act, intrest cant be incurred if their no agreement and a checking account does charge intrest but a None Sufficent Fee, this Debt amount reported is inaccurate and not true. 
UNDER PENALTIES OF PURGERY THE INFORMATION IS TRUE AND CORRECT. 
XXXX XXXX @ XXXX XX/XX/18
Product: Checking or savings account

I recently opened a savings account with Citibank and deposited {$500.00} in it. When I got my atm card in the mail, I tried to activate it and was locked out of my account. I have tried several times to get access to my account by calling customer service and they say that my answers to their security questions dont match and that I can not get access without my savings account number, which I dont have. So I am locked out of my account and unable to access it now our use my bank card.
Product: Mortgage

I made a payment via electronic transfer directly from my checking to the my mortgage account, ( Mortgage for XX/XX/XXXX) on Saturday XX/XX/XXXX. The credit union, NC State Employees credit union, did not post the payment until XX/XX/XXXX stating that the payment was made after XXXX. That has nothing to do with the date that I transferred the payment over.
Product: Bank account or service

Account noXXXX XXXX XXXX XXXX, I called Wells Fargo 's automated systems, and was told that my available Val was {$100.00}. On XXXX XXXX, I was told that XXXX checks had been returned! Check no XXXX for {$60.00} and ck XXXX for {$25.00}. Both of these e cost {$70.00}. For the bank relieve took {$70.00} out of my account and we are paying the companies a total of {$70.00}. Which is {$14000.00} For XXXX Check totals! 
We have been with Wells for a while, and make weekly deposits. I believe this is retaliation because, we have filed a complaint before. They reimburse us, because they were at fault! 
This is happening again and again!!! What is going on? 
And {$35.00} for the companies. XXXX
Product: Checking or savings account

Chase bank restricted my account without any explanation 3 days ago. I deposited all my funds to my chase bank account XXXX weeks ago. Chase bank restricted my account without any explanation. I contacted Chase bank on the phone 3 times, I went to XXXX different branches and asked XXXX branch managers to access my funds, they do not provide any information and they did not release any funds to survive my life, hey do not provide any explanation in regards to why my accounts are restricted. They also deny to close my accounts and release funds. They do not close my account and release my funds. I don't have any money to buy gas, I cant go to work, I cant buy food or I cant pay my rent and bills. Chase bank severely affecting my life and my health causing stress and anxiety every day. I need to close my accounts immediately and get all my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received three individual letters from Synchrony Bank cancelling credit cards with XXXX, XXXX, and XXXX, each stated the decision to cancel the individual credit card was : " Activity on account ( s ) with Synchrony Bank indicative of high risk of failure to pay. '' This is not true as each account was up to date and there were no late payments prior to the receipt of the letter with each account having a {$0.00} balance. 

I have contacted each of the companies individually and received no answer as to why the action was taken. My current credit score is XXXX and rated excellent by my bank. 

I do not want the credit cards reinstated but I want the reason for cancellation corrected, for my records.
Product: Credit reporting or other personal consumer reports

Remove all inaccurate information and fraudulent accounts falsely deemed verified IMMEDIATELY! 

Violation of FCRA 611, Debt Collection Harassment, and Sharing of Information with XXXX XXXX XXXX XXXX to 15 U.S.C. Sections 1692d, 1692i, and 1692c Dear Transunion, I am writing to address a matter of significant concern regarding the accounts that I have reported as fraudulent to the Federal Trade Commission ( FTC ) and subsequently requested investigation under FCRA 611 ( 15 U.S.C. 1681I ). It has come to my attention that there are discrepancies in the handling of these accounts, which directly violate the rights guaranteed under this section of the Fair Credit Reporting Act.

Not only has there been a failure to comply with FCRA 611 in rectifying these accounts, but I have also noted the absence of any proof of verified accounts in the documentation provided. The utilization of the e-OSCAR system, without providing tangible evidence or verification of the reported accounts, raises further concerns regarding the legitimacy and accuracy of the reported information. 



Additionally, I am deeply troubled by the actions of debt collectors associated with XXXX XXXX XXXX XXXX, who have been incessantly contacting me using my current information, amounting to approximately 15 calls daily. This relentless and harassing behavior violates the protections afforded to consumers under 15 U.S.C. Sections 1692d, 1692i, and 1692c of the Fair Debt Collection Practices Act ( FDCPA ). 



Moreover, it has come to my attention that the information shared through credit bureaus like Transunion has potentially facilitated this harassment by providing my current contact details to debt collectors. Such sharing of inaccurate or unverified information with XXXX XXXX XXXX XXXX, leading to their persistent and unwarranted contacts, is in direct contradiction to the requirements outlined in 15 U.S.C. Section 1681, which mandates accurate reporting by credit bureaus to prevent the dissemination of misleading or false data to debt collectors.

As per FCRA guidelines and the FDCPA, I am formally requesting : Immediate rectification and removal of the reported fraudulent accounts.

Tangible proof or verification of these accounts within five ( 5 ) days of your receipt of this correspondence. 

Cease and desist of any sharing of inaccurate or unverified information with XXXX XXXX XXXX XXXX. 

Immediate cessation of harassing calls by their associated debt collectorXXXX in line with FDCPA provisions. 



Please be advised that persistent contacts from XXXX XXXX XXXX XXXX based on false or unverified information reported through XXXX may result in a violation of FCRA codes, potentially leading to an immediate payout of up to {$1000.00} due to contacting me on accounts deemed fraudulent. 



I urgently request your prompt attention to these matters and expect a comprehensive and lawful resolution as per the guidelines outlined in the FCRA and FDCPA.
Product: Credit card or prepaid card

I made a purchase though the Chase Visa Ultimate Rewards website link to a merchant website that gave me an additional 3 % when I " Shop through Chase '. There was an issue with my card and fraudulent activity after this purchase that caused the purchase to be denied. I then had to call the merchant and make the payment over the phone. However, I want to be sure that I am still awarded this additional 3 % cash back because it was my intention to do the transaction that way. It was not my fault that Chase canceled this transaction and issued a new card ( account number ). At this time, the post is pending and has not posted to my account. I was being proactive and wanted to inform Chase of this transaction to be sure they rightfully awarded the cashback. They told me I had to wait until it was posted. I informed them to make a note and check back as it would be easier for both parties. They  informed me they could not make a note. For that reason, I am submitting this complaint so this is not forgotten by either side and there is an official record of the issue to be sure it is handled correctly. Please make sure the correct cash back is awarded in this transaction.
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 2 out of 3 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 inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, and XXXX submitting this complaint myself and there is no XXXX  party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why are these accounts showing up on my credit report when they are not mine i do not owe money to this company because i do not have an account with them so remove it XXXX   XXXX, XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX , XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX ) XXXX, XXXX ( Original Creditor : XXXX  ) XXXX, XXXX  ( Original Creditor : XXXX XXXX ) XXXX,
Product: Credit reporting or other personal consumer reports

Tried to obtain a credit report from this company but the charged twice for service. First for XXXX XXXX second time XXXX. Within minutes of each other. XXXX XXXX report dot com XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX. Is the company. 
The scam started as a cottage for rent. Talked me into a credit check that went crazy. Said I had poor credit and charged me extra for it. Please help. I hate scammers.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX has stolen my identity they are stating that I have a mortgage loan out with them since XX/XX/XXXX. They have not submitted a collateral accounting as I requested and they have not replied to a QWR that I have submitted to them certified mail XX/XX/XXXX. They are fraudulently trying to debt collect on a purported mortgage loan. They need to remove themselves from my credit report ASAP and they need to STOP sending me fraudulent paperwork. I expect you THE CFPB to handle this as they are still harassing me with fraudulent paperwork. I will be filing a complaint with the SEC .GOV as well! This purported debt was rescinded and closed out by XXXX  XXXX XXXX a/k/a XXXX.
Product: Money transfer, virtual currency, or money service

PayPal credit 's online portal would not let me make a payment. When you go to make a payment, it generates a list of banks. I have 3 checking accounts with different banks I could have used. However, none of them are options to make a payment to them on their website. This includes XXXX, the largest bank in the world. They seem to purposely preventing the ability to make a payment on debt owed because I bank with XXXX, which again, is the largest bank in the entire world and as such it could be suggested that it has a correlating popularity. 

In attempting a resolution, I'm left in a 23 minute IVR trying to get to their customer service who can not fix the situation. Hours were spent jsut trying to make a payment to them as they keep harassing me for via voicemails. 

It's 2022. I'm tired. I '' m busy. And you made me spend several hours being harassed by your voicemails, unable to make a payment with your portal, and having to try to get a hold of your customer service. So XXXX.
Product: Credit reporting or other personal consumer reports

Experian has verified an account on my credit report thats in collections by a third party debt collector XXXX XXXX XXXX however have not given me notice of how the account was verified after Ive requested information.
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) XXXX  XXXX, XXXX XXXX XXXX ACCOUNT # : XXXX,, XXXX, XXXX, XXXX. {$540.00} ; {$540.00} ; {$1300.00} ; {$300.00} PLACED FOR COLLECTION : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX I contacted XXXX Er Specialists on Tel : ( XXXX ) XXXX. I spoke to XXXX XXXX XXXX. She wants me to contact XXXX XXXX to produce itemized statements and signatures that shows I owed those four bills posted on my credit reports. XXXX XXXX, XXXX refused to talk to me. I did not receive any document from them. 
2 ) XXXX XXXX XXXX ACCOUNT # : XXXX ; {$600.00} Enclosed is the letter from XXXX XXXX that account has been paid in full. One account was reported by two collections agencies, the XXXX XXXX XXXX and XXXX XXXX XXXX. 
3 ) XXXX XXXX XXXX ACCOUNT # : XXXX ; {$600.00} Enclosed is the letter from XXXX XXXX that account has been paid in full. 
4 ) XXXX XXXX ACCOUNT # : XXXX ; {$530.00} My daughter XXXX XXXX signed 2 yrs contract with XXXX and I assumed the contract. Contract expired and equipment returned. XXXX XXXX  needs to produce signed contract for my daughter and I. The document produced by XXXX was not enough evidence that I still owe any bill with XXXX. XXXX billing system continues to generate bill and that was the one XXXX claimed I owed. There was no early termination, the account was assumed by me from my daughter. 
5 ) XXXX ACCOUNT # : XXXX The collection department rep, XXXX XXXX claimed he was not aware why they placed this account on my personal credit. He claimed it was erroneously placed. It is a business account that has many shareholders and I am one of them. Account belongs to XXXX XXXX, XXXX XXXX number XXXX. 
6 ) XXXX XXXX XXXX XXXX ACCOUNT # XXXX ; {$7700.00} This company made payment arrangement with me and at the same time maliciously contacted the repo. The company then sold the car without allowing me to get my car back less than the amount of the remaining on the car. It was XXXX brand new purchased by me in XXXX. XXXX XXXX then decided to come after me for the {$7700.00}. I wrote them and I was asked to settle for {$990.00} enclosed is their letter. The bill of {$7700.00} was not mine. It belongs to someone else. Equifax and TransUnion have deleted the information on my report but Experian still keeping it. 

XXXX XXXX ACCOUNT XXXX I left the apartment early than what XXXX XXXX statement specified. My rent is paid. Unknown bill in the XXXX XXXX XXXX statement. 

Collections and the other creditors proximate actions have caused me the following : Credit damage ; a lifetime of credit rejections ; inability to enjoy life such as buying a house ; emotional, financial and psychological pains. 

This is an attempt to correct my credit reports with the three credit bureaus. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX MD   XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX