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

I am a victim of identity theft. The below companies have fraudulent accounts on my credit profile that need to be removed immediately. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXXXXXX Bank Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It saddens me that I have to make several complaints in the CFPB regarding Bureaus and their reporting processes. At least two times Ive had to complain about duplicate accounts on my credit report and this is getting RIDICULOUS. Especially when Im in the market of buying a home. Upon checking my report, I noticed that both Experian and XXXX are reporting duplicate information and incorrect information on my credit report. As a consumer I deserve the right to a credit report that is 100 % accurate, however, both Bureaus are allowing incorrect, inaccurate, and duplicate information to remain on my credit report. Account number : XXXX is reported on my report 4 times and is damaging my score. I have reached out to the Bureaus and told informed them about this inaccurate information and unfortunately, they have not responded. I am documenting this letter as an effort to hold XXXX and Experian accountable for ensuring the information on my credit report is accurate. it is not accurate it needs to be deleted asap! THERE IS NO REASON OR EXCUSE FOR THIS TO BE ON MY REPORT 4 TIMES. I expect them to be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to discard this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. I need these accounts to be deleted immediately : 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: Debt collection

On XXXX/XXXX/2015 Identity Theft report. For medical bill and cable bill. On my credit report. I mail copy of police report, copy of my social security card and driver license to XXXX. Then I received a letter from XXXX Please be advised that XXXX, at this time, will not block the information subject to the submitted identity theft and / or police report you provided as part of your dispute. We are contacting each creditor directly to verify the accounts on your behalf. We will also forward a copy of the documents you have provided to each creditor for their review. The police report is regulated by law and secondary dissemination of any kind is prohibited. 
Case # XXXX police report.
Product: Credit card or prepaid card

I  XXXX   XXXX  CC NUMBER  XXXX   XXXX   XXXX   XXXX  WAS COMPROMISED ON   XX/XX/XXXX  FO R {$2400.00} I HAVE HAD SEVERAL FRAUD COMPLAINTS AGAINST THE CARD AND HAVE CHANGED THE NUMBER SEVERAL T IME. USSA visa IS T HE CARD I AM REFERRING TO. THIS IS THE LIST OF OTHER CHARGES THAT I HAVE TRIED TO REPORT FRAUD ON. BU T 1 ) THEY KEEP CUTTING ME OFF 2 ) TRANSFERRING ME TO A NEW PERSON 3 ) CAN NOT FIND MY INFO 4 ) TALK TO ME TERRIBLY 5 ) SCREAMED AT ME. 6 ) TREATED ME TERRIBLE, LEFT ME ON HOLD FOR 2 HO URS. I HAVE TRIED EVERYTHING TO GET THIS RESOLVED. I HAVE BEEN A VICTIM OF FRAUD IDENTITY THEFT. AND THE CARD WILL NOT TAKE MY CLAIMS. O N  XX/XX/XXXX  I   HAD SOMEONE HELP ME WITH A FRAUD CLAIM AS I AM BOR N IN  XX/XX/XXXX AND HAV E A HARD TIME UNDERSTANDING THERE TRANSFERS, AND SAME QUESTIONS OVER AND OVER. MY HELPER REPORTED THE FRAUD WITH ME TOD AY  XX/XX/XXXX  I  CALLED TO FOLLOW UP AND THEY TRANSFERRED ME AROUND F OR 2 HOURS AGAIN. I HAVE A HELPER WHO HAS FILED 2 FRAUD CLAIMS WITH ME AND STILL THEY RUN US AROUND AND PUT US ON HOLD AND SCREAM AT HER ... I HAVE TALKED  TO  XXXX  DISPUTE, AND FRAUD, TO  XXXX ,  ( NO LAST NAME )   XXXX   ( NO LAST NAME  )  XXXX   ( NO L AST NAME ) AND TO  XXXX  AT CARD SERVICES, NON OF THEM HELP ME THEY JUST TRANSFER ME TO ANOTHER DEPARTMENT.   I HAVE ALSO BEEN CHARGED {$150.00} PER MONTH FOR 12 MONTHS BY    XXXX   XXXX   XXXX   FOR SERVICES TO HELP ME. THEY HAVE NEVER HELPED M E ... DO N'T KNOW THEM EITHER. I AM AT MY WITS END WITH THIS PLEASE HELP ME THIS IS SENIOR CITIZEN ABUSE. I HAVE NO MONEY TO PAY THESE RIP OFF COMPANIES. I NEED YOUR HELP. PLEASE CONTACT ME AT  XXXX   XXXX  THIS IS THE LIST OF COMPROMISED CARDS.  XXXX   XXXX   XXXX   XXXX  AND CARD  XXXX   XXXX   XXXX   XXXX  THEY HAVE  XXXX  FRAUDULENT CHARGES ON THEM. PLEASE HELP  XXXX   XXXX .    XXXX  XXXX  XXXX
Product: Checking or savings account

I have a reliacard for unemployment and had money taken without my knowledge I called reliacard and reported the theft and they started an investigation. They gave a time line of 9 months and I waited. That was around XXXXAbout a month later I get a letter of no wrong doing and immediately call and request the transcripts of the investigation and copies of my charges and debits as mine were deleted from my app when I got my new card. What came was a letter saying no wrong doing and my charges and that were missing. Immediately called asked for the transcripts and received the same two more times. I have yet to receive the transcripts to this day. I hope you can get them because I don't think they did anything as it's pretty clear these charges are out of character looking at my spending habits. The charges are first XX/XX/XXXX at XXXX XXXX to XXXX XXXX, next is XXXX at XXXX for XXXX along with another at XXXX the same day at XXXX for XXXX, fourth is XXXX XXXX on XX/XX/XXXX at XXXX to XXXX. Any help you can provide will be greatly appreciated. Thanks and look forward to your response.
Product: Payday loan, title loan, personal loan, or advance loan

I sent a check for {$20.00} to Bread as payment on my loan. Bread has several different service contracts with various merchants, and the one governing my loan prohibits check payments which are legal tender under US banking law. Bread received my check, cashed my check, and refused to credit my account for the payment they accepted. I was not notified that they would not accept the check ; I only received demands for payment. Upon contacting Bread, I was advised that they did not accept checks, that they had cashed my check and that they had issued me a refund check which had been mailed to me on XX/XX/XXXX. To this date, I have not received this refund check and Bread has refused to provide me any documentation of its existence. Bread also refuses to credit my account for the check that they cashed.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Equifax credit reporting agency , block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, EQUIFAX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Debt collection

I received a collection letter from XXXX claiming I owe Fifth Third Bank of XXXX OH {$1600.00}. I have never done business with this bank and have no debts other than XXXX and XXXX credit cards, which I pay off monthly, and my home mortgage with XXXX XXXX. I have read on the internet of others receiving false claims for Fifth Third Bank through XXXX. My identity was stolen several years ago. It took me a year to straighten it out, and I have no patience with this type of thing now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XXXX XXXX 2017 I called eqifax 's sloppy setup call center. Wrong numbers NO intelligent answers on there clumsy breach of EVERYONES personal information. PLUS they have expired inquires still in my file. I can only assume my generic phone call for a security freeze worked. ALL over the internet, especially someone from NY times wrote an article on how sloppy and indifferent they are to there opprobrious incompetence. I called all 3 generic credit reporting agencies today. USELESS. Even annual credit report over the phone and online does NOT work for my account. Equifaxs blundering stupidity has caused me a mis-matched name to my social security number. I told ... you people this problem months ago. EVEN more insulting is WHY are these cryptic clowns at XXXX [ d ] uplicating there phony collections 3 different dates?! # I told you people about XXXX  putrid stealing, cramming SCAM only 12 times!!! I want that garbage deleted!!!! I want a security freeze in all 3 of these specious credit bureaus!!!! I want a copy of my credit report from all 3 of these derelict credit bureaus!!! Equifax clowns do n't care how sloppy and incompetent they are. USELESS phone system, wrong numbers to call.
Product: Credit reporting or other personal consumer reports

I requested a XXXX month deferrment XX/XX/XXXX ; due to temp being laid off. Payments pickked back up successfuly as of XX/XX/XXXX. After numberous calls, vm, emails and letters. The company is reporting XXXX days late for the month of XX/XX/XXXX. i had a deferrment for the moths of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I was also informed that maybe we did not get your intial request in XXXX, or it didnt land in the appropriate department ; fill put paperwork and lets see what happens. I filled out paperwork again XXXX  time. Finally I was tol to write a leter to dispute in XXXX texas about the XXXX  day latenes of XXXX XXXX that letter was writtine XX/XX/XXXX. I have yet to hear any update. I cslled merceds financial service back to inquire about my dispute letter. I was told that theres no way they can Track to see if mercedes dispiute dept in XXXX texas received my letter ; i was also told that there is no telephone number that they can provide me to see if they received my letter. I explaied to the representative, far as I know that this could be a ghost company im sendig letter too ; representative responded " pretty much '' overall, i was never late for any of my car payments since purchasing this vehicle XXXX. In addition i have been in mercedes benz the past XXXX yrs and never with any miss or late payment. I just dont undrstand why this matter can not be fixed within mercedes. i was also told by meredes to dispute with credit burea in which i did and they will f/u ; of course that never happended as well. Any assistance would be greatly appreciated
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX # XXXX AccounXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX : # XXXX Account XXXX XXXX XXXX # XXXX XXXX  XXXX : XXXX XXXX  XXXX : XXXX Has violated my rights. 
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, credit repair services, or other personal consumer reports

15 U.S. Code 1692g if the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
Product: Credit reporting or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX, XXXX. XXXX Balance : {$6400.00} XXXX XXXX XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered part of my transactions and experiences between your company and me. 

Please fix this account : CAPITAL ONE XXXX Balance : {$1000.00} Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15.
Product: Credit reporting or other personal consumer reports

After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I informed TransUnion Consumer Relation that my identity was compromised through several companies databases. where my personal information such as my name, address, social security and account number was included in a data breach. I requested unauthorized inquiries to be immediately removed due to its affecting my credit score utilization.
Product: Debt collection

I mailed a letter requesting validation of a debt that is listed on my credit report by Midland Funding, LLC ( attached ). The letter was sent by certified mail and the return receipt indicates that it was accepted for delivery on XX/XX/XXXX ( attached ). I specifically requested they cease and desist from contacting anyone except for me, and to only contact me in writing at my current address included in the letter. On XX/XX/XXXX, XXXX XXXX XXXX, XXXX, Attorneys at Law mailed a collection letter to an address that I have not resided at in several years. In the collection letter ( attached ), XXXX XXXX XXXX claim to have retained Midland Funding to collect the account for which I requested validation.
Product: Credit reporting or other personal consumer reports

I would like to dispute off the following items on my credit report. 


Equifax : XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/year> XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/year> XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/year> XXXX XXXX XXXX  Account Number : XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX Account Number : XXXX {$0.00} XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XXXX XXXX Account Number : XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX Account Number : XXXX {$250.00} XXXX XXXX XXXX Account Number : XXXX {$2800.00} XXXX  Account Number : XXXX {$110.00} XXXX : XXXX. 
Date of inquiry : XX/XX/year> XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX {$0.00XXXX XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XXXX  Account Number : XXXX {$0.00} XXXX XXXX XXXX Account Number : XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX Account Number : XXXX {$0.00} XXXX : XXXX XXXX Date of inquiry : XX/XX/year> XXXX XXXX Date of inquiry : XX/XX/year> XXXXXXXX XXXX Date of inquiry : XX/XX/year> XXXX XXXX XXXX  Account Number : XXXX {$0.00} XXXXXXXX XXXX XXXX  XXXX Account Number : XXXX {$0.00} XXXX XXXX XXXX XXXX  Account Number : XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX Account Number : XXXX {$250.00} XXXX  Account Number : XXXX {$110.00}
Product: Credit reporting, credit repair services, 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. XXXX XXXX XXXX account XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section602A 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.C1681c a ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information other than records of convictions which antedates the report more then 7years 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 tht the information is inaccurate
Product: Debt collection

About a week ago, I received a letter from  Allied Int  ernational Credit Corp.with my name, and sent to my pa rents house, not even my address. The letter basically says that their client has tried multiple times to get me to pay this debt and now it is with them.     They say it is from my  XXXX  account. I have n't used  XXXX  in years. the bill is for {$37.00}.     I sent the letter to  XXXX  and they verified that this was a scam.     " The email is a spoof, also known as a " phishing, '' email. ( That 's phishing, as in " fishing '' for personal information. ) It did n't come from  XXXX . Our  Trust & Safety t eam is working to disable any websites it links to. " -  XXXX  email
Product: Checking or savings account

I opened a Citibank Citigold checking account on XX/XX/XXXX and deposited XXXX in the account, all via XXXX in the following dates : XX/XX/XXXX, XXXX transferred from my XXXX XXXX XXXXXXXX checking account XX/XX/XXXX, XXXX transferred from XXXX XX/XX/XXXX, XXXX transferred from XXXX XX/XX/XXXX, XXXX transferred from XXXX XX/XX/XXXX, XXXX transferred from XXXX XX/XX/XXXX, XXXX transferred from XXXX A letter from Citibank dated XX/XX/XXXX, that the account is restricted from all activities and will be closed within 60 days. We tried to call and find out whats this about, was told fund was transferred from an account I do not own, which is not true. I offered to provide proof where I do own the accounts funds were transferred from, was told I can stop by a branch to submit that. We live in XXXX, the closest Citibank is close to XXXX miles away. we did later reach out to a branch in XXXX, offered to submit proof there when my wife would be there for a business trip, was told they do not take these documents and when the back office closes an account, there is no need to submit anything In short, we tried to call, requested supervisor callback multiple times, no call back, emailed a branch representative, was told issue was escalated, the account balance is XXXX, but no info on where our XXXX is or whats their plan returning it. 

Can we please get some help?
Product: Debt collection

I am writing to follow up on my previous communications regarding the dispute for account number ( listed in attach file ) which reflects an outstanding balance of {$2000.00}. Despite several attempts to resolve this issue, I have yet to receive adequate verification of this debt. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I am requesting : XXXX. Proof that I owe this debt, including a copy of the original agreement or contract associated with this account. 
XXXX. Documentation demonstrating that this debt was properly assigned or transferred to XXXX XXXX XXXX, if applicable. 

As I have previously stated, if you are unable to provide proper verification, I am requesting that all references to this debt be removed from my credit report immediately to prevent further damage to my credit standing. 

I have contacted your company multiple times without a satisfactory resolution, and I expect prompt compliance with this request. Please treat this matter with urgency and provide a response within the legally mandated timeframe
Product: Credit reporting or other personal consumer reports

I had a car financed with XXXX back in XXXX. Car was repossessed in XX/XX/XXXX. Looking at my credit report I noticed several things wrong. First it has XXXX repo dates. XX/XX/XXXX and then XX/XX/XXXX. Which is incorrect. XX/XX/XXXX is correct. Second is Charge off date which is XX/XX/XXXX on XXXX report and then a Charge off in XXXX XXXX. How is that possible when it was charged off in XX/XX/XXXX and closed. Third you can see no ND on reports. I have included photos. The first attached file is XX/XX/XXXX the second attachment is XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked Transunion and XXXX and XXXX to remove all of these inquiries from my credit report. I did not apply for the XXXX inquiries within a XXXX month. Please remove them. They have yet to do cell after admitting this is very unusual and they would take care of it, they have not. They still show on my credit report.