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

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX CARD on XX/XX/XXXX under the account number XXXX XXXX an account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX XXXX a personal loan account opened XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of $ private that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 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 card or prepaid card

I ordered 2 truck doors from an online seller. The online seller said he only accepts XXXX and told me I must use the friends and family method thru XXXX. I did not know any better since I never purchased anything thru XXXX in this manner. The seller turned out to be a scammer, because if I used the regular XXXX  method he would be required to reimburse me the funds I paid him if I complained. Since he scammed me using this XXXX method, I filed a dispute with Sears credit card since this is the credit card attached to my XXXX account. These truck doors are very heavy and cost me almost {$200.00} to have shipped. The doors I ordered were not as described, they were in horrible shape and had rust holes everywhere. He took the pictures as to not show any of the defects and his online add said they were 99 % rust free and he even told me on the phone that these doors were in excellent condition. 
Sears said I had to return the doors to get a refund, I tried to explain to SEARS that this wasn't some small package that cost {$5.00} to return, that it was a very large item that would have to go truck freight and would cost about {$200.00} to ship. I've already paid {$200.00} to get them shipped to me. Since the online seller deliberately scammed me by selling me something that wasn't as described, the seller should pay for the shipping. I told SEARS they should be defending me, since I am their customer and have been an upstanding customer for many years. Instead, SEARS took the side of the scammer and insisted I pay for the shipping. I argued this point with SEARS over and over but they insisted I return the doors. When I contacted the seller/ Scammer and said I was going to return the doors, he said he was going to refuse the shipment and said he told me they were sold as-is. When SEARS called him, he told SEARS he would accept them back, but tells me he will refuse the shipment because I gave him a bad review. You see he knows how to work the system. I paid {$660.00} for the doors plus almost {$200.00} for shipping. why would I ship them back to satisfy SEARS knowing he won't accept them and then Id have to pay for shipping back to me again. If I did that, I'd be out for almost {$600.00} in freight charges plus the {$660.00} I paid for the doors. I am stuck, please help, SEARS is being unreasonable.
Product: Credit card

On XXXX, XXXX  I received a letter in the mail from Capital One and the contents of the letter were a quicksilver credit card with my name and address. I prior to receiving the letter I did not seek any information about Capital One or in regards to opening account with them. I tried to see if I was able to log into the account to see if I could find out any information about the account ; I tried to long in by forgetting user name and it sent me to the option of sending a code to a email or number and the email and ending of the numbers did not match my current phone number. I called Capital One and explained the information as stated above in regards to not opening the account or credit card, and the stated they will begin an investigation. They as well recommend to make a report with the Consumer Financial Protection Bureau, and a police report to help my case.
Product: Checking or savings account

This is the second time I've made a dispute with chime irregardless to unauthorized transactions made on my billing statement on XXXX and on XXXX in which both disputes were closed and denied and reason was stated as they found no error with the transaction. No further information was given which doesn't give much help, doesn't give any further information as t what means of evidence was performed to acquire the final determining. This is very unfair and unprofessional of chime to not give any more clarity as to why the details of the denial.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Escrow charges in the amount of {$370.00} were placed on the bill allegedly for lack of proof of insurance in XXXX of XXXX. 

Proof of insurance is scanned into UWM system on XX/XX/XXXX @ XXXX AM. 

Then loan was sold on XX/XX/XXXX, with these escrow charges even though proof of insurance once again was scanned into the UWM system on XX/XX/XXXX @ XXXX AM before the sale of the loan. 

The current lender notes that UWM must remedy this issue to remove incorrect escrow charges from the loan purchased from UWM.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Debt collection

I contacted XXXX XXXX XXXX  on XX/XX/XXXX in regards to a notification on my credit report. They informed me of my balance of XXXX that was sold to XXXX XXXX XXXX. They gave me a telephone number 0f XXXX with and address of XXXX XXXX XXXX XXXX South Carolina XXXX. I called the number and the number was actually to XXXX XXXX XXXX a company that manages accounts for XXXX XXXX XXXX. XXXX  referred me to XXXX gave us reference number XXXX and a telephone number of XXXX. I called the number and left a message no live agent available. I referred to a letter I received the Law offices of Steven Cohen LLC address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ny XXXX telephone number XXXX. I was placed with a manager named XXXX my husband asked him questions about the letter received and why the balance was over XXXX currently when the debt purchased price was XXXX. He said because there was a judgment placed in XXXX County by XXXX XXXX  XXXX and gave me an index number XXXX after looking into it there was no such index number or judgment. The Law Offices of Steven Cohen said it was placed in XXXX. I contacted XXXX XXXX XXXX at XXXX they would not release any information about any judgments and informed us XXXX XXXX XXXX recalled the account. After doing another search for a judgement I contacted XXXX County Sherriff the deputy informed me that they had just today received a judgment from the Law Offices of Steven Cohen and I would received paper work for it within 2 days. The same company that had told me I had a judgement from XXXX for the same exact matter. When I had first contacted the Law Offices of Steven Cohen XXXX XXXX answered the phone with music blasting I gave her my name she pulled up my account. I feel that the amount they are trying to collect is illegal and unfounded and their methods of intimidation to collect the amount of money are blatant violations of the FDCPA
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts below : XXXX XXXX XXXX XXXX Balance : {$4200.00}, XXXX XXXX XXXX Balance : {$29000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been over 30 days and the credit has not updated the information nor has provided proof or documents in regard to late payments on my account. Under federal law, they had 30 days to delete the incorrect information and they have not. 
In addition, I was not given any opt-in or opt-out information on reporting by 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX student loans 5. Any credit reporting agency i.e. XXXX, XXXX XXXX, Experian violation of federal law as outlined and enforced, also this is a violation of Trust Res property and certified documents held by a private American wo is not a United states citizen. 
All latest are to be removed immediately from my entire report, XXXX XXXX Deleted, all credit balances as well. No intimate information must be shared as they do not have my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries bad remarks on my report that I don't recognize
Product: Debt collection

i have a few different cards on my account that were opened and used without my knowledge. they were closed before i even know they were being used, i have no idea who opened them and ive already delt with the problem of identity theft but the companies are not willing to take the cards off of my name or even open them back up and allow me to use them. i would like for those cards to just be taken off my credit report so i can open cards in my name without negative assesment that were unknowingly brought on to me.
Product: Debt collection

I was in a domestic issue with my ex-boyfriend and I had lived at XXXX apartments, he beat me up and I had to call the police to save me and my son because of this I did have to move to protect my son and myself and under the " Safe Homes Act '' in Illinois they should of never put this on my credit. I had sent in all my information to dispute the account to XXXX XXXX XXXX on XX/XX/XXXX and called multiple times and they still said it was in processing they took 31 days to finally decided what to do with it and sent it to XXXX XXXX XXXX on XX/XX/XXXX and that was day XXXX. With the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), they have 30 days to verify the information within the 30 day time period, then they must delete all of the disputed accounts from my report. The reason they said they sent my account to XXXX is because i was out of the state of Illinois but when I sent over paperwork and started calling them on XX/XX/XXXX they knew that I wasn't in the state of Illinois.
Product: Debt collection

on XX/XX/XXXX XXXX XXXX put a collection on me for {$2500.00} for a hospital bill that was from a follow up visit for an on the job accident ... 
and i have a XXXX XXXX XXXX thru workers comp XXXX XXXX XXXX knew this because i was brought there bye ambulance on XX/XX/XXXX after a 60foot fall at work and they were told bye my lawyer that workers comp was paying all bills and do not send any of them to collection and they did it anyway .... 
my lawyer and i have both talked to XXXX XXXX XXXX  and the XXXX XXXX people ... and they refuse to remove it ... .the bill was turned into workers comp and paid in full yet i still get harassing phone calls from both of them threatening to damage my credit further and garnish my wages that i dont have ... when i am crippled for the rest of my life
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE ROPTED TO FTC, I HAVE WRITTEN XXXX  WHICH MAKES SO MANY MISTAKE TO HURT CONSUMERS, AND WRITTEN CREDITOR ABOUT THE INQUIRY
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I submitted a dispute request to Experian about a item listed on my credit report under the name of XXXX. After Experian done their reinvestigation they stated on XX/XX/2023 they didn't change none of the data under this account. And stated that the data furnisher claimed that. All of information listed under this account was accurate and verified. But if you look at the " date last active '' that is being reported on this account. It is inconsistent on all three of my credit report files. I have uploaded and attached all of the documents needed to support my claim along with this complaint.
Product: Debt collection

Received letter sent to my parents address dated on XX/XX/year> ( XXXX XXXX XXXX, XXXX, MA XXXX ) from Judgement Acquisitions Unlimited ( Unlimited spelled Unlimitied on the document ) from Creditor " Own.lease Inc '' in the amount of {$3000.00}.

This debt is not mine, i do not have any outstanding payments or bills to this company nor any other.

I believe this is a scam- please refer to attachment for letter sent ( i received two separate copies of this letter ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed MULTIPLE disputes against Experian and none of the problems have been resolved. Instead, my credit has been decreased! 

I called customer service multiple times and requested for a NEW SECURITY FREEZE PIN CODE be sent to me. It's been months now and I still hadn't received it in the mail. 
It only takes 7-10 business days so this means NOTHING WAS MAILED. 
Since then I have tried to pull my credit online since I need my Security freeze pin to temporarily lift my security freeze to have my credit pulled. The request online for my free credit report was denied! 
I HAVE SENT IN MULTIPLE COMPLAINTS ABOUT MY IDENTITY BEING STOLEN AND EXPERIAN REFUSING TO ASK FOR A PINCODE UNLESS THY WANT TOO.

AND NOW I CAN NOT GET ACCESS TO MY ACCOUNT TO CHECK MY CREDIT DUE TO THEIR NEGLIGENCE!

I was informed that I needed to print the current document and include a copy of my DL, proof of SSN, and a Utility Bill.

I DID THAT!

I sent the form and a letter requesting for my Security Freeze Pin to be CHANGED and mailed since I hadn't received one after my last few request. 

Proof of Identity was mailed on XX/XX/2020 and it's now XX/XX/2020 and I have not received a thing in the mail. 

When I get a response from Experian as to why they failed to provide the new Security Freeze Pin. I will continue with how I know they received the letter and I can provide the content that they received! 
WHY WAS MY REQUEST FOR A NEW SECURITY FREEZE, IGNORED?
Product: Credit reporting

This account was opened, used and paid off by an old room mate that had stolid my ID. I have asked for it to be removed because of fraud, but they will not help me. I filed with Federal trade commissions Id theft web site last year.
Product: Debt collection

Complaint Summary : I am submitting this complaint against Midland Credit Management , Inc. regarding a collection account they reported without validating the debt as required by the Fair Debt Collection Practices Act ( FDCPA ). Despite receiving my formal debt validation request, Midland failed to provide validation and continued to report the account, causing harm to my credit profile. 

Additionally, I have filed a Demand for Arbitration with the XXXX XXXX XXXX ( XXXX ) against Midland Credit Management. Attached are the arbitration filing form and supporting documents, including my debt validation letters and correspondence. 

Midland recently removed the account from my credit report without explanation, which suggests they were unable to validate the debt. However, this action does not absolve them of their previous violations or the harm caused by inaccurate reporting. 

Attachments : XXXX. XXXX Demand Filing ( XXXX ) 2. Debt Validation Letters XXXX. XXXX  Complaint and Correspondence 4. Credit Reports Showing Midlands Reporting and Removal
Product: Debt collection

Delete the identity theft-related accounts from my credit file within the required timeframe, as mandated by FCRA. This is a final warning : If the listed accounts are not blocked or removed, legal action will be taken, and my attorney is ready to ensure accountability for your noncompliance. XXXX  XXXX XXXX and XXXX XXXX XXXX. Please remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried submitting various complaints to   XXXX  Equifax,  XXXX   XXXX   with no clear results of the dispute stated other than they are right and you are wrong. I submitted  XXXX  dispute to  XXXX  on  XXXX   XXXX ,2017 and on  XXXX   XXXX ,  2017  I was notified the " investigation '' was completed. They are required under FCRA regs to complete a thorough investigation on each account. I do not believe that this has been the case for my accounts. My wife and I are suffering daily because of false reports that damage our score from access credit inquires required to get a reliable vehicle, insurance premiums, and the possibility of buying a home.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against [ Credit Bureau Name ] regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ).

On [ Date of Credit Report ], I discovered discrepancies in the following account ( s ) : Account Name : XXXX XXXX XXXX Account Number : XXXX Disputed Information : [ Describe inaccuracies, e.g., incorrect balance, wrong account status ] Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation. 
2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, Experian has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an inquiry for an American Express business credit card i do not recognize
Product: Debt collection

LVNV FUNDING hid who they represent on my XXXX, The original creditor use the excuse of the pandemic for why they could not work arbitration. They then sold the account to a debt buyer before the pandemic was declared over. XX/XX/year> would have been the statute of limitations in the state of Alabama on the credit debt, but LVNV funding After telling me, they would get back with me a lawsuit, got a default judgment a year after the statute of limitations was over And still refused to talk to me. They filed false documents with the state of Alabama for recording, which is a violation of Alabama state law and is being investigated by the attorney generals office.
Product: Credit card

I was charged and " Annual Membership Fee '' of {$95.00}. 

I do n't understand why I should have to pay this.