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

These tax liens are self-releasing and should have already been removed off of my credit report. Also, there are other tax liens with different dollar amounts that are incorrect o my credit reports. All liens have been paid and should have been removed in 2014. We have spend over {$15000.00} in trying to solve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE CONTACTED EXPERIAN-XXXX-XXXX  CREDIT REPORTING AGENCIES . ALL 3 CREDIT REPORTING AGENCIES TELLS ME I HAVE NO FREEZES, FRAUD ALERTS OR LOCKS ON MY CREDIT REPORT. MY ACCOUNT ONLINE WITH ALL 3 CREDIT REPORTING AGENCIES TELLS ME THE SAME THING : NO FREEZES, FRAUD ALERTS OR LOCKS. WHEN MY BANK TRIES TO RUN A CREDIT REPORT FROM ALL 3 CREDIT REPORTING AGENCIES, IT STATES ON THE BANK 'S SIDE : XXXXFILE FROZEN DUE TO FEDERAL LEGISLATION. THE BANK HAS RUN THE REPORT FOR 7 DAYS STRAIGHT AND THEY ARE GETTING THE SAME ANSWER. I AM TRYING TO GET MY LOAN FOR A LOT. I NEED HELP PLEASE
Product: Debt collection

On or about XXXX, XXXX, I pulled my credit report, going over, I found out multiple accounts that did not belong to me, knowing this I started to do my own research to know how to remove the accounts that did not belong to me. on XX/XX/XXXX, I started disputing the incorrect information using different types of letters. I have been disputing wrong information on my credit report for about a year, a lot of the accounts that were not mine were already off of my credit report, but, no too long ago I received a collection letter from CONVERGENT OUTSOURCING INC trying to collect on Behalf of XXXX, one of the accounts that were included on my identity theft package. The account is highlighted on my Affidavit of Identity theft package that I am uploading.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and Social Security Number : XXXX, and 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 shall 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 : Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax 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 XXXX 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

I have looked into my record online - I had asked for transcripts of the information from the insurance company that made fictional claims against me, and this has impacted me in such a negative way that it is impacting my quality of life. There is a company called lexis Nexis I've never heard of them- but I know that the information which is on my Vehicle Insurance history is false. It needs to be removed from my records that were falsified by XXXX XXXX XXXX about claims that I stated incorrect dates or made a fraudulent claim in which I had requested the voice recording and logs of the calls that took place between me and their company which they failed to provide such proof of the conversation happening between myself and XXXX  XXXX XXXX. I had asked them to remove these remarks from my insurance history, but they have failed to remove them. I ask that all negative remarks from XXXX XXXX XXXX and Incidents that were never made with them be removed from my insurance history records immediately. I am unsure of several remarks on my file which I do not know what they are. Please be careful when doing business with XXXX XXXX XXXX  they will drop you if you make a claim and don't want to pay it out or they will try to make you " say things '' so they do not have to cover the " claim '' and they will accuse you of making fraudulent claims - I dropped them when they tried to do this with me and went with a new insurance company.
Product: Credit card or prepaid card

XX/XX/XXXX called Bank of America and went into the actual bank to speak to an associate. We were told our joint credit card information had to be updates. Updates were made and associate said card was reopened. Card remained open from XX/XX/XXXX to XX/XX/XXXX. We tried to make a purchase on XX/XX/XXXX and found out card was completely closed. 
We went back to back and talked to same associate. She was dumbfounded as to cause of the problem. BOA would not even tell her that that a BOA employee in XXXX closed the account. Our records show that we have had the same credit card account since XX/XX/XXXX and have never had any issues until now. 
Bank said they tried to call us in XX/XX/XXXX and sent a letter. We did not see any letter and the day they said they called us and talked to my wife was a day we were out of town. 
After being transferred from department to department the bank associate was angry that the bank was going to request a new card. Nothing has been changed on our old card and this kind of harassment is unacceptable for excellent customers with no problems at all. We have to wait at least three days until they " make a decision '' as to whether the account will be opened or not. Even the bank associate said there is absolutely no reason that anyone should have closed the account and made things difficult for us as bank clients.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I mailed off a dispute letter for accounts that were listed on my credit report that did not belong to me on the XXXX of XX/XX/XXXX Today is XX/XX/XXXX and I have not received no response back from the credit bureau.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is reflecting a XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I contacted the court and they responded do not to you or any credit bureau for that matter ; therefore the item with the court was either an error or fraudulent. The reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.
Product: Credit reporting or other personal consumer reports

I have received your computer generated letter stating investigation of my credit reports because, in your opinion was sent by a third-party credit repair agency. Not only do I be this was strategy to grant you an additional 30 days. I also believe it to be a blatant violation of the FCRA. I provided my state issued ID, Social Security card as well proof of residence so that it would be no confusion. ThatI questioned the accuracy of a few items quest was written by me and mailed by me not third-party agency or anyone else. Please stop with thestall tactics.

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

After reviewing my credit profile on XX/XX/2023 I identified a discrepancy with account listed under XXXX  XXXX  and validation was requested as this was an account that I did not recognize I reviewed my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was send out on this day. After reviewing credit report again on XX/XX/2023 there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all the information is correct.
Product: Credit reporting or other personal consumer reports

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information.

In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.

I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private.

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title.

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately.

1. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

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

XXXXXXXX XXXX XXXXXXXX Balance - ; XXXX XXXX XXXX Balance {$500.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$730.00} ; XXXX XXXX XXXX XXXX {$9000.00} ; XXXX, XXXX XXXX XXXX {$1300.00} ; XXXX XXXX XXXX XXXX XXXX {$9000.00} ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX MT XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, 2022 ; 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: Credit reporting, credit repair services, or other personal consumer reports

I sent this request that you reinvestigate the disputed Accounts from my credit report as well as update this Account from my report during the investigation period. As of this date, you have failed to respond to my request. 
XXXX XXXX XXXX Balance : {$150.00}, XXXX XXXX XXXX Balance : {$8.00}
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

United Consumer , Inc. keeps calling my phone number for a XXXX XXXX XXXX ; the phone they leave is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been found out that you are not REMOVING items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a legalized response. In the event that you decide to not DELETE the accompanying things recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law : XXXX XXXX XXXX Balance : {$470.00} ; XXXX XXXX XXXX Balance : {$870.00} ; XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$1700.00} ; XXXX XXXX XXXXXXXX Balance : {$1200.00} ; XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX {$900.00} XXXX XXXX XXXX Bankruptcy XXXX XXXX : {$0.00} ; XXXX XXXX Bankruptcy XXXX XXXX : {$0.00} ; XXXX XXXX  Bankruptcy XXXX XXXX  : {$0.00} ; XXXX XXXX Bankruptcy XXXX XXXX : {$0.00} ; XXXX XXXX Bankruptcy XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX, 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 XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, I have had several other vehicles and credit accounts removed from my credit. XXXX is refusing to allow the removal of this fraudulent debt. 

The dispute for the account with XXXX XXXX XXXX XXXX that starts with XXXX was not changed as a result of our processing of your dispute. The company that reported the information has certified to Experian that the information is accurate. 

I want to see what they are claiming is certified proof-
Product: Credit reporting or other personal consumer reports

As per 15usc 1611 Experian TransUnion and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. I'm requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your " credit '' report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. I'm requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer I'm requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. CC Attorney 's General Office. Cc XXXX XXXX XXXX. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency
Product: Checking or savings account

I opened an account online at regions bank on XX/XX/year>. 

They required a deposit of {$50.00} which was funded. 

I then went to the Bank the next day to get a bank letter but could only get a direct deposit form. ( XX/XX/XXXX ) On XX/XX/XXXX, I go to the Bank to see if I could get a temporary debit card. But was told my account was closed but neither the branch manager or their corporate customer service could give me a reason and kept telling me to call one or the other. ( Branch would tell me to call corp and corporate would tell me to call the branch ) I was then told on XX/XX/XXXX the account would be closed on the XXXX XXXX XXXX and a check would be issued and would arrive in 10-14 business day for the total of my initial deposit ( {$50.00} ) I followed up again around the XXXX and was told the check was issued but they could not give me any information.

I call again today XX/XX/year> and ask for the status and that I still have not received my funds. I called the branch who told me to call the corporate office and again the corporate office told me to call the branch.

I tried to conference in both the corporate office and branch on the same call and both disconnected.

I still have not received any documentation on my account being closed.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

i received an annual statement from Seterus regarding PMI from my mortgage statement which detailed how PMI could be cancelled/terminated. XXXX of the ways stated was that if the current balance ( $ 291K ) was less than 78 % of the ORIGINAL APPRAISED VALUE of the property ( $ 399K ) - PMI would be terminated. I called and tried to explain that the Loan to value on my loan was 73 % based on the original value and asked why PMI had not been terminated and that since it should have been terminated when the loan to value became 78 % - i was owed a refund of all excess payments i had made. At first the rep XXXX XXXX XXXX said i had n't reached the required level ( despite going through the notion with him of calculating the original Loan To Value and current Loan to value ) and then stated some nonsense about interest being added back in order to calculate Loan to value. I stated that did n't make sense. He said of course it did as the Bank needed to make money on the loan. He said he would send me a package so that i could request the cancellation of PMI. I told him not too as that was n't the program under which the PMI should have automatically dropped off. I then asked if he was new to the position. He stated he was n't and understood PMI and how it worked. I then asked for a supervisor. He said there was no need as the supervisor was just going to repeat what was on his screen anyway. I insisted. He asked me to hold on and never came back.
Product: Debt collection

Ive contacted the company numerous times pertaining to a collection thats reporting on my credit report. Ive requested that they send documentation validating the debt that is owed and theyve failed to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are in direct violation of the fair credit reporting act first premier bank XXXX has violated several of my rights. 

15 U.S.C 1681 sec 602 A. Clearly states that I have a right to privacy.

15 U.S.C 1681 sec 602 A. Also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B. A creditor may not treat a payment on a credit card account under a open-end consumer credit plan as a late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under the fair credit reporting act.
Product: Credit reporting or other personal consumer reports

i am victim of identity theft someone has used my identity to obtain services and goods using my personal information.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against TRANSUNION for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TRANSUNION for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have previously disputed the accuracy of this charge off account withTRANSUNION and provided evidence that the information is inaccurate. However, TRANSUNION has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX ) : ( XXXX XXXX XXXX  ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks, Fair Resolution!