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

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ; XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance : {$46000.00} ; XXXX XXXX XXXX Balance : {$94000.00} ; XXXX XXXX Balance : {$8300.00} ; XXXX XX/XX/XXXX ; XXXX XXXX/XXXX/XXXX.
Product: Credit reporting or other personal consumer reports

On or about XX/XX/2023, I received a XXXX XXXX XXXX XXXX XXXX. Upon receipt, to understand the depth of the alert, I contacted a XXXX customer service representative. In an application for a consumer loan, the representative noted that personally identifying information was used. Shortly thereafter, the following additional XXXX XXXX XXXX ( and Dark Web ) alerts were identified ; i.e., XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. At that time, to determine if there were possible fraudulent activities, within other consumer reports, additional suspect accounts and collections were observed. As the result of the XXXX XXXX XXXX ( XXXX ) breach, an XXXX breach, and most recently the XXXX XXXX  XXXX data breach ; the prevailing belief is that my personal data has been compromised. Moreover, personal data is being used to open and or maintain fraudulent consumer data. 

Subsequently, I have thoroughly reviewed my credit report and would like to inform you of the inaccuracies it contains therein ( see list below ). U.S. Code 1681c-2 compels a Consumer Reporting Agency ( CRA ) to block collection activity the consumer identified as information associated with ( or resulted in ) alleged identity theft. As a reported victim of identity theft, in violation of the above code, your organization has legal culpability. For instance, under U.S. Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ), consumer reporting agencies may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. To date, I have NEVER given or afforded any Consumer Reporting Agency, or any such entity WRITTEN CONSENT to report or furnish personal consumer data. Thus, as identified, the following items constitute violations of federally protected rights.

The following attachments and letters to consumer credit reporting agencies are submitted for review.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I called Acima and told them I had been put on leave by my job to the COVID-19. I told them I was not working and there is no way I could make payments to my account. They told me that they would put my payments on hold until I started working again. However, for the past few months they have been reporting missed payments to my account after I told them I would not be able to make the payments due to being out of a job due to the pandemic. This is extremely frustrating and inconsiderate at a time such as this when people are not even able to pay their rent and put food on the table for their families because of such a deadly virus. It is not fair that my credit has to be impacted for something I had no control over.
Product: Credit reporting or other personal consumer reports

There is information thats on my consumer report that appears on my TransUnion consumer reports that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be on my consumer report. I am requesting that the reporting of this information to be blocked and deleted. My request to block is not being made in error nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block identified transactions. The identified transactions are not information related to any transaction made by me as the consumer. PLEASE REMOVE AND DELETE THE FOLLOWING INFORMATION BELOW FROM MY CONUSUMER REPORTS HARD INQUIRIES on my TransUnion report. 

XXXX XXXX XXXX  Inquiry : XXXX. XXXX, 2023 XXXX XXXX  XXXX : XXXX. XXXX, 2023 XXXX XXXX Inquiry : XXXX. XXXX, 2023
Product: Debt collection

I was orginally billed {$1500.00} for medical services rendered at XXXX XXXX in XXXX, FL for date of service of XX/XX/XXXX by a group call XXXX XXXX in XXXX, TX. 
I was approved for financial assistance at 100 % by XXXX XXXX by written approval letter dated XX/XX/XXXX. This was communicated to the billing dept. at XXXX XXXX and a copy of the approval letter was email to them on XX/XX/XXXX. 
On or about XX/XX/XXXX I received an invoice from a collection agency, Capio Partners referencing the same amount and they were retained to collect this same debt. 
I called both Capio Partners and XXXX XXXX on XX/XX/XXXX and was informed this was an error and the account has been reconciled as-of XX/XX/XXXX. 
I called the billing dept. at XXXX XXXX on XX/XX/XXXX and followed up with further documentation via email inclucing my financial assistance approval letter once again along with a detailed invoice from XXXX XXXX showing all dates of service and services rendered and any further issues with this account that I would be contacting the FL State Attorney 's Office and the CFPB. 
I learned in early XXXX that this issue had not only been resolved as I was informed, but now had been reported to XXXX and XXXX XXXX to be added to my credit report. 
I've already opened a complaint with the FL State Attorney 's Office and disputed the account via XXXX. 

This is obviously an example of XXXX XXXX engaging in persistent, fraudulent billing activities. One simply needs to look at their XXXX reviews to see this is common practice. Rather than properly reconciling the account on their as I was told on XX/XX/XXXX, they never communicated with me again and rather sold the account off to a collection agency ( Capio Partners ), who have now submitted it to my credit report despite my communication to them as well. 

I furthermore notifed XXXX XXXX 's billing dept. on XX/XX/XXXX via phone that any issues around dates of service not matching the approval letter can be resolved by them ( the provider ) calling XXXX XXXX 's financial assistance dept. at number provided on the approval letter and referring to the detailed hospital invoice showing all dates of service. XXXX XXXX refused to give me a contact person/control person/supervisory contact. 
Their information is as follows from the original invoice : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX Thank you in advance for your assistance with this matter and helping stop this harassing and fraudulent billing activity.
Product: Credit card or prepaid card

Two charges of {$140.00} and {$1400.00} were added on XX/XX/19 to my CHASE/AMAZON card, for a total of {$1500.00}. On the same statement I noticed a QUALIFIED PROMOTIONAL FINANCING transaction of {$1500.00} The charges were made to my account at that time : XXXX XXXX XXXX XXXX. ( Cancelled. ) My new account is : XXXX XXXX XXXX XXXX. 
I did not authorize these two transactions. 
In a phone call to AMAZON, they did not provide information as to : 1 ) what the promotion was about ; 2 ) any details about the promotion ; 3 ) any data relating to my signature that would have approved the promotional transaction ; 4 ) any data as to what accounts the monies involved were deposited ; 5 ) what individual received the deposits.

My XXXX XXXX XXXX account does not show any such two deposits in the vicinity of the XX/XX/19 date. 
CHASE is charging me {$86.00} monthly to cover the cost of this fraudulent transaction. 
No agent at either CHASE or AMAZON has satisfactorily provided details as to my involvement in any such CHASE or AMAZON promotion.
Product: Checking or savings account

I went to the ATM at the XXXX on XXXX XXXX XXXX XXXX, I made a withdrawal and the ATM malfunctioned and didn't give me the money I called the number displayed on the ATM and they took a report and told me to contact my bank for the money, I know things malfunction but this is the second time at the same ATM and I have to wait upto weeks to get back my money. I should be compensated immediately, but I am left with nothing until they decide to give me back my money. This has caused me stress and frustration, I have a bad XXXX and this is making my medical situation worse.
Product: Credit reporting or other personal consumer reports

XXXX XXXX appeared on my credit report I dont have a XXXX XXXX account so this is ckear identity theft. Iva alreaded disputed with XXXX submitted all supporting documents and it was blocked and deleted,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX is reporting both inaccurate and inconsistent, adverse information about me to the credit bureaus in direct violation of Federal law. They are also reporting duplicate accounts to the credit bureaus as well.
Product: Debt collection

I recently checked my credit score and saw that there was a medical debt from 2019  on it from WA. I havent even lived in WA for over 2 years. 

I sent a letter through certified mail on the XXXX of XXXX to the collections agency requesting proof of the debt as well as more details and still have not received a response. I have a receipt showing when I sent the letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 'XXXX client XXXX XXXX is a victim of ID theft. His information was used without his consent to apply for an account with XXXX XXXX. An account with XXXX XXXX XXXX was estaliblished and charged for {$4300.00} dollars. This was done without the consent of XXXX XXXX. An official dispute of this information was submitted to XXXX XXXX fraud department XX/XX/XXXX ; however as of this date XXXX XXXX has failed to provide an update of the investigation and they have continued to report the account to XXXX XXXX 's Equifax credit report. In addition an official dispute of the XXXX XXXX account was submitted to Equifax ; the address associated with the fraudulent account was also reported to Equifax however, as of this morning XX/XX/XXXX, " XXXX '' a representative with Equifax confirmed with my client, XXXX XXXX the fraudulent address and XXXX XXXX information was not being removed. 
Both Equifax and XXXX XXXX are in violation of FCRA and have violated my client 's federal consumer rights.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding an inaccurate and unauthorized collection being reported on my credit report by Equifax. I have previously requested that the debt collector reporting this account cease communication with me under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), which states that debt collectors must stop all forms of communication after a cease-and-desist request. Despite this, the debt collector is still reporting the account to the credit bureau, which constitutes a form of communication that directly impacts my credit score and financial standing. This reporting violates the Fair Credit Reporting Act ( FCRA ) because the information is inaccurate and continues to be reported even after my dispute.
Product: Mortgage

XXXX XXXX posted a misleading advertisement regarding an interest rate without giving loan type, fees, loan type, APR, loan amount, etc. He intentionally used this advertisement to generate phone calls without giving any context of the loan product.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian/XXXX/ XXXX Account : XXXX XXXX XXXX XXXX Original balance : {$27000.00} Date opened : XX/XX/XXXX Account name : XXXX XXXX Balance : {$6600.00} Date opened : XX/XX/XXXX Never lived at the following addresses : Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX My rights have been violated : They are furnishing and reporting inaccurate information on my credit report. 

15 U.S.C 1681 Section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A. 2 : it also states a consumer reporting agency can not furnish a account without my written instructions I have contacted them several times and just recently today XX/XX/XXXX with no successful outcome.
Product: Credit reporting or other personal consumer reports

Credit Karma has a breach and and Information is out there
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX XXXX, XXXX, AND XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX  XXXX XXXX, XXXX, AND XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I put in disputes with Equifax, XXXX, and XXXX, and it was a problem with my address! I reside at XXXXXXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX! heres my license and social security card! I would like these companies to continue with all my disputes and take all the negative items of my report!
Product: Vehicle loan or lease

Santander Consumer called for a non-judicial repossession order on two separate occasions. The grounds for these actions were not legal and is punishable by law. Dishonor in commerce, stalking, harassment, mail fraud, UCC 9-610, willful infringement of trade name/material, violation under the color of law, violation of the Gram Leach Bliley ACT, are a few of the many complaints against this corporation. I have filed a complaint with the department of consumer affairs, and it is being reviewed by XXXX XXXX South Carolina Consumer Affairs Supervisor.
Product: Credit reporting or other personal consumer reports

My personal information was exposed on a data breach associated with XXXX XXXX XXXX. Information like my name, surname, date of birth, addresses, cities, zips, phone numbers, and social security found on the dark web. Risk is medium to high and can show proof.
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES XXXX, XXXX, EXPERIAN, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, ON MY CONSUMER REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports and YOU DID NOT REQUEST Form SSA-89 for me to sign when application for credit was filed so therefore thered be no proof of me applying for anything on XXXX Accounts 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: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  continues to report incorrect information regarding an installment account with XXXX XXXX XXXX. XXXX XXXX has been reporting my account late for the past 5 months and that is incorrect. they receive automatic payments for me every month and my account has not fallen behind, This is reflecting my report and it is effecting my scoring with this incorrect information. this account has not been validated or verified and I am being taking advantage of. Please remove this incorrect information from my account.
Product: Mortgage

My mortgage payment statements through NewRez, LLC, dba Shellpoint Mortgage servicing, are quite often late in coming to me, however this is the latest they have been. On XX/XX/year> I called to ask about the late statement for my XXXX mortgage statement. On that call, the man I spoke with stated that the statement had been mailed on XX/XX/XXXX and then blamed the postal service for late mail. On XX/XX/year>, after I had still not received my statement, I called again. This time, a different man stated that no statement for XXXX XXXX., was shown to have been generated yet. When I asked why this was, he said he did not know and that he was unable to find out. When I asked who could tell me this information, he stated he was not able to provide me that information as his department did not communicate with the department that generated statements. When I asked how was someone held accountable, he had no answer other than the standard compartmentalized statement that he was unable to communicate with the department who handled the generating of statement ; instead he continued to say that he was " sorry. '' As of yesterday, XX/XX/year>, I still have not received my XXXX mortgate payment statement. 

When I asked for the payment mailing address so that I could send my XXXX payment, the man I was speaking with provided me the wrong address. I was able to find the correct address on papers that I had in other files.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under aXXXX open end consumer credit plan as late for a purpose. 
Please remove before this is illegal and I feel my rights have been violated.
Product: Credit reporting or other personal consumer reports

Experian is refusing to remove a public record that is being displayed on my consumer file. I have been disputing this public record since 2019 and to no avail. I called and spoke with Experian and was told that XXXX are the ones reporting the information. I then reached out to XXXX who removed the erroneous information from the system ( see attached ) and stated they have notified all the credit bureaus. Experian is still refusing to remove the erroneous public record.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill it's legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Debt collection

I reported to Hunter Warfield that I was a victim of identity theft and filed a police report along with Identity theft .gov in XXXX. They are refusing to remove the collection account from the the bureaus.
Product: Credit reporting or other personal consumer reports

There is information on my consumer report that is result of identity theft.i did not provide written permission or instructions for the identified transactions to be reported on my consumer report.i am requesting that the reporting of this information be blocked and deleted.my request to block is not being made in error nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions.the identified transactions are not information related to any transactions by me as the consumer. 

XXXX XXXX XXXX You are required what i am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice.i look forward to your response.
Product: Checking or savings account

My name is XXXX XXXX XXXX and I would like to complain about my banks handling of an ATM incident. On XX/XX/22 around XXXX, I attempted to withdraw {$500.00} from the Regions ATM located at the XXXX XXXX XXXX on my statement as Student XXXX XXXX XXXX LA XXXX XXXX. The machine went dark and I did not get my money. When I checked my account via my app, I noticed that they had deducted the {$500.00}, however. The last XXXX digits of the card I used was XXXX. 

I then filed a claim with my bank and was told it would be XXXX business days for them to complete an investigation. After XXXX  days passed, I called again and was told XXXX days for processing. After XXXX  days, I was told it would be up to XXXX business days to process, and on the XXXX day, they sent me a letter declining to reimburse me for my loss without mentioning why. 

I did manage to snap a photo of the blank ATM at the time and I have included this in my complaint as well as a screen grab of the location and time stamp on it.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that the following accounts and inquiries be blocked and deleted from my credit report, as they are a result of a data breach and identity theft. In accordance with my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the removal of these items from my credit file to ensure my personal and financial information is protected. 
Accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX