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

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CT XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$4900.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX  ) 0000000003378****Balance : {$450.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$300.00} ; XXXX XXXX XXXX Balance : {$4900.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$220.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$58.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$390.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft WF CRD SVC Account Number : XXXX This is not mine.

2. Identity Theft XXXX  Account Number : XXXX This is not mine.
Product: Debt collection

I was sent into collections from XXXX XXXX on XX/XX/2022 and on the same day I made a payment. I was always sent a reminder in the mail to make a payment and instead of trying to contact me to get this resolved they just turned me into collections. No phone call no mail nothing and on top of that XXXX Accounts the debt collection agency never notified me of any such collection. Again, no phone call, no mail nothing!!! Tried to rectify the situation with the doctors office and they would not even accept a {$50.00} payment from me to try and pay off my bill with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two Capitol One credit cards. During the mandatory shutdown of my state, I took advantage of deferring payments from several companies with no problems. 
One of my cards from Capitol One I had no issues with and resumed payments as instructed. I did this also with the other one based on the information the representative on the phone gave me. Capitol One reported a late payment during this deferment they offered. I have an exceptional on time payment history with this company. This affected my credit. I sent copies of my statements as well as my credit report to the address they instructed me to and have had no response. 
They are taking advantage during a crisis and it's unacceptable. 
I would like them to remove the late payment reporting on all three credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried multiple times to dispute inaccurate information on my XXXX, XXXX, and transunion credit report.I have ask both companies to send me any documents with my original signature, or proof that shows that this is my account. This inaccurate account is hindering me from getting my career started. I have never filed for bankruptcy. 

All three bureaus are reporting that I filed for bankruptcy. Please delete this inaccurate information.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items in there to be inaccurate. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S. Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ). In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately :
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its 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 Equifax, alleged, systematic issues, such as failing to forward consumer provided evidence to furnisher, accepted, unreliable, responses, and failing to adequately, notify consumers of dispute outcomes. These failures aligned with my experience, where Equifax 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 account, as Equifax in action, violates federal law and rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax notified me regarding XXXX XXXX XXXX that information " HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *ADDITIONAL INFORMATION *ACTUAL PAYMENT *SCHEDULED PAYMENT *XXXX XXXX. '' Errors still exist on my credit report when I never had any creditor relationship with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX was never my original creditorXXXX XXXX XXXX XXXX XXXX does not appear in my credit file as an original creditor, charge-off, past due balance, amount owed, collection, etc owed to XXXX XXXX XXXX XXXX  for an amount of f {$2100.00} or any such amount. There is no debt owed to XXXX XXXXXXXX XXXX XXXX as my original creditor because I never had any creditor relationship with XXXX XXXX XXXX XXXX. 

Equifax failed to produce any documented evidence of how XXXX XXXX XXXX a Debt Buyer Account is owed a past due amount of {$2100.00} for a debt owed to XXXX XXXX XXXX XXXX as the original creditor. There is no contractual agreement containing my signature to establish any creditor relationship that exists or existed between myself and XXXX  XXXX XXXX XXXX 

XXXX XXXX XXXX is listed on my credit report for a Collection balance owed for a debt to XXXX XXXX XXXX XXXX as the original creditor that is an error. 

Equifax remains in direct violation of The Fair Credit Reporting Act ( FCRA ) and XXXX XXXX XXXX  remains in direct violation of The Fair Debt Collection Practices Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several request to update and correct my name and addresses that are on my consumer report. By law nothing should be on my report without that is incorrect or approved be me the consumer. My name is XXXX XXXX XXXX no other name or names should be on my credit profile as they are not correct. My address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX no other addresses or previous addresses as they are incorrect should be on credit profile. It's the duty of these consumer reporting agencies to provide accurate and exact information with the consumer consent as all this information is my personal information. Please update with XXXX name and XXXX address.
Product: Debt collection

The debt account that Im filing a complaint against is XXXX XXXX. The debt was bought from XXXX XXXX/Synchrony Financial in the amount of {$220.00}. On my credit file it is stated that the balance owed is {$0.00} but the debt was bought by XXXX XXXX and reaged on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am submitting this CFPB Complaint to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information shown on my credit report. I, therefore, request that you immediately remove this information from my credit report with your firm pursuant of the FCRA XXXX XXXX. By the provisions of the FCRA XXXX XXXX, I am requesting to delete the following fraudulent items completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX dated XX/XX/XXXXXXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX Inquiry dated XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

My daughter and I have a joint account in XXXX with XXXX. She requested a transfer of XXXX euros at a XXXX XXXX branch location to my account at XXXX XXXX XXXX  in the United States. After a couple days I went to a XXXX branch location to inquire if my money was transferred. I was told at the XXXX XXXX  that they had rejected the transfer ( without notifying me first ) because my account was dormant ( they had not notified me that my account was dormant ). My daughter went to the XXXX bank in XXXX again and asked where the money was and was told by XXXX that they would automatically try to transfer the money again even if it was rejected the first time. If unsuccessful, they would return the money to the original account. After I still did not receive the money a week later, my daighter for the 3rd time asked at a XXXX branch where the money was. She was told that the money is currently at an intermediate bank in the U.S, ( Wells Fargo ) and the transit was in progress. Money was sent by XXXX on XX/XX/2021, today is XX/XX/2021. I have still not received an answer from XXXX or Wells Fargo about where the money is and when I will receive it.
Product: Credit card

I have a Chase Sapphire Reserve credit card and pay a steep annual fee for the benefits. One of these benefits include travel/trip cancellation/delay protection. I filed a claim on XX/XX/year> for reimbursement for a trip that cancelled due to XXXX XXXX XXXX XXXXXXXX. It has been nearly 4 months and my claim is being dragged along. This is completely unacceptable. Chase is very aware that the third party company they hired to review claims are incompetent and wears their customers out by requesting the same documentation over and over again. My next step will be a lawsuit in small claims court where I will name Chase and the third party company they contracted to terrorize their customers who file claims in good faith. There is absolutely no reason I have provided documentation for my claim repeatedly and my case is still open XXXX months after the fact. Chase is falsely advertising their benefit and is a complicit party. 

My XXXX  number is XXXX. All documentation that I uploaded in regards to my case is available in their portal utilizing that claim number.
Product: Credit reporting or other personal consumer reports

On XXXX i file a dispute with Equifax because a lot of credit building tools i paid for were on all the other credit bureaus but Equifax. Equifax place an internal block on my account without my permission or knowledge until this day. I have paid for over {$2000.00} in credit building tradelines but Equifax has refused to place on my account. They say is was because of XXXX being place at the end of my last name. But I have sent in documents over and over showing that I am not a XXXX. I have filed disputes on this in the past and even file a complaint. So now in return they have place a block on my credit file that now no one can report to. This is not only hurting me because Im trying to buy a house but hindering me from getting ahead in life. This credit bureau is the worst out of the XXXX. When I filed the dispute I told them to remove this block from my file, but they still havent. Nor have they reported all the trade lines I just bought.
Product: Checking or savings account

In early XX/XX/XXXX, I received a letter in the mail from TD Bank. The letter showed that an account had been made in my name using my social security number and address. My name was spelled wrong. I use TD for my checking and credit card account so I was surprised because I use paperless statements. The account showed that on XX/XX/XXXX, the IRS deposited the 3rd stimulus check of {$1400.00} to this account. Two days later, someone drained the account at a TD ATM and left {$12.00}. I immediately called TD Bank and went to the local branch after understanding what had happened. They closed the account and gave me identity theft materials. I have called several times to their fraud department and they are saying there is nothing they can do. I have submitted all necessary documents to the IRS, who are completing a payment trace. The IRS can tell me where the funds went but because they have been taken, I doubt I will ever get any of them back. TD failed in their security as clearly, this was a fraudulent account. Instead of resolving the issue and giving back the {$1400.00}, they are acting as if it is my fault and there is nothing they can do to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2019 I noticed multiple accounts listed in my credit file not belonging to me. Upon further research, I learned that my personal identifying information had been used without my consent to acquire credit cards, loans, and to rent apartments. I immediately notified the 3 major credit bureaus that I'm a victim of identity theft and requested that an extended fraud alert be added to my credit file. I completed an FTC Affidavit listing the accounts that were a result of the identity theft, filed a police report with my local police department, and wrote a letter to TransUnion identifying the accounts that were as result of fraud. I requested that the information be immediately blocked pursuant to FCRA 605b. TransUnion and XXXX  continues to report information to my credit file that it has knowledge of being a result of fraud and identity theft.
Product: Checking or savings account

I called Wells Fargo on XX/XX/19 to close out all accounts associated with me or my wife, XXXX XXXX. I was told that my checking account had a negative balance of {$30.00} and, in order to close out my account, I would need to pay that amount before XXXX EST. I immediately went to a Wells Fargo location and submitted this amount. I was assured that my account was then closed. However, it was not. I have incurred fees from recurring payments that I had yet to change. I was under the informed impression that my account was closed and I would not incur any additional fees. I tried to rectify this situation, on XX/XX/19, by calling Wells Fargo customer support. I was passed around through 7 different individuals, all of which to say that there was nothing that they could do to fix my problem. I was under the impression/information given to me, that my account was closed. These additional fees amount to predatory lending from an account that I have held for over 20 years with Wells Fargo. I need a solution. Please.
Product: Mortgage

I applied for a loan modification in XXXX i submitted all the documents on XX/XX/XXXX and additional documents on XX/XX/XXXX, i received a email on XX/XX/XXXX stating that 4 items where needed with a due date of XX/XX/XXXX, the letter was address to me and supposedly mailed to me which would have been possible because it had the wrong address on it, also we spoke to XXXX XXXX who is the point of contact for this file and informed XXXX XXXX and my self of the missing documents on XX/XX/XXXX with a due date of XX/XX/XXXX basically giving us one day to get the 4 items in which was on a Thursdays day and we sent the documents in on Friday XX/XX/XXXX, directly to XXXX XXXX XXXX number XXXX which goes to her computer, we followed up with her on XXXX XXXX via email and left messages in her voice mail and called customer service regarding the documents only to be told we could send her a email or leave her a message, we didn't her back from her until XX/XX/XXXX only to told that she didn't get the documents to her efax which is the one we have used all this time, so we resent the 4 items again on XX/XX/XXXX, and of course bayview tells us its after the due date of XX/XX/XXXX and a sale date of XX/XX/XXXX which was more than of enough time to get the loan mod done but they would rather foreclose then to say that XXXX XXXX never responded XXXX XXXX emails or phones calls asking her to confirm that she received the documents that went out two weeks prior on XX/XX/XXXX, we included copy of the dated documents for XX/XX/XXXX a copy of the email from her on XX/XX/XXXX thru her automated dated document system requesting the documents the XXXX items and a copy of the emails asking her to confirm that she received the 4 items.we responded to every phone the same day or the next day from XXXX XXXX but she never responded to any of our emails or phone calls during XXXX XX/XX/XXXX, bayview had plenty of time to process this loan mod from XX/XX/XXXX to XX/XX/XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXXXXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX BANK XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I received a notification from XXXX, an OMP cyber   incident monitoring service which identifies possible fraudulent activities on one or more credit reports. According to XXXX, on XX/XX/2018, someone reported use of an incorrect address ( XXXX, MD XXXX ) on my credit report. XXXX does not show the entire address but instructed the consumer to reach out to the credit reporting agencies to obtain said information and dispute any inaccurate information on report. 

On XX/XX/2018, I immediately reached out to Experian to find out who reported this incorrect address, how it was reported, and a complete address to dispute. 

Experian refused to provide this information or allow the consumer to dispute the inaccurate information contained in the consumer credit report with full knowledge if someone tried to report a new address most likely will attempt to commit a frauduent act. 

Under the FCRA the consumer is entitled to this information and afforded an opoortunity to dispute and have this information removed from my credit report. In addition, the consumer should be allowed to have said incorrect address immediately removed prior to any attempt of fradulent activities and should not have to place a fraud alert on their consumer report which is a major inconvience if the consumer in the process of obtaining additional lines of credit.
Product: Mortgage

I am attempting to get a loan modification processed through Bank of America. They have sent me a letter requesting additional documents to support my application. I have submitted all of the requested documents. 

It has now been XXXX weeks since I submitted the documents and my application has not been moved to the Review Process stage. I have called my XXXX several times ( about XXXX ) and I only reach voicemail. I have left a voicemail message with my number each time. I have also left electronic messages on the bank website for my XXXX and received no response.
Product: Debt collection

Westlake Financial Services in XXXX XXXX, California will call me 4 or 5 times a day 7 days a week
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information on credit report, wrong names, social security number is wrong, address, contact information is incorrect, employment is incorrect as well. 

please remove all the incorrect information as followed : Names : - XXXX XXXX XXXX PLEASE REMOVE INCORRECT SOCIAL SECURITY # : / XXXX PLEASE REMOVE INCORRECT PHONE NUMBERS : XXXX, XXXX XXXX, XXXX XXXX PLEASE REMOVE INCORRECT EMPLOYERS : XXXX, XXXX XXXX, XXXX XXXX  XXXX  PLEASE REMOVE INCORRECT ADDRESSES : - XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX - PLEASE REMOVE INCORRECT - XXXX XXXX XXXX, TX XXXX XXXX PLEASE REMOVE INCORRECT - XXXX XXXX XXXX XXXX TN XXXX - PLEASE REMOVE INCORRECT - XXXX XXXX XXXX XXXX TN XXXX - PLEASE REMOVE INCORRECT - XXXX XXXX XXXX XXXX TN XXXX - PLEASE REMOVE INCORRECT - XXXX XXXX XXXX XXXX TN XXXX XXXX PLEASE REMOVE INCORRECT - XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX - PLEASE REMOVE INCORRECT - XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX - PLEASE REMOVE INCORRECT - XXXX XXXX XXXX XXXX XXXX TN XXXX - PLEASE REMOVE INCORRECT - XXXX XXXX XXXX XXXX TN XXXX - PLEASE REMOVE INCORRECT - XXXX XXXX XXXX # XXXX XXXX TN XXXX - PLEASE REMOVE INCORRECT - XXXX XXXX XXXX XXXX, TN XXXX XXXX PLEASE REMOVE INCORRECT ACCOUNTS : 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 or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXXXXXX XXXX