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

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the XXXX and Barclays Bank Delaware and XXXX XXXX XXXX. The Account Opened is Barclays Bank Delaware Account Number : XXXX Date Opened : XX/XX/2015 Balance : {$0.00}. The Account Opened is XXXX  XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/2015 Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items 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 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  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$270.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$53.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$430.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  ) XXXX Balance : {$3000.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX {$84.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX  Date Filed/Reported : XX/XX/2018 Reference # : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX is reporting a reposession to my report ... .By law EVERYTING should be reported 100 % accurately or it has to be deleted from my report by law ... .I have contacted them as well as all 3 bureaus 6 times to validate/Verify this account and no one can ... XXXX therefore deleted this account from my report and my understanding is that by law XXXX and equifax should do the same as this cant be validated ... they have yet to do so and i demand they do it now ... .There are multiple errors in the reporting which i have pointed out to them in the past and they have done nothing .... 

Monthly Payment : XXXX reporting {$0.00}, Equifax {$390.00} No. of Months ( terms ) : XXXX  reporting 78, Equifax XXXX Payment Status : XXXX reporting Repossession, Equifax 60 days late Date of Last Payment : XXXX reporting XX/XX/2016, Equifax XX/XX/2016 Date Last Active : XXXX reporting XX/XX/2016, Equifax XX/XX/2016 Look at the 2 year history on the bottom they do not match between bureaus ... .XXXX is actually reporting a late pay after a reposession..smh
Product: Mortgage

I was in for a modification and was denied due to failing the appraisal. I submitted a complaint to Hamp escalations and was told that i could not be modified as I was already under 31 % of my debt to housing income. I want US bank to rewrite my existing loan so that i can maintain home ownership.
Product: Credit reporting or other personal consumer reports

The account you are reporting is identified as late payments even after repossession which is factually incorrect. Youre also reporting a deficiency balance even after receipt of GAP insurance for loss. Information is also incorrect across bureaus. I have the right to an accurate credit file and discrepancies like this are unacceptable. Please remove this account from my credit file immediately. 

XXXX  Toyota XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This item XXXX XXXX ACCT # XXXX is inaccurate and I am requesting that XXXX XXXX  have the item removed and deleted from my credit report. 
This item XXXX XXXX XXXX ACCT # XXXX is inaccurate and its credibility must be established and I am requesting that XXXX XXXX XXXX have the item removed and deleted from my credit report. 
This item XXXX ACCT # XXXX is inaccurate and its credibility must be established and I am requesting that XXXX have the item removed and deleted from my credit report. 
This item XXXXXXXX XXXX XXXX ACCT # XXXX is inaccurate and its credibility must be established and I am requesting that XXXXXXXX XXXX have the item removed and deleted from my credit report. 
This item XXXX XXXX ACCT # XXXX is inaccurate and its credibility must be established and I am requesting that XXXX XXXX XXXX have the item removed and deleted from my credit report. 
This item XXXX XXXX ACCT # XXXX is inaccurate and its credibility must be established since the account was sold to another company and I am requesting that XXXX XXXX have the item removed and deleted from my credit report. 
This item DEPT OF THE TREASURY ACCT # XXXX is inaccurate and its credibility must be established because I do not know what this cost is, I wrote a letter to the company to establish credibility but the address on the account is incorrect and I am requesting that the Department send me an interpretation or have the item removed and deleted from my credit report. 
This item XXXX XXXX XXXX # XXXX is inaccurate and its credibility must be established because I have fully paid and I am requesting that XXXX XXXX XXXXXXXX have the item removed and deleted from my credit report. 
This item XXXX XXXX ACCT # XXXX is inaccurate and its credibility must be established and I am requesting that XXXX have the item removed and deleted from my credit report since the account is still open and have no issues. 
This item XXXX XXXX ACCT # XXXX is inaccurate and its credibility must be established and I am requesting that XXXX XXXX have the item removed and deleted from my credit report since the account is still open and have no issues. 
This item XXXX XXXXXXXX ACCT # XXXX is inaccurate and its credibility must be established and I am requesting that XXXX have the item removed and deleted from my credit report. 
This item XXXX ACCT # XXXX is inaccurate and its credibility must be established and I am requesting that XXXX who is no longer handling this account have the item removed and deleted from my credit report. 
This item XXXX XXXX # XXXX is inaccurate and its credibility must be established because I have no information about this account and the collections company is very abusive and threatening and I am requesting that XXXX XXXX have the item removed and deleted from my credit report
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXXXXXX {$4300.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$4100.00} XX/XX/XXXX XXXX XXXX {$2000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  {$1900.00} XX/XX/XXXX XXXX XXXX  {$1400.00} XXXX XXXX XXXXXXXX {$1000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  {$980.00} XX/XX/XXXX XXXX XXXX {$840.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$800.00} XXXX XXXX XXXXXXXX {$660.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

You are in violation of federal law under the Fair Credit Reporting Act. Under the FCRA 15 USC 1681b- Permissible Purposes Of Consumer Reports ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency 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. I never gave XXXX any written instruction to furnish a consumer report. No consent is identity theft. A copy of the identity theft report as proof marked Exhibit A attached. Furthermore, you violated 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ). I was not treated fairly and these unfair credit reporting methods undermine my confidence as a consumer which is essential to the banking system and the banking system is dependent upon fair and accurate credit reporting. My reputation, character, credit standing, credit capacity, and credit worthiness I have not been able to obtain credit, insurance, employment or housing as well as suffered from mental anguish, stress, XXXX, and marital problems. You have prevented me from extending credit and stopped my livelihood by violating my rights to consent and privacy. Fairness, impartiality and a respect for my right to privacy was not extended to me. You furnished a consumer report without my written instructions and furnished information that was not fair nor equitable to me you furnished alleged debts owed without validation and had no regard for confidentiality by making vital information public. An attachment labeled Exhibit A as proof is attached. I demand all negative accounts be removed from my consumer report and file.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first 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 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
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and noticed accounts reporting issues that are incorrect and that I do not recognize.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, I am writing to express my frustration and disappointment with your lack of response to my attempts to contact you via certified mail. I have tried several times to reach out to you, but unfortunately, I have not received any response. 

As a valued customer, I believe that it is important to have open and timely communication with your clients, especially when it comes to important financial matters such as credit reporting. I have been trying to resolve an issue on my credit report, and I have been unable to do so without your assistance. 

I would greatly appreciate if you could please respond to my certified mail and assist me with resolving the issue on my credit report. I understand that you may receive a high volume of requests, but it is important to me that this matter is resolved as soon as possible. 

Thank you for your attention to this matter. I look forward to hearing back from you soon. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB I asked you to review lexisnexis documents that I received via US mail dated XX/XX/2021 from Lexisnexis, lexisnexis has acted willful and negligent and reckless and violations multiple FCRA laws regarding false credit reporting! Per the FCRA lexisnexis had 15 days to comply with the method of verification as you can see from their company letter head dated XX/XX/2021 you can see they gave a bogus explanation first of all more than 15 days past due is and will not be excepted because the law states in black in white when a consumer asked for the method of verification the credit bureaus have exactly 15 days of date received. And furthermore they did not include specific information that was requested on them. Lexisnexis needs to remove the public records from all credit reporting agencies. Please review CFPB previous documents dated XX/XX/2021 also review lexisnexis response dated XX/XX/2021. Pure violation. Also this is the first time that lexisnexis DIDNOT upload this copy via the CFPB I want to know what do they have to hide. There is clear evidence that they are violating the FCRA I suggest them to stop doing this because I have enough right now to take legal action and if its not removed I will do it plain and simple! Previous XXXX XXXX is showing inaccurate information how are you verifying inaccurate information? XXXX is a 3rd party data system that anyone can purchase to look up information. I have supplied you with proof that its reporting inaccurate. Which puts you in violation of the FCRA for false credit reporting.one more thing before I close Im not a XXXX person is this why you sent that letter dated XX/XX/XXXX. You through you could respond within 30 days but I got news for you the request under by FCRA 611 ( a ) ( 7 ). Is credit bureau must give you the method of verification information within 15 days of your request why on. Please do whats right and remove the public record. 30 days would have put you at or around XX/XX/XXXX to the XXXX is is why you sent this didnt you? 
Again FCRA 611 is 15 days! 

Thank you
Product: Mortgage

with a real financial hardship, we request that some relief be given to us in the form of a principal reduction as with great sacrifice we managed to pay principal bearing interest in its totality and a large sum of remainder deferred amount amount. 
With the real hardship faced in our situations Ocwen has had the advantage of acquiring most of the loan amount on this loan within a couple of years only with a great sacrifice and money sent was to be applied to principal not for any reduction whatsoever. 

we therefore request consideration be taken for requested reduction be provided. 
i understand there are provisions made for situation such as ours for a principal reduction specially when we have met more than the expected. 
Please note both my wife and I are now totally XXXX and are under continued treatment and under home care. 
Every month I send my entire social security Check to Ocwen to cover monthly payment thus depriving us from any means to provide for expenses including provision for food. 

I hope a reduction can be achieved in our dire situation. thank you. XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my tederaily protected consumer rignts to privacy and confidentiality under 15 USC 1681. 
Accounts XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Checking or savings account

I am a XXXXXXXX XXXX and they told me for a week my direct deposit would be in my account and it's not and they told me to be there tomorrow such and such time and I was told to be there on the XXXX and it's not now they're telling me it's the XXXX bam I need the money my truck got hit I'm walking no vehicle no food and they're telling me it'll be there on Monday the XXXX which I usually get paid on the XXXX and then I had some one tell me cuz I'm getting a temporary refund that it would be here on the XXXX and then I called on the XXXX about the XXXX and they're telling me Monday now I have been lied to by these people I'm tired of it I've been with them for five years and something needs to be done because I'm not the only veteran and XXXX Arkansas it has been lied to so I need to file a complaint and I'd like to have my money but they're not going to do it on the weekend if they don't have people that know what they're doing they need to farm fire them so I'm stuck with no food no vehicle because I've been lied to
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently discovered that I am a victim of identity theft. Today, I attempted to request a copy of my Equifax report from the XXXX website. One of the last steps in requesting the report was to answer a set of 4 ( four ) questions to verify my identity with multiple choice answers. The questions were : Question # 1 : Your credit file indicates you may have an installment account ( personal loans, electronic/appliance accounts, jeweler accounts, auto loans, etc. ) opened in or around XXXX XXXX Who is the credit provider for this account? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None of the Above I chose " None of the Above '' because I do not have any installment accounts. 

Question # 2 : What is the total monthly payment for the above-referenced account? 
{$50.00} - {$99.00} {$100.00} - {$140.00} {$150.00} - {$190.00} {$200.00} - {$240.00} None of the above I chose " None of the Above '' because I do not have any installment loans. 

Question # 3 : Your credit file indicates you may have a student loan opened in or around XXXX XXXX Who is the provider for this account? 

XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of the Above I chose " None of the Above '' because I do not have any student loans. 

Question # 4 : Your credit file indicates you may have a mortgage loan, opened in or around XXXX XXXX Who is the credit provider for this account? 

XXXX Bank XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX Bank XXXX of the Above I chose " None of the Above '' because I did not open a mortgage loan in or around XX/XX/2016. 

I then received the following message. I am typing it verbatim as is appeared to me : We have experienced an issue processing your request We-re sorry, we are unable to process your request at this time. Please contact our Costumer care Team at XXX-XXX-XXXX for additional help completing your request. The Costumer Care team is available between HOOP, DOOP. 

AGAIN The message I received is verbatim the way it was presented to me. I did not make any typo 's or mis-spell any words. The message spelled the word Customer as Costumer and the word We're and we-re and it actually said the Costumer Care team is available between HOOP DOOP. 

Please explain this to me. 

I may be reached by email at XXXX or by phone at XXXX. My name is XXXX XXXX. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

There are three accounts that do not belong to me on my credit report I have been disputing this with the bureaus for 2 years almost this is my last hope these accounts I have not approved or signed on. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account
Product: Debt collection

Company is reporting an account past due and a charge off and past the statue of limitations for my state of alabama which is 3 years. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.I disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Product: Credit reporting or other personal consumer reports

I am filing this complaint on my own behalf to address an issue concerning erroneous personal information and unauthorized inquiries on my credit record. This information does not belong to me. I need this fraudulent information removed immediately.
Product: Bank account or service

I went to use my debit card and learned that all of my accounts have been closed. I went to a branch and they confirmed this. Chase bank has given no reason or is willing to reverse the outcome for me. They are saying it will take 7 days for me to get my money back, which, that 's all of my money.
Product: Checking or savings account

Multiple times with the latest being XX/XX/XXXX chase has manipulated the order credits and debits come out of the account so they can collect late fees. I have receipts and screen shots showing a positive balance after a deposit and the next morning there are multiple bounced checks. First time i brought this up it was made right and I was told deposits have to be made before XXXX no mention of eastern time. This last time i made sure my deposit was before XXXX and now they are saying XXXX eastern. Their reps should no this stuff. On top of this they organize the transactions so they can maximize the amount of things over drafting. they had a class action lawsuit XXXX dealing with this exact same thing.