23daVinci/CFPB_Complaints huggingface dataset:
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 on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report. 

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

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NV XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX NV XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX {$3300.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NV XXXX 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 an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

XXXX XXXX wrote off my debt of {$3600.00} more than 8 years ago, this company Portfolio Recovery Associates bought the debt for pennies on the dollar, they have been calling me numerous times, sometimes before XXXX. They want to collect this debt. I am XXXX  with sXXXX XXXX XXXX XXXX I suffer with XXXX XXXX XXXX. This is not good for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, 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
Product: Credit card

I am holding a REDCard credit card XXXX Target ) issued by TD Bank. I had an automatically payment associated with my XXXX bank account. Since I moved XXXX on XXXX, I am gradually switching to use my XXXX bank account. I am plan everything carefully ahead of time. 

On XXXX XXXX, I added my XXXX bank account as the default account for automatic payment, but for some reason, their online system did not allow me to delete the old account. I think it should be fine, since it clearly showed that my new bank account is the default, which, should be used as the first priority of course. I am dealing with XXXX every day, I know the XXXXprogram should always use the default XXXX out of so many choices. 

However, shortly after XXXX 2015, I found out they actually still billed it to my old bank account ( XXXX bank XXXX, obviously they had been rejected since I had already stopped all payments from with that bank account and were going to close it soon. 

Apparently their computer system had some bugs and wo n't switch to the default account. But it is unfair to charge my XXXX $ return payment fee plus XXXX $ interest~! What make it even ridiculous is their inconsistent service. I called them on XXXX XXXX, XXXX a lady told me the return payment fee is cleared after she had a long talk with her supervisor and asked me to made the payment by phone. When I called the next day XXXX XXXX XXXX, 2015 ), none of the agents in TD bank said they could see the reversed fees and they are supposed to do reverse any such fees? I talked with XXXX of the supervisors, XXXX, who said they wo n't disclose their last name or their employ ID to people. She said she is going to find out who talked to me the previous day, but wo n't give me my money back although she said it is NOT my fault! 
Anyway, I ca n't believe TD bank or Target set up such a silly system to fool people. Even if their system did not work right, they still want to charge their customers. 

I want to ask my money back. Beside I want their apology for their stupid and irresponsible system and services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, this is in reference to a private XXXX loan that I cosigned for my son. I went to XXXX bank ( the company that services the loan is called firstmark services ). 

at the time I asked for the payments to be automatically taken from my citizens checking account ( this did not happen ). 
When I realized that i was not making payments I called XXXX and made the payments over the phone with a debit card ( i have XXXX separate loans ) this was in XXXX of 2022 I received a phone call from XXXX bank collections telling me that XXXX of the loans was still behind and going into default I immediately called XXXX and spoke to a representative who told me that the funds were misapplied ( an overpayment to XXXX loan an no payment to XXXX loan ). He told me he would adjust it and i was current. XXXX records these phone calls they are on record In XXXX I was informed that the loan was in default After countless phone calls and emails I spoke with a representative who helped me, she found the mistake made on firstmarks behalf and helped me return the loan into repayment status. In the meantime from XXXX there are derogatory and delinquent account notices with XXXX and XXXX that remain on my sons and my credit reports. I have politely been asking for these items to be removed because the misapplied payment was a mistake by firstmark.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : U.S. Bankruptcy Court Account Number : XXXX UNAUTHORIZED INQUIRIES : 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 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Please remove the following items : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX, XXXX XXXX Balance {$1600.00} XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry : XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX ALLIED COLLECTION SERVICE INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX RE : Account Number : XXXX NOTICE OF DISPUTE DEBT VALIDATION REQUEST ALLIED COLLECTION SERVICE INC , I am writing to dispute the validity of the alleged debt you are attempting to collect from me. I believe that this debt is not valid and that it is in violation of the Fair Debt Collection Practices Act ( FDCPA ).

Under the FDCPA, I have the right to request validation of the alleged debt you are attempting to collect from me. I hereby request that you provide me with the following information regarding this alleged debt : 1. The name and address of the original creditor.

2. The amount of the debt.

3. Proof that I am the person responsible for this debt.

4. A copy of any agreements or contracts related to this debt.

5. A detailed account of the charges and fees that make up this debt.

I am also requesting that you cease all collection activity until you have provided me with this information. Additionally, I am requesting that you remove any negative information that you have reported to credit reporting agencies. 

Please note that failure to provide the requested information or continuing to attempt to collect the debt without providing validation is in fact a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Thank you for your attention to this matter. 


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

My credit report includes fraudulent information afecting my credit and social security, using different names, different addresses. Accounts for collection that they are not mine. I have reported to Experian and XXXX detailed of all those fraudulent information. These two companies and XXXX XXXX and other included did not want to remove fraudulent movements. 

I need your help to ask Experian, XXXX and all companies that included in my credit report and reported to Experian and XXXX to remove al fraudulent records in my account. They are affecting my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I am a natural person and a living human being with rights protected under 15 USC 1681. I am filing a formal complaint regarding my credit report, as I believe that the consumer reporting agencies are violating my rights and the Fair Credit Reporting Act. Specifically, I demand the immediate deletion of the following accounts, which were furnished to the consumer reporting agencies without my permission : XXXX XXXX XXXXXXXX XXXX XXXX XXXX These accounts violate my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The consumer reporting agencies have violated my rights several times, which is prohibited under 15 USC 1681.

I want to draw your attention to the following sections of the Fair Credit Reporting Act that support my complaint : 15 U.S.C 1681 section 602 A : States that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : States that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section : States that no consumer reporting agency may make any consumer report containing 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 ) : States that 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. 

Furthermore, I did not authorize the following companies to pull or look at my credit, and I believe these inquiries to be fraudulent : XXXX XXXX TransUnion XXXX XXXX XXXX, XXXX VA, XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXXXXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Used XXXX XXXX TransUnion XXXX XXXXXXXX XXXX XXXXXXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion Mortgage XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX, XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX, XXXX VA, XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX, XXXX VA, XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX -Non-specific XXXX XXXX TransUnion XXXX XXXX XXXX, XXXX OR, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TransUnion Credit Bureaus XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX TransUnion XXXXXXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXXXXXX XXXX Credit Cards XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX
Product: Debt collection

I receive up to 3 or more calls a day some before XXXX on the debt owed some are threatening in the sense of if I dont pay them now bad things happen may happen I have asked them to reduce the number of call or stop calling to no avail I get somewhere between 12 and 20 calls a week disrupting life work and sleep
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was paid in full, and creditor agreed to deletion of account but creditor has not reported to reflect that.
Product: Mortgage

Applied for a refi on an existing NewRez mortgage on XX/XX/2020. Loan number XXXX. XXXX. No cash out. Rental property. NewRez has the existing mortgage. Paid for appraisal up front. Appraisal done in XX/XX/2020. All documents provided to NewRez as requested in timely manner. " Conditional approval '' many months ago. Credit scores near 800. All additional documents provided in timely manner. Appraisal at XXXX, so 38 % LTV. Appraisal expired as no action by NewRez. They had to request recertification of value. That is in. Have had to make several complaints with their customer service to get any response. Last request New Rez made for was verification from primary lender on primary home that payments current. They have 6 months of my bank statements showing this. They keep requesting more bank statements as the original 3-4 months they requested apparently got too old. No end in sight, no close date, little to no communication. Interest rates are now up and I can't go elsewhere and get the same rate after they have wasted all this time and tied up my credit for 6 MONTHS awaiting a close on this tiny mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed unauthorized inquiries on my credit report. Someone else must have applied in my name and according to the Fair Credit Reporting Act these unverified & unauthorized inquiries must be removed immediately. 

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

This is my follow-up 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 items 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 alleged fraud or extortion. 
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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed some fraudulent accounts on my credit report. I have submitted a complaint with the Federal Trade Commission. I have also attached my documents and report. Please remove these accounts from my report. Thank You!
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING ACCOUNTS LISTED BELOW ARE INACCURATE AND MUST BE DELETED FROM MY CREDIT REPORT. 

XXXX XXXXXXXX The monthly payment on this account is inaccurate. Experian is reporting - as the monthly payment and XXXX is reporting - and XXXX is reporting {$0.00}. The last date of activity is also inaccurate. Experian is reporting XX/XX/XXXX as the last date of activity and XXXX is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. The No. of Months ( terms ) on this account is also inaccurate. Experian is reporting 60 Months and XXXX is reporting Monthly ( due every month ) and XXXX is reporting Monthly PLEASE DELETE AND REMOVE IT FROM MY REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple fraud inquiries TransUnion refused to remove after investigation
Product: Checking or savings account

On XX/XX/22, I started receiving emails from Bank of America. They stated that an account had been applied for, and then was approved. The last email said the email address was changed. I did not authorize the creation of the account and know nothing of it. Attempting to contact BoA was extremely painful because their Fraud Department requires an account number in order to assist. However, I did not have the account number so I couldn't proceed past the automated menu. I have no access to the account so I don't know what they're doing with it, and I don't know what personal information was compromised that I need to protect.
Product: Credit reporting or other personal consumer reports

I have requested documents from this company over and over to validate this account is accurate because I know that's a process that has to be done when you're dispiriting accounts and I know they have 30 days to prove this account and I have not received anything to prove that this account is accurate I also sent out letter certified to the credit bureau requested the same thing and I have not received anything back besides a notification showing that this account is accurate and has been updated and I believe that this is unfair because these times do not belong to me and I have not received anything that I have requested
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Equifax regarding their refusal to grant me online access to my credit report. Despite my repeated efforts to resolve the issue directly with Equifax, I have been unable to obtain a satisfactory resolution.

Details of the Complaint Issue Description : Equifax has permanently denied me online access to my credit report due to a dispute over payment of a monthly subscription fee. While I understand that non-payment of a premium service may affect access to specific features, Equifaxs refusal to allow me online access to my legally entitled credit report is unreasonable and contrary to the rights afforded to consumers under the Fair Credit Reporting Act ( FCRA ). 

Customer Service Interaction : On XXXX XX/XX/year> at XXXX XXXX  I called Equifaxs MyEquifax customer service helpline ( XXXX XXXX XXXX ) regarding the error message : Your identity could not be verified. During the call, I provided all requested personal information. The representative informed me that while Equifax could send my credit report via postal service, online access would no longer be possible for me due to my previous denial of a monthly subscription payment. 

I repeatedly inquired if there was any way to regain online access to my account, but I was told that this restriction is permanent and applies for a lifetime. 

Impact : This denial has caused significant inconvenience and has hindered my ability to monitor my credit report promptly for accuracy or potential fraud. Furthermore, I am concerned that this restriction may negatively affect my ability to maintain my financial health.

Requested Resolution I am seeking your assistance in : Ensuring that Equifax restores my online access to my credit report, as required under the FCRA. 
Clarifying whether Equifaxs actions are compliant with consumer protection laws.

Preventing Equifax from enforcing overly restrictive measures on consumers in similar situations.

Personal Information Full Name XXXX XXXX XXXX XXXX XXXX Number : XXXX XXXX XXXX Contact Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Thank you for your time and attention to this matter. Please let me know if you require any additional information. I look forward to your response and assistance in resolving this issue. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX continuously lied on the credit bureau stating that This account was owed what they did was instead of putting the name of the debt which is already paid they put XXXX XXXX   which was bought out by capital One but instead they stated that it was a debt with XXXX XXXX XXXX that was owed which Was re-aged because this was an account from XXXX now they listed it stating that I owe a debt which I do not. They also reported to the credit bureaus that was a factoring account Which again is incorrect they also stated that a payment was made in XXXX which again was incorrect there was no payment that was made in XXXX for them to state that is against the law and against my rights. This was clearly an account that was really aged for the sol benefit of XXXX XXXX XXXX XXXX XXXXCapital One. This debt was Re-aged and XXXX XXXX XXXX did not put the correct information on the credit reports, the wrong Date Opened and the wrong Balance and wrong Status. Inaccurate information like the Date this account was opened, they also stated that a payment was made in XXXX which was incorrect. When ask them to send in the documents showing a payment was made XXXX XXXX could not. The Account was open XXXX and the Last Activity was in XX/XX/XXXX. This account was bought out by Capital One/ Then was Re-Aged by XXXX  XXXX XXXX which is illegal and in clear Violation for the FCRA and FTC
Product: Money transfer, virtual currency, or money service

I put money into coinbase Wallet account, and it was taken out by another wallet.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN, XXXX AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX  : XXXX -- -> : {$500.00} XXXX XXXX : XXXX -- -> : {$4200.00} XXXX XXXX  : XXXX -- XXXX : {$680.00}
Product: Credit reporting or other personal consumer reports

Im submitting 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 COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report. 

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

XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX BAL.OWNED : {$2000.00}, XXXX XXXX XXXX BAL. OWNED : {$5600.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX