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

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX  # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - DATE OPENED XXXX XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, Social Security Number ending in XXXX ), Date of Birth : XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists an auto loan account opened at XXXX XXXX XXXX onXXXX under the account number XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that accounts, collections, and hard inquiries are the result of identity theft and fraud of the aforementioned consumer credit
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX : XX/XX/XXXX Consumer SSN : XXXX. As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four ( 4 ) business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted by TransUnion. Please delete the following accounts and ANY and ALL inquires associated with the accounts. XXXX XXXX  with a balance of {$3400.00}, XXXX XXXX XXXX with a balance of {$210.00}, XXXX XXXX XXXX XXXX with a balance of {$40000.00}, XXXX XXXX XXXX with a balance of {$110.00}, XXXX XXXX with a balance of {$1200.00}, XXXX XXXX with a balance of {$2000.00}, XXXX XXXX with a balance of {$3700.00}, XXXX XXXX with a balance of {$3100.00}, XXXX XXXX with a balance of {$7000.00}, XXXX XXXX with a balance of {$3400.00}, XXXX XXXX with a balance of {$1900.00}, XXXX XXXX with a balance of {$3800.00}, XXXX XXXX with a balance of {$3800.00}, XXXX XXXX XXXX with a balance of {$7100.00}. The Hard Inquiries that are on my credit report that should also be removed, blocked, and deleted are a Hard inquiry from XXXX XXXX XXXX XXXX requested on XX/XX/XXXX, Hard inquiry from XXXX XXXX requested on XX/XX/XXXX, Hard inquiry from XXXX XXXX XXXX requested on XX/XX/XXXX, Hard inquiry from XXXX XXXX XXXX requested on XX/XX/XXXX, Hard inquiry from XXXX XXXX XXXX requested on XX/XX/XXXX, Hard inquiry from XXXX requested on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Hard inquiry from XXXX XXXX requested on XX/XX/XXXX, Hard inquiry from XXXX XXXX  via XXXX Mortgage requested on XX/XX/XXXX, Hard inquiry from XXXX XXXX XXXX  requested on XX/XX/XXXX, Hard inquiry from XXXX XXXX requested on XX/XX/XXXX, Hard inquiry from XXXX XXXX XXXX requested on XX/XX/XXXX, Hard inquiry from XXXX XXXX requested on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still inquiries that need to be deleted. The 3 Credit Bureaus must verify these inquiries in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed inquiries will be removed as soon as possible. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed to are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022. 142 ( b ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and Equifax are knowingly and deliberately allowing XXXX XXXX XXXX  to report false information. This is illegal yet they continue to allow it. XXXX XXXX has told numerous different accounts of the same debt and they are unreliable. First they told XXXX  that in XXXX of XXXX my balance was {$350.00} ( See XXXX  XXXX ). Then they told XXXX  as of XX/XX/XXXX I had missed no Payments. ( See XXXX  1 ). Then they told Equifax as of XXXX the XXXX my balance was {$440.00} and I only made one payment and the original balance was {$480.00}. If the original balance was XXXX and I made no payments as they told Equifax then how was my balance {$350.00} in XX/XX/XXXX as they told XXXX? Then they told Equifax that as of XXXX I had made no payments. ( See payment sheet and account details Equifax XXXX ) Then they told Equifax that as of XX/XX/XXXX my balance was {$440.00} and I still had made no payments. ( see Equifax XXXX ) Then they told XXXX  that in XX/XX/XXXX my balance was {$350.00} and I had made a recent {$90.00} payment. ( see XXXX  1 ) Then they told XXXX  that as of XX/XX/XXXX my balance was {$440.00} ( see XXXX  2 ) yet they told XXXX  as of XX/XX/XXXX my balance was {$350.00} and I had made a recent payment. Then they told XXXX  as of XX/XX/XXXX my balance was {$350.00} but I had made no payments at all on the debt. If the original balance was {$480.00}. and I made no payments how the balance come down to {$350.00}? ( See XXXX  Current ) Then they told XXXX  that as of XX/XX/XXXX My balance was {$350.00} and I had made no payments at all ( See XXXX  4 ), They have told so many different versions nothing they say should be deemed as credible. XXXX, Equifax and XXXX  knows this information. I supplied XXXX, Equifax and XXXX  with copies of all the attached documents a few weeks ago. They told Equifax as of XX/XX/XXXX my balance was {$440.00} yet they told XXXX  that on as of XX/XX/XXXX my balance was XXXX. Which was it {$350.00} or {$440.00}. It could not have been both. Then they told Equifax that I made no payments at all. This was after saying I made on {$40.00} Payment. ( See Attg2 Equifax ). Which version of this debt is correct. It s obvious XXXX XXXX is unreliable and should nit be allowed to have their trade line on my credit report/
Product: Student loan

on XX/XX/XXXX and XXXX XXXX 2021 i payed XXXX $ and XXXX $ to us department of education for old student loan debt that was currently discharged.
Product: Vehicle loan or lease

I went to the Santander web site to make my XX/XX/XXXX payment, as I always do, when the previous month 's Social Security Benefit payment goes into my checking account on the third Wednesday, which in this case is XX/XX/XXXX. 

Using Santander 's XXXX XXXX Speed Pay tool, I made my normal monthly payment, of {$220.00} plus the XXXX XXXX money transfer fee of {$2.00} for a total payment of {$220.00}. 

The payment showed as pending just after I submitted it, which is normal. ( see attached document ). But by Wednesday evening, it had not cleared, and it usually does within about 3 hours. 

I just checked the account online and there is no payment showing as " pending '' and it still shows my XX/XX/XXXX payment as being due. ( See attached document ). There is no record of the pending XXXX XXXX payment. It has disappeared -- and it has never done that. 

Santander is known for this kind of activity and they put the burden on the consumer to keep the account current. You can imagine my distress knowing I just paid them the only money I have to make that car payment -- and they have no record of it. 

But I do! I always save screen shots of receipts when I make payments to them. They are as crooked as Light is Day. 

I have all the files showing the balance due, the payment history showing the payment as pending, the XXXX XXXX payment receipts and the screen shot of my checking account showing Santander deducted the money from my account using my debit card. ( See attached documents ).
Product: Debt collection

I am a XXXX resident and my wages were garnished and continue to be garnished by XXXX XXXX XXXX. Sometime around XXXX XXXX XXXX purchased a credit card debt XXXX XXXX  XXXX allegedly owed to XXXX under my XXXX  name XXXX XXXX. In XXXX XXXX XXXX filed a lawsuit against me in the XXXX XXXX XXXX XXXX XXXX in XXXX XXXX Case No. XXXX ) alleging that I owed them XXXX  and obtained a default judgment. They mailed the notice of lawsuit and any other papers associated with that lawsuit to a XXXX XXXX XXXX XXXX, XXXX using my XXXX name on all of the paperwork. I am not nor have I ever been a resident of XXXX, XXXX. I was never served any papers by the XXXX and I never signed for any papers at the XXXX XXXX in XXXX, XXXX 
I was critically injured in an XXXX XXXX on XXXX XXXX, XXXX and lived with my XXXX in XXXX, XXXX up until XXXX of XXXX I was XXXX on charges stemming from that XXXX. I was incarcerated in XXXX from XXXX until my release on XXXX XXXX, XXXX. I obtained a job with XXXX in XXXX of XXXX and first heard of this lawsuit when my wages were XXXX by XXXX XXXX in XXXX of XXXX. 
I never received notice of the lawsuit back in XXXX and I never received any notice or letter from XXXX XXXX or their XXXX XXXX and XXXX attempting to resolve this matter before garnishing my wages. The information that I have I got on my own from my employer. XXXX XXXX has failed to send anything to me ever. 
XXXX XXXX is taking at least XXXX XXXX of every paycheck and there is nothing that I can do to stop it. In addition to the alleged debt of XXXX they have tacked on another XXXX in XXXX costs and " XXXX XXXX interest ''. How can I defend myself for a debt that was incurred more than XXXX  XXXX ago when I have been XXXX for the past XXXX XXXXears? How can I stop this wage garnishment? This puts a tremendous hardship on me. I am a single XXXX with a XXXX year old child to support. Please look into this matter for me.
Product: Credit reporting or other personal consumer reports

I pulled my credit report and noticed that a debt collection agency, XXXX XXXX XXXX, is showing on my credit report. I sent them a debt validation letter on XX/XX/year>. I did NOT send this first XXXX certified or with any tracking so I sent another one on XX/XX/year> certified mail so I could confirm they received it. I sent this to the address reported on my credit report and there was either an error with the tracking tool or they never would pick it up. The mailing system apparently sent this to their XXXX XXXX XXXX I called XXXX and they stated that the letter was received, but their tracking system had an error and was reporting wrong. I then decided after several days of no update on this system and no letter from XXXX and no deletion from Equifax that I would send XXXX final letter to XXXX and Equifax demanding they remove this. I sent the letter to XXXX XXXX XXXX with a tracking number on XX/XX/XXXX, which does confirm that it was picked up and they received it. Equifax also received the letter I sent them demanding that they delete this since they did not really investigate this. I also sent copies of the letters and tracking information to Equifax to show that I sent debt validation letters with no response. Equifax did a two-three day investigation each time I did a dispute and keep coming back this account is mine. XXXX and XXXX deleted this account because the collection agency could not prove it was mine. At this point, I am highly upset. I had an ex niece living with me at XXXX point. We both used my address and her name was exactly the same as mine, XXXX XXXX, at the time. Her new address is showing on my credit report. Several of our accounts have been mixed up. We both went to same XXXXXXXX XXXX XXXX XXXX XXXX XXXX  and they are always mixing up our accounts. I have divorced her uncle years ago and this is still happening. I have told them to remove these addresses etc and Equifax is just not complying. XXXX reported as of XX/XX/year> to Equifax that this account was mine and they " updated '' it. I have received nothing from them and Equifax literally took XXXX day on XXXX of my requests. I am so upset at this point and was advised to reach out to you.
Product: Debt collection

Out of work due to an injury that occurred at work. The doctor did n't release me to return to work yet and I am still following doctor '' s treatments and therapy.
Product: Credit reporting, credit repair services, or other personal consumer reports

MERCEDES-BENZ FINANCIAL SERVICES Account XXXX ******* XXXX has been paid and closed on my report, this is still showing that it is 30, 60 and 90 days late with a balance. How can this be? They should be reporting the account paid. This account should not be showing a late date since they have already been paid for. It seems impossible to accrue late on an account that has already been paid. This inaccurate information is preventing me from getting the credit I deserve and it needs to be fix immediately! 

MB FIN SVCS ******* XXXX
Product: Debt collection

I spot with the very rude company about a letter I have got in the mail about an American Express debt amount at the time with American Express the amount was {$2000.00} that is the amount I owe each time I would call American express would not want to take payment. And stated to call this law firm out of XXXX  where I live in the state of XXXX, This company has harassed me reach out to sue me to garnish my wages when I would call I tried to resolve the issue with an pay the amount they gave me attitude stated oh you can try this is what it is very rude as if they did not want to fix the situation but keep it going. I want them to be removed, and I would like to fix the situation with American Express this is fraud and threats by a collection agency. The account will be involved in litigation. I do not owe the amount that is shown of {$3800.00}, and they told me they will increase the amount which is illigal I tried to fix this account with this fraudlant company now i do wish for them to leave me alone. I have sent a cease-and-desist letter also, The Fair Debt Collection Practices Act ( FDCPA ) sets rules on how and when debt collectors can contact you they have broke these rules, my rights are being broken under the FDCPA and inaccuracies
Product: Checking or savings account

This complaint is based of me not being able to get direct deposits problems with XXXX transactions and my interest not being disbursed or calculated correctly this is issu I have is with Capital one Bank not only with the bank but with the credit cards I possess with hidden disclosures and fees that were charged to me even When I Made payments on the same day they would charge me late payment fees offsetting payment for te following day right now I still haven't received my direct deposit to my checking account I should have gotten it on Wednesday XX/XX/year>XXXX  I still can't receive any deposits
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

Im writing to dispute the validity of the reference item pursuant to the fair reporting act. This item has been removed from Experian and XXXX due to the fact no such debt exists. Experian failed to respond and failed to comply with the FTC of noncompliance. To remove the account and be deleted
Product: Prepaid card

I bought a visa gift card from XXXX for XXXX dollars. I recently tried to use the card, but saw that the balance on the card was XXXX. I called the gift card company and they stated that multiple charges were made to stores like XXXX. I tried to dispute the charges, but the gift card company stated that as its been more than 60 days nothing can be done on their end. The transactions were never reported on the website where I can check and see transactions. I reached out to XXXX and they stated they can not do anything unless I give records of the card 's use. I called back the gift card company and all they could tell me ( as they said its for security purposes ) is that on XX/XX/year> two charges were made to XXXX for XXXX and XXXX dollars. I tried to relay this to XXXX but the representative stated they would not make a formal form and I need to call the local police department. I called and they said it may not be enough in order to file a report. The gift card company is blackhawk network. Also a XXXX dollar charge was made on XX/XX/year> to XXXX
Product: Credit reporting or other personal consumer reports

Dear Equifax XXXX Department, I am writing to formally dispute the following accounts that have been fraudulently reported on my credit file. These accounts do not belong to me, and I am requesting their removal under the Fair Credit Reporting Act ( FCRA ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts were reported in error and should be removed immediately. Please investigate and provide me with a written confirmation once the inaccuracies have been corrected. 

Thank you for your time and attention to this matter. Please contact me if additional information is required.
Product: Credit reporting

I would like to validate all of the debt showing for XXXX, as i do not believe this debt is mine. I have not recieved services for the places listed on the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called Transunion to remove Fraud accounts. Was given a extreme hard time over the phone. Transunion has been informed since XX/XX/XXXX with a police report and FTC Affidavit of the identity theft. They promised to lock my report since then to prevent any more Fraudulent accounts. 

Now I have more fraudulent accounts, names, and address on my report! I called them to get this removed just like I did with XXXX. I was told this would take 30 days! this is absurd! I have given all the apocopate documents showing the theft of my identity in detail. 

Reference # XXXX
Product: Vehicle loan or lease

My account has been paid in full on the XXXX  of XXXX.However, the payment was received on the XXXX of XXXX and they claim to never received it.Every XXXX  of the month the creditor updates my credit report.But for some reason they are refusing to update my credit report accurately since Ive paid this car loan in full.Am due to sign off on a purchase house and due to the creditor and reporting credit agencies willfully targeting me because I am XXXX I wouldnt be able to do so.This is right out discrimination.I need that account to be reported as paid in full.
Product: Mortgage

I went to mortgage company confused about escrow account. Looked online no escrow analysis, I attached documents and asked them to tell me why there was a difference in what we had on HUD to collect for impounds and what was deposited? Also at the end of 2018 there was {$3200.00} in escrow then in XXXX escrow only has {$430.00}. Total PMI paid {$870.00} for 2018 and {$610.00} for taxes totaling XXXX. where is the remaining escrow balance? No body told me i had an excess escrow balance ( XXXX ) mortgage company informed they paid my supplemental taxes county told me fund s were short and they returned check to mortgage company. they also sent me a check which I returned because i wanted the accounting of my escrow account correct.