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 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 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 XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance XXXX {$100.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXXXXXX Balance : {$2600.00} ; XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1400.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$700.00} XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$570.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$690.00} ; XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$730.00} ; XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX ) XXXX Balance : {$2500.00} ; XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$5600.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$270.00} ; XXXX XXXX  XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$620.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX ; XXXX, XXXX, 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

Unfair treatment Publicly revealing debts... It ruined by reputation, put me in dangerous situation and gave me emotional stress. I also spent a lot of money to move to another place because them publicly revealing my loan made me feel unsafe in my own house, that I lived in for almost 13 years!!!! 


I'm surprised Modern Adjustment Bureau still in business after so many negative reviews Look!!!! 
XXXX XXXX XXXX
Product: Checking or savings account

Money was taken from my Account due to a payment to a Credit card and then activated a new one in the same day subsequently the Credit card super-imposed itself into my Account which threw off all my transactions and caused my Account to lag for more then a day.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX, TX XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX {$410.00} ; XXXX  XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX Balance Owed : {$150.00} ; MEDICAL XXXX Balance Owed : {$380.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, am addressing multiple violations of the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws that have affected my credit report. These include willful noncompliance with FCRA Section 616, failure to disclose my right to opt out of sharing personal information ( FCRA Section 603 ), and furnishing inaccurate information without proper validation ( FCRA Section 623 ). Additionally, my rights under the Debt Collection Practices Act were violated through unfair practices, and my credit report was used for impermissible purposes without my consent. 

I discovered inaccuracies, including incorrect addresses and unauthorized accounts such as entries from XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. These violations have caused significant distress, prompting me to demand immediate correction of these errors and removal of all unverified debts. If this matter is not resolved promptly, I am prepared to pursue legal remedies under the applicable laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have 2 delinquencies on credit report per loan. Out of 6 loans. I now have 12 delinquencies as if there are multiple accounts. Now when my 6 loans expire I will have 6 more that will be on my credit report until 2024.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX ; XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$74000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX  XXXX Balance XXXX {$5200.00} ; XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$25000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$71000.00} ; XXXX XXXX XXXX  Balance : {$0.00} ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX FS XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I UPDATE MY CREDIT REPORT. THERE ARE SOME ACCOUNTS WHICH IS NEVER BELONG TO ME. THE INFORMATION IS NOT RELATED TO ANY TRANSACTIONS MADE BY ME. IT LOOKS LIKE SOMEONE HACKED MY PERSONAL INFORMATION. THESE ACCOUNTS ARE FROUD. IM SHOCKED HOW IT HAPPENED. I ALWAYS PAID ON TIME AND IM RESPONSIBLE FOR ALL MY PAYMENTS
Product: Credit reporting or other personal consumer reports

I have disputed unauthorized hard inquiries present on my credit reports provided by XXXX, XXXX, and Equifax, in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i ( 7 ), 15 U.S.C. 1681 ( e ), 15 U.S.C. 1681 ( b ) ( c ), and 18 U.S.C. 242. I request a thorough investigation into these unauthorized inquiries and their immediate removal from my credit reports. Ive sent letters and yet they still are on my credit report and all three Credit agencies are past their XXXX  day response to my complaint to my credit report. 
Upon reviewing my credit reports obtained from XXXX, XXXX, and Equifax, I have identified several hard inquiries that I did not authorize or recognize. These unauthorized inquiries have negatively impacted my credit score and financial standing. 
As per 15 U.S.C. 1681i ( 7 ), XXXX, XXXX, and Equifax are required to conduct a reasonable reinvestigation of disputed items upon receipt of this dispute letter. Additionally, the inclusion of unauthorized hard inquiries on my credit reports violates 15 U.S.C. 1681 ( e ), which mandates that consumer reporting agencies maintain accurate and up-to-date information on consumer credit reports. 
Furthermore, the unauthorized hard inquiries may also constitute violations of 15 U.S.C. 1681 ( b ) ( c ), which outlines the duties of consumer reporting agencies regarding the accuracy of consumer information, as well as 18 U.S.C. 242, which prohibits deprivation of rights under color of law. 
I am enclosing copies of my credit reports highlighting the unauthorized hard inquiries. I request that XXXX, XXXX, and Equifax provide me with written notification of the results of the investigation and any actions taken as a result. 
Furthermore, pursuant to 15 U.S. Code 1681g and 16 CFR 660.4, I request updated copies of my credit reports from all three agencies reflecting the removal of the unauthorized hard inquiries. Additionally, I request information regarding the source of these unauthorized inquiries, as provided under 15 U.S. Code 1681 q and 15 U.S. Code 1681b. 
The following Inquires Equifax -15 U.S. Code 1681b XXXX XXXX XXXX  USA INQUIRY DATE : XX/XX/XXXX XXXX XXXX- INQUIRY DATE : XX/XX/XXXX XXXX15 U.S. Code 1681b XXXX XXXX XXXX- INQUIRY DATE : XX/XX/XXXX XXXX XXXX XXXX : INQUIRY DATE XX/XX/XXXX XXXX XXXX XXXX- INQUIRY DATE : XX/XX/XXXX XXXX15 U.S. Code 1681b XXXX- INQUIRY DATE : XX/XX/XXXX XXXX INQUIRY DATE : XX/XX/XXXX XXXX INQUIRY DATE : XX/XX/XXXX XXXX INQUIRY DATE : XX/XX/XXXX Failure to address these unauthorized hard inquiries and adhere to the FCRA 's requirements may result in further legal action, including but not limited to pursuing remedies available under the law.
Product: Debt collection

XXXX XXXX  did not Give notice that I can dispute the debt, This junk debt buyer parked a collection account illegally on my consumer reports, I have never done business with XXXX XXXX I have No contract with XXXX XXXX. This company has violated setion 623 of the fair credit reporting act and Federal debt collection practice act ( FDCPA ) section 1692j XXXX has harm my abilty to obtain credit at a low interest rate. I ; m in the process of purchasing a home for my Family.
Product: Mortgage

Over the past several years, Wells Fargo Home mortgage has been difficult to deal with when it comes to my Mortgage Loan. 
I did address my situation with Wells Fargo Management. I made it clear that am the Single owner after my XXXX died. Since then Wells Fargo lowered the interest rate to 3.350 % per annum. 
In light of Covid-19, effective XX/XX/2020, Wells Fargo has raised the interest rate to 3.875 %. Subsequently, I contacted Wells Fargo by phone and e-mail. When I inquire about with new rate, the Customer Service agents only response is I am Sorry. This response is a false apology by Trained Agents. I followed my my complaint by e-mail and later Wells Fargo did block me from contacting them by e-mail. 
Before the rate increase, my monthly payment was {$1600.00} and effective XX/XX/2020, the new payment is {$1700.00}. I also had to pay a large amount to pre-pay to my Escrow Account to lower my new monthly payment. 
Since then, Wells Fargo has been suggested to me with two options.

1. Option 1. Forbearance. I will not accept this option. This tactic is done by Wells Fargo to put more Burden and pressure me to Accept this option. This method is good for Wells Fargo to eventually put me to Foreclosure Status. 
2. Option, 2.. Refinance : I will not accept this option at all. I am not going through refinance process. I do not have funds to pay for closing costs and I hat e to put myself to Hard Inquiry credit process. 
I will Accept the old 3.75 % and I request Wells Fargo Restore the old rate ASAP and refund me for the payment I made for the month of XX/XX/2020. 
I am XXXX years old and an XXXX American I is the Pattern of Wells Fargo not to help Minorities with Lower Interest rate. 
Wells Fargo wants to Drain me for longest period by Using Forbearance & Refinance Options. This Racial Tactic is designed to Minorities. It is to discourage us Minorities not to Won the American Dream. 
A copy of the Complaint is being Filed with the State of XXXX   Office of The Attorney General, Consumer Protection Division. 
3.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute the accuracy of certain information on my credit reports maintained by TransUnion and XXXX. The details of the accounts in question are as follows : TransUnion Report : Account # : XXXX Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX XXXX Report : Account # : XXXX Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX Upon reviewing my credit reports, I have identified significant discrepancies between the information reported by TransUnion and XXXX regarding the above account. Specifically : Date Opened : TransUnion reports the account as opened on XX/XX/XXXX, while XXXX reports it as opened on XX/XX/XXXX. 

Date Last Active : TransUnion reports the account as last active on XX/XX/XXXX, whereas XXXX reports it as last active on XX/XX/XXXX. 

These discrepancies violate the Fair Credit Reporting Act ( FCRA ) in the following ways : FCRA 611 - Accuracy of Information : Both TransUnion and XXXX are required under FCRA 611 to maintain reasonable procedures to ensure the maximum possible accuracy of consumer information. The inconsistent reporting of account opening dates and last active dates suggests a failure to comply with this requirement. 

FCRA 623 - Duty to Correct and Update Information : According to FCRA 623, consumer reporting agencies such as TransUnion and XXXX must promptly update and correct inaccurate information upon notification by the consumer. The discrepancies in reporting dates indicate a failure to promptly update my credit reports with accurate information. 

Enclosed are copies of relevant documents that support my claim, including [ list any supporting documents such as billing statements, correspondence with the creditor, etc. ]. 

I request that TransUnion and XXXX conduct a thorough investigation into these discrepancies as required by FCRA 611 and 623. Please provide me with the results of the investigation in writing and correct the inaccuracies on my credit reports accordingly. 

Additionally, I kindly request that you send me a free copy of my updated credit report once the corrections have been made. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Sincerely,
Product: Credit reporting or other personal consumer reports

Dear Transunion I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 


1. 15 U.S. CODE 1692e - False or misleading representations XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete from my credit report. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX  Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Delete from my credit report. 

6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

7. there is some inaccurate information reporting XXXX XXXX Account XXXX : XXXX Delete from my credit report. 

XXXX there is some inaccurate information reporting XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

9. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Delete this account.. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

15. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

16. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

17. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Debt collection

Every day for a month I receive a call from Midland Credit Management. I have answered them but they dont seem to have conscious thought about what they are doing, they dont listen. The problem is that I am not in collection by anyone. My credit rating today is XXXX. I have no idea why they keep annoying me with calls that wake me up in the morning and late evening calls. I cant get them to stop. I can not block their number because it keeps changing. There number today is XXXX
Product: Credit reporting or other personal consumer reports

" There is need to insure that the consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' This is listed in the Fair Credit Reporting Act 15 USC 1681 section 602. I have the right as a Consumer to make sure my privacy isn't being violated by being shared by such consumer reporting agencies such as XXXX, XXXX, and XXXX. 15 USC 6801 states that " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' None of the consumer reporting agencies, financial institutions, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, nor Synchrony Financial have my consent to furnish this information. They also never had my written consent. Whether it be verbal, non-verbal, written, or implied in any other fashion any and all consent is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX, XXXX  XXXX, Synchrony Financial never informed me of my right to exercise my nondisclosure option. It is also stated in 15 USC 1681C ( a ) ( b ) that " Except as authorized under subsection ( b ), 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 the records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item that they are reporting again without my permission, which is against the law. " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title '' states in 15 USC 1681e. XXXX, XXXX, nor XXXX are maintaining reasonable procedures. As a Consumer I have the right to opt out at any given time according to 12 CFR 1016.7, and have decided to opt out of their reporting services.
Product: Checking or savings account

On XX/XX/23 I deposited a check into my Bank of America account for {$36000.00}. The check was issued by my sister, who is the executor of my late father 's estate. He died two years ago this month, and this was the balance of my estate money. The issuing check account is in the name of the estate. 

The bank teller didn't ask me any questions about the deposit and said it would be available in 2-3 days. Later that afternoon, though, BofA placed an 11 day hold on the check. The notes indicate that the deposit is " likely to be returned. '' I spent hours speaking to customer services reps on the phone and the bank, and no one could explain why the extended hold was placed. 

My money is being unlawfully detained by BofA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove the fraudulent that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days.Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items that I want to remove : XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX : {$520.00} ; XXXX XXXX XXXX Balance XXXX {$600.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3700.00} ; XXXX XXXX XX/XX/XXXX ; EXPERIAN XXXX CRED XX/XX/XXXX XXXX EXPERIAN XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX. XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ;