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

I am writing to formally dispute inaccurate information that is being reported on my credit report. 

Specifically, the following items are incorrect and are negatively impacting my XXXX XXXX : Account Name : XXXX  Account Number : XXXX Balance : {$0.00} Reason : This account is incorrectly reporting that I have XXXX late payment. On my XXXX report there are XXXX late payments being reported. 

Account Name : XXXX XXXX  Account Number : XXXX Balance : {$11000.00} Reason : I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 

Account Name : XXXX  Account Number : XXXX Balance : {$18000.00} Reason : This account is incorrectly reporting that I have XXXX late payments. On my XXXX report there are XXXX late payments being reported. 

Account Name : XXXX  XXXX Account Number : XXXX Balance : {$0.00} Reason : I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 

Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Balance : {$11000.00} Reason : I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Balance : {$0.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

TRANSUNION XXXXXXXX XXXX  on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX  XXXX on XX/XX/XXXX XXXX  XXXX on XX/XX/XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  on XX/XX/XXXX XXXX  XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  on XX/XX/XXXX XXXX XXXX XXXX  on XX/XX/XXXX These items are either inaccurately reported or have already been resolved, and I kindly request a thorough investigation and correction. I have previously contacted both the credit reporting agency and the data furnisher, but the issue persists. I have attached supporting documentation and screenshots of my credit report to highlight the inaccuracies and support my claim. Please investigate this matter promptly and update my credit report to reflect accurate information.
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 : XXXX 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. 

XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

This collection with XXXX XXXX XXXX does not belong to me.
Product: Debt collection

The hospital must have made an error. Services were given for my adult son whom I haven't had contact with for about 4 years. The hospital listed me as a responsible party and I wasn't there to sign for that. When contacting progressive management systems they re demanding that I disclose my private information on the form of the divorce decree. I should have to spend my time or give up my privacy because of their error. Furthermore she demanded I send it but gave me no where to send it to. Furthermore they're sending noticed to an address I haven't lived in for a long time. Again violating my privacy.
Product: Credit reporting or other personal consumer reports

I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 

It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a XXXX clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions. 

As I stated before, this is my final request for you to do as you are governed by the FCRA. If this final request does not prompt you to conduct a proper investigation of the accounts in question, I will be forced to file suit against your company in the county in which I live. That way, you can travel here in order to defend yourselves. 

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

My personal credit reports are being impacted due to the following accounts being improperly reported in my private reports without my consent. I have sent letters to the bureaus/reporting agency with no response. These accounts are negatively affecting my ability to be a free consumer and apply for credit on my personal behalf. 

Account : XXXX, Account # XXXX, Amount : {$XXXX} Account : XXXX, Account # XXXX, Amount : {$XXXX} Account : XXXX, Account # XXXX, Amount : {$XXXX} Account : XXXXT, Account # XXXX, Amount : {$XXXX} Account : XXXX  XXXX XXXX, Account XXXX XXXX, Amount : {$XXXX} Account : XXXX, Account # XXXX, Amount : {$XXXX} Account : XXXX Account # XXXX, Amount : {$XXXX} Account : XXXX XXXX, Account # XXXX, Amount : {$XXXX} Account : XXXX XXXX, Account # XXXX XXXX Amount ; {$XXXX} Account : XXXX, Account # XXXX, Amount : {$XXXX} Account : XXXX, Account # XXXX, Amount : {$XXXX} Account : XXXX, Account # XXXX, Amount : {$XXXX} Account : XXXX, Account # XXXX, Amount : {$XXXX} Account : XXXX, Account # XXXX, Amount : {$XXXX} Account : XXXX XXXX, Account # XXXX, Amount : {$XXXX} Account : XXXX XXXX, Account # XXXX, Amount : {$XXXX} Account : XXXX, Account # XXXX, Amount : {$XXXX}
Product: Checking or savings account

On Monday, XX/XX/year>, at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), I requested an ACH transfer of {$130000.00} and the closing of my account. At XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), I was informed that the transfer would be canceled because the bank could not identify the source of {$3000.00} of these funds. I was told that I would only be able to transfer {$120000.00}. I was then transferred to another department at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) to proceed with this adjusted transfer. 

At XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) the same day, I received a call from the bank stating that they had identified {$6000.00} of the funds but could not determine their origin because the funds had been in my account for less than 90 days. This is perplexing because these funds had been in another bank account for a longer period before being transferred to Marcus for savings. 

Later that night, at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ), the {$130000.00} was returned to my account. Following the bank 's instructions, I initiated a {$6000.00} transfer back to XXXX XXXXXXXX XXXX. However, today, XX/XX/year>, I received a notification that the transfer request was canceled because the account number on file was incorrect. During a three-way call with credit union , my identity and the correct routing number were confirmed. Marcus then informed me that they would need to stop this transaction, which had not yet been processed. I updated the bank with the correct account number. 

While I was waiting for this matter to be resolved today, XX/XX/year>, I received a call from the bank at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) regarding my initial request to close the account. They informed me that the available balance was now {$6000.00} less due to my XXXX transfer. I agreed to this and requested an expedited wire transfer of the remaining {$120000.00}. As of now, however, there has been no movement in either of my accounts, and I was informed that my account is frozen until XX/XX/year>. 

This situation is critical because I need these funds for a down payment deposit on my home. If the bank continues to hold onto my money, I risk losing not only the deposit but also the opportunity to purchase my home. These funds are collective and originated from other financial institutions, so I do not understand why there are verification issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted them about this issue but yet late payments are still on my account
Product: Credit reporting or other personal consumer reports

Someone took out a student loan using my old married name from 10 years and my social security number. I did not take out a student loan. I am the victim of identity theft and nobody will help me. I don't even know how this loan was approved since I changed my name 10 years ago. This is not my loan and it is going to ruin my credit. EDfinancial will not do anything to help and will not provide any documentation. I have also contacted the Federal Department of education who also has not done anything to help. I have attached a photo of my driver 's license showing that my last name is XXXX and not 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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXXXXXX # XXXX Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX has violated my rights. 

XXXX5 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: Credit reporting or other personal consumer reports

I have disputed SEVERAL time with Equifax concerning the same issue. I have a XXXX XXXXXXXX XXXX XXXX that went into default. They have reported the same account XXXX times on my report. Just for clarification, I have XXXX credit card with XXXX XXXX that went into default and is now being reported XXXX times. Same account number, may I add. I have disputed this several times advising them that they are duplicating the same account. I have always been advised that the information was verified and correct, which is completely inaccurate.
Product: Checking or savings account

On XX/XX/XXXX a person claiming to be a representative from chime ( chime is my online bank ) stated there was fraudulent activity on my account. He already had all of my info, my full name, my address, my email, my phone number and my pin number and my login details. He then proceeded to tell tell me that he was going to send me a temporary password and then i would have to provide him with the password to make sure it was correct which I did and as soon as I did the line disconnected and when I tried to call back it kept going to voicemail. On the following day I received an email stating XXXX $ was transferred out of my account WITHOUT my authorization. And I called Chime and I spoke to a representative and the rep. saw the person who talked to me the day before MADE notes on my account. And ever since I made appeals and kept getting denied saying it was my fault and there was no Error and I provided Chime with more than enough info than needed to the point that the Fraud 's department supervisor was also surprised that I've been getting denied 4 times in a row when it was fraudulent activity and also identify theft.
Product: Money transfer, virtual currency, or money service

A lady from XXXX claims to be selling XXXX XXXX tickets, scammed me {$110.00}! 
She blocked me on XXXX!
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and Social Security Number : XXXX, and Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists credit cards from : XXXX XXXX XXXX Opened on XX/XX/XXXX Unauthorize Inquiries : XXXX XX/XX/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 FICO 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 # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I accordance with the fair credit reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX. Has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit card or prepaid card

I had bankruptcy in XXXX. I applied for Fortiva credit card in XXXX, The card line is XXXX. I wanted to repair my credit, First they were charging mi late fees because my payment was not going through. They were telling me my XX/XX/XXXX account was not stored properly. They could've let me know right away but they did not. It took few months. I wrote to the CEO of the company on XXXX and the issue got resolved. Now my minimum payment went up around XXXX a month on XXXX credit limit. The credit card is charging 31 % a year plus {$12.00} monthly fee. XXXX X 12 months is another XXXX a year. In conclusion they charging 45 % a year. How we suppose to get out of debt and build our credit if we are facing fraudulent companies like this one. The manager helping me was XXXX # XXXX XXXX very rude and unprofessional. Every time I called I get a person that is hard to understand with no understanding and compassion. Please see the statement attached. I talked to 3 people on chat, one person on the phone and one manager XXXX. No one could explain why I was charged XXXX on this statement, And why my payment is being higher each month.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with 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. 
XXXX  XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Credit card or prepaid card

0n XX/XX/2021 I mailed a letter to Capital One regarding my account ending in XXXX seeking more information about the denial of my request for a credit line increase. 
Under the Equal Credit Opportunity Act, I have the right to know the specific reason why my credit line request was denied. Although I have been a Capital One credit card holder for decades with a credit score in the 800 's with a credit utilization less than 5 %, the only response I have received is that the recent use of this accounts existing credit line has been too low. Since this is not specific, it is requested Capital One provide the specific factors based on my credit profile that was used to deny my request for a credit line increase. A letter was received acknowledging my correspondence but did not offer the information requested. Instead I was asked to call and speak with a Customer Service Representative. I would like to have the reason regarding my denial in writing based on the Equal Credit Opportunity Act. 

The letter mailed is attached.
Product: Credit reporting or other personal consumer reports

I Received verification/ Letters / EMAIL that XXXXXXXX XXXX XXXX XXXX XXXX XXXX has been PAID/COLLECTION CANCELED TO BE REMOVED FROM ALL 3 MAJOR CREDIT REPORTING AGENCIES!!!!! 
ACCORDING TO CONSUMER PROTECTION FEDERAL SERVICES AND THE FCRA, AND THE FEDERAL TRADE COMMISSION!!!!

15 USC 1681 ( A ) ( B ) ( C ) ( E ) STATING INACCURATE INFORMATION AND THE RIGHT TO PRIVACY AND ETC!!!! 
I WANT TO SUE FOR MONETARY DAMAGES FOR ALL THESE YEARS STATING ALL THESE ERRORS ON MY 3 MAJOR CREDIT REPORTING AGENCIES ACCOUNTS!!!

ALL 3 MAJOR CREDIT REPORTING AGENCIES SHOULD REPORT EXACTLY, ACCURATE SAME INFORMATION!!

THIS HAS BEEN 2 TO 3 YEARS DISPUTING THESE 2 OR MORE ACCOUNTS!!

30 TO 90 DAYS IS THE LAW TO REMOVE THESE PROVEN TO EXTEND PAST 30 TO 90 DAYS AUTOMATICALLY SHOULD BE REMOVED FROM ALL 3 CREDIT REPORTING AGENCIES!!
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX was closed back in XX/XX/XXXX. It was included on my list of unsecured creditors included in my bankruptcyXX/XX/XXXX XXXX. XX/XX/XXXX was one of the accounts that received notification of my bankruptcy and therefore their account was officially closed in XX/XX/XXXX and reason listed as bankruptcy XX/XX/XXXX XXXX petition. NowXX/XX/XXXX has placed two false remarks on my equifax teport. After two years of being closed to do the bankruptcy, the credit card company reopened my XX/XX/XXXX account as of XX/XX/XXXX XXXX years after the fact that theyve been closed due to my bankruptcy. Now there was another remark code placed onto my Equifax report as of XX/XX/XXXX XXXX again from theXX/XX/XXXX account stating that they removed the newly openedXX/XX/XXXX account off of my bankruptcy closed the account list on equifax. These are erroneous and dishonest moves on the part of this credit card company and Im asking Equifax to immediately remove these two false new remarks from XX/XX/XXXX XX/XX/XXXX One remark says a new account was opened and the other remark says the XX/XX/XXXXaccount was removed from my bankruptcy list. Both shady and illegal actions. Equifax please remove these two new false remarks from my credit report.
Product: Debt collection

I was a victim of identity theft. The person responsible for the identity theft opened vehicle loans, checking accounts, credit cards, had his photo with my information on drivers license, leases, and many other things. This identity theft took place for multiple years until the person was finally arrested in 2013. 

I hired a credit repair company after this person was arrested and most of the fraudulent debts have been corrected. However, even though this person was found, arrested, and sent to prison for stealing my identity, Discover insists this debt is mine and I'm responsible for it. 

I recently found out there is a judgement against me in XXXX XXXX, TX. I sent all the police reports, arrest records, and the identity thief 's information to the Attorney ( XXXX XXXX XXXX ) however they say the judgement is valid and are attempting to freeze my bank accounts.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 of : Account Name : XXXX Account number : XXXX Account Name : XXXX  XXXX Account number : XXXX Account Name : XXXX Account number : XXXX Account Name : XXXX Account number : XXXX Account Name : XXXX  Account number : XXXX Account Name : XXXX XXXX Account number : XXXX Account Name : XXXX  XXXX Account number : XXXX Account Name : XXXX  XXXX Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report, XXXX XXXX XXXXXXXX information is conflicting between two different credit bureaus. The date opened, the high credit, the last reported and the date last active are all different between both XXXX and Experian. The information is not valid and needs to be deleted. This has been a hinderance to my lifestyle and has affect me tremendously. 

In accordance with 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 : XXXX XXXX  XXXX Acct XXXX XXXX XXXX  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 the records of convictions of crime which antedated 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.