23daVinci/CFPB_Complaints huggingface dataset:
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 questionspecific records in my document coming about because of the wrongdoing. The records I amquestioning connect with no exchanges acquiring any possession of goods, services or money that Ihave made or authorized. Assuming no one cares either way, block the noteworthy of any information inmy credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft BRCLYSBANKDE Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

This account XXXX XXXX XXXX was reporting inaccurately and violating my FCRA rights as I am entitled to accounts on my report being accurate and verifiable, The other two credit bureaus removed this account because they were unable to properly verify it. I'm confused why you are still reporting this account and you have access to the same information the other credit bureaus do? Please send proof that this account has been properly verified or DELETE this account XXXX  XXXX XXXX from my report immediately for failing to comply with FCRA. 

THANK YOU FOR YOU TIME
Product: Debt collection

The filed false information to the Credit bureau from XX/XX/year> XXXX also I spoke with exqufax on XX/XX/year> and reported identity theft and ask to remove the item us code 1681 c -2
Product: Debt collection

Diversified Adjustment Service IncXXXX Reported a collection effort on my credit report without ever ( ie never ) contacting me about a fraudulent debt that has been disputed multiple times. The company seems to practice unprofessional and incompetent business practices and not even verifying the validity of a debt, but moves to threatening and harming steps. Companies like Diversified Adjustment Service Inc should be shut down for unfair and improper business practices as they create massive work and damages for consumers. 
The so-called debt is from a fraudulent activity that the original debtor XXXX has not cleaned up.
Product: Checking or savings account

Someone gave me a check of {$1900.00} dollars that was bad. I immediately put money in to cover that bad check, Huntington National Bank then locked my account and when my social security was direct deposited into the bank, they closed the account. So, Huntington has all my money and my only main source of income. I told Huntington That i ran out of meds and was nearly evicted but they continue to hold my all my money. I believe they only have XXXX hours to hold my social security and tomorrow will be XXXX weeks. As my only source of income have been trying to find a way to live. 

I filed XXXX XXXX reports and have my Senators following up. I even wrote the board of directors, but no response. I will write another XXXX report tonight. Being on XXXX and social security is my only source of income beside my XXXX hour a week job.
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 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

I was told to pay my property taxes in full and then would be re-imbursed with the portion that would be sent from the mortgage company to the tax office. After doing so, my mortgage has been giving me run around saying that they will not send that money to me. They informed me of the same procedure last night and they honored that.
Product: Credit reporting

I was at the casino. I left my purse on the table and turned around and when I returned, my card was gone. I believe someone is pretending to be me and I am a victim of Identity Theft. Please investigate this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was breached in both the FASFA breach and now the XXXX breach. I have disputed three credit cards that are unknown on my account that were not mine, 2 cell phone carrier accounts that are not mine, and also disputed inaccurate late student loan payments that you can clearly see I was a student while the payments were marked late.
Product: Debt collection

XXXX XXXX sold me a phone I could not use under false pretenses in XXXX. The account later went to collections for {$1200.00}. The collection agency was XXXX XXXX  XXXX. Last year I contacted XXXX XXXX for a settlement. On XX/XX/XXXX I paid them {$600.00}. I have the bank statement to back it up. XXXX XXXX took the account back on XX/XX/XXXX and sent it to Jefferson Capital Systems. I attempted to resolve with Jefferson and no luck. I disputed through the credit bureau and no luck. My debt was paid thru a settlement offer and now my credit is being negatively impacted because of. I am currently waiting for XXXX to mail me the settlement paperwork payoff
Product: Vehicle loan or lease

I signed a 36 month lease with BMW with an option to buy at the end of the lease. From the beginning of 36 months there was one total on the entire vehicle, and there was a separate total counting down {$600.00} a month with each payment I made going towards the total amount of my 36 month lease.

If I chose to purchase the vehicle at the end of 36 months I was given one balance, that was written out in writing. In my contract. I do have documentation of this balance. 

As of XX/XX/2020 my complete payoff balance to purchase the vehicle outright was totaling around {$28000.00}. 

Two months later my car was deemed total because the insurance did not wish to cover the damages of a tree branch falling on the top of the vehicle. They wrote out a check for {$30000.00} and sent it to BMW.

Afterwords I received a notice that I had {$2000.00} added to my total payoff balance.

When I called BMW they said this was added because they wanted extra money for some of the features of the vehicle, after they found out the vehicle had been totaled And being paid by insurance rather than being paid off by myself. 

When I signed my contract I was told that the total of my vehicle was one thing and after they found out it was totaled and going through insurance, they changed the number and are requesting about {$3000.00} extra for the pay off. When in reality they are supposed to send me anything that was paid over from insurance, being about XXXX 

I asked them to show me in the fine print where they can change the payoff balance if it were totaled and I got hung up on.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has used my social security number and unknown numbers/addresses to open lines of credit and now the inquiries are reporting on my credit which i did not authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted all 3 credit bureaus regarding a 30 day late payment posted on my credit report for my car loan with XXXX for the month of XX/XX/2021. This account was never 30 days late. XXXX investigated and couldnt verify that the info was correct. They removed it. Experian and XXXX both keep stating the info is accurate, but neither will provide the proof of this accuracy or the person they contacted or documents showing it is in fact accurate. I have requested this 3 times. They have not removed it.
Product: Checking or savings account

XX/XX/2019 I was emailed saying someone sent me roughly {$590.00} through XXXX/chasepay. 

I wasn't aware that someone owed me money but whatever. 2 hours later I tried to log into my account to see if it was a mistake and that's when I noticed I couldn't log into my bank from mobile or from desktop. 

XX/XX/2019 roughly XXXX I called Chase bank to restore my access. They informed me that they froze my assets and my account because someone sent a fraudulent XXXX to my account. I advised them immediately that I don't know the person or the amount, yet they still kept my account frozen over a XXXX transfer. They said the need to investigate, but that department is closed till Monday. Since this happened on a Friday, they have kept my account frozen over the weekend and probably wont investigate till Monday and probably wont unfreeze my account till who knows when. I HAVE NO CASH AND NO MONEY TO BUY FOOD AND I AM STARVING. I never would have though that my account would be frozen otherwise I would have kept cash at home so I could buy food. Chase should not be allowed to randomly freeze peoples accounts when they DID NOTHING WRONG. Especially since in the terms for using XXXX, it says you can't chargeback a transfer, and yet, apparently you can. Clearly some scammer is messing with me. I have over {$7000.00} in my account and they froze it all over a {$590.00}. I get it, freeze or take the XXXX XXXX, but they should have ZERO rights to freeze my XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Request for Assistance with Charge Offs on my Credit Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Iowa XXXX Dear Consumer Financial Protection Bureau XXXX I am writing to bring to your attention and seek assistance regarding charge offs that appear on my credit report. I have recently reviewed my credit report and discovered that there are multiple charge offs listed, which are negatively impacting my credit score and financial well-being.

The charge offs in question have significantly affected my ability to secure favorable interest rates on loans, obtain new lines of credit, and even impact my employment opportunities. I believe that these charge offs may have been reported inaccurately or unfairly, and I am seeking your assistance in addressing this matter. 

I have taken steps to resolve these charge offs with the respective creditors, and I have made efforts to negotiate settlements or payment arrangements. However, despite my efforts, these charge offs continue to appear on my credit report, causing ongoing financial distress. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and work with the credit reporting agencies to ensure that any inaccuracies or unfair reporting regarding these charge offs are corrected promptly. I am willing to provide any additional information or documentation that may be required to support this investigation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( is still. An open account that Is closed I understand the importance of maintaining accurate credit reports and the impact it has on individuals ' financial well-being according to the Fair Credit Reporting Act ( FCRA ) and PURSUANT with 15 USC 1681N I am hopeful that with your intervention, we can resolve this matter and ensure that my credit report accurately reflects my financial history. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in this regard. 

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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I refinanced a mortgage. The new lender paid off the old mortgage on XX/XX/20. In XXXX, my TransUnion credit report showed the new mortgage with the new principal balance and the new monthly payment amount. But it also showed the old mortgage with the pre-payoff principal balance and the old monthly payment amount -- i.e. according to TransUnion, I have two mortgages and two monthly payments on the same property. I called both the old lender and TransUnion. The old lender confirmed the payoff, said the account was closed, and said this information had been reported to all credit bureaus ( both XXXX and XXXX show the old account closed with {$0.00} balance ). TransUnion said I needed to submit a dispute, which I did. On XX/XX/20, TransUnion reported that the result of the dispute was that the old lender had confirmed the information on my report, so it would not be changed. On XX/XX/20, I submitted a new dispute with TransUnion, which was scheduled for a result by XX/XX/20. On XX/XX/20, that dispute simply disappeared from the TransUnion website. On XX/XX/20, I submitted a third dispute with TransUnion. I suspect it too will disappear. In the meantime, the old lender continues to confirm that the account is closed with a {$0.00} balance. I uploaded documentation with my second and third TransUnion disputes. I am currently being denied credit because of the duplicate mortgages on my report.
Product: Checking or savings account

Having already submitted a complaint on this issue to CFPB ( Complaint # XXXX ), the company 's reply is a simple untruth. 

I had received a direct deposit on XX/XX/2020 for {$500.00} and thus am eligible for the said promotion.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the Equifax data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
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 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: Mortgage

The company is very deceptive ; they call and don't leave messages, I have authorized them and instructed them to leave messages and they do not. 

I have to call back and there wait times are ridiculous. 

They have poor internal communications where the departments don't talk to each other. I am being asked to continue making escrow payments and required by the lender to make escrow payments for property taxes but I have provided them with a letter from the taxing authority stating I am 100 % exempt from paying property taxes. 

This company makes it difficult to pay on time and to resolve issues timely. These tactics are predatory and aim to hinder ones ability to pay timely so that the company can foreclose on your property.
Product: Bank account or service

wells fargo took a deposit from me on XXXX/XXXX/16 to this date they still have not released my funds they have bounced XXXX checks, and charged me {$70.00} according to bank check was drawn on it cleared their account XXXX/XXXX/16 so wells fargo has had this money in their account for 10 days and have refused me access I have had an account with this bank for over 15 years no one from wells fargo is interested in helping me they need to be held accountable for this and I am sure many other banking transgressions
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention the unacceptable practices of several entities concerning multiple accounts on my credit report from Experian. In accordance with the Fair Credit Reporting Act, the accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Payday loan, title loan, or personal loan

I was contacted by Netcredit regarding a personal loan to help rebuild my credit. At the time I thought it was a good idea and I could handle the payments of the {$3200.00} loan. Shortly after I was laid off from my job and no longer able to make payments. I started working with a debt consolidation company and paid back about {$1500.00}. The debt consolidation company wasn't paying my bills on time so I discontinued using their service. 

Now when I look at my credit report it shows I owed over {$3000.00} and the interest is 132.99 %. I feel like this is predatory lending and they took advantage of me.
Product: Checking or savings account

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX SSN : XXXX | XXXX : XX/XX/XXXX .. Consumer ID : XXXX Chex Systems , Inc XXXX 
attn : Consumer Relations XXXX XXXX XXXX XXXX. MN XXXX To Whom It May Concern : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a ChexSystems report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 
I demand to see the Verifiable Proof ( an original consumer contract with my signature on it ) you have on file of the account listed below. Your failure to positively verify this account has hurt my ability to obtain banking services. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the account listed below. 
Additionally, this account has passed the 5-year statute of limitations ; and for that reason, it must be removed. 
Please verify the following account or remove it immediately. 
Bank Name : XXXX XXXX  Account # : XXXX Closed XX/XX/XXXX Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

To file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding EQUIFAX refusal to remove a charge off account based on the Fair Credit Reporting Act ( 15 USC 611 ), Subject : Complaint Against EQUIFAX for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against EQUIFAX for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX Account Number : XXXX Amount : XXXX I have previously disputed the accuracy of this charge off account with EQUIFAX and provided evidence that the information is inaccurate. However, EQUIFAX has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. EQUIFAX refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against EQUIFAX for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that EQUIFAX upholds its obligations under the law. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent account name XXXX XXXX, account number 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 states. A consumer reporting agency can not furnish a account without my written Instructions.