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

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2012 XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX  XXXX XXXX Balance : {$350.00} XXXX XXXX  XXXX Balance : {$410.00}
Product: Mortgage

I have been charged for fees since XXXX of XXXX $ for not having any declaration of home insurance when I have always had home insurance. I also have been sending letters and asking to cancel my escrow account but nothing has been done.
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within XXXX 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 from company Transunion. Please delete the following accounts. 


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

MY ACCOUNT BALANCE WITH XXXX XXXX XXXX  IS INCORRECT. MY BALANCE IS XXXX ( XXXX ). XXXX XXXX BANK NEEDS TO UPDATE MY INFORMATION CORRECTLY. THE BALANCE IS XXXX ( XXXX ) FOR THE ACCOUNT ENDING IN XXXX AND ACCOINT ENDING IN XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was purchasing airline tickets on XXXX 's website. As I was getting ready to check out there was an offer for the United Explorer card that said if I applied and got immediately approved that I could get a {$250.00} credit after the purchase and additional miles after spending {$3000.00}. I used that link to apply for the card and was immediately approved and then used the card to make my purchase. Several days later I called to find out when the {$250.00} credit would be applied to the account and keep getting told they have no record of the credit offered. I have spoken with XXXX and Chase on multiple occasions trying to get this issue resolved. 
I applied for the card using the offer link provided on the XXXX page that was provided online ( a {$250.00} credit to my account with my first purchase and the airlines miles after spending {$3000.00} in the first 3 months. ). I don't know why people keep saying they have no idea what I'm talking about regarding the {$250.00} account credit. This seems like a case of false advertising at this point. I wouldn't have even applied for the card if that offer hadn't been advertised on my purchase. 
On XX/XX/XXXX at XXXX pm, I called again asking for information. The representative told me that the {$250.00} credit would be refunded to my account when the cycle closed on XX/XX/XXXX. I called three times this morning ( XX/XX/2022 ), and the representative told me that there is no refund of this offer in my account. They say that they will transfer me to a higher representative but the call cuts. So, there is no answer. I have recorded some calls for my safety. 
If you check the page of XXXX XXXX, there is an advertisement that offers a {$250.00} credit statement and XXXX bonus miles. It was the same advertisement but XXXX bonus miles instead of XXXX. 
I am attaching a screenshot of the offer shown on the website.
Product: Mortgage

XXXX HAS XXXX MORTGAGES ON HIS HOUSE, THE XXXX ONE IS WITH KEY BANK, IT TOOK US XXXX YRS TO GET A SHORT SALE APPROVAL WITH XXXX ( XXXX XXXX XXXX XXXX 
WE FINNALLY GOT A PRE APPROVAL ON XX/XX/XXXX. WE CALLED KEY BANK AND INFORMED THEM, THEY IMIDALTY SENT OUT A SHORT SALE PACKAGE, AND WE SUBMITTED IT ON THE XXXX, WE WERE MISSING SOCIAL SECURITY AWARD LETTER, OFFICAL APPROVAL LETTER AND HUD STATEMENT. 
THE HUD AND TITLE WERE SUBMITTED ON XX/XX/XXXX. ON XX/XX/XXXX WE WERE TOLD THEY NEEDED BANK STATEMENTS, I WAS INFMORED BY THE SELLER HE HAD NONE. NORMLLY ON A SHORT SALE A BANK WILL NOT REQUIRE ANYTHING IF THEY DONT USE A BANK. THEN THEY WANTED THE CASHED CHECKS FROM SSI, WHEN EVERY LENDER USES THE AWARD LETTER. I TOLD THEM OTHER LENDERS DONT REQUIRE THIS, AND WE HAD A FC DATE, THAT WAS INCLUDED IN THE ORGINAL PACKAGE WITH A DATED XX/XX/XXXX. I ASKED FOR A ESCEPTION ON THE CASHED CHECKS, THIS WILL TAKE SEVERAL WEEKS, WE DONT HAVE, THE AWARD LETTER SHOUDL BE SUFFICANT. THEN ON XXXX WE GOT THE OFFICE SS APPROVAL FROM XXXX AND CLOSING DATE OF XX/XX/XXXX DUE TO THE FC DATE XXXX XX/XX/XXXX. 
THE GUY ON THE PHONE TRIED TO ARGUE WITH ME ON HOW FAST XXXX MTGS APPROVAL SHORT SALE AND THAT THE HAD NO NOTICE OF A FC DATE, MY AVG FOR XXXX YRS HAS BEEN XXXX HOURS. HE STATED THEY HAD NOT DOCUMENTS ON THE XXXX DATE, I INFORMED HIM IT WAS PART OF THE PACKAGE, AND HE DENIED IT, I THEN EMAILED THE ATTONREY AND HE STATED THEY WERE NOTIFIED ON BY STATUTORY NOTICE ON XX/XX/XXXX. AND HE UDPATED IT AGAIN. I WAS TOLD THE FILE WAS REVIEWED BY THE U/W BY 1 PERSONA AND THIS RUDE GUY SAID IT WASNT. 

WE NEED TO CLOSE SOON AND NEED THIER APRPOVAL, THEY KNOW THE XXXX MTG DETERMINES WHAT THE XXXX WILL GET. THEY HAVE THE APPROVAL WITH XXXX, CLOSING DATE, AND THE XXXX DATE DOCUMENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not responsible of those accounts. I am a victim of ID theft. People have use my information to open them and also make fraudulent activities
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  has sabotaged my credit with false late payment claims when in fat the payment was confirmed received and applied to my account before due dates. It wasn't until i went to refinance that I noticed these damaging reports and when i spoke with A Hire up I was told they would be corrected and the payments where also under an agreement program in which no late fees or charges or reports will be applied. I also noticed that there reporting was inaccurate across all three consumer reporting agencies which makes these reports in accurate. I would like all late payments removed immediately.
Product: Credit reporting or other personal consumer reports

I received a alert of my showing that I had a inquiry from XXXX XXXX on XX/XX/year> I was not aware And another XXXX XXXX XXXX XXXX XXXX on XXXX XXXX I call Trans Union to verify the mistake as I explained to representative its shows on my file that with Trans Union that I do have a XXXX XXXX XXXX XXXX that am aware not this new Inquiry and XXXX XXXX show I applied with them on XXXX so please remove this inquirys Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans union has 2 bankruptcy showing on my report I have disputed them 5 times they keep sending me the information is verified as accurate and investigated is closed I reached out to the bankruptcy court and they provided documentation that proves the reporting is incorrect they also stated that nobody for trans union has reached out to them to verify Accuracy I have sent them this certified mail and provided clear proof I keep getting denied my home loan due to this bankruptcy reporting now I want answers and hold someone accountable I have been patient and followed there protocol and cant seem to get anyone to do there job I cant provide proof of deliver of items sent to them showing this is wrong information reporting need this address ASAP I am willing to do whatever it takes now
Product: Credit card

Between XXXX XXXX one of these days I found a website called upgrade.com I assume you can apply for a credit card with this card company. I submitted my social security number and address and phone number after to come to a page that requested me to submit my banking information. So I stopped. I don't understand their application process. And I called Saturday XX/XX/2023 their customer service to see if they could delete the application along with my personal information, they said they will hold on to my personal information for 5 years. Every consumer have the right to change their mind, and don't want to be bothered with this offer. I just want them to delete my personal information that is all. 
This is suppose to be a credit card company : Upgrade com address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Most websites allow you to delete your personal information.
Product: Credit reporting or other personal consumer reports

I am interested in processing disputes on my credit report to delete an remove all inaccurate information that is hindering my credit report. this has been an ongoing issue that needs to be resolved. multiple items on my credit report are posted illegal an fraudulent reports on my credit file. please review an remove the listed items posted to help clear my credit report asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accourding to the Fair credit act my inquires over 2 years should have been removed. I reviewed my reports and noticed the following inquires over two years still remain on my report. 

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

To : XXXX XXXX XXXX Portfolio Recovery Associates Subject : Formal Dispute Unauthorized Debt Assignment Dear Sir/Madam, I am writing to formally dispute the alleged debt associated with XXXX XXXX XXXX , which has been assigned to Portfolio Recovery Associates ( PRA ). I am not liable for this debt, and I do not have a contractual agreement with Portfolio Recovery Associates authorizing them to collect any amount from me. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am requesting : Debt Validation PRA must provide proof that they have the legal right to collect this debt, including a copy of any original agreement with my signature. 
Proof of Assignment Documentation showing XXXX XXXX XXXX lawfully transferred or sold this debt to PRA. 
Credit Reporting Correction If this debt has been reported to the credit bureaus, I demand its removal if it can not be validated. 
Until proper validation is provided, I dispute this debt in its entirety. Any continued collection efforts or reporting of inaccurate information may be considered a violation of federal laws, and I reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. 

Please provide a written response within 30 days of receiving this letter. 

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

On XX/XX/year> at XXXX XXXX  Equifax recieved a certified and notarized dispute letter from myself disputing several items for violation of 15 U.S. Code 1681 e ( b ) with absolute details of contradicting and inaccurate information on such accounts. My legal name and current address and account numbers were listed in this document as well. On XX/XX/year> I received a letter from Equifax dated XX/XX/year> stating " We were unable to locate your credit profile in our database with the identification information you provided, In order to further assist you, we will need additional documents to verify your identification. '' Under Illinois Law ( 5 ILCS 312/ ) Illinois Notary Public Act the verification of my identity was confirmed and verified under a " Notarial Act '' as authorized by a State of Illinois Notary Public . Furthermore this dispute was not addressed nor satisfied within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a while ago that a collection appeared on my credit report for the amount of XXXX. It is listed as " Credit Collection Services ''. It indicates the original creditor is " The general ins company ''. And it indicates the account was opened on XXXX. I moved to Oregon in XX/XX/XXXX and bought XXXX insurance shortly after due to my insurance company being unable to keep me insured due to a ticket. My insurance that indicated they couldn't keep me in was XXXX. Prior to that, I had XXXX for years ( Since at least XXXX ). I actually was involved in a lawsuit that clearly was with XXXX in XXXX following an accident, which I was not at fault for. I am including documents that I found via my email showing my XXXX policy as early as XXXX and my last email from the XXXX which was in XXXX. This means this debt is falsely reporting to my credit that I owe them for a debt that was created in XXXX, and it is past the statute of limitations per WA law which indicates any written contract 6 years is the statute of limitations. However, insurance companies bill on a monthly basis. I simply changed insurance policies and chose not to continue with them, therefore, I will not for insurance I was not actively using and did not pay which resulted in a lapse- not a balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

So check this out, I went to get a job and was denied things on my credit report that don't belong to me there's a car loan XXXX cards that don't belong to me at all they are a result to identity theft.
Product: Credit card

Soon after making my payment to this company, I received multiple daily calls to my landline and cellphone asking to contact them. Upon my contact, it was discovered that I was erroneously assessed a late fee on the account. The representative was neither apologetic or very willing to remove the fee and was insisting I pay three times the amount of my payment due. I advised her that I would not be paying for a late fee I did not owe nor was it in my budget to pay the amount fee she asked. Then she said that it would be able to pay {$27.00} for the next month. Soon after I made this month 's payment, I started receiving calls again so I contacted them again. The late fee still had not been reversed and they were still expecting me to pay 3x the payment amount. The rep was apologetic but did nothing to speed up the reversal of the late fee. I told him that I was being harassed by the company and did not want to receive and further calls. I was able to block them on my cell phone though they still have continued to call my landline. Their customer service is non existent and their business is run unethically. I would like all late fees reversed and the balance to be correctly adjusted. In addition, would like a letter of apology for the unnecessary harassment and afterwards would appreciate their ceasing any further communications with me. I am absolutely appalled at the treatment I have received from this company despite my long time business and excellent credit history.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/1980 ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 a personal credit card account opened at XXXX XXXX under the account number ( XXXX ), an auto loan account opened at XXXX XXXX XXXX the account number ( XXXX ), a personal loan account opened at under the account number XXXX XXXX ( XXXX ), and a collections account opened at credit collection servic account # ( XXXX ) XXXX XXXX  XXXX account XXXX XXXX XXXX ) XXXX XXXX XXXX account XXXX XXXX XXXX ) that appears related to the aforementioned personal credit card account opened at ads/comenity/victoria account # ( XXXX ) credit card account XXXX XXXX account # ( XXXX ) student loans all have same account # ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report DUE TO MULTIPLE DATA BREACHES I WAS EFFECTED. 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 due to several data breaches i was harmfully effected by.
Product: Checking or savings account

Currently have an active chapter XXXX bankruptcy and navy federal credit union first revoke my credit card also removed my overdraft protection and now I can add my spouse into the checking account the other I does not really matter but i want to add my.spouse into my checking account that's i want and navy federal credit union does not allow me to according to them its there XXXX  policy.
Product: Credit reporting or other personal consumer reports

Improper use of inquiries, never authorize any inquiries to be conducted under any circumstances please have them removed
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report.

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : - XXXX  XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. 

I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted the {$2.00} or {$3.00} required by the XXXX XXXX online and have a printed receipt from last XXXX or XX/XX/XXXX. The credit reports from XXXX and Equifax indicate I am on the opt out list until the end of XX/XX/XXXX. I sent a letter with proof of payment above and copies of the opt out prescreen and XXXX XXXX letters and I don't want any marketing or use of my reports for anymore junk mail from the credit bureaus. They need to update my legal request and I should not have to prove to them again of my opt out prescreen choices or XXXX XXXX that I paid to have my name removed for 10 years! Please follow up with them for everyone who pays to stop junk mail. Thank you! 

2. After all these years, Equifax has my wrong birthdate year. I sent them proof last month, clearly stated on driver 's license and they list it wrong. I am sending proof again XX/XX/XXXX. Fix this immediately please!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is for the following debt collection companies. XXXX XXXX XXXX XXXX LOANS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want to see a copy of the original purchase agreement that show that you legally own this debt by this original creditor. I am also requesting copies of all statements from open to close this account. I want to see proof that you are legal debt collector in my sate. I want see a copy of your bond that shows your legally registered in my state.
Product: Credit reporting or other personal consumer reports

In a 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 U.S.C 1681 XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXXccount # XXXX XXXX  account # XXXX XXXX funding account # XXXX XXXX XXXX  account # XXXX has violated my rights 15 U.S.C. 1681 section 602 A states I have a 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 ( 9 ) ( 5 ) section States no consumer reporting agency may make any consumer report containing any of following items of information any other than records of convictions of crimes which ante dates the report by more than 7 years 15 U.S.C. 16815-2 ( 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, credit repair services, or other personal consumer reports

There accounts on my credit report that are listed on my credit report that do not belong to me. Please remove them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and BLOCKED. 



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