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

My information was sold and bought illegally because I am a victim of XXXX data breach. I want these items deleted off my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has deleted these accounts due to my information being sold from their data breach. Please help me delete these negative accounts on my credit reports that have been removed from my other credit reports : XXXX XXXX XXXX, Account XXXX XXXX  As well as inquiries on my TransUnion report that have been removed from or were never listed on my other credit reports listed below with the dates attached to inquiries that does not show open accounts on these dates. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date ( s ) XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ( XXXX for the same date which is against the law to do so ) XX/XX/2023, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX I do not contact these companies for the following dates that have been listed with XXXX XXXX nor do I have accounts for the other companies. 
I am attaching the proof of accounts being deleted from other credit reports, proof of data being breached through black web and data breach from XXXX. All Credit Reports By Law List The Same Accounts For All Reports To Accurate And If and When Something Is Proven To Be False or Inaccurate and Removed From XXXX Credit Report All Other Reports Should Do The Same.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

There's a XXXX XXXX and XXXX XXXX account on my credit report that I have no clue about. I contacted the Credit Bureau and the Collection Agency for these accounts in XXXX. I haven't received any information regarding these accounts, I only noticed on my credit report " Account Disputed By Consumer '' I followed up with the Credit Bureaus and the companies, as I haven't received any information regarding these accounts and I still haven't received any information, only stating that I owe this account and it's verified from the past. None of the account information listed on the Credit Reports align and I don't know how this account would be verified and I haven't got any information from XXXX XXXX and I don't recall service with a XXXX XXXX ever.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 I've sent letters to the consumer agencies for violating the laws of 15 US 1681a, 15 US 1681n, and 1681o. I can not wait for another 30 to 45 for action to be taken during these times of financial strain during COVID 19. I and my family have been embarrassed and stressed about the damage that's been caused. Also, there was NO written form of communication, contact, a signature for these unauthorized inquires that I'm accused of. An unauthorized inquiry without a signature does not validate the inquiry. According to the FCRA, has violated my rights as a consumer and I'm requesting legal action to remove and delete these inquiries immediately.
Product: Checking or savings account

My bank notified that they would be making changes to their bill pay service. I have been using these services to make automatic payments for years without issue. When the changes took place, I was prompted to add my billers again. In my recollection, at that time, I was only able to select a default address for the biller. I thought this should not be an issue, since my payments were always electronic, and I could find no way to edit the info. 

The next time I made payments, they were not posted to my credit card accounts within a week, and I was in danger of missing the due dates on XXXX accounts ( the auto payments generally take only a few days ). When I checked the bill pay records, it showed that they were mailed. The bank informed me that it might take XXXX business days for the checks to clear. By day XXXX, I learned that the checks were returned as undeliverable, and that my payments were late. 

I incurred nearly {$140.00} in interest and fees between the XXXX accounts, which I generally pay off monthly. The bank has responded that they notified customers to update their biller information, but I believe this was inadequate because the system was not prepared correctly for the update. 

I am including screenshots of my credit card statements to include the interest and fees, and also a screenshot of my bill pay record with the XXXX problem payments marked. The bank will have records of our communications in their apps messaging.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX # XXXX, XXXX XXXX  XXXX # XXXX, XXXX. XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX  XXXX  XXXX  # XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Good day im XXXX XXXX XXXX, XXXX account number XXXX XXXX from XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX city, i've been transact with my customers on XX/XX/2021 amounting XXXX and then he will pay me thru paypal, suddenly paypal send me an email to put on hold with my money for several days. And later on paypal will freeze my money for more than XXXX. My paypal linked my gmail. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX allowed 3 fraudulent account to be opened in my name, 1 Auto loan, account number XXXX and 2 credit cards, accounts XXXX, and XXXX. I've submitted police reports, as well as Identity theft affidavits. The information i submitted was good enough to have the auto loan was removed from my credit but XXXX XXXX had a change of heart and said the information submitted was invalid for the credit cards. They stated that my police report had invalid information such as a phone number that was listed on the fraudulent account is the same phone number used to open the account. i informed them in XXXX XXXX they gather all information from the credit report that's submitted with the identity theft affidavit. The fraudulent phone number and address that the sheriff used on my police report was fraudulent information that was submitted to my credit bureau was from XXXX XXXX. in other words the fraudulent information that's on the police report that capital used to reject my claim is information that was submitted by XXXX XXXX. I have never doe business with XXXX XXXX, none of these accounts belong to me. The same information that was used to remove the Auto Loan should be good enough to remove the credit cards also.
Product: Mortgage

I never missed a payment for about 12 years or so and all of a sudden I got a message that I missed a payment. I called to find out why they had this record and they gave me a long explanation that my payments over that last couple of years was short because of escrow increases. I had no knowledge of such and told them exactly that. They said too bad and I would have to make up the payment. ( over {$3000.00} ) The also told me that they were holding my money in a separate account until the next payment I made covered the amount of the payment missed. They then kept the additional money in that added account. I told them I would catch up the account over the next 4 months and they said they were ok with that. Over a couple of years my money was kept in an account separate from my mortgage and it gave me no interest or availability to the account. It was in essence their money. Then they started charging me a late fee each month until the account was caught up, which they said they would not do. It was a stressful time during and past covid when my business was essentially shut down. Late payment fees and hidden accounts I did not have any knowledge of. Sounds just like Wells Fargo. I'm sure there were thousands of these accounts that Wells Fargo was holding peoples money for their own interest and not the consumer. Thanks for your understanding!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Department of EducationXXXX Acct # XXXX XXXX XXXX  Acct XXXX  XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXXXXXX Acct XXXX XXXXXXXX XXXXt Acct XXXX  they could not provide one XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX  Acct # XXXXXXXX XXXX XXXXXXXX XXXX XXXX  Acct # XXXXXXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX and XXXX XXXX XXXX XXXXXXXX XXXX Acct 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 an account without my written instructions
Product: Debt collection

I am contacting you regarding a matter of concern in my credit file. I've noticed a collection entry from your agency that I was not previously aware of. Moreover, I have serious reservations about the validity of the claimed debt. Under the Fair Debt Collection Practices Act, I am entitled to request debt validation. Therefore, I formally request that you provide the necessary validation and take appropriate steps to resolve this issue.
Product: Debt collection

XXXX on the date of XX/XX/2018 for the amount of {$150.00}
Product: Credit reporting or other personal consumer reports

Experian, XXXX and XXXX have violated my rights as a federally protected consumer and allowed several XXXX 's to pull Hard Inquiries of my credit report without permissible purpose. Experian, XXXX, XXXX, are in violation of 15 US Code 1681b providing multiple XXXX XXXX a copy of my credit report without my written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the three credit bureaus several times about this matter still no update on accurate information I still have an accurate information no proof let me apply for any of this stuff Ive never even went To any college i see there is a account for dept of education i never signed up for i sent complaint # XXXX please remove inaccurate information this is hhurting my family and hindering my credit stopping Me from obtaining new employment please remove inaccurate information listed below Upon investigation XXXX XXXX XXXX  Closed Closed on XX/XX/XXXX XXXX XXXX XXXX XXXX Closed Closed on XX/XX/XXXX XXXX Closed Closed XXXX XXXX XXXX {$770.00} Needs attention XXXX XXXX XXXX XXXX  {$370.00} Needs attention XXXX XXXX XXXX {$160.00} Needs attention
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely angered with how Equifax has handled reporting this breach. Hardly anything at all was done to notify the public for nearly a month after the breach was detected. A physical letter? No! An e-mail? No! Unprofessional and low class. 

Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. This potentially could ruin millions of hard working people.Dealing with the 3 credit reporting companies is beyond tedious. Credit fraud protection should be mandatory for every account, not an option for us to have deal with.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of account ( s ) below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX  XXXX, has violated my rights under 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 also states : A consumer reporting agency can not furnish an 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 XXXX XXXX XXXX  which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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 am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charge off XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit card

This case is a follow up to the last case with the CFPB XXXX and the credit card application for the Citi XXXX XXXX card XXXX XXXX. 

I'm not going to stop util I get a response about my case. All documentation has been documented for future law purposes. 

Last response of Citi bank in relates with my credit card application XXXX was : Length of time accounts have been established on your credit report. 
Your credit report shows too many recently opened accounts. 
Your credit report shows too many recent inquiries. 

But the letter I got in my mailbox and it's on my possession said something completely different ( attached ) : *Complete, sign and return the form 4506-C tax return There's no match in the bank responses and reasons provided for the credit card application denial. 

The form 4506-C were filled, signed and returned correctly as indicated in the letter, after 20 days the application got denied due to : *We couldn't verify some of the information on your application. 

CITI BANK, respectfully, why are you changing the reasons of the credit card denial if I have the official letters on my possessions and those letters were provided as a proof for this case. 
One more time, if additional information is needed, I am 100 % agreed to provide to Citi bank any personal information, documents, ID 's bills of any other required form to complete my credit card application properly, same as I did when the bank asked for the form 4506-C. IM NOT ACEPTING no valid reasons as a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following hard inquiries currently showing and listed on my Experian, XXXX and XXXX XXXX credit are unauthorized and not my hard inquiries : XXXX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX/XXXX  XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX Total Select, XX/XX/XXXX, XXXX  XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX. XX/XX/XXXX, XXXX XXXX XXXX, XXXX. XX/XX/XXXX and XXXX XXXX, XX/XX/XXXX
Product: Debt collection

I CONTACTED THIS COMPANY ARS IN AN ATTEMPT TO CLEAR UP THIS MATTER BUT WAS UNSUCCESSFUL. THE REP WAS RUDE AND DISRESPECTFUL
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is attempting to foreclose on my home and a man has repeatedly trespassed and damaged my property, including my XXXX  camera. The man in the photo has stated that he is with the bank and that he is there to see if my house is occupied. 
A broker from XXXX XXXX contacted me yesterday to offer to sell my house in advance of the foreclosure and he stated that I was on the mortgage and that my credit score is being impacted. However, I am not on the note and the bank and XXXX  attorney refuse to communicate with me. 

In addition to this, the house has been tied up in divorce court in XXXX XXXX  XXXX since XXXX, index XXXX, and no one is addressing this issue. I am on the deed and title of XXXX XXXX XXXX in XXXX, MA, and have paid the deposit for the home and again paid XXXXXXXX XXXX to stop their attempted auction of my house during divorce proceedings in XXXX. 

The mortgage holder, XXXX XXXX XXXX, stopped paying the mortgage after divorce commencement in XXXX, violating automatic orders and a court order to pay the mortgage. XXXX XXXX committed perjury in court by stating that he was willing to sell me the house and then never responded to my offers. 
I have paid several real estate and divorce attorneys including XXXX XXXX and XXXX XXXX and this has led to no results and further financial abuse. 
My credit score is being impacted by the lack of attention to this matter by the courts and I am asking for assistance from authorities. I am in finance and this impacts my ability to earn a living and to support a family.
Product: Credit reporting, credit repair services, or other personal consumer reports

As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate and verifiable credit information. I need that you eliminate this late payment on these accounts because they are reported wrong. You should corroborate your information and remove the negative information on these accounts. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. I need the items corrected XXXX XXXX XXXX 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

TransUnion is reporting false information in my credit report. They lowered credit score because XXXX increase my credit account. Also the balance they're reporting on the account is false not accurate. I have supporting documents!!!! I dunt have any balances on all of my credit cards. The only account with a balance is my car loan & XXXX!!! I have a line of credit of {$3200.00} how is it that I didn't even used any credit on my account not even 30 % score went down.
Product: Credit reporting or other personal consumer reports

i sent XXXX, XXXX, and experian a dispute letter on XXXX, requesting deleting of the inaccurate accounts they are reporting on my credit report which is a violation of the FCRA. I have disputed with them several times and they haven't respond nor re-investigated the information which is a violation of 15 usc 1681e ( B ) ; 15 usc 1681s-2 and i am requesting compensation of {$1000.00} us dollars per violation, per item and the charge off accounts has passed the statue of limitation to collect on and need to be deleted, further more the debt was already paid per HJR-192, 18 USC 8, so i am requesting the alleged debts be discharged and deleted from my credit report.
Product: Checking or savings account

I recently had at least two account sold by XXXX XXXX to Flagstar Bank, which caused me to be unable to access server all XXXX dollars I desperately needed. I now live >100 miles from the nearest branch, so all of my XXXX XXXX banking was done online. I became aware that XXXX XXXX was planning to sell my savings account. First, I spoke to a XXXX XXXX representative about my wish to have my account remain with XXXX XXXX, but I was told there was nothing I could do. 

I told the representative my plan to drain the savings account, and at no point did the XXXX XXXX rep mention my checking account was moving to Flagstar too. 

On XX/XX/XXXX my checking and savings were moved to Flagstar.

I made 3 calls total to try to get access to my money between XX/XX/XXXX-XX/XX/XXXX. Flagstar is online banking was completely in accessible during this time. I never wanted to be a Flagstar bank customer, and now they have multiple accounts opened in my name. What concerns me even more, is that they refuse to close the accounts without several pieces of highly sensitive personal information being mailed or faxed to their corporate office. It seems crazy to me that a bank would be allowed to open accounts in my name without my consent. I would really rather not create a paper trail of my personal information for clock Flagstar to use to advertise to me. Furthermore I learned they are using my Social Security number as a login for the online banking portal which leads me to believe their security practices are subpar to say the least.