23daVinci/CFPB_Complaints huggingface dataset:
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 how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XX/XX/XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$46.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$2400.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$630.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$330.00} XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX Balance : {$17000.00} According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S| Code 1681e ( b ) and 15 U.S. Code 16811 ( 5 ) these accounts are in violation of not reporting 100 % accurate. 
Accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX Account number XXXX XXXXXXXX XXXX Account Number XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In reference to this credit report number XXXX from XXXX I try to get in contact with them to delete XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX on his way in XXXX XX/XX/XXXX XXXX financed XX/XX/XXXX I do not recognize these charges on it come from a person with a similar name as me but I have a police report and Im uploading and I would like all the sizes and all the incorrect name so my file delete it from XXXX XXXX Equifax and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a XXXX party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or XXXX party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 30 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Credit card or prepaid card

I had been with discover credit card company since XX/XX/2020. I immediately set up automatic payments to be processed on the XXXX of every month from my banks ( XXXX XXXX XXXX ) savings account. Every time on the XXXX, discover sends me a text and an email saying my payment was RECEIVED but couple days later, I get hit with a returned payment fee of approximately XXXX dollars three or four times before the payment actually goes through despite having sufficient balance in my savings account. I tried to talk to my bank to resolve this issue which was also unsuccessful. This has been happening since XXXX of last year and I have been charged 12 times for returned payment fee by Discover. Last month, for instance, discover sent me a text as well as an email saying my payment of {$57.00} was RECEIVED. I called a discover agent and asked if the payment actually went thru and if it was received by discover as they say it was. The agent affirmed that the payment went through and reassured me that I have nothing to worry about. Few days later, discover charges me returned payment fees despite having sufficient funds in my bank account. This has been an extremely frustrating experience.
Product: Debt collection

I received a bill from XXXX XXXX XXXX company XXXX 2015, XXXX months after I terminated service in XXXX 2015. I wrote back multiple requests asking for a detailed summary of charges since at the time of termination I was told by the rep, I was owed a credit since I was billed a month in advance per their billing cycle. Surprised when I received a bill but no explanation of charges. Mailed multiple requests asking a detailed summary of charges. Never received anything. Next thing I know, I receive a letter from a collections agency on behalf of XXXX XXXX. I called them finally to try to get to the bottom of the situation. Was told they received my requests for a detailed summary of charges and had mailed one out but I never received it. I then asked what the charges were for and the collection agency said for close out fees. Please note I was not on any type of contract with XXXX XXXX but on a month to month basis. I also informed the rep over the 5 years I was a XXXX XXXX customer, I never was notified of any close out fees on a month to month service basis. The rep then put me on hold and transferred me to a manager. The manager was rude, cut me off multiple times and said they will be reporting me to the credit bureau. How is this fair and is this not against the law? A consumer is asked to pay a debt blindly with no explanation of charges whatsoever, no response to multiple requests of a summary of charges and then told the fees are for close out service fees that I was never made aware of? Is this illegal? How is a consumer to protect themselves and their credit against companies like this? What can be done here to protect me, the consumer?
Product: Credit reporting, credit repair services, or other personal consumer reports

First, I am a victim of identity theft. On XX/XX/XXXX I sent a notarized personal statement to Transunion listing all of the fraudulent accounts, inquiries, phone numbers, addresses and employers. On the same date I also sent 2 FTC identity theft reports, a police report and a color photo of my driver 's license ( for proof of my identity ). On XX/XX/XXXX I received an Transunion credit file. This credit file still shows 1 fraudulent address ( # XXXX XXXX XXXX XXXX XXXX XXXX XXXX ND XXXX ), 1 fraudulent account ( # 1 XXXX # XXXX ) and 2 fraudulent contact/phone numbers ( XXXX + XXXX ) and 4 fraudulent employers ( # 1 XXXX XXXX XXXX, # 2 XXXX  XXXX, # 3 XXXX and # 4 XXXX XXXX ). Section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days ( today is XX/XX/XXXX) which means Transunion is in violation of the Fair Credit Reporting Act.
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 XXXXXXXX XXXX XXXX, which falls under XXXX  according to XXXX - Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts : 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

the person that answer the phone didn't wan na help me
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has gotten a hold of my identity and opened XXXX account and applied for many ; wrote into all credit reporting agencies to dispute account and inquires, this has not been investigated, updated or removed. The XXXX account is XXXX XXXX XXXX XXXX credit cards and all non-account holding inquires. Every account that I applied for have been approved.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OregonXXXX is my only address and current address 15 U.S.C 1681 5-2 ( 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, credit repair services, or other personal consumer reports

Ex husband failed to refinance his truck to his name. My name was left on the loan. He made all the payments ( automatic from his account ) on time except the pay off amount, {$58.00} and a payment in XX/XX/XXXX of {$330.00} that I paid. I received a call from the loan company XXXX XXXX XXXX XXXX at the time and paid it to save my credit. It is in the divorce decree that the truck goes to him. I did not know that I could have put in a motion to basically make him refinance and get my name off. I know now : ( The present company XXXX XXXX XXXX never sent notification until it was 30 days late. 
I called XXXX to get info on how to dispute this. Attached is the docs I sent to them. On XX/XX/XXXX, they sent me a letter saying they reviewed it and unable to process to remove as an act of " Goodwill ''. I am not asking for goodwill, I am asking for what is fair. 
They then explained in the letter how I could submit a dispute to the same place I just submitting my info to. I am thoroughly confused. Letter attached.

My credit score was XXXX and dropped 91 points. I would gladly share my credit report to show that missing a payment is not my pattern. 
I submitted the same information to Experian - Report # XXXX and they are now reporting another 30 days late for XXXX XXXX pay off was XX/XX/XXXX they updated it XXXX XXXX. I will not give up on this. I worked too hard to achieve good credit and for {$57.00} this happens. I can not give up on my good credit standing and what is fair to me. 
Thank you.
Product: Credit reporting or other personal consumer reports

Subject : Request to Block and Delete Fraudulent Accounts and Inquiries under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) I am writing to formally request the immediate blocking and deletion of the following account from my credit report, as I am a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am entitled to request the removal of fraudulent accounts resulting from such breaches. 
Account Details : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year>2020 Amount : {$2100.00}
Product: Consumer Loan

I have been making payments on this auto loan over the last 4 months, even though I am late with making the payments. I understand and take full responsibility for being late, but Wells Fargo Dealer Services wishes to do nothing to assist with helping me with being late. All they want is the money and the late fees on the loan continues to climb, which will eventually eclipse the amount due. No efforts are made to rectify this and no matter how much of a payment I make to the loan, they just continue to tack on more and more late fees and when asking about bringing the loan fully current next month, they only state that they will do nothing about the late fees. They state how much they wish to help me, but they do n't. They just want the money and they want to do nothing. They can not reduce the payment or do anything that will help me. All they are doing to help me is blow up my phone with calls, send threatening letters about how they will get their jollies off on taking my car, and how they want to continue to stick it to me with late fees. Eventually, the late fees will go over the total amount paid. I AM NOT PAYING THE LATE FEES. IF WELLS FARGO WANTS TO HELP ME THEN THEY NEED TO HELP ME AND NOT BE LIKE A PREDATOR.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report it show it is a charge off, and I called the original creditors and they said the debt was sold to another company. I was telling them to please remove the account off my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with XXXX XXXX I paid the account off and at no point was it charged off. I believe there was some type internal error that they coded the account to be a pay balance each month instead of monthly. Whatever the case it never was charged off. This is have a huge impact and I really need your help.
Product: Mortgage

The mortgage broker caused me to lose {$1200.00} because of their incompetence. They misfiled paperwork and ignored my calls questioning why I was n't hearing back from them with any information. After finally looking into the matter they found that the paperwork was " misfiled ''. I had to pay an extension fine of {$370.00} to HUD for a 15 day extension in which I asked the brokerage firm to give me priority so I could close before the end of the extension. That closing date came and went and I had to file for another extension ( {$370.00} for another 15 days that HUD allows ) and that closing date also was not met. HUD must have the paper work to them 5 days prior to closing date or prior to end of extension to complete their end. In the meantime I also paid for the bank 's appraisal at {$510.00}. So when they were not going to meet the extension deadline for the 3rd time, my realtor asked HUD to work with me if I were to find a different mortgage broker and they said they would let me as long as I paid another extension fee. Which would have actually been 2 more as a new mortgage takes 3-4 weeks and the extensions for HUD are only 15 days each. I asked the original mortgage company to pay me for my loss and they told me no.
Product: Debt collection

I checked my credit report in around XX/XX/year> and noticed that XXXX XXXX XXXX XXXX XXXX XXXX XXXX, located at XXXX Billings, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX had placed a collection item on my credit report. I had never received any information from this company and was shocked to see this item on my report. Due to the fact that I have not received legal notice of this debt I sent the company a cease and desist contacting me via all forms due to the fact that they have failed to follow the law a direct violation of the FCRA and possibly a violation of FDCPA ; reasons why I am filing a complaint to have this company comply with the Federal and State Laws of Texas in regards to placing collection items on my credit report harming me negatively. This item has been negatively on my credit report. 
I sent a certified letter on XX/XX/year> to the address on my credit report to cease and desist contacting me and to remove this negative item off my report and that I have never received any form of communication from this company as prescribed by law of any debt. I called the company to have them validate this information per certified letter. I spoke to a representative by to get information on why they have not sent me the information, On XX/XX/year>, the company sent out XXXX letters to me, see attached and this is the first line of communication of any debt that I have received from XXXX XXXX. They sent these after I called to inquire about them removing any and all items from my credit report. I feel that this was a form of harassment to send me any letters in reference to a debt because they did not send them during the initial process before putting an item on my credit report and that I have not received a letter of validation of a debt and the information that I asked for within the prescribed 30 days that the law prescribes. I ahd never received a letter from them for the initial debt on my report until after they had put this informaiton on my report. 
I also found out that the original creditor had sent an item to them and it was not 1 year from the date the alleged debt was made. 

Due to the fact that they agent with this company stated that they are going to send this bill for suit and leave this on my report and they sent XXXX additional letters to me at XXXX time, some of which are time barred and they sent them to harass and annoy me, there by violating the FCRA and FDCPA. They also sent a bill that was not XXXX old as prescribed by Texas law XXXX a bill has to be over a year old before being sent to a collection agency. 
As of this XXXX day of XXXX, I still have not received the information that I requested. I asked the company if they received my letter and they lied and stated that they did not. Please see the attachments from the XXXX that this letter was received by an agent for XXXX XXXX.
Product: Credit card

I received a call on cell phone indicating, " XXXX XXXX. '' I was told I was being contacted because they suspected Fraud. Someone had filed a new application for a XXXX XXXX  using my SSN and 2 addresses : one in LA and one in TX. They correctly stated the last 4 of my SSN. That was very suspicious as I travel almost weekly between LA and TX. I indicated it was Fraud. They told me to hold as they would put me through to their credit reporting department that would filed an alert with the XXXX Credit Bureaus. I had my husband dial the number on my cell phone : XXXX. A recording indicating we had reached " XXXX XXXX XXXX '' came on and asking us to select an option. Both men I spoke to had heavy accents and one indicated his name was XXXX XXXX. The accent definitely did not match the name. I hung up and called XXXX XXXX, who indicated no new application with my SSN had been filed. Upon closer examination of the info on my cell phone, it indicated " XXXX XXXX. '' No cc company is going to have an employee call on a cell phone. This was a scam and attempt to get more of my personal information. Beware! They have set up the line to appear legit with the " XXXX XXXX XXXX '' voicemail.
Product: Checking or savings account

It has come to my attention that Wells Fargo has been rearranging debits and credits within my bank account in a manner which causes my bank balance to fall below {$0.00}. As a result, I have incurred numerous Overdraft and Non Sufficient Funds fees. 

Overdraft fees in the amount of {$35.00} occurred on the following dates : XX/XX/XXXX for a transaction in the amount of {$0.00} XX/XX/XXXX for a transaction in the amount of {$0.00} XX/XX/XXXX for a transaction in the amount of {$9.00} XX/XX/XXXX for a transaction in the amount of {$41.00} XX/XX/XXXX for a transaction in the amount of {$1.00} Subsequently, these 5 overdraft fees ( 5 x {$35.00} = {$170.00} ) caused Non Sufficient Funds fees in the amount of {$35.00}. 

XX/XX/XXXX Non Sufficient Fund Fee Total Fees incurred total {$210.00}
Product: Debt collection

i recently pulled my credit report. i found numerous of debt collectors fraudulent reporting on my credit report who i have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, i presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist. PLEASE REMOVE FRAUDULENT COLLECTION FROM MY CREDIT REPORT. DISCOVER BANK XX/XX/year>.
Product: Credit reporting or other personal consumer reports

This complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report, despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C.1681i, which mandates a responsible investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial protection Act ( CFPA ), 12U.S.C.5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. I have attached the accounts that Equifax for failed to properly investigate my disputes regarding inaccuracies in my credit report.