23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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 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 blocking the erroneous information which 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 ; XXXX XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$5800.00} ; XXXX XXXX XXXX XXXX Balance : {$2000.00} ; XXXX XXXX XXXX XXXX Balance : {$3000.00} ; XXXX XXXX XXXX XXXX Balance : {$4100.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX XXXX XXXX {$340.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX & XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Debt collection

RE : VS Account Number Ending XXXX w/ Comenity Bank XXXX : Settlement Letter to Comenity to Pay in Full Account Ending XXXX XXXX : Proof Settlement Letter Received by Comenity Bank XXXX : Comenity Bank Cashed {$190.00} Check and as Stated in Settlement Letter, this Account to be Paid in Full and Credit Report Updated w/in 15 days of cashing check XXXX : Cease and Desist Letter due to Comenity Placing Numerous Repeated Calls to Work Phone XXXX : Comenity Bank Still Reporting on my Credit Bureau and Still Numerous Repeated Calls to Work Phone
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX  -- XXXX {$510.00}. I never opened an account with them. 
XXXXXXXX XXXX -- XXXX {$560.00}. I never opened an account with them. 
XXXXXXXX XXXX -- XXXX {$2800.00}. I never opened an account with them. 
XXXX XXXX XXXX -- XXXX {$940.00} XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXXXXXX XXXX XXXX -- - {$1600.00} I have disputed these companies on all XXXX credit bureau and these company with no results of them being deleted. The company will not provide any information to me these accounts belongs to me. I have never done business with these companies nor have i applied for credit with any XXXX of them. All XXXX credit bureau keep the information on my reports saying it was verified and when i ask how they verified the information and for them to send me proof how it was verified they don't provide it to me. I've been going back and forth with the companies and the credit bureau for a few years on these companies. I have been a victim of identity theft and have the alerts on my report. I'm a victim of XXXX XXXX, Equifax, XXXX data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

I compared my credit report across all reporting agencies, not something I have ever done in all my life. I am glad I did. I find out almost 99 % of the records I have listed across the agencies conflicts in dates. Many dates. I noticed balances and statuses are mismatching. I noticed payment dates are not not identical across all the agencies. To make it worst my name, address and workplace are incorrect. Its amazing taken into consideration the effects on the livelihood of person credit reporting has. 

I have taken the liberty to attach a recent credit report comparing all 3 agencies. All discrepancies have been highlighted for you to easily see. Fair warning you will notice an amazing glow of yellow. See for yourself. 

I have reached out to all the agencies multiple times to dispute and validate items, they return unchanged. This is too huge for me to handle on my own. Something to this extend is not something I know how to do or attack. So many discrepancies it is not fair to me. I am very effected and it is conflicting information. I was recommended to reach out and explain my case. I know it is intensive but I hope you can help.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report reflects a hard inquiry with XXXX  XXXX on XX/XX/18. I did not make any hard inquiries and have not authorized my credit to be ran for any transactions. After calling XXXX, I was told that my credit was ran at a XXXX XXXX in South Carolina. I have not been to any dealerships or made any inquiries. XXXX has been essentially useless in helping to escalate this issue. My credit report has been negatively affected and somebody obviously has my social security number and other personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have address this several times. Now the issue is the account. Was open XX/XX/XXXX and other mis information. But XXXX showing it was opened XX/XX/XXXX. And that not correct. In the past when I point out wrong info the credit reporting agency just Changed them on my credit report and notified the creditors. I thought they were to remove them. So I'm going this route. The date opend is wrong. Along with other info. But for now I'm noticing Date open wat XX/XX/XXXX. Not XX/XX/XXXX. I'd like the credit remove from my report
Product: Credit reporting, credit repair services, or other personal consumer reports

It is a new season and the time for people that are in low to moderate debt like myself to fix their reports are now. Within the past year my accounts have been overcharged, froze, added monthly fees for an example reporting that I owe twice in one month and dont ( XXXX XXXX refusing to accept payments ( Capital one ). 
My history of credit isnt too good. Lets take a look into why Im authorized XXXX credit cards without XXXX benefits/limits. For over 15 years only authorizing {$200.00} credit limits with several companies. I have often thought am I case for a loan shark? Or is it credit agencies stopping me as soon as they lend me the credit also considering is the healthcare provider Im using targeting my personal welfare. 
Nothing is clear about the lengthy process in history of wanting Excellent credit but only rated poor. Thats not fair. Today I owe {$24.00} to Capital One they will not accept my payment. XXXX has falsely reported XXXX late payments and I dont owe. 
How can I get assistance with small businesses passing my information from desk to desk. 
I want good credit and I want it Now. 
Your so kind for properly handling my case today. 
*Please note I am U.S. citizen not an Alien. * Sincerely, XXXX XXXX
Product: Credit reporting

There are address attached to my credit report that do not belong to me. I will like like for you to help me solve this issue.
Product: Checking or savings account

This is a follow up to XXXX. CItibank closed my checking and savings account and offered me no reason for their actions. I opened a checking and savings account at Citibank on XX/XX/2020. Currently there is a combined balance of approx. {$9500.00}, mostly funded by direct wires from my XXXX XXXX. 


Not only was a left with no money for bills. When the set me a refund the check for my savings account it was for {$2000.00}. The balance, or amount the stole from me for that account was {$8000.00}. Hence, I am missing {$6000.00}. They refuse to give me a reason for the egregious error or will not tell when, or if my funds will be returned. 

They also stole the balance from my checking account. {$1500.00}.
Product: Debt collection

Last Spring I noticed several weekly payments coming out of my account from XXXX XXXX XXXX. I called them and asked what this was and they couldn't give me any information as I didn't have an account with them. I asked them " why then are you taking out money from my bank account? '' They suggested I call my bank. 

I called my XXXX XXXX  and they started an investigation and issued me a new debit card as that was how the monies were being removed. They reimbursed me all the funds. 

Sometime in XXXX I started receiving phone calls from a company that said they were trying to collect on the debt. I relayed the same info to them as above. They told me that they were emailing me information. I asked what email they were using and it wasn't mine. Something like XXXX???? 

I then called XXXX County Sheriff Office and spoke with a Deputy who said that this was a common ploy and that I should just tell the people who called that it wasn't my debt and hang-up. He also suggested I keep a watch I my credit report. When I looked today, I found a negative report from Security Credit Services in the amount of {$1400.00}. I called XXXX and disputed the report. They suggested I file a claim with the FTC.gov which I am doing today. 

Can you please help?
Product: Credit reporting, credit repair services, or other personal consumer reports

Near XX/XX/22 XXXX insurance has reported that my legitimate, approved claim for a minor scratch and dent issue with my car is a collision accident. First, I had full coverage to cover any issues. Second, this minor damage was not my fault as it was an immovable object that I could not see when I was backing out of the proprietor 's garage. No one was hurt and no damage was done to anyone or thing except my car. The damage was more than I can afford, so XXXX 's claims department advised me to go ahead and get this minor damage fixed as I had already paid for just this kind of potential event. Unbenownst to me, XXXX has reported this as a collision and now my XXXX XXXX Report and my CLUE report are showing this incorrect information which is now preventing me from being able to obtain reasonable insurance. I had no idea that this kind of report would follow me for at least 3 years. I contacted Lexis Nexis to file a complaint and correction. To this date nothing has been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN has gave false scores to everyone in which has made me and millions of others have to pay higher interest rates and payments which means EXPERIAN didnt exercise there grave responsibility to my consumer report. EXPERIAN was completely unfair, Partial, and did not respect my right to privacy. Pursuant to 15 USC 1681 ( b ) ( 2 ) In accordance with the written instructions of the consumer to whom it relates As i never instructed EXPERIAN in writing to furnish this report and never consented to this report on my credit file by : Account info Account name XXXX XXXX XXXX I Also known as XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XXXX XXXX as well as I XXXX XXXX XXXX : Account name I XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$210.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX XXXX {$210.00} XXXX updated XX/XX/XXXX in the first place as well as pursuant to 15 usc 1681 ( a ) ( 3 )  Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. So EXPERIAN just assumed that EXPERIAN could report this and EXPERIAN never had my permission and stole my identity to report on my behalf.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding several discrepancies on my credit report. Upon review, I identified multiple inaccuracies, including incorrect account entries, billing errors, and accounts that are not mine. These issues are threatening my financial security, and I am urgently requesting your assistance in resolving them.
Product: Mortgage

My complaint starts with XXXX I called Mr. Copper lending company to check on my payments for mortgage. The letter statement showed XXXX but checking the website its was XXXX. This confusing situation began in XX/XX/2022, I spoke to Mr. Cooper on the phone about my shortage in escrow of XXXX and I talk to customer service and gave my account number, and routing number to electronically withdraw from my bank account. It was not done they said due to insufficient funds which was not true. Again I tried in XX/XX/2022 and spoke to Customer service and I got the same response from the REP. of INSUFFICIENT funds in account. All not true, so I mailed a check of XXXX and wrote on check memo line ESCROW ONLY along with sticky note in PINK. They applied it to my principle balance anyway. I again I called and talked to REP at Mr. Cooper to move funds to ESROW ACCOUNT. In the meantime they charged me XXXX on XX/XX/2022 and XXXX on XXXX 
I spoke to XXXX at Mr cooper XXXX XXXX and she said its a fee from my bank due to Insufficient funds and Mr. Cooper was charged by my bank that amount of money. I called XXXXXXXX XXXX  and NO transaction was filed with them. Also the check I mailed XXXX was from the same account as electronic withdrawal. I want a refund of XXXX and XXXX
Product: Debt collection

I get daily calls from CBE Group trying to collect a XXXX debt. They have a wrong first name for me and the last XXXX digits of my social security number are wrong. I do n't have comcast and never did. When I called them I acted like they had the correct information about me. But when I said I never had comcast, the man said my identity was stolen. I finally told him he had the wrong name and number for me and he hung up. Their phone number for CBE Group is XXXX XXXX XXXX.
Product: Credit reporting

Equifax previously deleted my XXXX XXXX XXXX deleted and removed this account from my credit report and added it back on to my credit report. I have a snapshot of where I took a picture of this on my credit report of it stating it was removed and went back later to Equifax and saw that they had added it back. Called them the same day and asked them to remove it and they stated " It is still on your report it has not been removed. ''
Product: Credit card

Wells Fargo Inquiry on my credit report was not mine.. I didnt apply or did any transaction with Wells Fargo ..
Product: Debt collection

I settled on 2 loans by XXXX XXXX XXXX XXXX but I am not sure if I own the loan, I do n't have any paper work proving I own the loan and they did not provide any information after I asked many times.
Product: Debt collection

Today XX/XX/2022, I received in the mail an attempt to collect a debt from Radius Global Solutions LLC in the amount off {$540.00}. This letter is the first time I've ever heard of this debt. I never applied for this " XXXX XXXX XXXX " account and have no information as to where it came from. This is the 4th identity thief issue I've faced in a six-month span. XXXX others are currently being investigated and the first one was resolved holding me not accountable. I contacted Radius Global Solutions and talked with XXXX and she entered my complaint and said they would get back with me. The reference number on the account is XXXX. 
Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I requesting the reversal of ( 2 ) late payment transactions on my consumer credit report listed as follows : Creditor : XXXX XXXX Acct # XXXX Account Opened XX/XX/XXXX Late XX/XX/XXXX - 30 Days Creditor : XXXX XXXX Acct # XXXX Account Opened XX/XX/XXXX Late XX/XX/XXXX - 30 Days As per attached below the cited law 15 U.S. Code 1681a states transactions ( Late Payments ) or experiences ( Utilization ) are Excluded. Please reverse the ( 2 ) late payments to reflect Paid as Agreed or OK on my consumer credit report.
Product: Credit reporting or other personal consumer reports

I have never been late on my XXXX  loans. They have been deferred for numerous amount of years. Since dealing with XXXX  issues and financial difficulties I always kept in touch and have always kept them either deferred, they have never been late 30 60 90 120 days they've never been late I always apply for the deferment months ahead especially with my XXXX  condition and financial condition be in the same for so long. 
Every year for 20 years I've tried to get them to correct it and I don't have a record of conversations where I filled out deferrals because you do it over the phone and it's granted, so there's no way for me to prove that I had it or for them to prove that it was actually late and not deferred via phone.
Product: Credit card or prepaid card

Two credit cards were issued by Walmart and JC Penney respectively via Synchrony Bank. The credit grantor closed the WalmarXXXX account in XX/XX/2018 and the JC Penney account in XX/XX/2018 and have continued to charge an active {$38.00} late fee on both accounts each month. After contacting the companies respectively regarding the charges, the representatives would not remove the late fee charges although they have denied access to the credit on both cards for more than 6 months. The charges for late fees after the account was closed have destroyed my credit and I am seeking relief in damages. I have been denied additional credit and the credit score of myself and my authorized user has been severely diminished. The accounts are reporting as closed to the three major credit bureaus however the late fees are showing active each month thus further lowering my score. I have no issue with paying the amount of the credit used with the appropriate interest, however, charging late fees on closed accounts is not listed anywhere in the disclosures for each account nor with Synchrony Bank itself. In addition, my mother is listed as an authorized user and representatives have refused to discuss the account with her to resolve the matter. I was an XXXX XXXX XXXX college student when I signed up for the accounts and I authorized her to manage the accounts on my behalf and she was denied. 

These creditors are charging interest on late fees in addition the actual balance thereby running the balance up in excess while denying access to credit.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Reporting act. The List of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account : XXXX, XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX, XXXX XXXX XXXX XXXX XXXX Account : XXXX 15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : ACCESS REC Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

30 days ago I submitted a dispute with XXXX concerning capital accounts llc. XXXX  forwarded my entire dispute to Capital accounts llc. I explained that they are attempting to collect a debt that was the result of identity theft. I also attached a police report confirming my stolen identity. I also explained that at the time of the incident I was living in California, not in the XXXX XXXX united states, and to travel there for medical services is lunacy. Still Capital accounts llc verified the account but gave no information as to why the account was verified as accurate. When I contacted capital accounts llc and explained that this account was fraudulent, they did not care and asked me to pay for the fraudulent account.
Product: Credit reporting or other personal consumer reports

I have accounts currently that are under an address im not associated with.I have been reaching out to the Credit monitor company for info but they dont have any info to give me and when I call they are very rude as if I did something.I am an victim of identity theft which is why the etc report was submitted its a total of 7 accounts im reporting 5 closed accounts and 2 collections all of this was listed on the etc report .They only gave me the first 6 of account number which is why that was all I was able to provide.