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 account 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 account listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 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 an alleged identity theft, not later than 4 business days after the date of receipt. 

XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit card

I clipped a XXXX XXXX 10 % cash back when spending {$100.00} or more offer before my transaction posted. Offers isually run for 30 days or so. I noticed glitches on their website, offers could be seen and clipped, then disappear and reappear. 

On XX/XX/year>, my XXXX XXXX transaction of {$490.00} posted that is eligible for {$57.00} cash back. The representative stated I did not clipped the offer before the transaction posted. I strategically plan and use my credit cards toy advantage and I certainly did clip the offer on time.
Product: Debt collection

the creditor placed a collection on my credit report that does not belong to me. 

i hereby request immediate removal of the inaccuracy from all XXXX agencies. the collector also failed to provide written notice of this so claimed debt
Product: Credit card or prepaid card

On XX/XX/2022, I purchased the following egift cards for my daughter 's birthday ( XX/XX/2022 ). Order # XXXX, order # XXXX, order # XXXX, order # XXXX and order # XXXX. I could not regift these ecards to my daughter on the XXXX of XXXX so I filed a dispute. I decided to regift them to my neice on XX/XX/2022 and they did not go through because of the dispute. 
When I received my XXXX statement, XXXX charged me for seven gift cards when I only purchased five. Immediately filed another dispute in the amount of {$180.00}, today I received a notice that my dispute was closed and that I had to pay for seven gift cards that I have not been able to use, nor did I order to be used ( seven ). I called XXXX today and tried to tell them that I still can not use those cards. They just kept switching me to different departments and after XXXX minutes they disconnected the call. 
I am not going to pay for egift cards that I did not order nor pay for cards that I can not use.
Product: Debt collection

I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account : Please provide me with the following : ( 1 ). Full accounting for this account : ( 2 ). Copy of the assignment of purchase from the creditor ( 3 ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( 5 ). ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) ( XXXX ). Full chain of assignments from charge off to present ( XXXX ). Proof that you own the debt with full clear title ( XXXX ). Proof that you were on the original contract ( XXXX XXXX XXXX XXXX XXXX ) & ( XXXX XXXX XXXX  XXXX XXXX ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX I was notified there I account was breached in the XXXX breach and found there fraufulant and inaccurate errors in my credit report. I filed XXXX AFFIDAVIT and was given a settlement complaint. 

I promptly notified the credit bureaus and creditors and the errorrs were removed. 

Under FRCA 1681 USC 15 and under CFPB proctection, Everything must be accurate and verified in a timely matter! My report still shows all sorts of errors and TRANSUNION and XXXX has refused to help. 

TRANSUNION and XXXX has violated my rights inputting an account that was deleted due to fraud and inacurrate info. 

THe original account was XXXX and was deleted cause it was fraud. 

XXXX XXXX XXXX has acquiired this fraudualnt account and illegally dated the account as new account opened under my name. This account removed by XXXX due to fraud but now XXXX and TRANSUNION inputted this inaccurate and blatant fraud on my report. 

This original account opened in XXXX and was deleted due to fraud but, now XXXX XXXX XXXX illegally obtained my info and reaged the account to a new opening date. This is illegal! 
XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX {$12.00} XXXX with Date of Last activity XX/XX/XXXX, how can that be possible? THis not my account and I never have had this account. 

I will sue TRANSUNION, XXXX and XXXX XXXX XXXX for fraud and violating my rights by not investigating and and verifying my info before inputting obvious inacuurate and blatant fraud! 

THIS is ILLEGAL and I have never gave authorization for the bureaus to share my info or invade my privacy, I have never had this account! 

XXXX XXXX XXXX XXXX Date of last activity is XX/XX/XXXX with date of account opening the XX/XX/XXXX That is Fraud and illegal. 

I want this account removed immediately or I will sue. This has been going for far too long and I will be reaching out a lawyer in the next 30 days if this balant violation of my rights is not rectify! 

I have enclosed my FTC ID to show the original account was XXXX and was deleted to prove that you are violating my rights! 

Remove the account or I will sue!
Product: Credit reporting or other personal consumer reports

There are several inaccuracies appearing on the consumer report I received after an update and inappropriate use of the consumers information that injured the consumer report in turn. The consumer report also contains income which should not appear on a consumer report. 1099 is attached. Also FTC report addressing other accounts.
Product: Credit reporting

I have sent Numerous notices to Experian to delete the inaccurate accounts they could n't verify or Validate to me. This is an Agreement for validation made pursuant to the Fair Debt Collection Practices Act Section ( 15 U.S.C.A. Section 1681 & 1692 et. Seq. ) These accounts are not mine & need to be delete from my credit report
Product: Checking or savings account

Im filing a complaint with the CFPB regarding capital ones failure to deposit my incoming direct deposit. Capital one has cited technical issues which violates the Electronic funds transfer act as it requires timely access to funds. Im requesting assistance in investigating into this matter.
Product: Credit reporting or other personal consumer reports

I am writing to address the significant impact that BMO Harris NA actions have had on my personal credit profile. Specifically, BMO Harris NA reporting late payments for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX has severely affected my ability to refinance. 

According to 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely related to transactions or experiences between me, the consumer, and your company, the entity making the report. The late payments you've reported are part of my payment history and are inherently tied to the transactions

and experiences between your company and me. Consequently, these late payments have negatively impacted my consumer report. Moreover, I reached out to BMO Harris NA via email on XX/XX/XXXX, to address this issue, but I received no response or action from BMO Harris. About the inaccuracies in my credit report. 

Thank you for your prompt attention to this matter.
Product: Money transfer, virtual currency, or money service

commencing on or around XX/XX/XXXX, i fell victim to a multi-layered scam operation orchestrated by Coin list ( the fraudsters or company ), with the design, development, manufacturing, promoting, marketing, distrubuting, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of client losses to gains in the equivalent of XXXX which were transferred from my wallet utilizing your services
Product: Credit card or prepaid card

I have had my discover credit card since XXXX of 2015. I used the card a lot and carried a balance most of the time. Last year I received a bonus at work, and paid off the credit card in XXXX to increase my utilization ratio, that will be good for my credit score. And low and behold, my credit score got higher by quite a lot. I have not used the card since I paid it off. I traveled to my home country ( XXXX XXXX ) as a family member got very sick with covid and I left on short notice. Ive been away for 4 months. I get back, and without any notice - I receive an email from Discover bank 2 days ago close to midnight, that my account has been closed due to inactivity. Ive been a member for nearly 7 years and never had one late payment. I called them and they were so unhelpful. Even the supervisor. Rude in-fact and just wouldnt even try to help. This will hurt my credit report tremendously as this will decrease my overall credit utilization ratio.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS COMPANY AFNI INC ORIGINAL CREDITOR ( XXXX ) IS STILL REPORTING ON MY CREDIT FILE. THIS ACCOUNT IS SHOWING AS COLLECTION BUT IS ALSO REPORTING PAST DUE.
Product: Credit card or prepaid card

I have been double billed for a transaction at XXXX XXXX from XXXX. I explained to my credit card company that I was not there during those dates and provided the necessary proof to no avail.
Product: Money transfer, virtual currency, or money service

XXXX was contacted several times over the refund of {$700.00} transfered to XXXX  XXXX XXXX account in XXXX due to erroneous transaction made on XX/XX/2021. There was no validation about the transaction by XXXX and as a result the erroneous transaction was made to the wrong account. The first inquiry was made within 14 days of the transaction and I was promised immediate resolution of the issue. However, with almost a year and confusing statements made by XXXX representatives over multiple enquiries, the refund has not been processed and XXXX has failed to initiate any contact to me over these enquiries.
Product: Debt collection

They called me again today, XX/XX/23 19 times in less than a minute.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX WAS NOT REMOVED FROM EXPERIAN ... .AFTER SUBMITTING SUPPORTING DOCUMENTATION ... IT WAS REMOVED FROM THE OTHER BUREAUS AS REQUESTED. ALSO THE CREDIT CARD BALANCE FOR THE XXXX XXXX XXXX CREDIT ACCOUNT WAS NOT UPDATED AS REQUESTED AND IT IS BEYOND THE 30 DAYS FOR THIS INFORMATION TO BE UPDATED. PLEASE SEE SUPPORTING DOCUMENTS TO UPDATE CREDIT ACCOUNT
Product: Checking or savings account

My Chase Debit Card was lost/stolen and someone used my Chase Debit Card and made unauthorized charges and transactions of {$8000.00} from XX/XX/2021 to XX/XX/2021. The charges that was made from XX/XX/2021 to XX/XX/2021 are all unauthorized charges. I reported the unauthorized charges to Chase Bank, but they still holding me liable for the unauthorized transactions. Under the Federal Electronic Fund Transfer Act ( EFTA ), my liability for unauthorized charges are {$0.00}. Chase Bank is holding me responsible and liable for unauthorized charges which is a violation of the Federal Electronic Fund Transfer Act. The unauthorized transactions are not my transactions.
Product: Credit reporting or other personal consumer reports

I am resending this complaint to TRANSUNION regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified. 

I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed.

I request that these accounts be completely removed from my credit report. Please take immediate action to delete it. 

XXXX XXXX Balance Owed : {$55.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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  XX/XX/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 XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

i am a victim of Identity theft. On XX/XX/XXXX, Credit Collection Serv erroneously published a debt in the amount of {$770.00} to the XXXX major credit reporting agencies. I called the company and spoke with a reprehensive named XXXX. He informed me that this debt was originally from XXXX XXXX XXXX XXXX insurance policy for XXXX XXXX, for insurance for XXXX XXXX XXXX. I informed Him that my name is XXXX XXXX XXXX XXXX not XXXX XXXX, and I never had a contract or agreement with Credit Collection serv or XXXX XXXX XXXX XXXX to pay {$770.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Transunion credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$1400.00}
Product: Mortgage

I have contacted nationstar mortgage regarding mortgage documentation and they have advised me that XXXX can provide me with documentation related to my property and its mortgage. copies of the Corporation Assignment of Deed of Trust and the origination of the Deed of Trust and Promissory Note as well as the Assignment of Deed of Trust. I would like to see all documentation related to this property and its mortgage from XXXX through XXXX. Upon Contacting XXXX for this documentation, they are now referring me back to Nationstar mortgage
Product: Debt collection

My information was sold and bought illegally because I was a victim of The Equifax Data Breach I want these items deleted from my credit effective report immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and equifax has done nothing. Please help me delete these illegal accounts from my credit reports.
Product: Debt collection

My husband was already Garnesh for the same XXXX XXXX bills that they are trying to sue him for right now again.. He had already paid these debts they are trying to collect again. and they was settled and paid In XX/XX/XXXX and two Ganeshments in XX/XX/XXXX. XX/XX/XXXX/XX/XX/XXXX. XXXX XXXX XXXX XXXX. of XXXX, Indiana. filed a hearing XXXX XXXX for XX/XX/XXXX For XXXX XXXX .at XXXX XXXX,. they filled on XX/XX/XXXX. the post card said XXXX XXXX XXXX XXXX XXXX XXXX . amount due on post card says not showing. case # XXXX. My home loan is paid on time how can they send me a court eviction hearing notice?. His credit report says XXXX XXXX is on his report for {$330.00} settled in XX/XX/XXXX Now those was part of a Ganeshment that they already collected from paid out to them XX/XX/XXXX. {$410.00} Settled XX/XX/XXXX. {$220.00} Settled in XX/XX/XXXX. {$600.00} Settled on XX/XX/XXXX. We due owe a {$6000.00} Hospital bill they are trying to collect with all of them bundled together. XXXX credit has already got over {$17000.00} total from us in Garnesment Wages paid in full as of XX/XX/XXXX. from his check i have papers to show they received this amount of money from his work in wages.. it was for credit card and Medical bills. his credit card debt was only XXXX dollars i have the original paperwork on that credit card debt. I also have all my copies of our old credit reports going back as far as XXXX. They call my cell phone XXXX times a day with different fake XXXX numbers. I try to call back and it says they can not except incoming calls.
Product: Credit reporting or other personal consumer reports

My XXXX XXXX has decreased by XXXX points due to data breach, causing false inquires, derogatory information and incorrect postings. My credit is good and I am never late. Something is wrong, due to the my data being used by others. Please restore my credit to satisfactory level.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation personal information not mine XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  TX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX FCRA Violation auto loan not mine XXXX XXXX XXXX XXXX XXXX  FCRA Violation credit cards not mine XXXX XXXX XXXX XXXX  FCRA Violation other accounts not mine XXXX XXXX XXXX XXXX FCRA Violation collections not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FCRA Violation hard inquiries not mine XXXX XXXXXXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX, XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX. 
Inquiry : 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

I sent Experian a complaint yesterday ( XX/XX/2020 ) and they responded today stating they took no action because they believe the complaint didn't come directly from me the disputing consumer personally. This is not acceptable and a deliberate delay tactic to stall from deleting the fraudulent false negative accounts on my Experian credit report. I have attached personal identification below to prove this is all coming directly from me the consumer. 

If Experian believes this complaint isn't coming directly from me the consumer, they must provide proof with documentation to validate this claim. Otherwise delete all false accounts from my report immediately. I implore the CFPB to help hold Experian accountable and not let them delay solving the real issue here.
Product: Credit reporting or other personal consumer reports

I have been asking for written documentation on a XXXX XXXX account that was fraudulently created under my name. I have asked for this information several times not just from your company but also from the creditor. 

You responded by saying that " VERIFIED THAT THIS ITEM BELONGS TO YOU. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM ''. 

So, I find it funny that you claim to verify the account I disputed listed below when you have NOT provided me with a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ). 
All inaccurate XXXX XXXX XXXX XXXX - account # XXXX Date Opened : XX/XX/XXXX. 
High Credit : {$22000.00} Credit Limit : {$23000.00} Last Reported : XX/XX/XXXX Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XXXX account # XXXX Date Opened : XX/XX/XXXX High Credit : {$0.00} Credit Limit : {$23000.00} Last Reported : XX/XX/XXXX Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX EQUIFAX XXXX account # XXXX Date Opened : XX/XX/XXXX High Credit : {$6500.00} Credit Limit : {$0.00} Last Reported : XX/XX/XXXX Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Your company is in violation of 15 U.S.C. 1681. Your company KNOWS for a fact that you are required under the FCRA to have properly verified the accuracy of an account listed on my credit report with physical documentation. 
I am requesting validation from you pursuant to the Fair Debt Collection Practices FCRA 611 ( 15 U.S.C. 1681I ) ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. 

Again, let me repeat, you have NOT provided me with a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ). I want this account reinvestigated.