23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit. XXXX XXXX ( Equifax : XXXX XXXX : XXXX ), Unknown Name ( Equifax : XXXX ), XXXX   XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX ), XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX ), XXXX   XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX ), XXXX XXXX XXXX ( XXXX : XXXX XXXX : XXXX ), XXXX XXXX ( Equifax : XXXX XXXX : XXXX ), XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX ), XXXX XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX ), XXXX XXXX ( Equifax : XX : XXXX : 5X XXXX : XXXX ), XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX ), XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX ).
Product: Credit card or prepaid card

Information was stolen after being thrown out of my home. Been trying to reach credit company to close accounts
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681, section 602, which states I have the right to privacy ( 15 USC 1681, section 604a, section 2 ). It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Please remove the following items from my credit report, immediately : XXXX XXXX, XXXXXXXX XXXX  XXXX and XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I noticed unauthorized inquiries on my credit report or I believe someone applied for something in my name. 
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 XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously notified Experian that I am a victim of identity theft. They're response was that I didn't give authorization, which i did because I checked off the box that asked me. so again ... I give authorization to Experian to look into this claim on my behalf
Product: Checking or savings account

SOMEONE WORKING FOR CHIME BANK STOLE MY MONEY! 
Friday XXXX XXXX text message received asking if a I made a purchase for Vivid Seats, I said no, then vivid seats called me to confirm and i said it wasnt me and they returned my funds. I called Chime ( my bank ) and cancelled my card. Then at XXXX, XXXX hours after canceling my card, I got a notification from Chime for a XXXX charge that came out of my account off of the card that I canceled hours earlier. I called chime, as XXXX on the phone at XXXX XXXX  with representative, another transaction happens again, on the card that was already canceled. Chime rep told me it could have been made before card was canceled and went through later. I had to wait til Monday to fill out XXXX fraud cases because they were pending. On XX/XX/year> I received text saying fraud on acct, a chime rep calls me and I googled number just to be sure it was chime support number. It was and spoke to rep and they said they needed to close my account and open a new one, as XXXX on the phone XXXX on my online banking and see them moving my money and my savings and credit builder being closed. I also get emails from chime that its being closed as XXXX on the phone with the representative. Then they asked me to withdraw the XXXX XXXX money, which is like credit, of {$380.00}, to put it in my checking and to transfer to the new acct. They then gave me a number to input in to send to the new account. I did and was on the phone a little longer then got disconnected, I called back and it connected me right to a chimes automated service number. I got connected to a representative and was bounced around for hours to several different people on the phone, to then finally be told that it was a scam and someone has been doing this to Chime members, that I wasnt the first. After XXXX hours of them researching and me submitting all my proof ( screenshots of emails from chime when they closed account, phone number of person who called me proving it was the chime number ), I was told they were denying my case. Even the the last person I talked to, told me that the same thing has been happening to Chime members. I received an email saying since I requested to close my acct ( I didnt, the person who called me and closed my acct did ) that since my Credit Builder was closed out with a $ XXXX, they were sending me to collections. First off, the email says I closed it on the XXXX, I didnt even talk to them that day, this all happened on the XXXX. I had {$320.00} in my savings that if they were a bank, they would of transferred that {$30.00} over before closing. If this was truly a scam like a representative assured me it was, then I should of received my money back. My savings and credit builder was physically closed out by a Chime employee on XX/XX/year> and whoever I spoke to, told me to send my money to this unknown account that was never created for me. 
Number they called me off of : XXXX Number I sent money to ( said it was new acct ) : XXXX
Product: Debt collection

I have Dispute XXXX ( ERC Collection ), XXXX Credit Card, XXXX XXXX XXXX. In XXXX 2018-present with the 3 major credit bureaus, asking them to validate the following debt, under the fair credit report act, over three times. Being that this information is not valid. I have also set letters of Validation not vertication to each collection agency, there has been no response or just a copy of bill, that is not proof that These collections are valid.
Product: Mortgage

We are currently potential buyers in a short sale with a seller-accepted offer waiting for XXXX approval. We began shopping mortgages in XXXX ( XXXX, XXXX XXXX, XXXX, & Quicken Loans ). Of those, only Quicken Loans has been calling our home several times each week with highly aggressive tactics, pushing us forward in the loan process without yet having a completed contract. I was assured on the phone that there was no cost or obligation as we moved forward. We made a {$500.00} good-faith deposit with Quicken Loans, and we were told it was refundable of the mortgage was not completed. QL went ahead and ordered an appraisal on the home -- again, without a contract. We have now been told that cost of the appraisal and credit report will only be refunded if the XXXX bank does not complete the contract, but if we choose to go with a different lender, we lose that money. When I raised an objection with XXXX XXXX, saying that there must be phone recordings, he ordered an internal investigation, returning, " My Client Relations team reviewed the calls and confirmed that the proper expectations were set regarding the deposit. '' I replied requesting access to the phone records, and then received a call from XXXX XXXX " from the Executive Office at Quicken Loans. '' She refused to share the phone records. ( She did n't quite seem to understand that a secret internal investigation inherently has no integrity ; she kept assuring me of *her* integrity. ) I want to be able to review the phone records of my conversations with XXXX XXXX and XXXX XXXX in order to say definitely whether or not I was lied to on the phone, misled by missing information, or if I was careless. 


XXXX XXXX | Senior Purchase BankerDirect : ( XXXX ) XXXX | Toll Free : ( XXXX ) XXXX XXXX : ( XXXX ) XXXX | Fax : ( XXXX ) XXXX | NMLS # XXXXXXXXXXXX XXXX XXXX | Senior Purchase SpecialistDirect : ( XXXX ) XXXX | Toll Free : ( XXXX ) XXXX XXXX : | Fax : ( XXXX ) XXXXXXXXXXXX XXXX ( " from the executive office '' ) XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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. 

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 XXXXXXXX : # 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 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

Received  XXXX  calls from  XXXX .  XXXX  Messages were left from " the   XXXX   XXXX  ,   XXXX   XXXX    from   XXXX   XXXX   XXXX    ''. They were attempting to collect a payment of {$760.00}. The female   (   no name ) that I spoke with said that  Insight Capital LLC  was about to sue me due to an unpaid old debt. She could not give me a specific date that the debt was incurred. When I requested the name of the company, they said  Insight Capital LLC . When I asked for a specific commercial name  (  brand name ) used for where the debt was incurred, they rattled off a list of multiple pay-day-loan company names. When I requested written notification, they said that notification was already sent to  a street  name ( no full address ) that I have not lived in since   XXXX  . They said they also attempted to contact me via an email address I have not used is more than  XXXX  years. She " spoke '' with a lawyer  XXXX  times at offered an immediate pay off of {$500.00}. I said I would need to call back next week, then said I could not end the call otherwise the claim would be submitted to the court (    XXXX   XXXX   XXXX  /No s pecific court house ). During the call I looked up the company name "  Insight Capital LLC  '' and saw that there was debt scam information tied to the name. I attempted to end the call and she tried to convince me to send a small amount of the payment {$100.00} and then I could pay the rest next week.   When I refused, she warned me that I would be served legal notification by police officers soon. I am concerned because I confirmed by DOB and last  XXXX  of my social with her. I am concerned that an unverified debt will be added to my credit report as other people who complained said has happened to them.
Product: Credit reporting or other personal consumer reports

Request to Correct and Delete Personal Information Dear Experian, I am writing to inform you that I believe my personal data may have been compromised or leaked. As a result, I request that you update and correct the personal information on file with your bureau.

Here is the correct information that should be on record : Full Name : XXXX XXXX Cell Phone Number : XXXX Address : XXXX XXXX XXXX, XXXX XXXX, MD XXXX Employer : XXXX XXXX Furthermore, I request that all other personal information that is not listed above be deleted from your records to protect my privacy.

Please confirm receipt of this email and provide me with a status update on the actions taken regarding my request. I understand that you may need to verify my identity, so please let me know if you require any further information or documentation from me. 

Thank you for your prompt attention to this matter. 

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

The company is LexisNexis. My case number is XXXX. They sent me a letter with a pin code to access my report. It is not being recognized by their automated system. I tried to fill out the required info on their automated system only to be rejected. I tried to speak to an agent by selecting the prompt when asked. It terminated my call. This happen several times. I find LexisNexis of XXXX, XXXX to be willfully evasive.
Product: Credit reporting or other personal consumer reports

I was dealing with only one account that's in question on my Credit Report. i don't know where did they get this information and why they furnished this on my files. 

XXXX XXXX XXXXXXXX Account # : XXXX I have been raising and escalating this to Consumer Reporting Agencies on multiple occasions and I haven't received any updates from them until now.
Product: Mortgage

XXXX made an error ( posted some payment we did not make and then reversed it PLUS {$400.00} that left our account short due to no fault of our own ) on our account that pushed us into default ; though, we've never missed a payment and did not know of this since XXXX never sent statements. They sent us to Specialized Loan Service, which is a collection agency, and they are now threatening to foreclose if we don't pay {$1700.00}. We didn't make the error ; still have not missed a payment and don't believe we should pay for XXXX 's error that messed up our account in the first place.
Product: Debt collection

This company calls me 3-5 times per day using a list of unknown numbers instead of a clearly specied number that identifies it as the actual caller. 
I have a debt that I'm paying directly to American Express, and they continue to call.
Product: Payday loan, title loan, personal loan, or advance loan

I have a construction Loan from TD Bank. The first inspection company claimed work was completed and the builder was paid for work that was not completed. A new inspection company XXXX. XXXX has taken over. Again plumbing work was not completed and correctly done. They have incorrectly authorized payment to builder. I am required to be there for the inspections yet I was not notified. The foundation sub contractor and the builder had a disagreement. This resulted in 100 yards of earth left on my property at a cost of {$40000.00} to remove. Cement work has been listed as 85 percent complete. It should be 50 percent. I have no backyard cement or front sidewalk done. I have sent many emails to XXXX XXXX my " Construction Specialist '' at TD Bank. I have asked for a phone number to XXXXXXXX XXXX XXXX and she has refused. I have also her for her next higher level and she has refused to give it to me. I only email her and it is like Emailing a Robot. The builder XXXX XXXX is corrupt and always fighting with his subcontractors by not paying them promptly or properly. The loan started XX/XX/year> and now almost 2 years later TD Bank construction Loan Dept is trying to close out the project of my family home and leave me out in the street.
Product: Debt collection

The first national collection bureau has been calling me repeatedly for days now, they are n't leaving any messages, or contact information. They have NOT sent me any information by mail, and have not verified the debt they are attempting to collect.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

Please refer back to complaint number XXXX-XXXX  where you say my identity did not match your records which I know to be untrue. Attached is an updated utility bill, ssc and copy of my Driver 's License. Please see documents attached under complaint id XXXX-XXXX. Please open this investigation and remove all the accounts listed under disputes due to passing the timeframe of the investigation and this stall tactic.
Product: Debt collection

XXXX is reporting that I have an outstanding balance owed to HSBC Lending for {$11000.00}. I have contacted XXXX to contest the debt ; requesting a copy of the original finance contract ( displaying my signature ), a detailed explanation of charges that constitute the {$11000.00} debt they say I owe, and the account history of this account showing any records of payments that HSBC received. So far, XXXX has not supplied me with any of the requested documentation. It is my right under the Fair Debt Collection Practices Act to request this information, and unlawful for XXXX not to supply it, upon request.
Product: Credit reporting or other personal consumer reports

Re : Demand for Removal of Late Payments and Collections Due to Identity Theft/ Data Breach under FCRA ( 15 U.S.C. 1681 ) and FACTA 605B To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of late payments, collections, and debt collections on my credit report related to the above-referenced account ( s ). These derogatory marks are a direct result of identity theft, following a data breach that compromised my personal information, including my Social Security number. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( 605B ) and related statutes, I demand immediate correction of these inaccuracies.

A breach of my private data constitutes identity theft under federal law, and it is your obligation to cease reporting any information that was the result of fraudulent activity. You have no legal basis to continue reporting these negative items on my credit report as I have not authorized these transactions. 

Under 15 U.S.C. 1681, I demand : 1. Immediate removal of all late payments, collections, and any debt-related information falsely attributed to me.

2. Correction of all payment status information to reflect Paid as Agreed or similar verbiage, erasing any mention of delinquency. 
3. Confirmation in writing within 30 days that these inaccurate entries have been deleted or corrected on my credit report. 

If you fail to comply with this demand, I am prepared to escalate this matter by filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and any other relevant authorities, as well as pursuing legal action for damages under the Fair Credit Reporting Act. 

I expect your immediate attention to this matter and full compliance with the law. Failure to act promptly will result in further action to protect my rights under federal law..
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX  and Transunion should not be reporting a collection/chargeoff in the amount of {$2500.00} on the XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) This collection is now being handled at a law firm and should not be reporting. This is a violation of the Fair Credit Reporting Act. This continuing to report a collection/chargeoff is seriously harming my credit  score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/XXXX I was alerted to a new credit inquiry that was not mine. I called them on XXXX XXXX and they said the application has been reported fraudulent. The issue is the address the fraud used to initiate the application is from a state ID that expired on XXXX XX/XX/XXXX so they shouldnt have been able to use it at all.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : 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 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 TransUnion - Tied to an open account ( Auto Loan )
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Social Security Number : ( XXXX ), Date of Birth : XX/XX/year> Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX Equifax XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of many incorrect inaccurate accounts These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  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. 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.