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

This is the 2nd Time that I have complained on the 3 major credit bureaus XXXX, XXXX, and Equifax. I've submitted the inaccurate information that continue to harm my credit score as well as chances of becoming a first time home buyer because the credit bureaus are allowed to ignore the ( FCRA ) and the laws In place to protect the consumers from exactly what's happening right now and according to 15 U.S.C. 1681 et seq. 
The nations three largest credit reporting agencies Equifax, XXXX and XXXX are required by law to do everything in their power to accurately gather and report consumer information. 

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
Product: Credit card

Attached is a letter from XXXX XXXX  for proof of payment of my closed Synovus First Digital credit card account. My closed First Digital credit card account balance is paid in full. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, XXXX : XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name XX/XX/XXXX# XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXXXX/XX/XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XX/XX/XXXX XX/XX/XXXX
Product: Debt collection

I HAD RECIVED A COLLECTION NOTICE DATED XX/XX/2018 FROM XXXX XXXX XXXX XXXX, FOR THE AMOUNT OF {$1200.00} AND IS OFFERING A HALF PRICE TO SETTLE WITH THEM. 

I DO NOT RECONIZED SUCH OUTSTANDING DEBT. 

WHEN I CALLED THE COLLECTOR, A LADY FROM XXXX PICK UP FROM THE OTHER END KNOWS MY NAME AND STARS TO ASK PERSONAL DATA FROM ME. AFTER I CONFRONTED HER I DO NOT RECOGNIZE SUCH ACCUSATION AND THAT I WILL ALSO MAKE A COMPLAINT TO FDCPA, THE LADY THEN CHANGE HER STORY AND JUST HUNG UP.
Product: Debt collection

On XX/XX/XXXX I noticed on my XXXX  and XXXX  credit reports a completely invalid debt from Wakefield and Associates. As per my credit report this illegal debt is from XX/XX/XXXX. I feel that this account is adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have filed a complaint with the FTC and XXXX  because to my knowledge I do not recall any of this account. I need this problem fixed ASAP. I will not wait another 50 days to receive no response because clearly I am being ignored. I demand this account be deleted immediately or I will file for litigation due to the stress I have been caused. Section 611 ( a ), it is plainly stated that a failure to investigate this item within 30 days gives a reason to immediately remove said item from my credit report it has been 50 days so they should be deleted promptly.
Product: Credit card

I had a reward card for numerous years. I had built up a substantial rewards balance on the card. This card was usually always paid off monthly. The charges were substantial. As the result of losing a contract and closing a business with XXXX locations I was forced to file chapter XXXX protection. There was no balance on the credit card company, in fact a small credit balance. Immediately on filing chapter XXXX the credit card company closed my account and said I forfeited my rewards points. This feels like fraud to me and very unethical. The card was used, they made their money on the businesses, I owed them no balance. This was over XXXX points. I 've spoken with the company and XXXX different customer service reps and told the same thing that I forfeited the points. If this is legal then it should be made illegal as its certainly unethical.
Product: Checking or savings account

After receiving phone calls, mail and email indicating that there were accounts opened in my name that held balances I ordered credit bureau reports in response. I have also been banking with XXXX XXXX XXXX XXXX   for more than five years with a good banking relationship and initiated a new savings account and was declined. The Bank Manager and I were alarmed so I also ordered a checking account report from ChexSystems and other reporting systems. I discovered that multiple accounts were opened and were in operation for some time. I have spent the last 18 months taking XXXX treatments and have had XXXX   XXXX  and I do not use credit. My home was previously burglarized at my former address at XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I suspect one of my tenants was responsible. I also suspect suspect that Mr. XXXX XXXX XXXX who lived in the basement of my current home at XXXX XXXX XXXX may be responsible as well. The following accounts were fraudulently opened : 1. XXXX XXXX XXXX - XXXX 2. XXXX XXXX XXXX - Uknown 3. XXXX XXXX XXXX ( partial ) 4. XXXX XXXX XXXX XXXX ( partial ) 5. XXXX XXXX XXXX - XXXX 6. XXXX   XXXX XXXX - XXXX 7. XXXX  XXXX XXXX - XXXX 8. XXXX  XXXX XXXX XXXX 9.  XXXX XXXX XXXX - Unknown 10. XXXX XXXX XXXX Checking Account XXXX ( partial ) 11. XXXX XXXX Chekcing Account XXXX ( partial ) The following are attempts to open bank accounts in my name : Fraudulent Banking Activity : The following were attempts to open accounts in Mr. XXXX name currently showing as inquries : 1. XXXX XXXX XX/XX/XXXX ; 2. XXXX XXXX XX/XX/XXXX ; 3. XXXX XXXX XXXX XX/XX/XXXX ; 4. XXXX XXXX XXXX XXXX XX/XX/XXXX ; 5. XXXX XXXX XXXX XXXX XX/XX/XXXX ; 6. XXXX XXXX XXXX XXXX XX/XX/XXXX ; 7. XXXX XXXX XXXX XXXX XX/XX/XXXX ; 8. XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX ; 9. XXXX XXXX XXXX XXXX XX/XX/XXXX ; 10. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX ; 11. XXXX XXXX XXXX  XX/XX/XXXX ; 12. XXXX XXXX XXXX XXXX XX/XX/XXXX ; 13.  XXXX , XXXX . XX/XX/XXXX ; 14. XXXX XXXX XXXX XXXX XX/XX/XXXX ; 15. XXXX XXXX XXXX XXXX XX/XX/XXXX ; 16. XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  -XXXX XXXX   XX/XX/XXXX ; XXXX XXXX/XXXX XXXX XX/XX/XXXX ; XXXX XXXX/XXXX XXXX XX/XX/XXXX ; XXXX XXXX/XXXX XX/XX/XXXX ; XXXX XXXX/XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX/XXXX/XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX/XXXX XXXX XX/XX/XXXX ; XXXX XXXX/XXXX XXXX XX/XX/XXXX ; XXXX XXXX/XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX/XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Subject : Request for Removal of Outdated Addresses from My Credit Report Dear CFPB Representative, I hope you are doing well. I am reaching out to request assistance in having outdated addresses removed from my credit report. These old addresses are no longer associated with me and serve no purpose on my report. Unfortunately, my attempts to resolve this directly with the credit bureaus have been unsuccessful. 

The outdated addresses in question are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq., credit bureaus are required to maintain accurate and up-to-date information on consumer credit files. Retaining outdated addresses increases the risk of confusion, potential fraud, or identity verification issues. 

I kindly ask for your assistance in ensuring that the credit bureaus update my file accordingly. My current address is showing correctly, I assure you that these old addresses are no longer valid. 

I appreciate your time and help in resolving this matter, and I look forward to your response. Please let me know if any further information is needed. 

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

According to the Fair Credit Reporting Act 15 USC 1681 ( a ) ( 4 ) XXXX has determined that " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. XXXX and Transunion are reporting agencies and I am the consumer, it is my right as a Consumer to ensure that my private information isn't shared. My right to protect my privacy is upheld by Congress under 15 USC 6801 which states clearly, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX is a financial institution by definition under 15 USC 6801. 15 U.S.C. 1681b 604. ( a ) ( 2 ) Subject to subsection ( c ), indicates that any consumer reporting agency may furnish a consumer report under the following circumstances and no other In accordance with the written instructions of the consumer to whom it relates. XXXX XXXX XXXX XXXX nor XXXX reporting agencies Transunion or XXXX have any written instructions from me nor do they have my expressed written consent to furnish my consumer report. 
15 USC 1681C ( a ) ( 5 ) states that except as authorized under subsection ( b ), 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 XXXX years. 
XXXX continues to report XXXX bankruptcies on my credit report these bankruptcies are adverse items which they continue to report without my permission which is against the law. 15 U.S. Code 1681 s-2 ( A ) ( 1 ) states clearly that " 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 '' 15 U.S. Code 1681 ( e ) ( a ) states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.

According to 15 U.S Code 6802 ( b ) ( c ) " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unlessthe consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option '' XXXX XXXX failed to give me the opportunity, before the time that such information was initially disclosed, to direct that such information not be disclosed to such third party. 
XXXX and Transunion are not maintaining reasonable procedures.
Product: Credit reporting or other personal consumer reports

I filed an Identity Theft with my police report of my claim on XX/XX/XXXX. Today is XX/XX/XXXX, over 19 days. Per The Fair Credit Reporting Act ( FCRA ) all information reported as identity should be Blocked from reporting on my credit report. Credit bureaus must block reporting of information in filed in my claim resulted from identity theft within four business days. The updates I received stated they have 60 days to respond. It's day XXXX and they law states they have 4 days! They are in violation and I have all of my submitted proof and so do you. Please escalate this matter immediately to delete all of the reported accounts that were reported that are not my accounts. 

Below are the compliant numbers submitted on XX/XX/year> : XXXX XXXX XXXX XXXX XXXX XXXX Equifax I will also re attache my Identity Theft report and my police report in case it was lost.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. 
Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX XXXX Account Number : XXXX Reason : It is deeply disheartening to see that this account is being inaccurately reported as a charged-off account with a balance due. This mistake is unjustly affecting my financial standing. Please provide clear evidence of the charge-off or correct this by updating the balance to {$0.00} or remove the negative payment status associated with this account. 

Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Reason : Its disheartening to see missed and late payments being reported on this account. I never imagined my history would be clouded by such claims. Please provide all statements and records of every payment Ive made and missed since opening this account. I need clarity, and I hope this can be resolved fairly. 

Account Name : XXXX Account XXXX : XXXX Reason : Its troubling to see this account inaccurately showing XXXX late payments. According to my XXXX report, there is only 1 late payment being reported. These inconsistencies weigh heavily on me, and I hope you can correct this error, so my record reflects the truth. Please help me resolve this. 

Account Name : XXXX XXXX Account Number : XXXX Reason : I never entered into any agreement with this debt collector for any debt. Its disheartening to see my name tied to something I dont recognize. Please provide proof from the original creditor that this debt collector owns the debt and has the legal right to collect it. If no such proof exists, I ask that you delete this account. This weighs on me heavily, and I need this to be made right. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : It is deeply disheartening to see that this account is being inaccurately reported as a charged-off account with a balance due. This mistake is unjustly affecting my financial standing. Please provide clear evidence of the charge-off or correct this by updating the balance to {$0.00} or remove the negative payment status associated with this account. 

INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Ive done everything I can, but these inaccuracies still cling to my credit report like a shadow. Ive reached out, Ive provided proof, but nothing changes. Please investigate thoroughly. I just want my report to reflect the truth so I can finally move forward. Im exhausted I just need a chance to breathe again.
Product: Credit reporting or other personal consumer reports

I have a collections that is beyond the statute of limitations. I have an email from the creditor stating such. The credit beareau has ignored 3 disputes. I have tried to send the email but they ignore it, I get no response. The email states the debt is too old to sue me. And in my state the limitation is 6 years to sue AND collect. So if you can't sue me, you can no longer collect. It should be removed as an active debt.
Product: Debt collection

My wallet was stolen and with that someone ordered a cell phone in my name. I never sign a contract with the company or with sunrise credit services.
Product: Credit reporting

I have not been able to obtain a report from Equifax due to them being unable to verify me. I have obtained my report XXXX. They have incorrect information. They have a previous address as XXXX XXXX XXXX XXXX NJ XXXX. I have never lived at this address. They have employers as XXXX XXXX, Nevada XXXX, XXXX and I have never worked at either of these. I have worked for XXXX, XXXX XXXX, and XXXX. They have XXXX XXXX Bank reporting XXXX as BKXXXX duplicated and unknown status. These are incorrected and I have not had loans with them. The Bankruptcy from XX/XX/XXXX is to be removed. It has been over 7 years. Finally they have Collection accounts reporting that I am disputing them but have not removed them. XXXX XXXX XXXX {$540.00} & {$250.00}, and XXXX {$620.00}.
Product: Credit reporting or other personal consumer reports

I was a victim of a data breach and identity theft because of XXXX, Transunion, and XXXX, credit reporting companies and I contacted these companies to get these charges off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/XXXX - Placed order XX/XX/XXXX with XXXX XXXX XXXX  using XXXX at check out. 
Purchase Total XXXX XX/XX/XXXX - Received Product the week of XX/XX/XXXX Product was not as described Called XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX CA, XXXX, XXXX to request a refund and return the product I was given permission via phone to return the product Informed XXXX  online that product was being reurned XX/XX/XXXX - XXXX XXXX XXXX received product and accepted reurn via XXXX XX/XX/XXXX and ongoing : Harrassed from XXXX for payment for a product that I have returned. XXXX placed account into collections. Informed XXXX and credit bureaus that item has been returned. Shown proof of return product with XXXX. Have made attempts with all parties to rectify the problem. Despite showing proof of refund all companies continue to fraudently state that money is still owed and continue to slander my name. 

XXXX Truth in Lending Disclosure ( Contract ) states that all returned goods proceeds goes directly to the loan holder on my behalf
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is placing extra accounts on my credit report and reporting a accounts that are not validated with notarized documents. I have requested notarized copy of information and these accounts are no legit. However, they refuse to do so and the credit agencies are reporting this information, so both will be suited. By the attorney that sued XXXX for XXXX XXXX dollars. This case was win in Oregon! Since the credit agencies want to support information that is not true and even when you have shared documentation with them. 

I have retain a attorney at this point and would like the all documents support this debt, so they name can be introduced into the LAW SUIT. Credit Act states I have the right to know the following : 1. Who was involved in this investigation names, telephones numbers, of each person involved in the procedure.

2. Provide dates and times for the investigation 3. A description of the procedure used to determine this accuracy. 

XXXX is already in deep legal issues when it come to this account as XXXX and XXXX have created acts of forgery.
Product: Credit reporting or other personal consumer reports

My information has been stolen and used whom ever stolen my information they have use it illegally to apply for credit card acts with many financial institutions. : These is all unauthorized inquiries : 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 These illegal inquiries is reported illegally on my XXXX report XXXX, Equifax, and XXXX reports and must be removed asap. also my XXXX report has many errors including a date of hirth of XX/XX/1984 which is inaccurate and must be deleted because my Correct dob is XX/XX/1984. also my XXXX has many addresses which is all inaccurate. my only correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX this illegal information must be inaccurate and must be deleted because my Correct dob is XX/XX/1984. also my XXXX has many addresses which is all inaccurate. my only correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this illegal information must be deleted from my credit report under section 15 U.S Code 16815- 2 ( B ) or the fair credit reporting act. pursuant to section 15 U.S. Code 16815-2 ( B ) of the Fair Credit Reporting Act, Stating Information alleged to result from identity theft If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct.

And and send the required notifications to all furnishers of this information.
Product: Credit reporting or other personal consumer reports

This address XXXX XXXX XXXX XXXX NJ XXXX dose not belong on my credit report and needs to b e removed immediately
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I transferred {$390.00} dollars from my XXXX account to my M & T bank account like I have done many times in the past except this time it never showed up in my M & T bank account. XXXX charged me {$4.00} for the transfer to be instant but I never received my money. XXXX performed numerous traces on the transaction but every time they came to the same conclusion that the money went to M & T bank and thats all they can tell from their end. XXXX says M & T bank must of put the money in someone elses account. XXXX gave me a tracking number and said the bank could use it to find my money but the bank said that number was useless to them and they didnt know what happened to my money. I made several phone calls to them and they were less than helpful. Nobody at the bank really even tried to help me.