23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding my personal credit record. After examining my credit report, I noticed inaccurate late payment entries. I sent correspondence to address this issue more than 30 days ago, but have not received any response or adequate validation of these entries. I am seeking your assistance to rectify this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items are inaccurate on my credit report and are causing me stress. I would like them to be removed because these accounts are affecting my credit reporting in a major way and at the same time are costing me thousands of dollars every year. I am listing the inaccurate accounts below and also will be attaching the letters I sent out before filing this complaint. 

1 : XXXX XXXX ACCOUNT NUMBER : XXXX this account is inaccurately reporting to my credit 2 : XXXX XXXX ACCOUNT NUMBER : XXXX This is account is also inaccurately reporting to my credit profile. 
I would also like to add that I have filed a complaint with the federal trade commission and the better business bureau because these accounts are not mine and are reporting to my credit inaccurately causing me stress and money. 
my FTC report # is : XXXX
Product: Checking or savings account

Hi my name is XXXXXXXX XXXX  I had open an account with Navy Federal Credit Union been a Year and half now. My father was an XXXX XXXX and I had open and account with my father death certificate his social number on it and my Social Security number my ID Card in XXXX, XXXX  and the one I email there XXXX. I faxed them my account information with a code number and they ain't contact me in XX/XX/XXXX. And I faxed again to there department on XX/XX/XXXX have receipts proof well it all started a bank teller that customer service when I called there number alot times she put the wrong code in the system a young lady done that to me and I been having direct deposit from my Social Security Income and they send my money back and no letter in the mail and I even spoke to an Managers four times even yesterday. I called this number XXXX and I been getting where they got my XXXX ID card I send them twice and they have my Old XXXX, XXXX  Social Security number even a police report that my Identity Theft happin to me and the customer service said to me she said that they ain't help me at all and I send in to much to there department. I asked to speak to an General Manager and not never let me speak to no XXXX at all since that lady mess up that checking account I had and never mailed me a letter that the account was closed I even send some information to the Federal Trade Identity Theft department and what going on to I really want to let this place know what they have done to me my money went direct deposit and they send back to the Social Security Administration place back to XXXX XXXX  to and I have bills over u got pay and never got a call at all by no Supervisor and General Manager at this Navy Federal Credit Union they what stealing my Identity Theft I mean this and I am going XXXX this Bank mean it my father is deceased been since XXXX and I never knew I will be done again by this kind bank that do XXXX, XXXX, Military peoples and family well my dad was in the XXXX XXXX XXXX, and two other Wars for United States Of America he was retired before he passed away I want to let this place what they have done to me and never gotten letter why my account was closed and it's there faught what that young lady done to me over the phone I got her name and date time when she done that to me and my money that I done a issues went on never got my money back in that account either with my debit card to at am Hotel where I did an disputed about and over charged to never got my {$100.00} back at all. Now my money going be returning and my bills is all behind.
Product: Credit reporting, credit repair services, or other personal consumer reports

please check the following accounts that were reported on my credit report without any authorization, they do not belong to me Identity Theft KOHLS/CAPONE Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  Account Number : XXXX This is not mine. 
Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

For the last XXXX months I've requested equifax to work with me about my information stolen through their data breach. Equifax refused to acknowledge my claim, and for the last XXXX months, telling me I am not eligible for any settlement and that my data haven't been breached. I attempted many of time to depute for the last XXXX month to have them remove all items thats not Mines. Instead, they won't help unless I give them my Social Security Number in which I warned them that the law say never to give Social Security number to no one as writting in the book, and reminded them there's other ways to verify me so I can get this issue if identity theft over with. As always I feel they are the ones sharing my personal information that leads to me bank account monies missing and unwanted telemarketers calling. They claimed my address, name, and all information i gave them was wrong and they can't help me. This has been a routine all these months. And just as I figure, I was right about being a victim of their data breach, as I have proof through ( Federal Trade Commission ) website showing im part of the breach. Not only that, after giving them my Social Security Number after they claim not to be able to verify me this last time ( They have shared my information once again, having countless of phone calls coming to my phone from foreigners and telemarketers. All this started the day after, farther proving they are still selling me information cause me and my family danger and harm, even after placing my credit report on Freeze and locked. They continue to remove me Freeze and locked report. And claim for the last months that I never had my file froze, which they are the reason I started freezing my reports in the first place. Everything about equifax is a scam and I dont want them having my information as they have caused me to much harm and to many lies about what's really happening amongst them all about selling data. 
I want to file a claim for them lying refusing to acknowledge me as a victim & not locking and freezing my reports claiming that all the 100 times of contacting them never been about the dats breach. And to refuse to correct and update my information as I have a right, and for them not removing all items thats been placed on my credit report. And for them not allowing me to be apart and file claim on settlement payment payout throughout the settlement process. I want no parts of Equifax and have asked them over and over to no sell my information, and to lock my reports as they have refused to do so. 
1. I want all items removed as I requested removed 2. I want them to file identity theft claim, and fraud claim.

3. I want to receive free monitoring of my report as FTA & Fair Credit Report Act show I am entitled to do to data breach and identity theft 4. I want my data breach payment they say im not entitled too & refused to acknowledge 5. I want 24/7 access to my reports online, as they have blocked me from accessing 6. I want my data protected and not shared
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize this account and have never had a debt with this creditor. I do not know where they came from. Maybe you are mixing up this account with someone that has a similar name as me. Also, I have no idea of any of these inquiries. Please investigate incorrect information.
Product: Checking or savings account

A fraud hold was placed on account for a check that was deposited the got returned in XX/XX/2020 We thought we had the matter resolved with the bank ( keybank ). We received a government direct deposit, when to pull the funds out and was told there is a fraud hold on account. We waited 3 hours for them to figure out what was going on and for them to remove fraud hold and release our funds to us. This was in XX/XX/XXXX. We were told that the account was back in regular standings. Now here we are XX/XX/XXXX and received another government direct deposit and our account still has the same hold and they are preventing us from withdrawing our funds. We have been at a branch location for 4 hours and still no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$2400.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian responded to my original complaint of fraudulent account opened in my name today XX/XX/2018. In there response they stated that they have removed and blocked all the fraudulent accounts on my report. However, this is not true Experian is still reporting several items on my credit file that are fraudulent. I have included them below. 


Fraudulent Accounts 1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

IC Systems reached out to me regarding two accounts one being XXXX, and XXXX on XX/XX/2022. They spoke to me about these accounts and we agreed that If I make a lump sum payment, IC Systems will remove all negative information from my credit file associated with the debt. We agreed to settle Account XXXX where we agreed that I would pay {$270.00}, for account XXXX we agreed that I would pay {$85.00}. On XX/XX/2022 I kept my end of our agreement and hoped that IC Systems would do the same. However as of Today XX/XX/2022 IC Systems is still reporting negative information regarding this account. According to the FDCPA has a strict list of laws that Debt Collection agencies must follow and IC Systems is violating the law by misleading me as to what I was paying for. At first I believed that this may have been an honest mistake on their behalf. However I submitted a dispute with the Bureaus and they wrote me that IC Systems allegedly " verified '' this. The call that the agent and I had on XX/XX/XXXX notates that I agreed to give IC systems a lump sum of money in exchange they would remove all negative information from my credit file. If IC systems is not going to keep honor our agreement I need to be refunded {$360.00} immediately.
Product: Credit reporting or other personal consumer reports

I'm experiencing distress, dissatisfaction, and XXXX  concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments. I haven't missed any payments, and I urgently need your assistance in resolving this matter.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX Account Number : XXXX XX/XX/XXXX Reason : I don't recognize this account Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) Account Number : XXXX XX/XX/XXXX Reason : Unverified account Each account has a different date that was open on each Credit Bureau
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the Experian and Equifax 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 : LIST OF ITEMS TO BE REMOVED XXXX XXXXXXXX BALANCED {$620.00} XXXX XXXXXXXX BALANCED {$310.00} XXXX XXXX XXXX XXXX BALANCED {$1100.00} XXXX XXXX XXXX XXXXXXXX BALANCED {$40000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX BALANCED {$380.00} CREDIT COLL ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX BALANCED {$400.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX BALANCED {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX BALANCED {$0.00} XXXX XXXX XXXX BALANCED {$930.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX These Items 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 # ( private case number ) 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: Credit reporting or other personal consumer reports

On XX/XX/2023 a letter was sent to TransUnion, XXXX and XXXX to remove inaccurate personal information and any errors from my credit report and it is now XX/XX/2023 which they have not removed anything the incorrect information is still currently on my credit report
Product: Debt collection

They keep calling me and asking for somebody else who is y father I keep telling them they have the wrong number and still call me and leave me voicemails then they call other numbers looking for h dad and telling them they are going to take legal action they also call other family members which is not right this XXXX XXXX is calling and will call my uncles house!
Product: Credit card or prepaid card

CFPB!!!! I desperately need your help as this is about to go on for almost 3 years now. I have filed several complaints and no one seems to have answers and I am still waiting to get my fraud claim reviewed or get any answers from Bank of America. I am also very shocked that this bank has NOT pulled any calls since I initially opened my fraud claim back In XX/XX/XXXX. As I previously stated in prior complaints, my account was charged for 1 XXXX charge, which has been credited but there was also several charges to Element Colors for a total of 26, for the total amount of {$2500.00}. All of these charges are FRAUD that I did not make!!!! I have not received any response from Bank of America whatsoever. I did call them a few months ago and the agent by the name of XXXX - XXXX Id : XXXX stated that the claim is still open and is with the XXXX XXXX since XX/XX/XXXX. He said they opened a ton of claims that were closed with no investigation and this situation fell into that. Why was I not notified of this!!! A few days ago, I received an email saying its not too late to file a claim. Are they joking! I am not calling any longer. Every time I call its the same story and they cant figure out what is going on. I asked for managers and they always tell me they dont have an escalation queue or supervisor. CFPB, I am done talking to this horrible bank. I want you to do a through investigation and ask for calls that go back to XX/XX/XXXX to present. I also want to know why these 26 charges from XXXX were not included with the XXXX fraud claim. Pull the calls and you will clearly see I did file the fraud claim. Second, please have this bank send me a check for all 26 fraud charges from Element XXXX in the amount of {$2500.00} and compensation for all of the hardship I have encountered. 

Also the agent did provide Claim number XXXX. 

PLEASE HELP ME!,,,
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter requesting disputes with Equifax for information that wasn't mine on my credit reports. I gave them over 30 days and they still didn't respond. I would like them to remove these items as they are in violation of the Fair Debt Reporting Act. It was signed for on XX/XX/2021. The certified mail piece number is XXXX.
Product: Debt collection

Midland credit management recently filed an case against me. They failed to provide debt verification info pertaining to debt owed and or amount. I have no relationship with midland or valid contract. They are sending mail luckily Ive retrieved from an old address I havent lived at in 2 years. They have violated debt verification letter failing to meet 30 day mark by pursuing attempt to go to court.
Product: Debt collection

The apartment was discovered to have mold in it after I had it tested by several mold lab testing companies. I informed the apartment complex about the mold but they refused to remedy the mold and denied the existence of any mold. Every surface in the apartment was repainted over ( including inside all the drawers in the bathroom and kitchen, even the pantry ). Therefore I have reason to believe the complex was aware of the existence of mold and was attempting to cover it up. Because the complex did not remedy the health hazard, my health deteriorated and resulted in a collapsed XXXX and breathing problems which caused me to miss several days of work and wage loss. I notified the complex of my intention to move out early because they refused to remedy the mold and the apartment has now become a hazard to my health and I was within my rights to do so according to the XXXX XXXX XXXX. I gave proper notice and was met with retaliation and threats to ruin my credit, deleting my maintenance requests and refusing to fix anything, etc. The complex also engaged in discrimination against me ( see evidence attached ). I have reason to believe the threat to ruin credit was done so in retaliation because I submitted a formal complaint to HUD over the discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, NY XXXX, and XXXX XXXX XXXX XXXX Date Opened : XX/XX/2009 Balance : {$0.00}.
Product: Debt collection

Under Fair Debt Collection Reporting Act is to know what this is for, account number, dates, etc. as well as how to dispute the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still many items to be corrected. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX  XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

XX/XX/2023 I tried using my e-cardit to buy something on line and it will charge {$0.00} to the card and when you look at the card balance it states pending then when website says there is an error on the card and wont let me complete the transaction. 
I have called Amex and they say to try another time. I have done this and it will not work.
Product: Mortgage

I wish to file a complaint against OCWEN Mortgage for obviously stonewalling on my application to short sale my condominium located in XXXX, California. The required documentation had been filed in early XXXX 2015 by my Broker, XXXX XXXX, who obtained a buyer for my condo ; however, since then OCWEN had been trying to delay actions by asking for updates and other requirements that have already been submitted. The latest is now they are asking for a resubmittal of documentations simply because they should be brought up to date. I believe OCWEN 's actions are highly suspect, to say the least, and needs to be investigated for any violation of law regarding to short sale transactions. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, XXXX fraudulently opened a {$500.00} credit builder PLUS loan in my name. I was not aware of this account until it was negatively reported on my credit reports on XX/XX/2020. I have contacted them and even paid the fraudulent loan off to protect my credit as my condo burned down and I am buying a house. I have filed complaints not only with XXXX  but with the FTC and the police. I submitted all documentation to both the credit bureaus and to XXXX but they refuse to remove the fraudulent account, let alone update any credit reporting. 

This has taken a huge hit on my credit and my mortgage was denied because of this illegal and fraudulent account. They refuse to correct this injustice and I am prepared to take this to court.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just recently checked my credit scores and noticed some hard inquiries I dont recognize all the companies are in the attachment
Product: Debt collection

I do not recall this account. When I called the collection agency. National recovery agency They told me It was a loan taken in XXXX for XXXX XXXX. I asked them to send me paperwork or email it to me they never did. I talked to XXXX  and they told me It was delinquent in XXXX and the balance is XXXX XXXX. That makes no sense if I paid it for 4 years then it would have been almost paid off by XXXX XXXX XXXX  the balance would not be XXXX XXXX. Why would they put it on my credit XXXX yrs later and why did XXXX  tell me that it was reported XXXX and it will drop off XX/XX/XXXX when something that goes on your credit It stays a lot longer XXXX year. None of this makes any sense. I know nothing about this. The collection agency told me it was done through XXXX loan. I tried to look them up on the internet and found the name and when I click on it. It comes up some other loan company. Please remove this from my credit. Thank you