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

My name is XXXX XXXX, I recently submitted a claim/dispute that my information was leaked in an Equifax data breach. I submitted complaints via the CFPB with complaint ID # s : Equifax XXXX, XXXX XXXX XXXX and XXXX, XXXX. After all accounts listed on my dispute were removed ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) They were placed back on my report! This is unacceptable behavior towards someone who is a victim of identity theft. I completed an Identity Theft Report ( reference # XXXX ) and you honored my request. There is absolutely no reason for any of these accounts to be reappearing on my credit report. I provided the appropriate documentation to support my claim. Anyone claiming this account to be mine, has used my name and personal information without my consent!! These accounts must be BLOCKED and DELETED PERMANENTLY according to 15 USC 1681c-2 ( a ). As a consumer, it is my right to dispute inaccurate and fraudulent information. XXXX XXXX XXXXXXXX, and XXXXXXXX XXXX XXXXXXXX was reinserted back on my credit report without a letter sent to me in writing within FIVE DAYS before it was reinserted. According to the FRCA, this is against the law and against my consumer rights. I demand this account be removed, because any information provided that it belongs to me is FRAUDULENT, and not relayed to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX , has violated my rights.

15 U.S.C 1681 section 602 A. State I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 166b A creditor may not treat a payment on a credit card account an open end consumer credit plan as late for any reason
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 on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$50.00} ; XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX ) XXXX Balance : {$460.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA XXXX ( XXXX XXXX XXXX XXXX ) that you, the Equifax credit XXXX XXXX XXXX XXXX information appearing on my credit report that is the results of Identity theft, Equifax XXXX XXXX and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of the following account XXXXXXXX XXXX XXXXXXXX XXXX. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAINED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, EQUIFAX XXXXXXXX XXXX AND FRAUD. ATTACHED TO THIS IS A COPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM XXXX FEDERAL TRADE COMMISSION.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a unknown alleged collection placed on my credit report on XXXX.I already disputed this collection on my Equifax report and the account was deleted.This company did not give me 30 days to even respond to the alleged bill that was sent via mail.Which was dated for XX/XX/2020 and the collection was added on XXXX.I feel harassed because the collection was already removed and now had been placed back on my report.As stated under 15 U.S.C 1692e this company is being false and deceptive
Product: Credit reporting or other personal consumer reports

XXXX XXXX Revolving account with account # XXXX opened on XX/XX/2022 and a balance of {$810.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX account from XXXX XXXX with account # XXXX and a balance of {$1400.00}. The original creditor is XXXX. 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account.
Product: Debt collection

Orion Capital Solutions has been using some type of source to find extended family members of mine stating they need to confirm my location. I have reached out to them and provided my address, email and phone number. I also asked them to cease the harassing calls to those people as well as myself as they already have the information they need. I filed a fraud claim on that credit card, and XX/XX/2023, I requested documents to validate the debt and they have yet to provide that. I feel like Im being taken advantage of and being ignored. I demand that this account be deleted immediately from my report, and that the harassing phone calls stop, or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.
Product: Mortgage

I have NOT received my form 1098 -- XXXX XXXX  XXXX XXXX for tax filing purposes. 
I sent numerous emails to XXXX and have tried to connect with a customer service representative at XXXX since XXXX XXXX, XXXX. No one responds to emails.No one answers the phone. I've been listening to the same recorded message to " wait on the line for the next availablrepresentative. '' Please help.
Product: Credit reporting or other personal consumer reports

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

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

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

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

XXXX XXXX has been paid with a XXXX balance. Transunion is still reporting this debt with a XXXX XXXX balance i have filed XXXX disputes plus sent supporting documentation and they have still not updated this account. the decision not to update my file is affecting my ability to borrow.
Product: Debt collection

I have canceled the XXXX XXXX delivery service way back sometime in XXXX of 2016, returned all Equipment and Empty bottles and canceled service, not long after I was charged for Water delivery on a service I canceled and on top of that never received any water bottles in the first place. I called XXXX XXXX about this issue and the representative said that they will review with the field supervisor and give me a call back, months passed and no call back and the amount was sent to collection services and affected my credit score.
Product: Credit reporting or other personal consumer reports

It appears someone has been using my information to apply for credit with companies : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are constantly reporting on my credit report in violation of federal law. I can still see those accounts that are inaccurate and need to be removed from my credit report. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please REMOVE the following accounts completely from my Credit Reports : Late/Closed XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Collection XXXX XXXX XXXX XXXX Balance : {$2100.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$7400.00} XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$4100.00} Date XXXX : XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX Balance : {$5200.00} ChargeOff XXXX XXXX Balance : {$1100.00}
Product: Credit reporting or other personal consumer reports

Nelnet you are in violation of the Fair Credit Reporting Act : This fraudulent student loan was serviced by XXXX  and placed in default by XXXX. The real U.S.Department of Education General XXXX said on a call they are required to review all XXXX XXXX XXXX federal student loan. The results U.S. Department of Education General Counselor are placed in the XXXX XXXX XXXX XXXX XXXX as Defaulted, Unresolved., XX/XX/XXXX and the federal loan was terminated on XX/XX/XXXX for the same reason. Nelnet if XXXX have any problems with your fraudulent federal consolidation loan call the real U.S. Department of Education General Couselor that was assigned to review all of XXXX XXXX XXXX federal student loans for liability purposes. The U.S. Depatment of Education rejected the federal consolidation XX/XX/XXXX. The fraudent loan had Issues like their is not a copy of a orginal promissory note attach with the XXXX XXXX for verification, their is no address of mine the XXXX XXXX does not exists. A school code was used for consolidation from the XXXX XXXX XXXXXXXX XXXX. The XXXX XXXX XXXX XXXX is not a Bank and does not have my history from my lender XXXX XXXX XXXX  and neither did XXXX XXXX who did not keep in track with my payments. All my federal students were made by XXXX XXXX XXXX  in which I paid in full before XXXX XXXX fraudulently consolidate the note without a federal lender education code. Nelnet stole my identiy and placed over {$80000.00} due on my credit reports to steal money from the U.S. Department of Education to collect serviceing fees and bonus. Nelnet you sent me a billing statement requesting {$800.00} due XXXX XXXX XXXX in which I am not going to pay a XXXX. Nelnet you have damaged my credit reports and score for greed. Nelnet send me a receipt that lender with an education code paid my lender XXXX XXXX for a federal consoldation. Nelnet you have prevented me to obtain a mortgage. Nelnet send me the lender name who received the money for the consolidation. Enclose the enevolpe of the servicer of the loan XXXX  in XXXX an the real XXXX Department of Education
Product: Credit reporting or other personal consumer reports

Creditor you replied that the alleged transaction that you identified as late is validated. You have no proof that this alleged transaction was late. 
15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

In order for any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the statement date.

20 15 USC 1637 ( b ) is very specific on all required information need or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information. 
Your reply to my dispute is Verified, have you verified what the requirements are for a creditor to treat a payment as late? The fact that you verified the information means that you are in possession of the information that was sent or mailed 21 Days before the statement date, and you are in possession of a copy of all information from 15 USC 1637 ( b ) and the Certified mail tracking number that proved the delivery of said information for you to verify this item as late! I am requesting a copy of the information pursuant 15 USC 1637 ( b ) and the tracking number that was used to prove delivery of said information to me the consumer 21 days before my statement date regarding this account.

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( 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; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

XXXX : XXXX XX/XX/XXXX- XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Lexington law firm deprived me of so much money and no changes hardly took place on my credit report things were deleted and they were right back on the month
Product: Checking or savings account

On XX/XX/year> I called Capital One to find out where my direct deposit was. It is usually in my checking account a day before my pay day. They said the were having technical issues and hoped to have it fixed by the end of day. The end of day came and went and I will dont have my direct deposit in my account on my actual pay day which is XX/XX/year>. My employer XXXX XXXX has confirmed my paycheck information was sent on time to Capital One. The issue is on Capital Ones side. I cant pay my bills that are due because of this issue. My car needs gas but I can only put a few dollars in because I dont have my payroll deposit in my account that should be there on payday XX/XX/year>. Capital one did not send any notification until XXXX XXXX XX/XX/year> by email that they were having an issue. We should have been notified sooner. This is unacceptable for a bank. I think they were hacked but wont say that is what truly happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to submit a dispute with Experian over fraudulent information reporting on my file. I have submitted all documentation to have the fraudulent information blocked yet Experian keeps responding with a false response saying : 1. One copy of a government issued identification card, such as a drivers license, state ID card, etc. 
One copy of a utility bill, bank or insurance statement, etc. 
2. Specific dates such as when the loss or theft of personal information occurred or when the fraud ( s ) occurred, How you discovered or learned of the theft, Any known information about the perpetrator, The names of creditors and account numbers involved in the theft ; Name and/or badge number of the law enforcement personnel who processed the report, The filing date and case number. 
3. It was not filed with a law enforcement agency which subjects the person filing the report to criminal penalties relating to the filing of false information. 

This is false as I will attach the exact documentation that I sent to Experian over 50 times. These accounts are fraud.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had three late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates ( XX/XX/2022 ) ( XX/XX/2022 ) ( XX/XX/2022 ) Im now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Mortgage

Fifth/Third Bank recently ( XX/XX/2018 ) purchased ( unfortunately ) my mortgage from XXXX XXXX. My correct escrow balance at this time is {$1900.00}.

Fifth/ Third Bank states I have {$800.00} as my escrow balance. They have conveniently misplaced ( or stolen ) {$1100.00} from my escrow account as shown/stated in the Annual Mortgage Escrow Statement they provided me about 2 weeks ago. I have called them 4 times about this shortage, and they promise to fix, but they don't.As far as I am concerned this is fraud and larceny.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX XXXX and Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX XXXX and Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

The items listed below are inaccurate Account XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Account opened in my name at Wells Fargo. I did not open this account and I have a freeze on all three credit reports. Despite me calling twice this account is still opened and no information has been provided. No explanation on to how someone was able to open an account in my name when there is a freeze on my credit.
Product: Checking or savings account

I opened a new account with XXXX on XX/XX/2022. I deposited XXXX checks for a total of {$4600.00} and a XXXX deposit of {$2000.00} for a total deposit of {$6600.00}. I got the message there would be a hold on some of the checks. Then, in the mail on XX/XX/XXXX, I received a letter dated XX/XX/XXXX, that they had flagged my account for fraud and closed my account. Enclosed was a check for {$2600.00} stating that was my total balance of funds available. I called Chase on XX/XX/2022 on the phone and after XXXX minutes of being transferred and given the run around was transferred to a voice recording, after being assured I was being transferred to a human. On XX/XX/2022 I went in person and worked with XXXX XXXX for approximately XXXX hours. Here I learned that ALL of the checks have been cashed and cleared by CHASE, so that I am unable to deposit these checks to my Bank XXXX XXXX account. Out of the XXXX checks, they were able to verify XXXX. However, XXXX is refusing to release the funds to me, because I was told they clumped all XXXX checks into XXXX FRAUD case. The checks are XXXX tenant checks, XXXX from XXXX XXXX, XXXX check from XXXX XXXX XXXX and XXXX from XXXX XXXX. At this point, Chase is holding {$4000.00} from me. The checks have cleared, and they have the money. Several of these checks have been verified. Yet, I was told CHASE will hold the entire amount, {$4000.00} for XXXX years or until ALL XXXX checks have been verified. And if Chase is unable to verify all XXXX checks? They will release the money to the state of XXXX in XXXX YEARS to the original check writer. Meanwhile, I can not collect XXXX rent checks, because the Tenant 's check has CLEARED. How is this legal? This is MY MONEY and they have cleared. If Chase suspected fraud, why did they cash the checks at all? They should have been rejected. I received XXXX notice of any issue for a brand new account. I have an XXXX credit score and opened a credit card at the same time as well as a business account. These accounts are operating. But, Chase is holding over XXXX XXXX dollars that I need to pay my mortgage and feed my family. Why is Chase able to cash the checks, so I now can not get re issued payment from the check writers, because the checks have cleared. If they have cleared, why is Chase illegally holding my money? I was told by the Chase employee it would have been better if it WAS fraud because I would fill out a form and be done with it. This is outright illegal and fraud on the part of Chase and I demand my {$4000.00} balance that is rightfully mine. See all attachments of supporting docs and cleared checks.
Product: Debt collection

a derogatory mark was put on my transunion credit report for no reason. no correspondence of the debt was sent to me to validate or invalidate the debt. due process by this company was not correctly done and now I have a mark on my exemplary credit report.
Product: Checking or savings account

So its legal from them to just go in my account and take whatever the want? How is it I have all the evidence we have nothing and nothing happens.
Product: Money transfer, virtual currency, or money service

I have an account with a payday lender and they are not sending my transaction history slowly to my lending company.