23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I received an email stating that I needed to submit documentation within 5 days or my account would be suspended. I called the same day and found out what documentation, and then submitted it while on the phone with chime customer service. My account was then suspended that day. I was told to wait 1-2 business days. I did, and still no resolution from chime. I called and then received an email stating I needed to submit all the documentation again that I had already submitted 3 days before. I resubmitted and then received an email that my account was closed because of a document that was a scan. I called and was told to resubmit my social security card, which I did immediately. I received a response back the next day that said I need to wait 2-3 business days for a resolution, and that if I email back it will cause the time frame to be longer. I have tried to call and since my account has been closed, the automated system will not let me talk to anyone. It has been 5 days and I have not received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS/INQURIES LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM IF IDENTITY THEFT I HAVE MADE CRIMINAL COMPLAINT WITH LOCAL AND FEDERAL AGENCIES I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAs. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

I wrote each credit reporting agency about unauthorized inquiries on my credit reports and was ignored, all 3 credit reporting agencies are in direct violation of the law! Here are a list of the inquiries that should be deleted XXXX : XXXX XXXX XXXXXXXX on XX/XX/XXXX, XXXX  XXXX XX/XX/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 

RE : Unauthorized inquiry to my consumer report ; demand for Deletion and {$1000.00} Settlement. 
You are in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my XXXX, Equifax and XXXX consumer reports without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose. 
A person shall not use or obtain a consumer report for any purpose unless ; The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 
The purpose is certified in accordance with section 1681b ( f ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXXXXXX. XXXX ).
Product: Credit reporting or other personal consumer reports

I am providing evidence that I have been impacted by the Equifax Data breach.
Product: Checking or savings account

For my account # XXXX, TD bank decided to close it for no reason, I am unsure why and the representatives I spoke to ; XXXX XXXX in security and then XXXX  XXXX ( who swore at me and called me a profane name ) refused to assist me. In addition, TD bank sent a check without my permission for {$19000.00}. I tried to stop payment and they refused to. Now I am in the hole financially.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres a list of inquiries on my report that were not made by me. I havent inquired about anything over a year and a half. These inquiries are not valid and should be removed. 

Inquiry details XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This collection agency Zions Debt Holdings is attempting to collect a debt that I do NOT owe in the state of Hawaii and they have reporting this false information on my consumer report which violates both FDCPA and FCRA. I demand that they show evidence that they are justified in collecting such debt by providing all requested documents stated in the attached dispute letter. This includes a notarized signed agreement bearing my signature or an assigned agreement from creditor that also bears my signature. Last I check I did not signed anything authorizing this agency to collect on behalf of the creditor that I conducted business with. Additionally, in the state of Hawaii, a debt collector is required to be bonded and have a license to collect, therefore, I am demanding that they show proof that they are allowed to collect in Hawaii otherwise they would be violating the HFDCPA ( Hawaii Fair Debt Collection Practices Act ). If they can not show any of the requested documents then I demand that they cease all collection activity and delete this item from my consumer report. Lastly, this agency has also been in trouble with states such as Idaho for collection practices without a license in the state. Please view attached. I could not find this agency on XXXX.
Product: Credit reporting

XXXX XXXX, XXXX TransUnion Consumer Solutions XXXX XXXX, PA XXXX equest for Investigation XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX Ca XXXX SSN : XXXX To Whom It May Concern : I am writing regarding a serious problem with my credit report. You are currently reporting the following items that I request that you remove from my credit report : 1. XXXX # XXXX XXXX. XXXX XXXX XXXX # XXXX The information that you are supplying to my potential creditors is simply in error and inaccurate. Please kindly conduct your re-investigation of these inaccurate items pursuant to your obligations under 15 USC 1681i. I expect that your re-investigation and correction of these inaccurate items will be concluded during the 30 day time period allowed by law. 

Thank you XXXX XXXX XXXX
Product: Mortgage

We are trying to request a short sale with Citi and they have not responded in over a month. All the requested items have been provided ( XXXX ) and we have an offer that meets the VA short sale required XXXX. I have been experiencing issues with Citi and their delayed responses.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Never gave permission for this account
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting back in XX/XX/2017 I disputed 3 XXXX  XXXX XXXX Accounts with Transunion 's that were being reported on my credit report. It has just hit a year and nothing has been done to fix or address my requests. I have asked the Transunion to verify the account multiple times throughout the year and show some kind of verification or original signed contract showing that this debt is mine. I have contacted XXXX  XXXX XXXX to request the same thing and they have sent nothing back to me. This unverified account is negatively impacting me from purchasing a new truck for my business and has delayed this for an entire year. I am aware that the credit bureaus use an electronic verification system called XXXX XXXX so the accounts are not actually being verified. It is my right as a consumer to see the verification in hard copy form if it is going to be reported on my credit report. 

Attached are some of the letters sent along with return receipts showing that the letters were sent to all 4 organizations.
Product: Credit reporting or other personal consumer reports

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

they keep collecting debt that 's not mine they took me to court and stopped the case because they forged documents signatures etc. so they agreed to stop all collections now they put it back on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a complaint with the FTC regarding fraudulent information on my credit report which do not belong to me at all I have no knowledge of this I am sending the FTC Identity theft report
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX, and XXXX need to remove the collection account for XXXX XXXX XXXX. 

I have submitted a dispute on my credit file because this debt is not valid. The original creditor can not provide the fully executed contract and refuses to provide proof that they cancelled the account was cancelled by the business. 

This is a dispute that would need to be settled by the fact-finding process of the civil court system. It is not fair for the creditor and the credit bureaus to hold my credit report hostage without sufficient evidence of this debt. The creditor did not allow me the process to dispute the debt by providing full documentation. 

Since the creditor is unable to provide a fully executed and valid contract, the file should be removed from my report.
Product: Credit reporting or other personal consumer reports

I have reached out to Experian several times in regard to reporting inaccurate name and addresses on my credit report. They have not removed the incorrect information. XXXX and XXXX have my personal information correct on my credit report with them, but Experian is reporting all my personal information incorrect even though I have sent in copies of my driver 's license, social security card, and utility bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not XXXX percent right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXX and XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

I have reach to XXXX XXXX many times to update my late payments on my credit from XXXX. I just placed another call XX/XX/XXXX and a rep stated on a recorded line they can't see my account dated that far back. How was this looked into before
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under XXXX XXXX XXXX XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked deleted within 4 days : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has already deleted the following accounts. Please see attachments for proof of deletions, proof of identification, documentation, and victim letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

At this point my FCRA rights have already been violated. I take my credit extremely seriously. Upon viewing my credit reports I noticed LVNV FUNDING LLC had a discrepancy in the " past due '', " payment history '', " date of last activity '', date of last payment '', " date opened '', " monthly terms '', " account type '', section of the listings. XXXX  and XXXX  are reporting a " date opened ' of " XX/XX/XXXX XXXX however XXXX is reporting a date opened of " XX/XX/XXXX ''. XXXX  and XXXX  are reporting a " date of last payment '' of " nothing '', however XXXX  is reporting a " date of last payment '' of " XX/XX/XXXX ''. XXXX  is reporting a " date of last activity '' of " XX/XX/XXXX '', however XXXX  is reporting " date of last activity '' on " XX/XX/XXXX '' and XXXX  is reporting " date of last activity '' at " XX/XX/XXXX ''. There is also " payment history '' showing for XXXX and XXXX  which is a violation if this account is supposedly a collection/charge off. XXXX  and XXXX  are also showing a " past due '' amount of {$820.00} which is also a violation since this account is again supposedly a collection/charge off. XXXX  and XXXX are also showing the " account type '' as open account. This account has been reported to collections to my understanding which means it cant reflect as an open account. This is again a violation! I also noticed XXXX  listed " monthly terms '' on my report of 1 month. To my understanding I have no secured loan or anything of the sort with this company so im not sure what " monthly terms '' they're referring to. If this is the same account, reported by the same creditor how are these numbers and dates different?
Product: Credit reporting or other personal consumer reports

XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TO XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to unfreeze my credit with Equifax through their online portal and automated phone solutions several times in XXXX, XXXX and in XXXX of 2020. 

The message on their portal is : " We are temporarily unable to complete this request. Please try again later. '' Each time, the process failed online as wlel as through their automated phone system. The only option was to talk to a live customer service agent during specific business hours ( eastern time ) who indicated that I would have to call in and talk to an agent to unfreeze my credit report. 

This appears to be a deliberate attempt by Equifax to limit the ability for consumers to unlock their credit reports.
Product: Debt collection

My XXXX ( XXXX XXXX ) acquired a Property Management Collections ( XXXX ) to collect XXXX fees. I spoke to XXXX in the XXXX and they advised they would place collections on hold after I sustained a XXXX XXXX  and subsequent defrauding in the last year. For the first time in my life, I was facing a financial hardship and have had until that point zero negative marks on my credit or payment history. Unfortunately, not only did XXXX not pause the collections as promised, they continued to flood me with notices and mailmen collectors knocking at my door with lien notices, even though the balance was so low they could not place a lien. As you know, this is a violation of FCDPA and FCCPA ( Florida Law ), for making threats of legal action that are not allowed. Ultimately, they added some fees after a few months to get the balance above the threshold and filed the lien anyways even though the true assessment balance was under $ XXXX. I will be seeking damages from XXXX, but to make matter worse, they brought in Mankin Law Group ( I guess you'd call them a 4th party collector given XXXX is the 3rd party collector *sarcasm* ). Mankin doubled down on this invalid debt and illegal lien that was manipulated with arbitrary fees to raise the balance above the Florida Law limit of $ XXXX. Now they've piled on fees, refuse to take telephonic payments and refuse to speak to me saying I need to have an attorney. I imagine this is to toll the case past the 45 days so they can add on even more invalid fees.
Product: Debt collection

I have already disputed this debt direct with XXXX XXXX XXXX, for over 18 months on multiple occasions with several different debt collectors they have even collected {$1500.00} in good faith payments without validating the debt through one of 6 collection agency they have transferred the information to and each time I  request validation I receive the same 3 forms with incomplete information from what was requested and when I respond that the information is insufficient to validate the debt, it gets transferred to another agency. 

Attached are only a few of the letters that I have submitted to different collection agencies employed by XXXX and at time it had been multiple agencies attempting to collect the exact same debt at the same time. I feel harassed and so does my alleged cosigner as he receives the same calls and letters, this needs to be removed from collections as they can not and have not proven that this is a valid debt that they own despite multiple attempts to validate and offers to settle this debt.
Product: Debt collection

I am in recepit of a letter dated on XX/XX/XXXX from XXXX XXXX XXXX. They have stated that they are the new creditor on an alleged debt and stating that I owe an alleged debt. While reviewing the letter, I came across many violations pertaining to my consumer rights. Under the FDCPA, Congress states that a debt may be sold from a credit, but not my private information. 15 USC 1692c ( a ) alone states " without prior consent of the consumer given directly to the debt collector ... a debt collector may not communicate with a consumer in connection with the collection of any debt. '' I have never consented to contract with XXXX XXXX XXXX and they have breached my privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX and XX/XX/2022 there were credit applications made on my behalf. One of them was for American credit ACCE. The other was XXXX XXXX. And the last one was XXXX XXXX. 
This is NOT me. There should be a fraud alert on my account, but somehow they were still able to apply and get a credit check. The hard inquiries are hurting my credit. I need these taken off asap. Im trying to build my credit but someone is applying for credit cards in my name. I need advice on what to do.
Product: Credit reporting or other personal consumer reports

XXXX was charged to my credit card for some XXXX  memebership fees, but I was never made aware I was starting a membership.
Product: Credit card or prepaid card

Credit card with US Bank, Kroger Rewards World Mastercard, balance currently {$2100.00}. Have made payments regularly, no late payments to any creditor on my record. I had an introductory rate on part of the balance that expired last month. Received correspondence today raising interest rate from 20.99 % to 26.24 % effective XX/XX/XXXX. The reason given is high credit card balances and too many accounts. The card has been active approximately 2 years or so, I have not used it in many months, again, no late payments anywhere in my history. My telephone complaint was met with indifference.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to Human Trafficking Debt Bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

See the attached documents.I 'm so stressed and very disappointed due to this events that harmed my mental health, emotional health and even put my family in distress! REMOVE THESE ACCOUNTS AS SOON AS POSSIBLE!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted contact with TRANSUNION for the removal of the following inquiries. Their investigations are incomplete. I am was never furnished proof that the inquiries belonged to me. XXXX failed to complete a full investigation Under the Fair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with proof that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I )
Product: Credit reporting or other personal consumer reports

" Equifax '' credit union have my Credit data mixed with someone else 's credit file. My credit file is not there in Equifax, but there is a person with similar name. And that person have access to all my credit card info, addresses, etc. His file is mixed/changed with my data and my file is not available. 
I called them on XXXX XX/XX/2024 and filed a report via email as well. But I want to check if this is something that should not happen as in first place as it should have been protected information and not shared with anyone. I was able to see that person 's data and they were able to see mine. 
Like Name, Date of Birth, historical and present addresses, products in use or used, basically the whole detailed credit report and every way to steal someone's identity, etc. 
The date of birth is still that person 's on file, as it was his original file.