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

I think I fell for a fake web site posing as Experian, and exposed my email and password. On XX/XX/2020, I meant to log on to Experian to check my credit report, but foolishly clicked on what I now suspect was a fake website labeled " Experian log on ''. It was second from the top on the search engine. I entered my user name and password several times, and couldn't get logged on, and tried the " reset password '' thing which also didn't work. A few hours later, I tried again, on the proper web site, and it worked nicely, so I feared that I had fallen for a scam in my initial efforts to log on, giving the thugs my email address and password for Experian. I could not change the password for the credit freeze when I logged on properly. In order to change the password, I had to unfreeze and refreeze my credit. After unfreezing, I couldn't refreeze on the internet. I had to do the re-freeze on the phone, but believe I was successful. I have received phishing span starting XX/XX/XXXX, which is atypical for my email. I feel pretty stupid, and know other people are falling for it, too, but are perhaps not realizing it and not changing their password, giving the thugs their log-on info for Experian, and their email addresses. 

The suspect website is : " Experian Login '' and the full address changes, but starts the same : " XXXX : XXXX? XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX ''
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX  closed my credit card and charge it off on they behalf as i read on the irs website that if a company charge off it is consider my debt as paid and full because the company have written it off
Product: Credit reporting

We have fraud names with mispelling the correct XXXX has been changed to XXXX and they have added a fraud XXXX XXXX address that is not or has ever been ours. 
we have had previously identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently informed 60 days ago of negative information reported by [ XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX IL ] included in the file ChexSystems maintains under my Social Security number.I was informed on 60 days ago that the item was deleted from my consumer report. Now I have discovered that the item has been reinserted on my credit report. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. Upon ordering a copy of the report, I found an entry from this bank listing a [ Account Abuse, Overdrawn ] in [ XXXX XXXX, ]. 
I am unaware of ever having a [ Checking Account ] from this [ XXXX, XXXX  XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  - XXXX, XXXX XXXX IL ]. 
Please validate this information with [ XXXX, XXXX  XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  - XXXX, XXXX XXXX IL ] and provide me with copies of any documentation associated with this " [ [ XXXX, XXXX  XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  - XXXX, XXXX XXXX IL ] '' bearing my signature. In the absence of any such documentation, I ask that this information be immediately deleted from the record you maintain under my Social Security number and provide an updated report. 
Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the state of Illionois Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.
Product: Student loan

My name is XXXX XXXX, I got a private student loan back in XX/XX/XXXX from next student my boyfriend at time now my husband co-signed for the loan. The loan was deferred for years. In XX/XX/XXXX the first payment was due I made payment up until XX/XX/XXXX but I was unable to continue payments. Now in XX/XX/XXXX Im being served with court documents that XXXX XXXX XXXX XXXX has a judgement against my husband and I for over XXXX plus their XXXX attorney fees. The attorney XXXX XXXX is not willing to work with me and he is demanding personal information that has nothing to do with the debt at hand.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA ( Fair Credit Reporting Act ) section 609 ( c ) ( 2 ) ( E ) requires the removal of derogatory information that can not be verified. The following accounts listed below can not and have not been verified. My previous disputes with the 3 agencies have been ignored to date. Please provide a FULL CONSUMER FILE DISCLOSURE. 15 U.S.C. Section 1681g ( a ) ( XXXX ) for verification of debt and material facts. 
ACCOUNTS : XXXX. XXXX XXXX XXXX ( XXXX XXXX OF XXXX XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX. XXXX XXXX XXXX ( XXXX XXXX XXXX ) With continued use of unverified debt and contracts there are REPORTING AND DATA FURNISHER VIOLATIONS OF 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ; False or Misleading Representations 15 U.S.C. 1692e that does not meet Generally Accepted Accounting & Auditing Practices as verification is a federal violation will be used as evidence in Legal Claims.
Product: Debt collection

Went to see my doctor and asked for certain type of XXXX for a procedure that it should of been covered by my medical plan. a month later I get a bill in the mail from the doctors office and the XXXX company. after several attempts with the doctors office they realized that it was a first time visit and it should be cover with my insurance plan also the XXXX should of been covered by my plan. they corrected the office visit bill but never corrected with the XXXX. 
I should not be paying for the XXXX bill since I did not requested those additional XXXX. 
my visit and XXXX should be paid by the insurance company in full. the extra XXXX was irrelevant to my procedure. there was no need to have added tests to the XXXX it was required. 
I called the insurance company and put the dr office in a conference call, they were going to call the XXXX to correct the bill and they did not. 

I have an outstanding credit history. I pay my bills on time. However if the bill does not belong to me to pay I will not pay it.
Product: Credit reporting or other personal consumer reports

Federal law mandates that inaccurate information and late payments on open end credit accounts are excluded consumer files. TransUnion and XXXX ( account # XXXX ) are in violation of FCRA 1666b ( a ) by furnishing inaccurate late payments on dates of XX/XX/2023, XX/XX/2023, XX/XX/2023 & XX/XX/2023. They are also inaccurate due to my XXXX XXXX XXXX app Payment history which confirms XXXX ( XXXX ) payments for the months of XX/XX/2023 & XX/XX/2023. Also my account was suspended, closed and a new credit card issued after theft of my backpack containing my credit cards, phone and tablet on XX/XX/2023. XXXX XXXX Police Department Item # XXXX
Product: Credit reporting or other personal consumer reports

I disputed the referenced fraudulent accounts below in XXXX. The credit report of XX/XX/year> shows this item was deleted from my credit file. Now I notice this item has been reinserted on my credit report, without me being notified.
Product: Credit reporting or other personal consumer reports

Subject : Dispute, Correction of Inaccurate Credit Information, and Request for Trade Line Removal, I hope this letter finds you well. I am writing to bring to your attention certain inaccuracies present in my credit report that require immediate attention, correction, and the removal of certain trade lines. I have recently obtained a copy of my credit report, and after careful review, I have identified several inconsistencies that I believe warrant investigation, rectification, and the removal of the corresponding trade lines. 

I would like to draw your attention to the following discrepancies in my credit report : XXXX. Account XXXX : XXXX XXXX XXXX - Date Opened : XX/XX/XXXX - High Balance : {$640.00} - Account Balance : {$0.00} - Last Reported : XX/XX/XXXX - Remarks : " Consumer Disputes- Reinvestigation In Progress '' - Inconsistency : The account balance is reported as {$0.00} despite the previous high balance of {$640.00}. 
- Request : Please investigate and correct this discrepancy, and consider removing this trade line from my credit report. 

XXXX. Account XXXX : XXXX XXXX  - Date Opened : XX/XX/XXXX - High Balance : {$6100.00} - Account Balance : {$6100.00} - Last Reported : XX/XX/XXXX - Remarks : " Canceled By XXXX XXXX, '' " Consumer Disputes- Reinvestigation In Progress '' - Inconsistency : The remarks indicate a " Canceled By XXXX XXXX '' status, which conflicts with the reported high and account balance. 
- Request : Please investigate and correct this discrepancy, and consider removing this trade line from my credit report. 

XXXX. Account XXXX : XXXX XXXX  - Date Opened : XX/XX/XXXX - High Balance : {$2200.00} - Account Balance : {$2200.00} - Last Reported : XX/XX/XXXX - Remarks : " Account Previously In Dispute Now Resolved Reported By Subscriber, '' " Dispute Resolved Reported By XXXX, '' " Consumer Disputes- Reinvestigation In Progress '' - Inconsistency : The account balance of {$2200.00} is reported as slightly less than the high balance, which is inconsistent. 
- Request : Please investigate and correct this discrepancy, and consider removing this trade line from my credit report. 

I kindly request that you initiate an investigation into these inaccuracies, correct the discrepancies in my credit report, and remove the corresponding trade lines that are inaccurately reported. In addition, I have attached relevant documents and records that support my claims and provide evidence of the correct account information. 

I understand that it is essential to maintain accurate and up-to-date credit information, and I am confident that your expertise will ensure the timely resolution of these issues. Please provide me with written confirmation once the corrections have been made to my credit report, and the requested trade lines have been removed. 

Thank you for your prompt attention to this matter. I look forward to your response and the successful resolution of these discrepancies. If you require any further information or documentation,
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

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 XXXXXX/XX/XXXX If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid to see my credit report and score. My credit score that was given to me was not my fico score it is a score the no one use or at least only XXXX XXXX  of companies use so it is pretty much useless XXXX ( XXXX  ) does not give me an accurate assessment of my credit to be able to repair it accurately this is NOT a fair practice I think my credit is one thing, but it really is another. These credit reporting agencies have all consumers over a barrel. The can put things in our reports and not tell us and it could be wrong we dont find out until we are turned down for credit. And they wont even give the credit score that matters. THIS IS NOT RIGHT. I paid for my fico score not some junk no one uses.
Product: Credit reporting or other personal consumer reports

On XX/XX/23 I attempted to open a trust bank account at XXXX  XXXX XXXX. They used my social to run a background check which revealed that I had monies owed to XXXX  XXXX XXXX on an old closed account. This account was paid in full months prior to the inquiry. I was denied the bank account and proceeded to call XXXX  XXXX XXXX who confirmed that the matter was resolved and provided me with a letter stating this. ChexSystems was contacted and I spoke with a woman who was difficult to understand as well as appeared to be out of the country. Im not quite sure why an agent in another country deals with credit matters of the US but that is a different matter ; after providing a lot of private information and explaining the situation, she informed me that there was nothing she could do and I would need to contact XXXX  XXXX XXXX. I have now, on XX/XX/23, been denied another checking account creation due to this matter. I am attaching a letter from XXXX  XXXX XXXX showing the matter is resolved and requesting that it be removed from my credit report or I will be forced to file suit. This has caused forfeiture of new accounts, interrupted business and caused tremendous distress to me and my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

This credit bureau XXXX and Experian is falsely reporting a bankruptcy and saying the bankruptcy court gave them information when clearly the courts dont give information for anyone bankruptcy
Product: Debt collection

On or about XX/XX/2022 I received a notice from the county Sheriff indicating that I had been sued on the XXXX of XX/XX/2022 by a credit collection company in XXXX XXXX, South Dakota called Accounts Management Inc. No reason or verification was given. 

It continued to claim that I owed XXXX, not including additional interest and collection fee. As of XX/XX/2022, the paid balance is at XXXX in accordance with my most recently received paystub. XXXX dollars and/or approximately 2 pay periods beyond the assumed conclusion of said debt. 

I am the solely employed Parent/guardian of a family of 5 and am trying to survive on XXXX a year.
Product: Debt collection

I noticed my information was compromised including my ID, social security card info and my credit in XXXX of XXXX. I ordered my credit report and noticed two American Express accounts. I went to the XXXX XXXX XXXX XXXX police department and I received a police report for the two accounts. PLEASE have them REMOVE FROM MY CREDIT REPORT. These are fraudulent accounts and I did not authorize these accounts to be open in my name. I spoke to American Express and they are refusing to remove the fraudulent accounts. American Express : Account number : XXXX Date fraud began : XX/XX/XXXX Date discovered : XX/XX/XXXX Amount : {$5000.00} XXXX XXXX : Account number : XXXX Dare fraud began : XX/XX/XXXX Date discovered : XX/XX/XXXX Amount : {$1200.00}
Product: Credit reporting or other personal consumer reports

Sent letters to both the creditors and credit reporting companies on XXXX. I never received a response
Product: Mortgage

Since XXXX of XXXX Roundpoint Mortgage Servicing LLC rejects my online mortgage payments made to their company paid through my bank - XXXX XXXX XXXX  on the online banking portal. 

I filed a complaint already through CFPB and it says case closed bank responded? What they responded and continue to return my online payment attempts? This is illegal?? 

On XX/XX/XXXX I mailed a payment as I do every month using the US Mail - it is due on XX/XX/XXXX ( late fee after ) - on XX/XX/XXXX it had not been received- I had to pay {$30.00} for a stop payment and {$70.00} to XXXX a check to Roundpoint. 

This is outrageous and illegal as I understand it under US Banking laws- why is this allowed to go on and why is case closed!!! This is outrageous. 

I have attached a recent attempt - test since I know that it will be rejected - of {$1.00} - you can see the payment and the return of the payment to my XXXX XXXX XXXX  account.
Product: Debt collection

XX/XX/XXXX, I was dis satisfied with rate change by XXXX XXXX because I've been a customer for over since XXXX, My bill increase and when I called to dispute the charges I was given 3 different solutions to my problems, bill adjustments should have been made and 3 different supervisors gave me different solutions and because the final supervisor said i was given the wrong answers, I decided to cancel service and told to return all the necessary equipment and that ended a long time customer. My. account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX. I have copies of the returned equipment receipt and the shipping confirmation from the XXXX store. The return reference number XXXX XX/XX/XXXX. One supervisor saw my previous contacts and told me that the supervisor that previously noted my calls, did not review the previous charges to my account and that i should not have been charged and i should be credited, I was offered a settlement to bring my account current by email notifications and when i called to confirmed i was told that the email was auto generated and i should not have been offered a settlement, The next supervisor said that the previous supervisor should not have given me the offer, thus why i cancelled after 25 years, I still have cell phone and internet service with XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, ( XXXX ), ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 a loan account at XXXX XXXX XXXX XXXX XX/XX/XXXX account number XXXX, XXXX XXXX XX/XX/XXXX account number XXXX, XXXX XXXX  XX/XX/XXXX account number XXXX, XXXX XXXX XXXX  XX/XX/XXXX account number XXXX, XXXX XXXX XXXX  on XX/XX/XXXX account number XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX account number XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX account number XXXX, XXXX XXXX on XX/XX/XXXX account number XXXX, XXXX XXXX on XX/XX/XXXX account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ), ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX  XXXX ( Date Opened : XX/XX/XXXX, Balance : {$14000.00} ), XXXX XXXX XXXX  ( Date Opened XX/XX/XXXX, Balance : {$14000.00} ), XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$7100.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1900.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1200.00} ), XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX Balance : {$5500.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX. Account # : XXXX XXXX  Account # : XXXX XXXX  XX/XX/2024 XXXX  XX/XX/2024 XXXX  XXXX XX/XX/2024 These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than XXXX years old, other than records of convictions of crimes. 

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Money transfer, virtual currency, or money service

US.BINANCE has locked my funds for more than 30 days without any response via Email or Ticket Ive submitted at all. Ive used their services for XXXX  years now and this is the first time this has happened. I have {$10000.00} stuck in Us.Binance and they will not help me what so ever! My ticket number is XXXX
Product: Checking or savings account

My Social Security check was deposited with Direct XXXX  express l have called many times and they tell me that they can not help with my account l have contacted Social Security and stopped any more checks going into Direct XXXX .l sent them a verification Benefit.letter with my new address..They are holding my XXXX.check.l am my own payee and can not understand why they will not send me a new express card..l am XXXX yr.old and l need my check.Hope you will be able to help me.