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

I keep receiving emails wrongly claiming I'm helping credit repair companies. This is not trueI send all correspondence myself. 

Please correct this immediately. Attached is a list of negative accounts and inquiries I want removed. If this is not resolved, I will consider legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

XX/XX/XXXX - An online purchase was made on the Best Buy website for two open-box items. The next day I received two emails stating the products ' unavailability and subsequent cancellation of my order. Typically, a charge for a cancelled order is removed from the customer 's account. However, this one never was. I brought it to Citi bank 's attention and they instructed me to file a dispute after the charge fully posted. 
XXXX XXXX I filed a dispute per the instructions I received, expecting a swift resolution since the product was never shipped or made available for pickup. 
XXXX XXXX The dispute was declined. Within the evidence packet there was a surveillance photo of the product somewhere in the store with an attached note stating, " Store associate forgot to scan out product ''. I fail to understand how this is sufficient evidence as I was never notified that the product was ready for pickup, so there would not have been any logic for me to be physically at the store. Additionally, there was no evidence of me being in a store that is XXXX minutes away from my home address. 
XXXX XXXX XX/XX/XXXX : Citi has instructed me to handle the resolution with the merchant themselves, Best Buy. I have made dozens of calls to the Best Buy support line where they have acknowledged a refund was supposedly submitted to my card on file in XX/XX/XXXX. There is no evidence of this refund within my card statements and Best Buy has steadfastly refused to provide any more context on this refund or attempted to reconciliate what happened to those funds. 
XX/XX/XXXX- I submitted more evidence of the dispute to both Best Buy and CitiBank and it has yet to be acknowledged. I finally was able to get in contact with a dispute XXXX at Best Buy, however he refuses to take any action regarding my case and has actively discouraged me filing cases with the BBB and CFPB. I feel like I have exhausted all of my options as a consumer so I am hoping that this complaint will lead to a fair resolution so that I can move forward with becoming a first-time father this fall.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Capital One and XXXX XXXX XXXX. The Account Opened is Capital One Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$270.00}. The Account Opened is Capital One Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00}. The Account Opened is XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Re : Request for Removal of Charge-Off Account Account : XXXX  Account Number : [ XXXX ] Dear Sir/Madam, I am writing to formally dispute the accuracy of the information being reported on my credit report under the account listed above. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 et seq., I am exercising my rights under federal law to challenge the validity and completeness of this account 's reporting.

Under Section 15 USC 1681i ( 7 ), credit reporting agencies are obligated to provide a detailed description of the investigation they conduct within 15 days of receiving a consumer 's dispute. Therefore, I request that you initiate a thorough investigation into this account 's history and provide me with the following information : 1. The Original Creditor 's Verification : Please verify the accuracy of the reported information with the original creditor, including the date of first delinquency and the accuracy of the balance owed. 
XXXX. The Date of First Delinquency : According to my records, the date of first delinquency and subsequent charge-off may have been reported inaccurately. Please confirm this date, as it is critical in determining the reporting period.

3. Verification of Account Status : The current status of this account appears inconsistent across the various credit reporting agencies. Specifically : o XXXX reports the account as Charged off as bad debt with a derogatory rating and mentions Dispute resolved ; customer disagrees. 
o XXXX reports Subscriber reports dispute resolved - consumer disagrees, noting an unpaid balance reported as a loss. 
o Equifax lists the account as Amount in high credit original charge-off amount and mentions Consumer disputes after resolution. 
XXXX. Inconsistent Payment Histories : The payment history reported by XXXX, XXXX, and Equifax varies significantly, reflecting discrepancies that cast doubt on the accuracy of the account information. 
Given these inconsistencies, I believe that this charge-off account may not be reported accurately or in full compliance with the FCRA. Therefore, I am requesting that this account be removed from my credit report immediately, or that you provide conclusive evidence to support the continued reporting of this account. 
If you are unable to verify the accuracy of this account, I expect you to remove it from my credit report within the legally mandated 30-day period. Additionally, please provide me with a copy of the detailed investigation report as required by Section 15 USC 1681i ( 7 ).

Thank you for your prompt attention to this matter. I look forward to receiving confirmation of your receipt of this dispute and the results of your investigation. 
Sincerely, XXXX XXXX XXXX XXXX XXXX :XX/XX/XXXXXX/XX/year> SSN : XXXX
Product: Debt collection

I have sent several certified letters to XXXX XXXX XXXX about this matter. This debt is not mine. I have never opened an account with XXXX/XXXX XXXX. This debt is reported on my credit report, but is another individual 's with I am assuming the same name as mine. The debt is listed under XXXX XXXX, but I my legal name is XXXX XXXX. I have never used XXXX as a name to open an account as it is not my legal first name. I have tried since XX/XX/2018 to resolve this matter and to this day XXXX XXXX has not provided any signed contract to validate this debt is mine. This is damaging my credit report.
Product: Credit reporting or other personal consumer reports

I WAS CHECKING MY CONSUMER REPORT AND NOTICED SOME FRAUDULENT INQUIRIES THAT I DID NOT INITIATE WITH THESE CREDITORS I BELEIVE I AM A VICTIM OF IDENTITY THEFT THESE ARE THE INQUIRIES THAT ARE FRAUDULENT SHOWING ON MY CREDIT FILE : XX/XX/year> / XXXX XXXX XXXXXXXX. 
XX/XX/year>XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX. 

THIS IS NOTHING I INITIATED.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act XXXX XXXX acct number ending XXXX, have violated my rights. 

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 : Also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I transfer XXXX from my cash app account into my XXXX account which I had several times before just smaller amounts the money would show up immediately on this particular day it did not XXXX which is pathward national rejected the transfer due to limit load you can only do XXXX per day. With that being said I then went ahead and contacted cash app they told me the transaction was successful and there was nothing that could do so since XX/XX/XXXX I've been going back-and-forth back-and-forth and neither of the companies can help me cash XXXX said they needed proof that they rejected it so they rejected it so I went ahead and emailed them my XXXX statement not only that I did the transcript from the conversation with the people from XXXX they gave me a denial code a rejection reason a time and amount of transaction and still nothing I just kept getting automated response automated response automated response so here it is 13 days later and they still say that it was A successful transfer which it was not and basically they've just taken my money and I just have to take it basically basically I need help please
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Received a call stating I owed a balance and I have never bought anything at Conns. They would not give me anymore information
Product: Debt or credit management

It was a breech and all my information and credit been compromised.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I hope this letter finds you doing well.
XXXX is incorrectly reporting 23 late payments across six student loans to the credit reporting agencies, such as Equifax, XXXX, and XXXX. During the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX,  XXXX is reporting to credit reporting agencies such as Equifax, XXXX, and XXXX, that I was late on each of my six  student loans in question.
<P/>
InXX/XX/XXXX I was supposed to be in forbearance for temporary financial hardship. As seen by the attached document, XXXX granted me a retroactive forbearance in XX/XX/XXXX that lasted from XX/XX/XXXX to the end of XX/XX/XXXX <P/> Thus, XXXX  is aware that I was supposed to be in forbearance, they approved said forbearance way back in XX/XX/XXXX, and XXXX has internally adjusted their records to demonstrate that I was, indeed, in forbearance from XX/XX/XXXX to the end of XX/XX/XXXX. <P/> However, despite my numerous efforts to get XXXX to update the credit reporting agencies to remove these late payments because I was in forbearance, XXXX continues to refuse to updated the credit reporting agencies if these inaccurate late payments.
<P/>
I have called XXXX to dispute these late payments, and I have supplied XXXX  in writing that these late payments need to be removed because I was in forbearance. In addition, I have supplied XXXX with the FTC Advisory Opinion that asserts that student loan accounts need to accurately reflect current information.
<P/>
Here is a copy of that Advisory Opinion : https : //www.ftc.gov/policy/advisory-opinions/advisory-opinion-XXXX XXXX continues to report these inaccurate late payments and they continue to damage my credit by not updating the credit reporting agencies that these late payments should be removed.
Product: Vehicle loan or lease

I see multiple 30-90 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Credit card

Please stop contacting me via phone, fax, text, or email. All communication should be sent to me by USPS certified mail. Any other form of correspondence will be rejected or refused. 

CAVALRY PORTFOLIO SERVICES XXXX
Product: Mortgage

Ocwen has serviced my mortgage for the past several years, succeeding GMAC when GMAC sold its assets in bankruptcy. In the past few years I have received several communications from Ocwen that appear to be attempts, surreptitiously or by threat, to extract money from mortgage-holders beyond the amount payable to remain current on your mortgage or escrow. These include : 1. Sending notice that Ocwen is increasing the customer 's monthly escrow payment ( and correspondingly the mortgage payment XXXX to purchase property-casualty insurance to insure the property securing the mortgage, despite the property-owner already carrying the necessary coverage. When confronted with this fact, Ocwen representatives claim that they have no record of the existing insurance, despite receiving documentation from the customer and the customer 's insurance provider. I receive essentially the same letter every XXXX for several years, despite carrying the same policy from the same insurer from the date I purchased my home. 
2. On XXXX XXXX, 2016, I received a monthly statement from Ocwen stating the amount payable on the mortgage XXXX XXXX, 2016. I paid that amount during the requisite payment period ( prior to XXXX XXXX ). I have since received numerous calls from Ocwen " attempting to collect a debt '' stating that the amount of my monthly mortgage has changed and the amount stated on the XXXX statement was incorrect by {$72.00}. I have not received, nor can Ocwen identify sending, a statement with the different, larger amount stated on it. Nonetheless, I have received almost daily calls attempting to collect this amount. I have notified Ocwen representatives several times that I have never received, nor, as they acknowledge, has Ocwen sent, a written notice or statement identifying the higher amount. This would appear to be both fraud, and an unlawful attempt to collect a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING HARD PULLS ARE UNAUTHORIZED AND MUST BE REMOVED OR FACE CLASS ACTION LITIGATION.
Product: Debt collection

This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX 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  These credit accounts and collections are the results of identity theft and fraud.
Product: Credit card

On XX/XX/2022, I paid {$650.00} for an automotive repairs shop but the service and the part were not what I would like to receive so I disputed that transaction and Bank of America issued a temporary credit for my credit card. 
Then, I worked with the owner of the repair shop and I transferred an amount to him on XX/XX/2022 via XXXX and he promised me that he would explain the case to Bank of America. 
But on XX/XX/2022, the Bank of America took back the temporary credit and charged me again {$650.00}. 
That means I was charged twice time, one for XXXX, and one for a Credit card, I called the Bank of America and also went to the branch to explain the situation, but they didn't do anything. I went to the repair shop and the owner closed the shop and he kept my money
Product: Credit reporting or other personal consumer reports

I am writing to formally request, pursuant to Section 605B of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, that you block the reporting of information on my consumer credit report that is the result of identity theft. This request is based on the identity theft detailed in my FTC Identity Theft Report XXXX XXXX 

Fraudulent Accounts Identified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These accounts were fraudulently opened without my knowledge or consent and have led to unauthorized hard inquiries and collections on my credit report. In accordance with FCRA 605B, I request that the bureaus : 1. Block the reporting of the identified fraudulent accounts, inquiries, and any related information from my credit report within four ( 4 ) business days of receiving this request.

2. Promptly notify the furnishers of the identified information that it may be the result of identity theft, that an identity theft report has been filed, that a block has been requested, and the effective dates of the block.

3. Cease all collection activities related to these fraudulent accounts, as mandated by the Fair Debt Collection Practices Act ( FDCPA ). 

To summarize, the aforementioned accounts and associated collections appearing on my consumer credit report were not opened, made, or initiated by me. All of these accounts are the direct result of identity theft and fraud. To support this claim, I have attached a copy of my FTC Identity Theft Report ( XXXX XXXX XXXX as well as copies of my consumer credit report from XXXX, XXXX and Equifax, showing these fraudulent items. I trust that the necessary steps will be taken to address and resolve these fraudulent items in accordance with applicable laws.
Product: Credit card or prepaid card

Someone fraudulently applied for and opened an America Express credit card using my personal information. I have never applied for an America Express credit card. The following American Express credit card application reference number : XXXX is a fraudulent application. American Express is holding me liable for a fraudulent account and credit card application thats not mine and dont belong to me. I have excellent credit and want to apply for an American Express credit card, but American Express is discriminating against me and trying to hold be liable for a fraudulent American Express credit card and credit card application.
Product: Credit reporting, credit repair services, or other personal consumer reports

National Credit Systems INC at XXXX XXXX XXXX XXXX XXXX, GA XXXX, has reported an account on my credit report with a balance of {$1200.00}. I do not know this company. I DO NOT have a contract with them. They are not the original creditors. I have never done business with them and I do not owe them any debts. 


-NO CONTRACT
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 XXXX XXXXXXXX Account Number XXXX Account Name : XXXXXXXX XXXX Account Number XXXX Account Name : XXXX XXXX Account Number XXXX has violated my rights. Or 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 or other personal consumer reports

[ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX, De XXXX ] [ XXXX ] [ XXXX ] Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Formal Dispute of Inaccuracies in Credit Reporting Dear CFPB, I am submitting a formal complaint regarding inaccurate and inconsistent reporting on my credit report concerning the account identified as Account Number XXXX by XXXX and XXXX by XXXX. 

Specific Issues with the Reporting : Account Number Discrepancy : XXXX reports the account number as XXXX, ** while XXXX lists it as XXXX This inconsistency raises concerns about the accuracy and reliability of the information being reported. 

Late Payment Reporting : Both XXXX and XXXX indicate a 30-day late payment in XX/XX/year>, yet my records show no such delinquency. The creditor has failed to provide documented evidence to substantiate this claim, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

Payment Status Conflict : Despite both bureaus reporting the account as " Closed '' and " Paid, '' the inclusion of a late payment inaccurately portrays my payment history, which could adversely impact my creditworthiness.