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

Equifax XXXX XXXX XXXX, XXXX XXXX XXXX Subject : Request to Block Fraudulent Information Pursuant to FCRA 605B Dear Sir/Madam, I am writing to formally request, pursuant to FCRA 605B ( XXXX U.S.C. XXXX ), that Equifax block the following fraudulent information appearing on my consumer credit report. This information, which is the result of identity theft and fraud, must be blocked within XXXX business days of your receipt of this complaint. 
The fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX I Opened : XXXX  Account Number : XXXX XXXX XXXX Opened : XXXX Account Number : XXXX XXXX XXXX XXXX Opened : XXXX Account Number : XXXX XXXX XXXX  Opened : XXXX Account Number : XXXX These accounts have resulted in fraudulent hard inquiries and collections being reported on my credit file. I have attached a list of the hard inquiries in question and a copy of my consumer FICO credit report maintained by Equifax, which includes the fraudulent accounts, collections, and inquiries mentioned above. 
I do not recognize any of these accounts, collections, or inquiries as legitimate. These items were not opened, made, or initiated by me and are entirely the result of identity theft and fraud. 
As proof, I have included a copy of the FTC Identity Theft Criminal Complaint ( Case # : XXXX ) which confirms that the accounts, collections, and inquiries in question are the result of identity theft. 
Fair Resolution Requested : I request that Equifax block all of the fraudulent accounts, collections, and hard inquiries identified in this complaint from my consumer credit file, pursuant to FCRA 605B ( XXXX U.S.C. 
XXXX ), within four business days of receiving this complaint. Additionally, I ask that all written correspondence regarding this complaint be sent to me via email at XXXX. 
Thank you for your prompt attention to this matter. I look forward to confirmation that these items have been removed as requested.
Product: Credit reporting or other personal consumer reports

I am in a divorce and my soon to be ex-wife has been changing all my personal information to her email and address on various credit cards using the below information. 

XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX and various email addresses ending XXXX I have not autorized her to use any of my accounts and she is using the cards in my name.
Product: Money transfer, virtual currency, or money service

Paypal Hold my money, after I fixed the shipment info they said I'll be able to get the money after 7 days but then it's been 10days already but the money is still on hold. I am not sure if this is some mistake as I assume it has to be. There were several holds they've done to me and it feels so inconvenient. I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir, I have run the Experian Credit Report dated XX/XX/2018, Experian kept on reporting false information on my credit report. I have communicated my personal information multiple times name, address, SSN, date of birth and various identification details. Experian kept on mentioning wrong details of name and address. I have also communicated to CFPB as well as Experian Multiples times on my name, address and various details. Experian have communicated to CFPB that they correctly mentioned my name and address, again they mentioned various wrong details of my name and address. 
Could CFPB kindly direct Experian to disclose the details of the creditor, who reported the wrong name and address in the credit report dated XX/XX/2018. 
Could CFPB to take appropriate action against Experian for entertaining wrong name and address in my credit report for granting access to creditors even though it was notified to Experian multiple times through CFPB and all the complaints are part of the record.Could CFPB kindly direct Experian to remove the wrong name and address from credit report. Experian holds the accountability and responsibility for creating troubles to consumers and keep entertaining the wrong names and addresses in my report.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of inquiryXXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXXXXXX XXXX  Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX, XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXXXXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXXXXXX XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX  XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry XX/XX/XXXX & XXXXXXXX XXXX XXXX  Date of inquiry XX/XX/XXXX
Product: Bank account or service

i made a deposit yesterday and my account was in the positive. this morning they charged me {$12.00} for overdraft. i have overdraft protection on the account in the amount of {$70.00} and the amount they said the account went {$4.00} in the negative. i looked at the account this morning and it was never in the red or minus and yet they charged me {$12.00}. last month they charged another overdraft fee of {$12.00} for the {$0.00}, that 's right, XXXX XXXX cents they said they had to cover. again the account on line was never had a negative balance
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of Education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has 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 : It also states that a consumer reporting agency can not furnish an 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 or 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

I did not authorize these inquiries. My personal information has been nreached multiple times. Please remove these inquiries immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I have requested a copy of a free consumer report regarding me and have not received one as of yet.
Product: Credit reporting or other personal consumer reports

Transunion lowered my credit score and they refuse to fix it. The other bureaus did not lower my score. But transunion did by XXXX points due to an error on my XXXX XXXX XXXX XXXX that was eventually fix by XXXX. But upon trying to speak to Transunion they couldnt even give me a reason for the drop in my score or would they justify why they dropped my score significantly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written and requested validation of this debt from portfolio recovery and still have not been provided with validation that this debt is mine that is being published on my credit file.
Product: Debt collection

Recently I received a letter from ERC in an attempt to collect a debt that I do not owe. The letter is claiming that I owe {$840.00} to XXXX XXXX/XXXX XXXX. This debt is NOT mine as I've never had a XXXX XXXX/XXXX XXXX. I've attached the letter they sent me.
Product: Debt collection

I received an email from TrueAccord on XX/XX/2018 about a XXXX account that they wanted me to pay. I replied back on XX/XX/2018 and I asked them to please Verify the alleged debt and they sent me some sort of billing statement on XX/XX/2018 instead. Can you please look into this for me? This does not verify anything.
Product: Credit card or prepaid card

This is a renewed dispute from XX/XX/ for a charge on XXXX  for {$800.00} from XXXX XXXX XXXX original complaint # XXXX. I made an agreement with XXXX XXXX XXXX company for {$1700.00} on XX/XX/ for house rep. {$800.00} was supposed to be used to replace the rotting siding on the chimney. He didnt replace the rotting chimney siding nor did he present a copy of his order for the wood. He cleaned the rotting siding by sanding and repainting it and putting it back on the house which was not the agreement. I used my Chase card ending in XXXX to pay for the work. Per XXXX rules : Im guaranteed and protected from fraud as well as have XXXX liability for products I bought but didnt receive. You dont pay for what you dont get. I paid {$800.00} for siding that XXXX XXXX XXXX didnt buy. I disputed the charge because not only did I not get what I paid for but I had to pay another company to buy and replace the wood siding. I presented the paper work and pictures to show that. Chase wanted a second opinion which was highly unusual and a pretext to avoid refunding the claim.in these. The courts only required proof of purchase and repairs. I am not responsible for the XXXX transaction for siding that I paid for but did not receive. I want my money back. Attempts made by Chase and me to contact the owner by phone were ineffective. The new XXXX  rules were not in place when I filed the original complaint and Chase never refunded my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes the Bank of America made a mistake on my bill on XX/XX/2019 they called it a accounting error. This is only after my complaint # XXXX was resolved. My problem is from XXXX through present I have been charged interest on the ERRORS AMOUNT! This has been a nightmare that reck my credit score only because of the bank not caring for people. I really hope they find how to deal with people that we don't have to put in complaints with you. There were countless times I tried to resolve this and here we are. Again the bill at BANK OF AMERICA AGAIST MY NAME IS FROM THIER ACCOUNT ERROR & INTREST THAT CAME FROM THAT ERROR. So if anything I hope they get the account corrected and resolve any damaged done from thier mistake!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not responsible for this account. Please have Equifax stop reporting me late 19x This is destroying my credit. I am being denied credit for the most basic store cards to help try and get some kind of cash back $ so I can actually save some money
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX of XXXX XXXX, XXXX notified me that I had a payment due from prior address before I could turn water on at new home. Paid bill immediately with credit card over phone. 
Finding out it had gone to collections, asked company why they did not utilize phone number, address, and emails provided to contact me, their reply was to interrogate when and what time I called about debt. 
They seemed more interested in covering their actions than assisting with discovery as to why I was never notified. 
My credit rating of over XXXX now at XXXX, and XXXX not assisting with investigation at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these items XX/XX/XXXX after noticing them on my credit report along with other fraudulent accounts. I disputed this particular item with others XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX correspondence was even sent from Chase stating they were masking them and deleting. this has not happened to date and keeps coming back as verified. I have sent copy of police report as well and requested the full description of how the investigation and reinvestigations were performed and never have received anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Remove Inaccurate Information from my Credit Reports. Account # -XXXX To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error : AMEX Account # XXXX 1. The highest balance show {$0.00} on XXXX and XXXX while showing {$1000.00} on XXXX. 

2. Delete because inaccurate information reporting. The date Last Verified is XX/XX/XXXX on XXXX while having no verification dates on XXXX and XXXX. 

3. Delete because inaccurate information reporting. The Date Opened is XX/XX/XXXX for XXXX and XXXX while showing XX/XX/XXXX on XXXX 4. Delete because inaccurate information reporting. Creditor Type is " All Banks '' on XXXX, " Banks and Credit Cards '' on XXXX, and " Banks '' on XXXX. 

5. Delete because inaccurate information reporting. Last Payment is XXXX XX/XX/XXXX on XXXX while not showing a Last Payment on XXXX and XXXX. 
The following account is not mine Please remove this inaccurate information from my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely,
Product: Checking or savings account

My chase account got closed because someone put a fake check in it
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX had posted 3 collection accounts on all 3 of the credit reporting companies - XXXX XXXX, XXXX & Equifax. one for {$30.00}, one for {$100.00} and one for {$70.00}. These accounts were paid to the collection agency and I have in my possession a letter from the XXXX XXXX XXXX dated XX/XX/2019 that all 3 of these have been paid and satisfied. XXXX XXXX acct # XXXX. I have requested to all 3 credit agencies by letter and by multiple phone calls to have these removed from my credit file.

To date of this complaint, XXXX XXXX & XXXX have deleted these from my credit file. Equifax is REFUSING to remove them and inform me that they will remain for 7 years even after being satisfied. I spoke to XXXX XXXX XXXX and they informed me that they electronically submitted the information on XX/XX/2019, that the accounts have been satisfied and can be removed. I have spoke to several people at equifax and none of them informed me until today that these can not be removed which is innacurate as the other 2 reporting agencies have done it. they also refused to give me a supervisor to speak to. These agencies have way to much power over our lives. 

PLEASE HELP ME!
Product: Mortgage

Home was closed on in XX/XX/XXXX, conventional loan with XXXX XXXX XXXX, payments made were never reported to credit bureau, after being told of payments were made on time for first XXXX months, home would be refinanced with lower XXXX, called and company said they do not do that, loss mitigation packet was completed in XXXX of XXXX, never received answer til XXXX of XXXX where I was denied due to lack of income.
Product: Credit reporting, credit repair services, 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, defamed my character and caused undue stress : XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX 12 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) 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 the records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

The reporting of these accounts is a violation as I have not given written consent to furnish, my privacy has been violated and I have reason to believe the data reported is inaccurate since they do not match across any consumer reporting agency. DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT.

Please send me an updated report upon completion of my request.
Product: Credit card

Creditor broke Fair Credit Reporting Act : Privacy right breached 15USC1681602. Account info cant be shared without my written consent 15USC1681 604a2. Payment on credit card cant be considered late 15USCS1666b. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ). It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Prepaid card

Rush CardI have been a member of Rush Card since 2007, Prior to Rush Card upgrading there system on XXXX XXXX, there have always been different issues that have come up, and honestly I should have discontinued this service a long time ago. Now since there upgrade this weekend, my card is no longer active, I am being declined when I try using it. I can not take funds from the bank. I can not see my account online b/c the online account does n't come up, and when u call there number it will either keep ringing, disconnect or number invalid. 

I called to check my balance on Sunday, no answer. I kept calling got lucky a little, b/c the rush card automatic system came on, it took a minute but I was able to put my info in through the phone line and it said my balance was XXXX. I need to know where is my money, b/c I had/have money in that account. 

My direct deposit is also scheduled to hit today and when I tried canceling it with my company it was too late, so now all of my pay check is in this account, in which I do n't even know if this *** company is still in business. XXXX XXXX some of us need our money, unlike yourself. I also agree with the last persons review. Your call center reps all need to speak clear English. 

I called the company number and literally fell asleep. Woke up 2 hours later, and I was still on hold with the hold music. As of today XXXX XXXX. I have finally received my direct deposit, but not all my money that was originally in the account. It 's to much trying to get thru, it was n't a whole lot, so once my direct deposit kicked in I have now cancelled the card and service. This is the worst experience and I will never look back at this company. I do want compensation for the inconvenience and would love to be a part of a class action law suit, if one exists or start my own.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX, # XXXX XXXX XXXX  XXXX, # XXXX XXXX XXXX  XXXX has 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

XXXX attorney at law sent a threatening letter implying it 's law offices were part of a collection team, out to sue me for XXXX dollars. 

They are connected to Southern Credit Recovery, they " charged off '' my debt even though i had paid it, and never actually wrote it off.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The Experian and XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/account/information below : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2014 Balance : {$0.00}
Product: Debt collection

Portfolio Recovery Associates is claiming that I owe {$710.00} in debt " via XXXX '' but will not resolve the problem without a police report, who have told me a report likely wouldn't accomplish anything. 

The debt is the result of my identity being compromised in XXXX 2020 where several fraudulent transactions occurred through my XXXX banking XXXX and I lost my phone number on XXXX, XXXX by the same perpetrator.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I received an alert from XXXX stating that I had an inquiry at Security Finance. I did not visit this business nor did I speak to anyone on the phone concerning a loan. When I called to see why my credit report was obtained, I was informed by the manager that she mistakenly ran my credit. I'm not exactly sure how someone can do this by mistake because an application has to be completed in order to apply for a loan, and my social would not have been on this application because I never completed one. She informed me that the she had to contact her supervisor to get the inquiry removed. I filed a dispute with XXXX and the result was that it was legitimate. They did not even contact the company, yet told me that I had to contact them to get it removed. Here we are nearly a month later and this inquiry is still on my credit report which has decreased my score.