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

This is my 3rd endeavors to tell the 3 credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1500.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX XXXX XXXX Balance : {$860.00} XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX Balance : {$930.00} XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account numberXXXX, 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 See Below for credit reporting account informaion : XXXX Account XXXX XXXX XXXX Account number123524X XXXX XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX XXXX Account XXXX XXXX XXXX Account number XXXX Original creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX Transunion Account XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX
Product: Debt collection

I requested the firm to send me validation not verification of the debt. I asked for the purchase and sale agreement. As per the vendor 's response, they are not obligated to respond to the consumer 's request for a copy of a purchase and sale agreement and they decline to do so. 

How am I supposed to verify that they in fact own the debt if they can't or won't produce the purchase and sale agreement? How can anyone confirm that the amount they claim Is owed on the debt is what they paid for the debt without the purchase and sale agreement?
Product: Debt collection

This account was original with XXXX 's XXXX and they was sold to another company. I have paid this account with the collection agency. I have called and let them know so far nothing has been done.
Product: Credit card

My Phone was stolen on XX/XX/year>. 
The thieves were able to access my checking account and charge items on my Citibank Mastercard When they accessed my checking account the thieves were able to submit an ACH payment to Citibank in the amount of {$1200.00} so they would have more available credit on my Citibank account to perform fraudulent charges. 
I notified Citibank and reported it on XX/XX/year> and they re-issued me a new card. I also notified them of the stop payment and reason. 
Since I have had my Citibank Mastercard they have been reviewing my credit report and lowering my credit limit based on my credit score even though I never made a late payment and my credit usage was below 30 % On XX/XX/year> I received a letter from Citibank closing my account for 1 one or more late payments or returned payments. 

I have not made any late payments My credit limits have been arbitrarily lowered. 
I notified Citibank of the stop payment of a fraudulent payment and anew card was issued. I have enclosed a validation letter from XXXX XXXX indicating that the {$1200.00} transaction was indeed fraudulent and not completed by me. 
I would like Citibank to reinstate my credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to lift my credit freeze with XXXX, Transunion, and XXXX, but I do not have a pin number, I was never sent one. I also can not get through to these three agencies and speak to a live human being about this. Please help me. 

XXXX XXXX XXXX. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Toyota Motor Credit Corp explaining that I never received a Notice of Disposition which is federal law UCC 9-611 ( B ). Toyota responded with a letter that I Disputed the accuracy of the account and that's not what I asked them for
Product: Credit reporting or other personal consumer reports

I recently discovered that fraudulent accounts were opened in my name without my knowledge or authorization, likely due to identity theft. These accounts, reported by 1st Progress/Synovus First Progress , have been inaccurately added to my credit report. I did not open or authorize these accounts, and I have taken steps to dispute their validity. 

On XX/XX/year>, I reviewed my credit report and noticed the fraudulent accounts with the following details : Creditor Name : 1st Progress/Synovus First Progress Account Status : Reported as active and/or delinquent Actions Taken by Me : I contacted the credit bureaus ( XXXX, XXXX, and XXXX XXXX to dispute the accounts and requested their removal under the Fair Credit Reporting Act ( FCRA ).

I submitted documentation to the credit bureaus explaining that the accounts were fraudulent. 
I am in the process of filing an Identity Theft Report with the Federal Trade Commission ( FTC ) to further support my dispute. 
Actions by the Company : The credit bureaus have not resolved my dispute, and the fraudulent accounts remain on my credit report. Despite my attempts to communicate the issue, the companies involved have not provided validation of the accounts or taken corrective action as required under the FCRA. This has negatively impacted my credit score and financial well-being.

What I Am Requesting : I am requesting the removal of all fraudulent accounts associated with 1st Progress/Synovus First Progress from my credit report. Additionally, I am requesting that the companies involved investigate these accounts thoroughly and comply with their obligations under the FCRA to ensure accurate reporting.
Product: Credit card

I had a {$0.00} balance. I did not use the card. However, I received a new charge. It was for an annual fee. Because I did not use the card, as Ive mentioned the card had a {$0.00} balance, the avant representative told me in a email I would receive a courtesy credit. I never received the credit. They are adding late fees when there shouldnt be a balance in the first. 
They are now refusing to talk to me via email. This is making a negative impact on my credit and they need to stand by their words and make my account {$0.00} again.
Product: Mortgage

The problem is the same. It's a fraudulent company wanting payment. They do not have a signature from me giving them consent to receive any payment from me, period. Yet they continue to write and send bills. And my name is on that property deed, not Shellpoint, whomever they are. They are corrupt and this bureau needs to file a complaint for fraud, corruption, RICO. Do I need to go any further?
Product: Vehicle loan or lease

Good afternoon, I'm not sure how to go about getting these hard inquires removed from my credit report. A car company ran my credit numerous times after I said I was using my Credit Union. 

Down below are the dates listed and companies used to pull my credit : XX/XX/year> : Lendmark Financial Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you!
Product: Consumer Loan

I purchased a new car from the FORD dealership. Since then the car has XXXX recalls and starting to have other malfunctions since then. The Ford dealership stated that they would order a clutch that is needed ; I have not heard anything from Ford. I fail behind on the payment for the last 2 months and they are threatening repossession.
Product: Credit card

This is a complaint for the XXXX XXXX XXXX XXXX XXXX with Chase. This card advertises a companion economy ticket whenever {$30000.00} in spending is reached in a calendar year, plus priority boarding on all XXXX XXXX flights leaving the XXXX and XXXX. I have had to endure XXXX weeks of phone calls to the XXXX to contact XXXX, XXXX to contact XXXX, and Chase to try and get the companion ticket that they claim should be automatically sent either to my email or home address. All 3 companies point the finger at each other. Additionally, none of their gate agents in either the XXXX or XXXX are aware of the priority boarding that is part of the cardmember agreement and I have to argue pulling up websites and have often gotten denied in embarrassment. XXXX is shocking that there is a {$95.00} annual fee and I am doing all the work.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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
Product: Checking or savings account

A bank account with Wells Fargo was opened using my personal identifying information. I have alerted Wells Fargo and placed a freeze on that account. They have opened a fraud investigation. 

Date of account inquiry/opening : XX/XX/2022 I have no data on the actual account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act XXXX Account numbers, XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights.

15 USC 1681 Section 602A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under a open consumer credit plan as late for purposes.
Product: Money transfer, virtual currency, or money service

Fraud scam on money transfer from bank to XXXX XXXX Claim number- XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX and I am contacting you because all 3 credit bureaus are still sending my personal information to the wrong address as well as false reporting balances on my credit cards that I have already paid off but the credit bureaus are reporting that I owe high balances which is not true. I have been having issues with these 3 credit bureaus for yrs now and I would appreciate it if they were made to correct the mistakes I keep making them aware of. Let me first start by saying my correct mailing address is XXXX XXXX XXXX XXXX ny XXXX and this is the only place any response should be sent. Secondly my only phone number that should be on my credit report is XXXX any number besides this number is fraud. Thirdly the balances on my XXXX XXXX, XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX card need to be updated with correct balances because the credit bureaus are reporting balances that are incorrect. Also there is several addresses on my XXXX report that are fraudulent and do not belong to me and I would like removed. The only two address that should be on my report is my former address which is XXXX XXXX XXXX and my current address which is XXXX XXXX XXXX XXXX ny XXXX. Also my Equifax report is not showing my employer which should be on my report which is XXXX XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I can not access my account for almost a month as it is locked and my mobile phone to access it stopped working. All they needed to do was remove 2 factor authentication for me so I could set it up on my new phone. Instead, they locked my account and I can not get them to respond to many, many messages and calls. Im stuck in a black hole of automated emails and replies that are going no where. I do n't even know if they are still working on my issue. I ca n't access my funds ( digital currency ) for almost a month now and meanwhile one of my digital coins is going down in value. 

Help! 
PS : None of the attached emails that appear to have solved the problem actually worked ...
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, I was informed by the IRS Criminal Investigations that my identity had been stolen. On the same day, I froze my credit reports and submitted a fraud complaint to access the improved credit protections. 

Also on XXXX XXXX, I had to call Equifax to login to my account to check my credit. As part of that call, I requested that Equifax mail me a paper copy of my credit report since I would be unable to login for up to a week while they researched the issue. 

On XXXX XXXX, I called Equifax to inquire just where my credit report might be, and to inquire ( again ) on how to login to the website. I was able to get satisfaction on the login issue - but was told that my paper credit report was mailed to a previous address of mine that I have not lived at for 2 1/2 years. On my credit report online, I can see that the address that the report was mailed to does show as a previous address - and my correct current address is shown correctly. Worse, there was nothing that Equifax could do for me, after mailing my life history to a stranger.

What type of remedy is available to me? How do I retrieve that report, or verify that it hasn't been used maliciously or given to someone else?

I am appalled that a business *that I never gave permission to access my personal information* could be so careless with that information, and then wash their hands of it.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Mortgage

loan # XXXX I refinanced my Mortgage after it was transferred to Freedom Mortgage phone # XXXX, spoke with XXXX ID # XXXX In the process of refinancing both myself and my refinance escrow company spoke with Freedom about a payoff and refund of my tax impound account. 
I was first told that they would send a refund check to me when the mortgage payoff was made to them. 
The payoff was made on XX/XX/18, from XXXX XXXX XXXX, the balance due me from the escrow account was XXXX and instead of sending it to me after it closed they send it to the County of XXXX XXXX XXXX on XX/XX/18 to double pay the taxes I already paid through escrow so that the new loan would fund. 
Upon calling both the County of XXXX XXXX XXXX and Freedom Mortgage I can now not get that refunded to me in any timely manner. It takes a month for the County to refund Freedom Mortgage and up to 30 days for Freedom Mortgage to refund me after they get the money from the County.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a debt from XXXX XXXX, and it was first made more than XXXXyears ago. But yet all of the credit agencies and XXXX XXXX are saying that the account was opened this year. I have not made any payments, no collections have been made, and I have not contacted them nor they contacted me. So the dates are being forged. Also the original creditor. ( XXXX XXXX ) sold the debt to a company called XXXX XXXX XXXX or something like that. And as far as I am aware, it is illegal for them to trade/sell the debt to another debt collector.. and that they have to first even ask me if it can be on my credit report. 
I believe that after XXXXdays the debt collection agency is no longer able to try and collect this debt from the debtee which they have tried to do.. I receive phone calls at random intervals and times from debt collectors, but I do not tell them who I am so it won't be a " contact '' for them. 

Please look into this and remove it from all of my credit reports. Thank you.
Product: Credit reporting or other personal consumer reports

TransUnion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as TransUnion inaction violates federal law and my rights as a consumer. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never opened a XXXX Credit card with XXXX XXXX ending in XXXX. I am in the process of disputing this account from my credit reports opened in my name in XXXX and XXXX. The XXXX account shows it was closed and the XXXX account shows it is still active and open. I have been out of the country for over 6 years and never shop at XXXX. Their fraud dept sent me a letter and I am very concerned because this is ruining my credit & the balance is very high. Please help me remove this from my credit history. The credit bureaus advised me to file a fraud complaint with the FTC regarding any fraudulent accounts opened in my name. The second account is XXXX XXXX  and XXXX which I never opened with high balances that were put into collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

debt collection agency Automated Accounts Management Services acquired my protected healthcare information, ( lab work performed, symptoms, diagnosis, treatment ) from  Hospital XXXX XXXX XXXX in XXXX. I never asked for my PHI to be shared with this fraudulent collection agency. I have filed numerous disputes and complaints. The fraudulent debt in question was removed from all 3 credit reports. Then 2 weeks later, XXXX  allows this company to turn around and re-report this debt that I'm not liable for. I have filed HIPAA complaints against the hospital and would like to see this company get fined for their disgusting business practices. They have shared my PHI with all the credit bureaus and I am in the process of seeking legal counsel.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I requested that a collection account that was placed on my credit report be removed because it had not been " Validated ''. I requested that Equifax " Validate '' not verify this account and supplied them with the documentation that the company had sent me as validation of the debt. This documentation did not have anything with my signature on it or anything that I requested from them to validate the debt. None the less Equifax responds with they have verified the account. That was n't what I asked them to do again I asked that they validate it. The other issue is that a previous collection agency had place the same debt on my credit file and after requesting that they validate the debt, Equifax removed it and they to only furnished a bill as validation. So now I do n't understand how Equifax ca n't validate on collection agency but can verify the other based off the same information that was submitted to them. Seems to me that Equifax is practicing some illegal and unfair practices based on how they feel at the moment and not based on the laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I filed a police report because I noticed fraudulent activity on my credit report. This is an on going issue with fraud on my identity. I have multiple fraudulent accounts that still remain on my credit report and due to these fraudulent accounts my credit report has been negatively impacted severely. These three credit bureaus, ( XXXX, XXXX, and XXXX ) have been reporting fraudulent accounts without the proper legal validation as per the Federal government. Once my identity was exposed, fraud has been reoccurring from the lack of proper screening by XXXX, XXXX, and XXXX  on these non validated accounts.. Before I proceed to litigation and start my filing of an order to show cause through the courts, I demand these fraudulent accounts be removed immediately. I have been advised by my local police department to file these complaints as the next step.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was never a late payment. The name of the Company is XXXX XXXX XXXX XXXX. The company has numerous of scam issues against them. Yet Equifax, XXXX, and XXXX have enable them to falsely report information. Saying that the information is verified without asking for any proof. In fact, I do not owe XXXX XXXX XXXX XXXX anything nor I was late. Please proof that I was late!