23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I had 6 business and 10 personal credit card accounts all closed in early XXXX. I requested information over the phone but was not given a reason for account closure. A letter was mailed saying rewards misuse was the stated reason, however no specific action that I took was mentioned as a specific instance of rewards misuse. 

I pay all accounts in full every month, and had initiated a large transfer with my Chase rewards during a bonus transfer period to XXXX. I imagine this may have triggered a shutdown of my account, as this was the only significant use of rewards I have had in the last 6 months, but I do not know why.
Product: Student loan

I got a loan in the amount of {$1800.00} in XXXX of last year for XXXX to go with XXXX. I ended up not completing the course and stopped attending classes in the end of XXXX early XXXX of last year. I've been having trouble repaying the loan due to unemployment. I have reached out to the company and they will only accept full payment or really high monthly payments. I would like a decreased amount to pay off the loan if that's possible or deferment. It's affecting my credit score horribly. It is now XXXX of 2022 and I would like to get this resolved in a timely matter.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX. XXXX. Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, XXXX, Experian and XXXX 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 Experian : collection account at XXXX XXXX XXXX, opened on XX/XX/XXXX under account number XXXX with a balance of {$740.00}, collection account with XXXX XXXX XXXX with account number XXXX, opened on XXXX XXXX with a balance of {$1100.00}, collection account with XXXX XXXX, with account number XXXX, opened XX/XX/XXXX with a balance of {$1300.00}, collection account with XXXX with account number XXXX opened on XX/XX/XXXX with a balance of {$750.00} ; collection account with XXXX XXXX with account number XXXX, opened on XX/XX/XXXX with a balance of {$4600.00}. 
These accounts have resulted in hard inquiries fraudulent collections appearing on my consumer XXXX credit report. Attached is a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, as reported. The aforementioned accounts, collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, are the result of identity theft and ineesitofCentythetand fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any following items on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the following items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$4100.00} ; XXXX XXXX Balance : {$350.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1400.00}. 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DISPUTE THIS ITEMS OFF MY CREDIT REPORT. THIS ITEM WAS OFF MY CREDIT REPORT NOW ITS BACK ON MY CREDIT REPORT NOW ITS DAMAGING MY LOANS AND CREDIT IAM GETTING XXXX. THIS WAS NOT ON MY CREDIT. PLEASE BLOCK THIS ACCOUNT AND KEEP IT FROM COMING BACK ON MY CREDIT THIS IS THE THIRD TIME THIS HAPPEN. XXXX NEED REMOVE OR THIS ACCOUNT
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit profile and noticed inaccuracies and/or incomple

te information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. It is also my understanding that Under the FCRA 15 U.S.C. $ 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, I
NCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immedately The infractions are as follows : Alleging Creditor and Account as is reported as having a late payment my credit report : Accounts- XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Up reviewing my consumer credit report I discovered some late payments on my accounts which I have always maintained timely payments. Consumer reporting agencies play a major role in reporting accurately consumer information. According with the fair credit reporting act XXXX 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 rights to privacy. 15 U.S.C section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without written instructions.

U.S.C 1666B : A creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any reason. I demand that these payments be updated to reflect their true status as paid on time.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiry. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiry XXXX XXXX XXXX XXXXXXXX of inquiry : XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : {$48000.00} ; XXXX  XXXX Balance : {$360.00} ; XXXX  XXXX XXXX Balance : {$340.00}
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 and confidentiality under 15 U.S.C. Sec. 1681. 


I told the XXXX, XXXX, and Equifax to reinvestigate these accounts ( XXXX  XXXX XXXX ), ( XXXX XXXX ), ( XXXX XXXX XXXX ), ( XXXX XXXX ), ( XXXX XXXX ), ( XXXX XXXX XXXX ), ( XXXX XXXX XXXX ( XXXX XXXX XXXX ), ( XXXX XXXX XXXX ), ( XXXX ).
Product: Debt collection

Contacted a family member- I had been communicating with the agency and trying to decide how to handle the matter, and they started calling family members.
Product: Debt collection

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that XXXX and XXXX XXXX are having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Below is the erroneous account reporting on my Credit Report : 1. MERCHANTS CR XXXX Balance {$70.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day, i was looking at my report and noticed and an unauthorize inquiry that i didn't give authorization for, please can you kindly take this of my credit report? ( delete ) According to the F.C.R.A ( Fair Credit Reporting Act ) legall this unverified and Unauthorized items must be remove,
Product: Vehicle loan or lease

I received a response from Wells Fargo dated XX/XX/2021, attached hereto. Wells Fargo has failed to answer each of the Facts stated in Affidavit of Truth they received on XX/XX/2021. Wells Fargo failed to pay the Invoice previously sent to compensate me for violations. Wells Fargo has failed to comply with Cease and Desist previously sent which requires Wells Fargo from cease and desisting all forms of communication with me through any and all mediums. Which includes reporting this account to my consumer reports. A consumer report is in fact a medium. Which means it's a communication. So to fulfill the demand of cease and desist, a deletion of the account is required. By Wells Fargo reporting anything, it is a indirect communication.
Product: Mortgage

I refinanced my mortgage in XX/XX/2021 with 20 % equity in the loan and did not want to escrow my insurance and taxes as indicated in my loan documents and permitted under the law given the amount of equity I have. Lakeview Loan Servicing set up escrow, and I requested a few months ago to cancel the escrow after Lakeview increased the escrow payment by XXXX per month to establish an additional reserve amount in the account. Lakeview communicated that the loan requires escrow for five years. I requested that they provide proof that the loan documents contractually require me to escrow. After numerous phone calls to the escrow department, including three transfers to the escalation department, Lakeview has not been able to locate a contract document that requires me to escrow, yet continues to refuse to cancel the escrow. The escrow payments are causing me damages of over {$1000.00} per month.
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 Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  has violated my rights. Or a 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

Experian 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 Experian, 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 Experian has neither corrected nor removed 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 Experian 's inaction violates federal law and my rights as a consumer.
Product: Debt collection

National Credit Systems states that I owe XXXX XXXX XXXX XXXX I have never signed a lease for the XXXX XXXX XXXX XXXX property address. I have asked for this item to be taken over my credit report for over a year, but it is still there. I asked for verification of the debt, which would be a copy of the lease with my signature, but I am still waiting to receive it as of today. I asked for it to be emailed, but they said they couldn't ; I asked for it to be faxed, and they said it couldn't be faxed, so they mailed it on XX/XX/2023. They send me a payment history that doesn't have my name on it, and they tried to say since I made a payment on it I am responsible for it. I have never heard of this. Even with looking through the history, there is nothing that shows my name. I want this removed off of my credit ASAP because I am not responsible for this debt. I don't know if it is the collection agency or the original creditor or both that is causing this issue to my credit
Product: Money transfer, virtual currency, or money service

I while back ago maybe like XXXX  I had sent money to someone but it was the wrong person. Dont realize until the person told me they didnt receive anything. When I contacted my bank in regards to this they basically said we cant do anything about it just be careful next time. There was no warning or anything telling me hey double check this is who you want to send it too.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I've called TransUnion and all creditors about the following fraudulent unauthorized hard inquiries and negative accounts that are reporting on my credit report. Nothing has been done about it and I did inform both companies that I would be filing a complaint, XXXX 1. Creditor : XXXX  XXXX inquiry date XX/XX/XXXX 2. XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX 3. Creditor XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX, Creditor XXXX inquiry date XX/XX/XXXX 5. Creditor XXXX inquiry date XX/XX/XXXX 6. Creditor XXXX XXXX inquiry date XX/XX/XXXX 7. Creditor XXXX XXXX Inquiry date XX/XX/XXXX 8. Creditor XXXX credit inquiry date XX/XX/XXXX 9. Creditor XXXX XXXX inquiry date XXXX 10. Creditor XXXX inquiry date XX/XX/XXXX 11. Creditor XXXX Inquiry date XX/XX/XXXX 12. Creditor XXXX inquiry date XX/XX/XXXX 13. Creditor XXXX credit inquiry date XX/XX/XXXX 14. Creditor XXXX inquiry date XX/XX/XXXX 15. Creditor XXXX inquiry date XX/XX/XXXX 16. Creditor XXXX inquiry date XX/XX/XXXX 17. Creditor XXXX inquiry date XX/XX/XXXX 18. CreditoXXXX XXXX XXXXXXXX XXXX inquiry date XX/XX/XXXX listed below are unauthorize fraudglent accounts that were opened in my name. 

1. Creditor XXXXXXXX XXXX XXXX  balance {$4800.00} 2. Creditor XXXX balance {$2200.00} 3. Creditor XXXX balance {$58.00} 4. CreditoXXXX XXXX Balance {$18.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert from my credit monitoring service informing me that I have two accounts in collections on my credit report from two different payday loan agencies,. XXXX XXXX and XXXX XXXX XXXX. I contacted each of them and they both stated that these accounts were opened in 2013. Until know, I have not heard from them via mail, phone nor email. I have not opened either of these accounts but I do recall closing a bank account after discovering fraud after a move and losing a checkbook. I have filed a police report in my city and reported this incident to my bank,, I don't like the fact that I have not heard from these agencies to dispute but it appears on my credit report at a critical time as I am attempting to buy a house and it seemingly came out of nowhere. My credit score has dropped almost 70 points due to this.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. These items I need deleted contain inaccurate information and must be deleted as soon as possible. I am a victim of identity theft and did not make these charges. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's identity Theft Affidavit. Please delete the items as soon as possible.
Product: Debt collection

On XX/XX/2022, I received an email from my credit monitoring service. It informed me that my credit score had dropped a tremendous amount of points. I logged on and found that CONTRACT CALLERS, INC. had illegally posted an alleged collection account to my credit profile. Prior to the email, I have never heard of nor had an account with this company. My report shows that it is an open account and was opened on XX/XX/2022 with a balance of {$2200.00}. I had no knowledge of this company nor this alleged debt. I have never had any dealings with this company. By federal law, a debt collector is supposed to make contact with an alleged debtor and give them 30 days to validate or dispute. I never receive a letter in the mail that gave me 30 days to validate or dispute this account. I never received a letter stating that I have an alleged debt with this company and owe a balance on that account. Again, I have absolutely no knowledge of this account with them. I understand that, under the FDCPA guidelines for collection agencies, they have to provide ( 1 ) proof that they are the original holder of this debt and can legally hold me responsible for paying this debt and ( 2 ) contractual proof of obligation or an assignment SIGNED from an XXXX from the original creditors corporation that I am supposed to pay them. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right to request validation of this alleged debt they say I owe. I did not receive notice of right to dispute nor did I receive enough information to verify that the alleged debt belonged to me. If I would have gotten anything in the mail or phone call from this company before they illegally reported to my credit report, I would have respectfully requested evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay them this debt. Upon them receiving my validation letter, they would have to legally cease from collection calls, letters, and efforts and delete the account from my credit files until they can validate this debt. But again, I never received such a letter about this account or phone call ever in the mail. They have illegally posted and reported to my credit file without adhering to the FDCPA laws. Im not sure if this company is a scam, but I know that this company has broken FCRA and FDCPA laws by reporting an alleged account to my credit report without informing me through mail or phone and I did not receive notice of right to dispute nor did I receive enough information to verify that the alleged debt belonged to me. My credit score has dropped tremendously in the middle of purchasing a home. Please help me get his account removed immediately. I'm preparing to sue under the FCRA and FDCPA because of the damages to my credit and opportunity costs with the purchase of my home and business ventures that have to be delayed until this illegal account is removed. CONTRACT CALLERS, INC., XXXX XXXX XXXX, XXXX, GA, XXXX, ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Information was removed from Credit reports XXXX, Transunion and XXXX due to Fraud and from there XXXX transferred the debt to another collection agency and also changed the initial date they stated that the account was actually opened defraud the XXXX XXXX XXXX as well as the XXXX XXXX.
Product: Credit card or prepaid card

Discover stole {$2000.00} out of my bank account on the same day that I paid them another {$2000.00} payment. They never returned it. They never credited my account.I called them and spent 14 hours trying to get them to fix this. I have bank statements showing the money that they stole from me. Then they destroyed my credit and it is still destroyed due to their lies to the credit agencies. I have sent them all the proof. They have done nothing. I am in serious financial trouble because of them alone. On XX/XX/2018, I transferred the balance of {$12000.00} to Discover Card. On XX/XX/2018 I paid Discover the final payment I owed for a total of {$12000.00}. I was never late. Enclosed is a statement from Discover and bank statements showing eight payments made : XX/XX/18 : {$360.00} XX/XX/18 : {$300.00} XX/XX/18 : {$3000.00} XX/XX/18 : {$300.00} XX/XX/18 : {$2000.00} XX/XX/18 : {$2000.00} XX/XX/18 : {$2000.00} XX/XX/18 : {$2200.00}
Product: Credit reporting or other personal consumer reports

I discovered a number of unauthorized inquiries on my credit report XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2024
Product: Credit reporting or other personal consumer reports

I have an account saying I have a current balance when I never opened an account. It says I have past balances due and is affecting my credit score.