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

Upon reviewing my credit reports from XXXX and XXXX XXXX, I have identified several credit inquiries that I did not authorize. These inquiries have adversely affected my credit score and potentially exposed me to further financial and identity theft risks. The unauthorized inquiries include but are not limited to : XXXX Mortgage Credit ( Miscellaneous ) - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These unauthorized inquiries were made without my knowledge or consent, and I have not engaged in any financial transactions that would justify these hard pulls on my credit. Their presence on my credit report is erroneous and suggests a failure to maintain secure and accurate records, which is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

And the responses from the Credit Bureaus have been nothing less than fraud, labeling these as factual data for a XXXX person not applying for credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed inaccurate information that may violate 42 U.S. Code 1320d-6 as allowed under the Fair Debt Collection Practices Act ( FDCPA ). I am requesting that you accurately validate the alleged debt. I am unaware of the collection account referenced above. To be clear THIS IS A REQUEST FOR VALIDATION made pursuant to 15 U.S.C 1692g et seq. of the FDCPA.

Additionally, I am allowed under the Health Insurance Portability and Accountability ACT ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission for the release of my medical information to any third party. I am aware that the HIPPA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofold : Validation of debt and HIPAA authorization. 

Please contact XXXX XXXX XXXXARS to furnish a breakdown of fees including any collections costs and original medical charges. XXXX XXXX XXXXARS should also provide a copy of my signature with the provider of service ( s ) granting authorization to release my medical information to any third parties. Cease any credit bureau reporting until the debt has been validated as 100 % accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive reviewed my credit report and happened to come across some information that must be deleted immediately due to being inaccurate.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX IA XXXX RE : Billing Error Dispute Under 15 U.S.C. 1666b - Payment Method Disruption Due to Data Breach To Whom It May Concern : I am filing this complaint under 15 U.S.C. 1666b regarding a late payment reported on my account ( # [ XXXX ] ) that occurred solely due to the suspension and replacement of my payment card following the FTC data breach. 

Account Information : - Creditor Account Number : [ XXXX ] or loan number XXXX - Type : Secured Installment Loan - Original Opening Date : XX/XX/year> Basis for Complaint : 1. I was a victim of the FTC data breach, which led my bank to identify suspicious activity on my account 2. As a security measure, my bank temporarily closed the account and payment card used for automatic payments on this loan 3. During the card replacement period, a scheduled payment was missed 4. This single missed payment was not due to any fault of mine but was a direct result of necessary security measures taken to protect my compromised account 5. My payment history before this incident shows consistent on-time payments, as evidenced by the continuous " OK '' status in my credit report Prior Resolution Attempts : 1. I have contacted the creditor to explain the circumstances 2. I provided evidence of the bank account closure and new card issuance 3. I attempted to resolve this matter directly before filing this complaint 4. The creditor has failed to consider these extenuating circumstances Impact on Credit Profile : 1. This single late payment is now severely impacting my credit profile 2. The negative reporting is disproportionate to the circumstances 3. The late payment notation fails to reflect that this was due to security measures beyond my control Legal Basis Under 15 U.S.C. 1666b : The creditor has failed to : - Properly investigate and resolve the billing error - Consider the extenuating circumstances of the data breach - Appropriately adjust their response given the security-driven nature of the payment disruption Requested Resolution : 1. Remove the late payment notation from my credit report 2. Adjust any late fees assessed during this period 3. Recognize this as a billing error under 15 U.S.C. 1666b rather than a standard late payment 4. Update reporting to all credit bureaus to reflect proper resolution
Product: Debt collection

XXXX ) REMOVE ACCOUNT FROM PERSONAL NAME AND ALL CREDIT BUREAUS AS ACCOUNT IS FRAUDULANT AND IDENTITY THEFT XXXX ) XXXX XXXX XXXX XXXX IS A FRAUDULANT ACCOUNT, ASSOCIATED WITH SERVICES I DID NOT PARTICIPATE IN OR BENEFIT FROM XXXX ) XXXX XXXX XXXX XXXX HAS PREVIOUSLY BEEN REPORTED TO LAW ENFORCEMENT AS FRAUD, POLICE REPORTS PROVIDED TO CXXXX XXXX AND ALL PREVIOUS COLLECTION AGENCIES XXXX ) REMOVE THE COLLECTION ACCOUNT FROM MY PERSONAL NAME AND ALL CREDIT FILES OR I WILL SEEK DAMAGES FOR UNLAWFUL COLLECTIONS
Product: Credit reporting, credit repair services, or other personal consumer reports

I had previously submitted a complaint regarding their continued reporting unvalidated and fraudulent accounts as well as unauthorized and illegal inquiries. They said they would take it seriously in response to that complaint but are still doing the same thing and not correcting the problems as promised. Attached are letters showing items the companies said they removed but they still report and say verified.
Product: Checking or savings account

My nephew unknowingly stole checks from my home. He wrote checks to himself made mobile deposits. My signature on check did not match whats on file. Was never notified of these transactions until after he almost stole XXXX. At that point account was empty. He tried to cash a XXXX check last with the amount section whited out and re written. I have no large bills to pay no mortgage or car note so I dont frequently check my account to see whats in it because I know. I am XXXX XXXX XXXX it was my savings. Wells Fargo which is the bank had me do a fraud report and a police report and has not returned my money to this day. Happened last year around XX/XX/2021 for the last transaction not sure when it started
Product: Debt collection

I am getting calls from XXXX XXXX at XXXX. It is possible he is trying to reach my brother, who may or may not have debt. I do not have contact with my brother. I let XXXX XXXX calls go to voicemail.
Product: Credit reporting or other personal consumer reports

Heres the message translated into English for your CFPB complaint : Dear CFPB, I am submitting this complaint because the account listed as XXXX XXXX Account with the date XX/XX/2019 is incorrectly included on my credit report. This account shows a total balance of {$0.00} and a minimum monthly payment of {$210.00}, which is negatively impacting my credit. 

I would like to clarify that there is no reason for this account to be active or visible on my credit history, as there is no outstanding balance. I kindly request that this account be removed promptly to accurately reflect my current credit status. 

Thank you for your attention to this matter, and please let me know if any additional information is needed.
Product: Credit reporting or other personal consumer reports

I have previously disputed with XXXX and XXXX regarding an account that is inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'mm certain that my rights as a consumer protected under the law have been violated by this inaccurate information. 

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

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
4. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
5. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 6. there is some inaccurate information reporting. 
XXXXXXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account.
Product: Debt collection

I sent letters to Equifax Credit Bureau on the date of the last letter to Equifax was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the lists of the erroneous accounts reporting on my credit report : ( Original Creditor : Medical ) XXXX-Balance : {$170.00} ( Original Creditor : Medical ) XXXX-Balance : {$140.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been dealing with this issue now since XXXX & have yet to receive a resolution. i filed a dispute with all 3 credit bureaus in regards to 3 late payments on my XXXX  XXXX account. XXXX  did not respond within their 30 day time frame so all 3 bureaus deleted my healthy tradeline that i had for 4 years & have paid off to a zero balance. I have spoke to XXXX  XXXX executive office who claims that they are working to fix the issue & it has been months & there is still no resolution, XXXX XXXX is fully aware that a resert needs to be submitted to all 3 bureaus so my account can start reporting again. this is my last resort i made a complaint with CFPB over a month ago & the FTC & they was instructed of what to do & nothing had been done.
Product: Credit reporting or other personal consumer reports

I Sent all three credit bureaus my personal information that should be on my report, name, address, date of birth, employment status they have not updated my info.
Product: Credit reporting or other personal consumer reports

Good Afternoon, On XX/XX/XXXX I was made aware I was denied housing due to my credit background. I have closed, inaccurate and charged off accounts on my credit report. Which is effecting my background checks. I reached out to all three bureaus to fix this issue months and years prior. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, dier any reinvestigation under paragraph on any moriaton disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the tile of the consumer. or moditv that item of information. as appropriate. based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the mile or the consumer Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX  and Transunion are reporting incorrectly ( 30 ) plus days late on the XXXX XXXX partial account numbers XXXX. ( Please see pages 3, 4, 5, 6, and 7 of the attached credit report. ) These accounts are reporting the ownership status as joint. These accounts do not belong to me. I have attached documents of the relevant paragraphs from our divorce decree pertaining to the ownership of the mortgages which clearly show ownership of the properties as the responsibility of my ex-husband. Please see Paragraph 18 ( a ) and 18 ( b ) Allocation Martial Properties XXXX  XXXX  and XXXX XXXX stating 100 % ownership of these properties is allocated to my ex-husband wherein he is solely responsible for the mortgages and other debts and liabilities associated with these properties and he shall indemnify myself ( XXXX ) with regard to same. This incorrect reporting of these accounts is harming my credit score and these line items need to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I contacted LEXISNEXIS about reporting my credit information I will be showing the FCRA Laws that they have broken.
Product: Credit card

I dont have this credit card, nor did i ever recieve this credit car, however it is non my credit report. I would like this whole enitre account shut down and to never open back up! I dont use paypal the first time i ever had an account was just the other day when i made it. And I would appreciate a letter in the mail or even an email stating that paypal will shut this whole account NOW! THANK you very much! XXXX XXXX ADDRESS XXXX XXXX XXXX, XXXX PA XXXX, AND I HAD A STATE I.D TO PROVE THAT AS WELL, ALSO YOU CAN SEND ME AND EMAIL AT XXXXXXXXXXXX thank you very much
Product: Credit card

A person called from a phone number ( XXXX ) XXXX identified as Wells Fargo called me to inform me that a person named XXXX XXXX from XXXX, FL was trying to apply for a joint credit card with my social security number. She said that she was transferring me to the Consumer Financial Protection Bureau and gave me a Case ID # of XXXX. 
Another person then answered a phone and said her name was XXXX XXXX phone number XXXX. She said she was pulling up my file and began to ask me to verify my debt. She had names of my mortgage company and car lease company. It sounded like she was reading off my XXXX data. Then she began to ask me about my credit cards and wanted me to tell her my expiration dates. I began to feel uncomfortable and asked her for her phone number and if I could call her back. But I looked up the CFPB to call and it is closed and the number is different.
Product: Mortgage

Starting the third week in XXXX my escrow balance is {$1800.00} and my principal balance is {$1200.00}, Shellpoint Mortgage will not allow me to used escrow balance to pay off my loan, so I would go online a complain every week since XX/XX/XXXX, but each week Shellpoint Mortgage send me a letter saying, " We are working to gather the requested information and will forward it to you as soon as possible. '' I have received three letters but no answer to my question. I called to talk to a manager on XX/XX/ and was told someone would call me back, still waiting. During the conversation on XX/XX/ I was told to make my monthly payment of {$1500.00} ( {$430.00} is my T @ I ) but I kept trying to explain that my escrow account is larger than my principal balance. Now Shellpoint has now added a late fee but refuses to answer my question, also ; each month Shellpoint would send me a monthly statement/coupon to make my next payment, after I made my XXXX payment Shellpoint has not send me my XXXX statement/coupon to make my XXXX payment.
Product: Money transfer, virtual currency, or money service

XX/XX/19 I paid {$59.00} for two tickets that were to be transferred to myself within 24-hours of receiving payment. The vendor delayed sending the items, then refused to communicate about a refund or solution regarding the dispute. I attempted to cancel and dispute the transaction the following morning on XX/XX/19 on my payment system.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( XXXX ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-XXXX ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, VA XXXX 2. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 3. there is some inaccurate information reportinXXXX XXXX XXXX XXXX Number : XXXX Please correct/update this inaccurate information on my credit report. 4. there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please remove it from my credit report. 5. there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 6. there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please remove it from my credit report. 7. there is some inaccurate information reporting. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 8. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 9. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 10. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, VA XXXX
Product: Debt collection

We hired a XXXX XXXX XXXX to Service our home on a monthly basis or as Needed. They came a couple of times and cleared hornet nest, and spider webs, etc. After a month we continued to see insects including Ants! We called them and let them know that we were having Additional Problems, they said the would send a service person out which they did to lay ant traps etc. a few weeks later there were spiders in the house, I called and told them I was cancelling their service at which time they said they would have to charge XXXX to cancel the service or they could send someone else at NO charge to re-do the exterminating. 

We agreed and the serviceman came and exterminated beyond the fenced backyard where he said the problem was coming from and the next week we were sent a bill for XXXX! Then sent out another serviceman 2 weeks later! We said someone had just been here to which he replied " well, you are on my schedule '' for this we were charged another XXXX! We haven't heard from the company except for Billing since XXXX! However, we paid the XXXX charge of XXXX. I emailed the company to cancel and was told that only phone calls can cancel services, Well, I had already tried that and was convinced by the company to NOT cancel the Service, so I said the email would have to do! They have been sending Bill reminder emails which we '' ve ignored, Now we get this Collection Notice saying we owe them XXXX! No Way! we're paying to be RIDD of Them!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX I HAVE ADVICE THEM THAT THE INFORMATION LISTED ON MY BACKGROUND IS FRAUDULENT AND NEED TO BE REMOVED AND DELTED FROM RECORDS I PROVIDE MY IDENTIFICATION, SSN COURT HAVE MY INFORMATION BUT MY SSN IS NOT PROVIDED THEY WILL NOT REMOVE FROM RECORD ASKING DUE TO RIGHT OF PRIVACY BY LAW THIS NEED TO BE REMOVE AND DELETED 15 U.S.C 1681 section 604 report number # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Although the reporting is current and positive, the issue is that I never gave anyone permission to furnish or report anything to a credit bureau or consumer reporting agency. Since reporting to credit bureaus and other consumer reporting agencies by creditors is voluntary and based on 15 U.S.C. 1681b ( a ) ( 2 ) any consumer reporting the agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I have never given any credit bureau or consumer reporting agency my written permission to report to them. 

I sent out letters back in XXXX to Equifax, XXXX XXXX XXXX requesting that they delete the accounts in their system as well as phone calls to all of the agencies since I did not authorize their reporting services. As of today, I have not received a response nor have the account been removed as requested.
Product: Prepaid card

I bought four American Express Gift Cards from XXXXXXXX, each valued at {$300.00}, totaling {$1200.00}. 

Although these gift cards are supposed to be accepted wherever American Express is, they were declined at several qualified merchants, making them unusable.