23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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/block any items listed 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 is the list of items which do not belong to me or were opened without my permission. 
XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$380.00} ; US DEPT ED XXXX XXXX : {$320.00} ; US DEPT ED XXXX XXXX : {$560.00} ; US DEPT ED XXXX XXXX XXXX {$1200.00} ; US DEPT ED XXXX XXXX : {$640.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2200.00} XXXX XXXX XXXX XXXXXXXX Balance : {$5500.00} ; XXXX XXXX XXXX Balance : {$4500.00} ; TRELLIS COMPANY XXXX Balance : {$2200.00} ; XXXX XXXX XXXXXXXX Balance : {$6700.00} ; XXXX XXXX XXXX Balance : {$410.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX  XXXX Balance : {$300.00} XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX TO XX/XX/XXXX ; XXXX XXXX XXXX CO XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Subject : Dispute on Removal of Fraudulent Information on credit report in Violation of 15 US Code 1681C-2.

I am writing to dispute fraudulent information on my credit report pursuant to 15 USC 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 US.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : ACCOUNT NUMBER ACCOUNT DATE OPENED. 

1- XXXX XXXX XXXX XX/XX/year> As required by 15 USC 1601c-2, please block this fraudulent information from my credit report Immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report no longer contains any fraudulent Information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mina, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you.
Product: Credit reporting or other personal consumer reports

I am writing to challenge the reporting and compliance of my credit report. 

I REQUEST THAT ALL FRAUDULENT ACCOUNT LISTED IN MY FTC REPORT BE REMOVED FROM MY CREDIT REPORT. 

These accounts should not be furthed on my consumer report as they are in VIOLATION Under, 15 US Code 1681b Permissible purposes of consumer reports ( A ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer repert under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN instructions of the consumer to whom it relates.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 6802 - requires by law to provided the consumer with ( 3 ) disclosures 15 USC 6802 ( b ). ( b ) OPT OUT ( 1 ) IN GENERAL - financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I am herby requesting to be mailed the WRITTEN proof of all above disclosures required by Federal Law. 
I have never given any consumer reporting agent WRITTEN CONSENT to report anything on my consumer report, which violates my rights a Federal consumer. 

I request all ( 3 ) disclosures from ALL LISTED companies! If the disclosures can not be provided, then I request the IMMEDIATE DELETION OF THESE ACCOUNTS FROM MY CONSUMER REPORT NO CONSENT IS IDENTITY THEFT. I REQUEST THAT THESE ACCOUNTS BE DELETED FROM MY CONSUMER REPORT IMMEDIATELY! 

15 U.S. Code 1681c2 ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of. 

I am a victim of identity theft!! Please delete all ACCOUNTS mentioned in my FTC report off my credit report.
Product: Credit reporting or other personal consumer reports

I disputed to experian an account that was charged off on my credit report ( XXXX XXXX XXXX ) which makes it an income account that's not supposed to be on my credit report. I reached out to experian about this with the dispute department and recieved my credit report back today and I went over it and ( XXXX XXXX XXXX ) is still showing up on my credit report? After reading the credit report Experian states on the credit report that XXXX XXXX XXXX XXXXXXXX will be on my credit report until XXXX! This account is " Charged Off '' by the company which makes it an income when they did this from my understanding is not supposed to be on anyone 's credit report. I have disputed this account again today with Experian telling them to remove this from my credit report immediately for a second time. I have also reached out to XXXX XXXX XXXX XXXX requesting a 1099C be sent to me which they refused to send me one while I was talking to one of there agents on the phone in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian multiple times over the phone on a dispute to remove two address that are not mine over the month. Originally I was told I could not remove them due to the fact that there were tradelines attached to the addresses. I therefore took down the information and sent the following letters telling them to correct the address certified. I have called the last two day to let them know I have contacted them and that the addresses are not removed yet and it has been 30 days. Correct this and remove both addresses as I have taken the steps that were asked of me.
Product: Credit card

I'm going through a finanical hardship and they keep calling my house number when i told them they needed to call the debt people and i had given them the phone number to the people to call.
Product: Money transfer, virtual currency, or money service

PNC Bank is not allowing funds to be added to XXXX. Not an account issue, it's an institution issue. Very disappointing when PNC Bank allows for internet banking on their own site but not through XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please update or correct these items right away! 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

This company unlawfully inserted information onto my credit report and I want it removed immediately. I have never conducted business with this company.
Product: Credit reporting or other personal consumer reports

I just had a background check done for XXXX XXXX that was completed today. I looked at the results and seen that in the social security verification section that they had 4 mistakes. 
1. It has my address labeled wrong. The correct address on the 3rd row says former but its really my residential address.

2. I never lived at the first address they have listed as my residence address. 
3. The second listed name on the right side of the page is incorrect. Im not a XXXX. 
4. Im currently unemployed, not self employed.
Product: Checking or savings account

My car was broken into on XX/XX/2020, my wallet, along with my old drivers license and 8 credit cards and 1 debit card were stolen. I filed a police report with XXXX XXXX PD at XXXX XXXX  on XX/XX/2020. 
Officer : XXXX XXXX  XXXX Contact : XXXX XXXX XXXX Police Report # : XXXX My stolen Chase debit card was used at a XXXX gas station in the amount of {$43.00}, When I realized about unauthorized transactions in my chase account, I called up Chase bank on XXXX XX/XX/2020 to inform them of the theft and vandalism. When I initially called to report my theft, I was told that Chase will get back to me regarding the police report. No one from Chase bank got back to me to collect any further evidence. They investigated the charge and found that charge was authorized or valid and posted notice on XX/XX/2020. I am attaching pictures of : 1. My broken car pics 2. My car insurance claim filed on XX/XX/2020 3. An alert I received about a suspicious activity ( unauthorized transaction ) from a Chase credit card on XX/XX/2020 ( I called up Chase credit card services separately on XX/XX/2020 and asked for 3 replacement credit cards ) 4. An email from my building management alerting us of car vandalism in our apartment complex. 
5. The chase bank letter claiming the charge on my card was authorized
Product: Checking or savings account

My name is XXXX, XXXX my account with Credit Karma money spend has been about a week now and I have had a large deposit into my account shortly after a payment was taken out too soon, which caused a reversal to take place. Soon after this transaction was reversed my account was locked. I have made several times to contact Credit Karma money, spend account representatives, one of which requested that I upload a copy of my ID while still on the phone with them and not to hang up. I felt unsafe in this act and discontinued. The call Ive been reached out via messages through the chat section of their website through the mobile app on XX/XX/XXXX. I logged in with my email several times three times I had no solution and the chat was ended abruptly my final attempt was through the hotline through the website with the number provided for money Karma spend account. I spoke to a representative, XX/XX/XXXX which did absolutely nothing for me and answered no questions they were only able to tell me that my account was being locked by a third-party and reviewed and that I would hear from someone via email which I never have and have not to this day. It has been going on four days now, I spoke to a supervisor XX/XX/XXXX which told me the same thing that he can not help me that he will not unlock my account and that a third-party did not tell me who was reviewing my account, and that they were going to continue to keep it locked until this third-party reached out to me via email. Also, this third-party is not reachable and they have no information on them or why my account is locked and how I can get in touch with these people who are reviewing my account. This is very bizarre and is very frustrating and I am extremely upset Im dealing with financial hardship and after opening this account, it is causing even more problems financially for me and my family of XXXX children XXXX of which are XXXX and desperately need me to have access to my funds. I have not received any email from anyone regarding my account being locked. I am getting impatient. It has been too long. This is not a matter that has being escalated as they said they had escalated it. They gave me no ticket number. no nothing I am getting the cold shoulder and complete brick wall from Credit Karma money spend account representatives, and lastly, the supervisor that absolutely did not help me at all. Ended up disconnecting my call abruptly for absolutely no reason at all essentially, he hung up on me. I am facing serious financial trouble. If I can not get access to my phones right now, please reach out to me via email or phone XXXX or through the app or this email I also have another email that was previously used on my account is is XXXX. I hope there is a solution to this as I am new to this account only a few days now and I am completely devastated with what is happening to me right now and my family is suffering severely due to this completely unacceptable action by Credit Karma money account.!!
Product: Debt collection

The XXXX and XXXX Credit Bureau is reporting inaccurate information on XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
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. The letters are stated with items and issues. 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. Accounts : XXXX XXXX. Inquiries : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX.
Product: Mortgage

In XXXX of 2015 before the sheriff sale, wells fargo gave a cleaning permission to break into my house. The company XXXX XXXX XXXX XXXX XXXX il stole all of my electronics and furniture. I made a police report and contacted the bank. The bank then told me they would compensate mr . They never did. They bank also assured me {$3000.00} in relocation monies if I did not destroy the house or take the appliances. We left the house in very good condition. The bank sold the house for {$50000.00} more than I owed and left my family out on the street with no relocation money. Then they are reporting that i owe them on my credit report.
Product: Checking or savings account

On XX/XX/XXXX I came home to a letter in the mail from XXXX with my debit card that had my EDD payments on there. Upon calling for activation I find out my XXXX  card had already been compromised as there were unauthorized transactions BEFORE I ever had the chance to active the physical card I had received in the mail. 

6 Unauthorized transactions/Fraudulent Activity : 1. {$39.00} - XXXX XXXX. {$1000.00} - XXXX XXXX XXXX. {$1000.00} - XXXX XXXX XXXX. {$1000.00} - XXXX XXXX XXXX. {$910.00} - XXXX XXXX XXXX. {$300.00} - XXXX XXXX I live in XXXX XXXX, CA. These unauthorized transactions of fraudulent activity occurred in XXXX, CA. Over 300+ miles away from where I live. 

I called the XXXX customer service line again on XX/XX/XXXX and on XX/XX/XXXX for over 20 minutes each XXXX ended the call before I was able to reach anyone. 

I then called on XX/XX/XXXX and was able to open up a fraud claim. 

I then received the Customer Dispute Form in the mail from the XXXX Operations Disputes Department on XX/XX/XXXX. 

I filled out the customer dispute form, wrote a thorough letter of this fraudulent activity, and mailed it back to the XXXX XXXX XXXX Department on XX/XX/XXXX. 

Additional weeks passed by and I had not received any update, there for I emailed AND faxed the customer dispute form on XX/XX/XXXX. 

Additional weeks passed again, and still NO response. I called the XXXX customer service number on XX/XX/XXXX and they informed me that they received the fax I had sent on XX/XX/XXXX. Still no update on this fraudulent activity case.
Product: Mortgage

On XXXX occasions, I called the Customer Service line for Mr. Cooper, my loan servicer. Once in XXXX ( around the XXXX ) and once XXXX XXXX ( around the XXXX ). Each phone call was for the company to re-issue an escrow surplus check issued the year before, on XX/XX/year>, because I had not ever cashed it. In addition, the records reflect as though they have debited the account of the money. I still have the uncashed check with has the caveat of the check expiring within 180 days of the date of the check, referenced above. Each time they have told me it takes 15 days. To date, I have not received any notification from the company to re-issue the check ; however, they continue to make notification calls to my phone to ensure my mortgage is paid timely ( not a bad thing, but if you want me to pay on time, why are you dragging your feet re-issuing me the escrow surplus check ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I RESPECTFULLY REQUEST FOR THIS COMPLAINT TO BE REVIEWED BY A HUMAN BEING AND NOT AN AUTOMATED SYSTEM. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2014 Credit Limit : {$5000.00} XXXX XXXX Account Number : XXXX is my oldest tradeline account with excellent payment history and, contributes positively to my average age of accounts. I never requested or consented for the removal of this account from any of my credit reports. Because the account was removed in error, it severely impacted the average age of my accounts. To help fix the problem, I submitted complaints to the credit bureaus to advise that the account number reported was not congruent throughout all three credit bureaus- XXXX, XXXX, and TransUnion. XXXX reports the account number as XXXX, while both XXXX and TransUnion report the account number as : XXXX. In addition, the payment history for this account was also reporting inaccurately, late payments. I was never late because I had a written agreement in place authorizing payments from my bank account. 

The response received from the credit bureaus after I submitted multiple complaints to them is that the account is not on my report and that they will send me a new credit report to reflect this update. THIS IS NOT MY REQUEST!!! I never requested or authorized anyone to remove the account from my credit report in the first place. Therefore, I demand for the account to continue reporting on XXXX, XXXX, and TransUnion. 

Attached is documentation in support of this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified dispute letter to LexisNexis, that they received XX/XX/2022. This dispute letter included copys of my Driver ID and a copy of my social security card. I received a letter from them on XX/XX/XXXX telling me they could not verify my identity. I then call LexisNexis and I was informed that letter was a mistake and they were able to start the dispute. I have not received any correspondence from them, so I call today XX/XX/2022. I get told there is nothing on file of any certified letter for a dispute. I mention I'll file a complaint with the CFPB and then the rep just so happens to find my certified dispute letter and then informs me the other forms with copys of my Driver ID and copy of my social security card are missing. The LexisNexis rep then informs me NO dispute was ever filed and that now they will since I stated I file a complaint with the CFPB. The fair credit reporting act, states they have 30days from the time a dispute is filed to investigate and reply back to the consumer. They have NOT done that. They can not just misplace copys of consumers ID numbers and social security cards. They can NOT take a certified dispute letter and hold onto it for a month and then only after getting multiple phone calls finally decide to submit that certified dispute letter to go through the process.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} This items are illegally and unaccurately being reported on my credit report. I need these items deleted immediately.