23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unrecognized addresses on my credit report the I need off asap. I was a victim of fraud and someone was using name for credit card apps and got a card and other items in my name as a result of these addresses on my file that do not belong to me. please delete permanently from my file the following : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX please remove the following phone numbers they are not mine : ( 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 filed Chapter XXXX in XXXX of 2020. All of my creditors except for 3 are still sending me bills and reporting to the credit bureau that I owe them money and these creditors were included in the Chapter XXXX when I filed Those creditors are Best Buy, Macy ; s and XXXX XXXXXX/XX/XXXX. They told me they closed the account, but after the Chapter XXXX was discharged they started sending me bills like it was never filed.
Product: Credit reporting or other personal consumer reports

The following previous addresses are wrong : Incorrect Name- XXXX XXXX XXXX - The following information is Outdated, Please remove it from my credit Report - The personal data reporting is inaccurate. 
Incorrect Address - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - The following information is Outdated, Please remove it from my credit Report - The personal data reporting is inaccurate. 
Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - The following information is Outdated, Please remove it from my credit Report - The personal data reporting is inaccurate. 
EMPLOYER - XXXX - The following information is Outdated, Please remove it from my credit Report - The personal data reporting is inaccurate. 
EMPLOYER - XXXX - The following information is Outdated, Please remove it from my credit Report - The personal data reporting is inaccurate. 
Please update my credit file to reflect the proper spelling and data as I have indicated above. 
Please also remove the old inaccurate addresses. I do not want to be mistaken for someone else, because of these errors that you are reporting!
Product: Money transfer, virtual currency, or money service

I would like to be reimbursed, for the reported transactions made.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Mortgage

My mortgage with this company ( 360 Mortgage Group ) was paid in full on XX/XX/XXXX. To date, I have not received the escrow funds due to me. I have called on numerous occasions, only to receive the " run around. '' I was told the check was issued on XX/XX/XXXX ; my first call to them was on or about XX/XX/XXXX. At that time, I stated that it seemed a bit odd, that I still had not received the check if was issued on XX/XX/XXXX. They told me they were not responsible for the delay of the mail service. I asked if the check could be stop paid and reissued. They stated they would have to give it at least two weeks after the issue date in order to stop pay, which would have been XX/XX/XXXX. Again, I called to inquire only to be told they couldn't stop pay it until XX/XX/XXXX. So, as of today, XX/XX/XXXX, I'm still waiting to receive my escrow refund. I asked if they could over night it as a courtesy ; they stated " yes ''. However, when I called back on XX/XX/XXXX to advise that I did not receive an overnight package ; they stated, " they put it in the mail. '' Please help me in receiving my escrow refund.
Product: Credit reporting or other personal consumer reports

I hereby dispute this debt and request validation in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Specifically, I request : The assignment contract, including : The name and address of the original creditor.

A detailed accounting of the alleged debt, including the principal, interest, fees, and any other charges.

Proof that I am legally obligated to pay this debt. 
Documentation of the assignment or transfer of the debt : A copy of the contract or agreement showing that the debt was assigned or sold to your company. 
Evidence of your authority to collect on this debt, including proof of the chain of custody from the original creditor to your company. 
Verification of the statute of limitations : Information confirming whether the alleged debt is within the legal statute of limitations for collection in my state.

Please note that pursuant to the FDCPA, you must cease all collection activities until you provide the requested information to verify the validity of the debt. Failure to comply with this requirement will be considered a violation of the FDCPA, and I will explore all available remedies, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and my state attorney general. 

This letter serves as formal notice that I request all future communication regarding this matter to be in writing only. Additionally, please ensure compliance with all applicable federal and state laws in handling this matter. 

Thank you for your attention to this matter. I look forward to your prompt response within the legally required timeframe.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX Ive discovered multiple fraudulent credit card accounts, mortgages, and auto loans etc in my name. This is totally a mess these are accounts that are not mine someone has stolen my information and had accounts opened some resulted in charge offs. Ive never even heard of majority of the banks or whatever they are. THIS IS IDENITY THEFT! Anyhow, these are are the account that are fraud, as well as the dates the the fraudulent account we opened. XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. These are all FRAUDULENT ACCOUNTS OPENED IN MY NAME WITH MY CONSENT!!!!
Product: Credit card

Within the last month I have made payments of {$310.00}, {$340.00}, {$300.00} for my credit card to keep my balance low and within the last month my available credit is not reflecting my true balance which is also allowing the company to collect interest by not releasing the funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Sent in a Equity Letter exercising my Equity ASKING FOR THE " original instrument of indebtedness in its original form. '' which XXXX XXXX has failed to provide! This documentation DOES NOT!! HAVE MY Social Security Number Or Date of birth on it so how could they say THIS IS MY DEBT? 

I'M ALSO A VICTIM OF IDENTITY FRAUD. THIS IS NOT MY DEBT! This is a direct violation Of the FCRA and the FDCP Act. 

This is : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act FCRA Section 623 CUSHMAN v. XXXX XXXX XXXX. US Court of Appeals for the Third Circuit Court case 115 F. 3rd 220 XX/XX/1997, Filed ( D.C. No. 95-cv-01743 ). 

They refuse to correct information after being provided proof of inaccuracy. 

I've also attached a NOTARY verifying my identity and a bank statement verifying my identity and address.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX & XXXX XXXX 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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, credit repair services, or other personal consumer reports

My complaint is to bring to your attention some serious concerns regarding violations of the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974 in relation to the accuracy of consumer reporting and the handling of personal information. I have discovered numerous inaccuracies and discrepancies. According to the FCRA, consumer reporting agencies such as XXXX are obligated to provide accurate and up-to-date information to consumers. My credit report includes several entries that are factually incorrect or outdated ( see attached for inaccuracies ). I urge XXXX to conduct a thorough investigation into the accuracy of the information included in my credit report and take immediate steps to rectify any errors. I expect XXXX to comply with the FCRA provisions by promptly correcting any inaccuracies and providing me with an updated, accurate credit report. Additionally, I have identified another violation pertaining to the Privacy Act of 1974. Personal information, including addresses, is a crucial aspect of consumer reports. However, I have noticed that my credit report contains non-mailable addresses, which are invalid and irrelevant. The inclusion of such addresses not only compromises the integrity of my credit report but also raises concerns regarding the security and privacy of my personal information. 

I demand that XXXX takes immediate action to rectify this violation by removing the non-mailable addresses from my credit report and ensuring that future reports do not contain any irrelevant or invalid information that may compromise my privacy. I request that XXXX provides me with written confirmation of the steps taken to address these violations within 15 days of receiving this complaint. It is imperative that XXXX upholds its responsibilities under the FCRA and the Privacy Act of 1974 to protect consumers ' rights and privacy.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX a customer sent me a check for services, under the email of XXXX This was the first time I ever dealt with e checks, so I deposited following the steps provided by my bank. 

I immediately noticed, after depositing, that the amount was wrong and more then what they said I would get. & eventually started spamming me that they needed the refund asap. 

I also noticed that the name on the check was different then thier name. 

Originally contacted through XXXX under the name of XXXX XXXX the deal was I would help them program a XXXX XXXX for {$300.00}. ( They deleted the XXXX account they had already ). They sent me a check for {$500.00} instead. Under XXXX XXXXXXXX XXXX located in Texas. 

I have copied of the checks and the original email still. 

The phone number they used to communicate with me was : ( XXXX ) XXXX I still have all interactions saved from here. 

So I told them I'd refund them in a few days once the bank cleared the check just in case it bounces, to protect myself and they were saying that e-check are instant and work differently then checks. 

I XXXX this and found this statement to be untrue but I told them I would call my bank and explain the situation and would only refund them if the bank gives me the ok. 

So later in the day I called Chase bank while XXXX was at my day job, I explained to the operator very clearly that I never worked with e checks before, and feel that I received a fake check and was afraid this would bounce. & that if I refunded the customer I would be out of money. 

Prior to calling I XXXX that sending checks out and asking for refunds was a common scam, and saw the following red flags, which I clearly conveyed to the chase employee : 1 ) The name they contacted me with was different then the check and also different then the XXXX account they wanted me to refund. 

2 ) They were trying to get me to refund asap 3 ) the fact that they sent the wrong check to me in the first place was also a huge red flag. 

I voiced all these concerns and stated multiple times that i believed I was getting scammed and needed help. 

After some time on hold she said that the she checked and the check was OK and promised me it wouldnt bounce and she would transfer me just in case to report fraud. 

So after the phone call I refunded the customer for XXXX using XXXX : XXXX payment to XXXX transaction number XXXX has been approved for {$500.00} I don't know what else I could have done at this point? I called my bank and clearly explained the situation and all the red flags I had. They said the check was cleared and wouldn't bounce. 

I hear this from my bank and I think I have to refund the money at this point. It's not my money, the bank said it's OK, who am I to argue?
Product: Credit reporting, credit repair services, or other personal consumer reports

After paying off one of my accounts ( XXXX XXXX ), Equifax decreased my credit score by XXXX points and at the same time, my credit score with XXXX increase by XXXX points. 

I contacted Equifax for an explanation and after the customer service representative could not sale me one of their credit monitoring products and I declined, I told him I was only interested in filing a complaint against Equifax, he told me to figure it out myself. 

I understand the concept of leaving an account open once you pay it off but I do not understand why Equifax would lower my score by XXXX points after the account show a XXXX  balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi Experian ; XX/XX/XXXX; and XX/XX/XXXX ; I was actually in the process of reviewing my credit and noticed that there are several incomplete, errors, and variations of my name and addresses and previous addresses. I've attached what I've sent to the credit bureaus many times that i want those previous addresses and unknown names removed from my credit report. Basically, Ilooking at my credit report, I noticed errors with my personal information, misspelledof myactual name, wrong, unknown old previous addresses, and some non-accounts hard inquiries thatI'mnot 100 % sure how it's here, and how you can mix such file. This is a big issue for me - Can you please fix it for me? As far as I know by reading the FTC, FCRA laws and regulations, any and all others are inaccurate and/or outdated informationmustbe deletedimmediately from my credit report asthey are not reportable as per theFCRA, since they are inaccurate.
Product: Checking or savings account

Navy federal credit union closed my account without any explanation. after multiple calls and conversations with multiple representatives still no logical explanation was given as to why my account was closed.
Product: Credit reporting or other personal consumer reports

I am not willing to contact these companies because once I do they have the ability to consider me a " customer '' and my " do not call '' won't be recognized. Not like it is anyway, the laws are not very clear with do not call and why I get so many calls that should not be authorized. But I looked into my credit report and see soft inquiries ( and I understand these as I own a mortgage company ) from the following companies that I did not authorize to obtain my information. I have not provided these companies with my social security number nor my personal information so how are they able to access my credit via a " soft pull ''. 
These are the companies : XXXX XXXX XXXX XXXX XXXX XXXXXXXX TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX I am very uncomfortable with the fact that our national bureaus are selling our information to other individuals when they make an inquiry with a like company. When will the government stop allowing something as critical as my social security number and credit information be shared for the financial gain of the bureau? 
I am looking for a response from the CFPB not these creditors, I would like the CFPB explain to me how they are " protecting '' consumers with these activities?
Product: Debt collection

I answered my phone at around XXXX on XXXX XXXX to an unknown number. The man asked if he was speaking to me ; I said yes. He asked if I lived at X address ; I said no, that was an old address and asked what this was regarding. He mentioned a debt I owed to a health club membership and said that it had been turned over to his collection agency. I asked for my address to be updated and for information regarding the debt be sent to me and told him that I fully plan on paying off this debt. He updated my address and provided me with a reference number and phone number to reach him at. 

He then proceeded to ask me about my employment status and the amount of my rent. I said that I am unemployed ( I have a small child that is totally dependent on me for care ) and that my fiance covers living expenses. He asked how long I had been unemployed and then asked if I was prepared to make a payment. I said two years, I had to quit the day my daughter was born as we do not have any one else to help us with her care, and said that I would like to start making payments in XXXX. I had my debit card out, ready to give him my card number for automatic withdrawals to start in XXXX at this point. 

Instead of closing the deal, the debt collector got really nasty. He started talking about how I have n't worked in 2 years, how I 'm living off of my fiance 's income. ( I actually work very hard as a homemaker and a mother to my child with absolutely zero help or babysitters or family to help, but did not have a chance to explain this. ) At this point, I realized that my particular debt collector was a misogynist, but I tried once again to tell him that I would like to start making payments in XXXX -- again, card in hand. He told me nastily that he could n't wait until XXXX. I said I have no extra funds currently, so he was going to have to. Here is where his misogynistic tactics actually scared me : " We most certainly do not. '' If I had already made it clear that I do n't have the money to make payments this quarter, how does he think he 's going to get the money from me? Does he want a pound of flesh? That 's literally all I have to give right now. I do n't understand how it would benefit him to threaten me like that. Again, I blame his blatant prejudice against women. I was so scared at this point I hung up on him. I need to pay this debt, but at this point I am terrified to call the contact number he gave me.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 or other personal consumer reports

XXXX was tasked with investigating and running disputes for XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX After making arguments about a disputes items being investigated incorrectly and being put in XXXX hold for 1 hour I was transfer to who a supervisor was who verbally stated on record that they have 1. Received all documents for verification 2. Received all deletion files 3. Received a updated and accurate credit report from XXXX 4. Received fraud reports 5. Received CFPB Reports All other credit agencies that received this documents removed files for fraud and irregularities and XXXX only admitted to not running disputes at FCRA standard as prev
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law.These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX 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

IQ data has made threats and yelled at me to pay a debt that was also someone else 's responsibility.