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

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX on XX/XX/XXXX with a balance of {$17000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX . These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX Credit report contains an unauthorized inquiry from JPMCB CARD SERVICES DATED XX/XX/2022. I have been a victim of Identity theft, this has been reported to XXXX and this needs to be taken off my credit report. I have called XXXX to dispute this and i am also reaching out to the consumer financial bureau.
Product: Debt collection

{$770.00} was the amount owed I paid {$200.00} I was not aware that I should of got proof of the debt and a writing agreement for payment plan before making payment.
Product: Credit reporting or other personal consumer reports

I have requested multiple times for removal. I have been fighting this issue for YEARS now. As a XXXX Veteran and someone who no longer has outstanding loans with Navient, the practices of this company are malicious and not valid.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Accounts XXXX XXXX XXXX XXXX Account # XXXX Date opened XX/XX/XXXX Bal. {$2100.00}, XXXX, XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$1700.00} XXXX Card services Account # XXXX date opened XX/XX/XXXX Bal. {$1.00XXXX XXXX XXXX XXXX  Account # : XXXX date opened XX/XX/XXXX Bal. {$430.00} XXXX XXXX  Account # XXXX date opened XX/XX/XXXX Bal. {$0.00} XXXX. Inquiries : XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXk, jpmcb auto. Late Payment : everwise credit union.These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the repeated reporting of inaccurate late open accounts on my credit report. Despite my multiple requests for correction, these inaccuracies persist and have a significant adverse impact on my creditworthiness and financial standing. 
Below are the details of the late open accounts that I have previously disputed and continue to be inaccurately reported 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 XXXXnce : {$10000.00}. I have attached copies of my previous dispute letters and credit reports from XXXX Credit Bureaus for your reference, which clearly demonstrate the inaccuracies I have been disputing. 

It is crucial to emphasize that I have never been late on these accounts, and the late payments reported are entirely erroneous. I have consistently made my payments on time, and I have provided ample evidence, including bank statements and payment receipts, to support my claims. 

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to investigate disputed items on a credit report within 30 days of receiving a dispute letter and to notify me of the results of your investigation. Despite my previous disputes, the inaccuracies persist, and this situation is causing me significant distress and financial harm. 

Therefore, I urgently request that you take immediate action to resolve this matter. I kindly ask that you : XXXX. Conduct an in-depth and comprehensive investigation into the accuracy of the late open accounts on my credit report. 

XXXX. Contact the respective creditors to verify the accuracy of the late payment information. 

XXXX. Correct the information on my credit report to accurately reflect my payment history. 

XXXX. Provide me with a written response outlining the results of your investigation and the corrective actions taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never been late on the following accounts. Mark the following accounts as paid as agreed or delete the account. After I had a chance to review 15 USC 1681a ( 2 ) ( i ) I noticed transactions and experiences should not be on my consumer report at all. That means late payments should not be on my consumer report either way. Mark the following accounts as PAID AS AGREED or Delete from my consumer report. : DEPARTMENT OF EDXXXX XXXX Account # XXXX, XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

I have previously submitted multiple requests asking your company to reexamine the inquiries on my credit report that I believe are incorrect. Aren't you obligated to complete these investigations within 30 days of receiving such requests? I am aware of instances where companies have accessed credit reports without a permissible purpose, and I have yet to receive any verification from your company justifying these inquiries. I am listing the inquiries that require investigation once more : I have attempted to contact each of these companies, and most have no record of me. How could they have a valid business purpose to access my credit report if they do not even recognize who I am? 

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

Hi my name is XXXX XXXX XXXX I am contacting you because my credit report is reporting inaccurate and fraudulent credit inquiries on my credit report and I want them removed at once because they are fraudulent and do not belong to me. Here is a list of the fraudulent items that I would like removed because they are fraud and do not belong to me and were not authorized credit inquiries Inquiry details XXXX/XXXX Inquiry from XX/XX/XXXX - Department & Variety Stores This inquiry could stay on your report untilXX/XX/XXXX. 
See an error? 

Find out how to dispute a hard inquiry Institution Information XXXX/XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX/XXXX Dc Inquiry from XX/XX/XXXX + Bank XXXX/XXXX   Inquiry from XX/XX/XXXX + XXXX XXXXXXXX XXXX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX/XXXX XXXX XXXX from XX/XX/XXXX + XXXX XXXX XXXX/XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX/XXXX  XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX  XXXX Inquiry from XX/XX/XXXX + Bank XXXX  XXXX Inquiry from XX/XX/XXXX + Bank XXXX   XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX XXXX please remove all listed inquiries because they don't belong to me and are fraudulent and I want them removed off my credit report. Also {$2700.00} Original creditor : 09 XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$730.00} Original creditor : 08 XXXX XXXX XXXX  XXXX XXXX XXXX   are also fraudulent and do not belong to me and I want them removed off my credit report at once because I am a victim of identity theft theft.
Product: Mortgage

I received written notice that my home loan was transferred from XXXX to Shellpoint. 
Now both XXXX and Shellpoint say they do n't hold the loan. 
I have made repeated phone calls and sent many emails to both companies, still both claim that they do not hold the loan.
Product: Debt collection

The last week of XXXX 2020 I fell at home and XXXX XXXX XXXX went to XXXX XXXX XXXX Dr said it went right back into place, Should not need XXXX follow up with XXXX so I did XXXX XXXX XXXX yelled at me right off even though I waited 2 days and 2 hours to see him Scheduled XXXX so XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXHe put it looked like curtain rod hangers ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
So then he scheduled XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I could get my diaper over the hardware and now I had XXXX holes in my foot to heal.took it out.Another XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX I believe he might have put a part in to stabalize ankle ( not sure ) XXXX sent me home with hole and incisions to wound center. 
I actually asked to be dismissed I FELT LIKE AN EXPERIMENTAL patient. He even said this new surgeon wants to look at your XXXX XXXX. After one office staff told me of another woman actually loosing her foot and she took her flowers. I wanted to keep my foot The can Keep the flowers.. 
I was told in lieu of a court case it had been written off because of major inconveience, time, and left with a mammned foot a club foot After their ambulance service tried to bill me for wheelchair miles XXXX?? something riduculous, and my wheelchair sat in my living room until I returned home. 
The hospital has all the XXXX  and documentation to everything I attest to Why would I give a hospital {$1200.00} or {$310.00} to make me have to use a walker for the rest of my life??????? I am in my XXXX 's This whole XXXX practice needs looked at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and sent me home with XXXX aXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX saved my left leg. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXd XXXX XXXX. Laid in XXXX Home 3 months. 
If you don't get your designated outcome then tough sh --. XXXX
Product: Debt collection

Went to court with lvnv funding and had a amount settled for XXXX a month for 12 months. We settled on a amount of XXXX in the court which there are court papers stating that as well as the company offering that. My payment will be done in XXXX as I only owe XXXX I disputed the amount listed they say I owe which is XXXX I called them in the beginning and told them that the court papers settled on a amount which they found and said yes they have it and I even mailed them a copy but they still keep the inaccurate amount owed.
Product: Bank account or service

I try and opening a account with wells fargo i want to know why it wont let me and they told me to contact the consumer finance for more info
Product: Credit card

See attached appliance repair plan by XXXX. I have the right to cancel anytime. I signed up for XXXX on XXXX. My refrigerator broke down and I called XXXX to repair. XXXX refused to come out and look at it repair it. I did not get what I paid for. See plan. With my plan I get a technician to diagnose and repair my refrigerator or any kitchen appliance. I paid XXXX for the month of XXXXXXXX XXXX and paid again in XXXX. When XXXX refused to repair my refrigerator I cancelled the plan. The terms of the contract state I get a refund of any unused premiums. No refund was given. XXXX kept the money for a period when my plan was cancelled. In otherwords XXXX received money for nothing. This is fraud.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, the amount {$1200.00}. 15 u.s Code 1681c-2 a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from and alleged identity theft, not later then 4 business days after the date of receipt.

Under 15 U.S Code 1681 e ( b ) and 15 U.S Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 U.S Code 1681. These accounts has violated my rights.

Pursuant to 15 U.S Code 1681 section 602 states I have the right to privacy.

Pursuant to 15 U.S code 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish accounts without my written instructions.

I am requesting the original copy of the agreement and terms a condition. Failure to comply will forfeit your claims and require you to delete all the list of items above. You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of this receipt of notice. I LOOK FORWARD TO YOUR RESPONSE.
Product: Mortgage

I received no notification from Carrington Mortgage Services notifying me of the XXXX XXXX, 2017 foreclosure sale date. The first notification I received was a letter from the attorney on XXXX XXXX, 2017 stating there was a scheduled sale on XXXX XXXX, 2017. This did not allow me to submit my modification package prior to the 37 days before scheduled sale date deadline. I spoke to a supervisor " XXXX '' ( ext XXXX ) who claimed that Carrington Mortgage Service did not have to mail any notifications or letters to me because they attempted to call me. I informed him that is not correct and everything is done by written correspondence as I do not know if they were calling the wrong number. As far as I knew I was still in review for a loan modification and was never made aware or saw anything in the mail from Carrington. " XXXX '' ( ext XXXX ) reiterated again they did n't have to mail letters and phone calls were enough and that most borrowers want to be called and not have letters. This is a violation of XXXX XXXX servicing guidelines and against the CFPB servicing guidelines for loan modifications.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing incorrect information that is being reported by Prestige Financial Services. This company is failing to report all of the payments made during the loan. Prestige Financial services is failing to report payments made for the following months XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The company is also reporting derogatory information for XX/XX/XXXX when the loan was paid off in good faith. I have contacted Prestige Financial Services and they are refusing to update the correct payment history on my credit report. The company is also refusing to investigate with their last response as " THEY BELIEVE '' the information Is correct. There isn't any accountability for this company to report accurate information as I am being told to file another complaint. I will continue to dispute this information and file complaints until this information is updated or removed from my credit file as it is correct information.
Product: Credit reporting, credit repair services, or other personal consumer reports

there inaccurate information on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

In the month of XX/XX/2018 I disputed via mail certain accounts and inquires that appeared to be erroneous reported on my credit report. I am a victim of identity theft and I am in desperate need of these items being reviewed and blocked.
Product: Debt collection

entered a consumer credit transaction with SOUTHERN CREDIT and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which my insurance was not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that SOUTHERN CREDIT claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. SOUTHERN CREDIT has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me
Product: Credit card

Due to multiple payment issues month before last that resulted in other issues that have mostly been fixed I am requesting courtesy refund of interest charge for 1-2 months for Capital One credit card ending in XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX, XXXX - Account Number : XXXX Account Name : XXXX XXXXXXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Hello, my name is XXXX XXXX XXXX and I am completing this complaint myself. 

After careful review, there are many inaccuracies on my consumer report and needs some attention immediately. 

TransUnion is showing many inquiries on my consumer report that I did not give written permissible purposes in ANY capacity.
Product: Credit card or prepaid card

On XX/XX/2020 and 15 other dates someone tried to obtain a credit card in my name. XXXX  was no help
Product: Mortgage

Newrez/shellpoint reported my payments 90 days late. I was in a government awarded forebearance plan that ended in XX/XX/2022. I started a loan modification in XX/XX/2022 made the trial payments on time and was than awarded the modification. I was never late. I was in a forebearance plan due to being unemployed during the pandemic. I was in a financial hardship. Im now back to work making my payments on time. My credit score dropped XXXX points. My rates went up. Auto ins went up. My credit cards went up and some dropped me. I tried to dispute this with the mortgage company and XXXX. Nothing!
Product: Credit card or prepaid card

XX/XX/XXXX On XX/XX/XXXX I placed an Internet order for XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I then placed an order for XXXX XXXX  lenses prescribed by my eye doctor at XXXX XXXX. My eye doctors clinic did not have the frames I liked so I placed my order with XXXX XXXX   XXXX  online. I sent a copy of my prescription as requested by XXXXXXXX XXXX XXXX and they processed my order. 

The frames were charged on my card for {$100.00} separately on XX/XX/XXXX. I was then charged 2 split charges for the lenses On XX/XX/XXXX {$94.00} and on XX/XX/XXXX {$94.00}. The glasses were shipped XX/XX/XXXX and received on XX/XX/XXXX. When I unpackaged the glasses and put them on they were blurry when I looked in the distance but the reading part was ok. When I dipped my head down I could see in the distance. I contacted XXXX XXXX XXXX and spoke to XXXX and he instructed me to wear the glasses for 1-2 weeks to get used to the prescription. My eye Doctor gave me the same instructions. After 1 weeks I could not handle the dizziness or headaches. I was in my local XXXX on XX/XX/XXXX and they were kind enough to place the glasses in their machine which measures the progression of the lenses. The technician stated these were the worst lenses they had ever seen. XXXX and I at XXXX called XXXX XXXX XXXX and spoke with XXXX explaining the situation. He stated return the glasses unworn for a full inspection and they would issue a refund. XXXX and I both stated that is impossible the glasses have been worn since XXXX directed me to wear them for 1-2 weeks in order to get used to the progressive prescription. I then had XXXX make me a new set of lenses since we realized they were not going to help me so I was charged {$180.00} at XXXX to order new lenses. 

I then went round and round on the phone and many emails on XX/XX/XXXX & XXXX, XXXX which I have attached all receipts, delivery confirmation, prescription, and the new receipt from XXXX with pictures of how bad the lenses were. XXXX XXXX XXXX never went over a return policy with me and it was apparent they would take them back but then I would no longer have my frames and lenses and have been charged {$290.00}. They had already screwed up the lenses so bad I was not willing to lose my money and glasses to these crooks. I told them I would send the lenses back so they could inspect them and they said no so I contacted Bank of America for assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to a previous dispute that my Student Loans are being reported twice. XXXX states that they purchased my student loans yet if XXXX purchased my student loans in XXXX why are my Student Loans showing listed via all XXXX credit reports by the NELNET and show my student loans as active and pass due from XXXX. If my student loans were purchased by XXXX my student loans should not be listed by the Nelnet making it look as if I owe twice more than what I should, such that NELNET should remove all occurences of past loans from my credit report.