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, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX LA XXXX, CA XXXX, XXXX XXXX XXXX XXXX Balance Owed : {$450.00}, XXXX XXXX XXXX XXXX Balance Owed : {$200.00}, XXXX XXXX  XXXX XXXX XXXX Owed : {$2500.00}, XXXX XXXX XXXX XXXX Balance Owed : {$920.00}, XXXX XXXX XXXX Balance Owed : {$6000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have occurred despite having sufficient funds when transaction was authorized, I was charged fees due lagged posting of charges of credit. This issue aligns with the recent cfpb findings with Navy Federal with similar practices, where transactions settle with insufficient balances despite initially available funds.I believe these practices are unfair and request a investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are reporting false information. It says I was late 90 days but on the report it says I was on time In XXXX and in XXXX but I was late in XXXX and in XXXX
Product: Credit card or prepaid card

I have been a preffered customer of Stage credit card since XXXX they closed my account in XX/XX/XXXX I was able to to get customer service to reopen it in XXXX and then to my surprise I found out yet again stage closed my account XX/XX/XXXX XXXX and this time they said they were unable to open account because it is past the 10 days but i could this reapply is so wrong that company can get away with this during a pandemic when there stores are closed online and none open and they hurt our credit they need to be laws during a crisis to protect consumers against companies like this because another company did this to e as well and I am trying very hard to rebulid my credit not damage it. and all they said was i could reapply all my history lost how cruel!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested debt validation TWICE from Ad Astra Recovery Services. The first request was from XX/XX/2019 and the second request was XX/XX/2019. They will not respond to my requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am writing this statement on my behalf. I am a victim of identity theft. The items listed on my report were opened fraudulently, and I request that they all be removed immediately. The accounts are listed in this report and attached to my statement. Accounts to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Reached out to the company Sezzle, about an account that I never had. They never responded and it is lingering in my credit report. They are reporting inaccurate information and I need it removed effectively ASAP.
Product: Vehicle loan or lease

At the end of the lease on my vehicle in XX/XX/XXXX I turned the vehicle in to XXXX XXXX XXXX, with the purchase of a new vehicle. XXXX XXXX XXXX obtained a buyout figure from Ford Motor Credit and sent them a check. At that time, all the paperwork from the original leased vehicle was turned over to XXXX XXXX XXXX, taking all responsibilities away from me, the leasee. Sometime in late XX/XX/XXXX, I received a letter in the mail from Ford Motor Credit stating that they extended my lease due to lack of payment. At that time, I went to XXXX XXXX XXXX and found out that they had sent the check to the wrong location. While I was at XXXX XXXX XXXX, the two companies worked it out, and everything was paid in full. In XX/XX/XXXX, I  received a letter from XXXX XXXX XXXX again, stating again that I was behind on my payments. At that time, I found that my XXXX XXXX went from XXXX in XX/XX/XXXX to XXXX in XX/XX/XXXX. At that time, I called Ford Credit, and filed a complaint explaining the situation. I received a follow-up phone call stating everything was taken care of and that letter had been sent out in error and that they were taking immediate action to rectify my credit score. It is now XX/XX/XXXX, and my credit score has not only NOT come up, but I am now receiving letters from my credit card companies saying that my interest rates have been raised due to a lowered credit score.I would appreciate a response to this inquiry to that I know it has been sent to the correct place and that someone will get in touch with me to rectify the matter. My email is XXXX and my cell # is XXXX. Thank you for your time. I look forward to hearing from you soon. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I will be taking XXXX, experIan and XXXX to arbitration Under Unfair and deceptive practices For seeming to do what ever they want with my consumer report including furnishing transaction history and experiences Which under 15 us code 1681a is excluded from your consumer report Credit bureaus also have been asked multiple times to provide the method of verification full documentation of what was used to investigate verified accounts, which they never did and are still holding accounts they never provided proof of on my Consumer report I am giving credit bureaus thirty days before I file a claim to take them to arbitration In three days of receipt of this notice to cure this consumer report also Remove All accounts : XXXX XXXX XXXX XXXX XXXX XXXX charge off # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX Consumer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX If no refute of this notice is responded to in three days than this Agreement is accepted
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate.

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 relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information 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 shalli ) promptly delete that item of information from the file of the consumer, or modify 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 file of 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Im sending a complaint to you today to inform you that I was the victim of identity theft. I read up on how to eliminate the fraudulent items from my file 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 ELIMINATE these items listed on an id theft report. Please find the ATTACHED documents to assist in the withdrawing of the inaccurate pieces of information which were 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, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 ; XXXX  XXXX BALANCE : {$1100.00} ; XXXX  XXXX BALANCE : {$0.00} ; XXXX  XXXX BALANCE : {$0.00} ; XXXX XXXX BALANCE : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$790.00} XXXX XXXX XXXX BALANCE : {$0.00} ; XXXX XXXX BALANCE : {$0.00} ; XXXX XXXX XXXX  ORIGINAL CREDITOR : XXXX XXXX XXXX ) XXXX BALANCE : {$320.00} ; XXXX ( ORIGINAL CREDITOR : XXXX XXXX ) XXXX BALANCE : {$3700.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent Transunion a dispute letter requesting they investigate several accounts. Attached I have the letter I sent, XXXX Transunion XXXX, XXXX Credit Card Charge off account regarding this complaint XXXX XXXX.XXXX, and postal receipt XXXX XXXX XXXX. On XX/XX/year> they responded to my disputes with their reinvestigation results XXXX XXXX XXXX. On XX/XX/year>, I responded back to Transunion requesting a reinvestigation and demanding they provide proof of the reinvestigation ( 15 USC 1681i ( a ) ( 7 ) ) and provide me with the : 1. The names and business addresses of each individual you verified the information with, so that I can follow up. 2. The date when you contacted the individual furnishers of information. 3. The method of communication you used to verify the information. I asked them specifically for a ( 7 ) Description of reinvestigation procedure. On XX/XX/year> Transunion responded with a refusal to process my request. The reporting of such inaccurate information has caused severe damage to my character, reputation, general mode of living, and has damaged my ability to obtain credit for personal and household usage. Transunion and their inaccurate reporting have damaged my livelihood. The reporting of this inaccurate account is also a violation of 15 USC 1681e ( b ). Their failure to provide maximum possible accuracy is causing me harm and I demand they delete the account in question from my consumer report. I reserve my rights to litigation, should nothing come from this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, someone used my identity to open an account with Acima Credit. I never opened this account or may knowledge of this account. I have a identity theft alert on my XXXX credit report, so I don't how this could have been opened without my knowledge. I contacted the company and they refuse to remove this from my credit report. I have sent them a copy of the police report and they still refuse to acknowledge this is not my account.
Product: Credit reporting or other personal consumer reports

a collection called IC SYSTEM INC, sent me a letter with a charge from the company XXXX XXXX, worth XXXX XXXX, I asked them what and they said that I should contact them because they don't know, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX in The one who lived, they asked me to hand it over and I have all the payments until the last date I left that place, I never stopped paying my rent, they took the money directly from my account, and They damaged my perfect credit, I have never paid anything wrong or late, I have the entire payment record and this company damaged my credit, last year I was going to buy property, they approved it for me now they damaged my credit. I make dispute with XXXX but the don't do nothing, I send all payments to expirian and they don't remove the collection.
Product: Debt collection

Dear XXXX XXXX XXXX, After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in 2017. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization.

Please provide breakdown of fees including any collection costs and medical charges.

Provide a copy of my signature with the provider of service to release my medical information to you.

Cease any credit bureau reporting until the debt has been validated by me.

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.
Product: Credit reporting or other personal consumer reports

Nearly XXXX months ago, I sent a request to Experian a letter via Certified mail to remove inaccurate information on my credit report. I asked them to remove incorrect phone numbers and addresses on my credit report. 

I received a notification on their Experian app that the address and phone numbers in question were updated and correct. After checking my report today, Experian did not remove or update anything! 

I will include the letter copy that was sent to Experian over XXXX months ago! This is a violation because 1 ) I asked them in the letter to send me a copy of my credit report and they did not. 2 ) Experian ignored my request to correct my credit report. 3 ) I have incorrect information on my report that Experian refuses to do anything about!
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of certain accounts and inquiries on my credit report due to identity theft and a recent data breach, pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts to Be Blocked and Deleted : XXXX  - XXXX - XX/XX/XXXX - {$680.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$370.00} XXXX XXXX  XXXX XXXX - XX/XX/XXXX - {$680.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX  - XXXX - XX/XX/XXXX - {$0.00} Inquiries to Be Blocked and Deleted : XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX XXXX to remove a hard inquiry from my credit report on XX/XX/2021 that I did not request or authorize. XXXX XXXX  claim to have sent a request to the credit reporting agency 's to remove the inquiry. This a hard inquiry in my credit file. I have provided requested information to XXXX XXXX and XXXX XXXX that I did not authorize any loans with XXXX XXXX Then I was informed it would be removed, and it has not. XXXX XXXX and XXXX XXXX  is responsible for this issue, and it seems that someone intentionally requested a Mortgage using my name, and Identity which is fraud. XXXX XXXX and XXXX XXXX also failed to validate my personal information that was used without my authorization or consent. The Hard Inquiry from XXXX XXXX XXXXXXXX via XXXX XXXX is still in my Transunion credit report. I was informed in the attached letter from XXXX XXXX, that it could take 90 days. It has been more than 120 days because my Dispute was filed in XX/XX/2021 and it's still not removed from my Transunion credit Report. I also attached my police report as well. I'm requesting this hard inquiry to be removed from my credit Immediately.
Product: Mortgage

My mortgage was sold to a new servicer. I have had many problems with the new servicer related to the property insurance. The new problem is regarding the escrow account. I received an escrow statement at the end of XXXX of 2016 and another one at the end of XXXX. The first statement claimed an escrow shortage of approximately {$61.00}. The XXXX statement claims an escrow shortage of over {$970.00}. This " shortage '' is because they have counted two years worth of taxes in this statement. After my previous experiences with this company, I feel I must now use the Consumer Financial Protection Bureau to be sure I receive a prompt and well-documented response.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States :
no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

This account needs to be deleted immediately. I requested information from this company and gave them 30 days to respond they did not respond at all under the 15us code 1692 it states.

If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumer 's right to dispute the debt or request the name and address of the original creditor.
Product: Credit reporting or other personal consumer reports

After thoroughly checking my credit reports, I spotted some inaccurate Personal Information that need reporting and correction through your company.

I have attached the copy of my dispute letters that were sent it to the Bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and Transunion Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
DEPTEDXXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance : {$2100.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance XXXX {$1100.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance : {$7400.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance : {$4100.00} Date Opened : XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$650.00} XXXX XXXXXXXX XXXX  XXXX Balance : {$5200.00} XXXX XXXXXXXX Balance : {$1100.00}
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX