23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX applied a balance to me that was in someone elses name and personal information. The person was a roommate, who is not related to me, XXXX years youger than me and who provided their social security number, dob and address and used the internet service. I told them this was not my debt but they have placed it under my name with several collection agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a data breach on my credit report back on XXXX of XXXX were my credit and social security number was on the black market also people used my information with out my permission.
Product: Credit card or prepaid card

I got a letter from Intercontinental capital group XXXX XXXX XXXX Ca. XXXX with a Visa {$100.00} gift card telling me to call ( XXXX ) XXXX, I called the number and a Mr. XXXX XXXX told me there is no strings attached to the card activation so I told him to please Activate my card he then told me well you have to do a servey, I asked him so youi just said there is no strings attached??? So why would I have do a servey? he refused to activate the car I told him that that is fraud per 448 california Penal Code for fraud. He still refused so I call the number on the back of the card got a man who did not want to talk to me due to the fact I had my phone number wrong I have XXXX and am XXXX, I asked him if he knew what ADA was he said NO! I hung up due to a second person got on the line and said it is ok to attach strings even though they say there is none i hung up. 
This is fraud I cant believe that this is going on.
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 that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX, XXXX Inquired on XX/XX/XXXX, XXXX - XXXX Inquired on XX/XX/XXXX, XXXX - XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX, XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/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: Credit reporting, credit repair services, or other personal consumer reports

Hello! 

On XX/XX/XXXX I called Experian about two inquiries I had on my report : One from XXXX card and one from XXXX XXXX XXXX. I was just trying to understand why they were furnishing my credit information to companies without my clear written instructions according to 15 USC 1681b ( 2 ) which falls under the FCRA. After calling them several times, they told me to reach out to the credit company themselves. I don't know if the FCRA governs credit companies, but they directed me back to the Credit Reporting Agencies. After going in circles several times I was told that a supervisor would reach out to me between the timeframe of 24 and 72 hours. Here is the case number that they gave me : XXXX. It is now XX/XX/XXXX and I still have not gotten a call back from a supervisor. I called them several times today to follow up on why I was not getting a call back from a supervisor and they kept passing me off to other employees. I still do not understand why they are furnishing my information to companies without my consent and they have not addressed that question with me or even acknowledged that they are required to do so by law. Thank you for taking the time to read this and I hope you have a wonderful day. 

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

Attached to this complaint is all the evidence and records proving that Equifax is willfully negligently and recklessly reporting inaccurate data on my credit file and not conducting reasonable investigations causing me financial injury. They keep willfully reporting even after I provided them proof.

An investigation needs to be done regarding Equifaxs abusive and reckless method of verification process.

I am in the process of building a legal case for intentional, reckless, malicious and willful violations of the FCRA as well as defamation from Equifax, A copy of this dispute will be used as evidence if needed.

The following information is being reported inaccurately, falsely and unfairly by Equifax. 

XXXX XXXX XXXX # XXXX Equifax is causing me financial injury and negligent enablement of identity fraud. 

I am fearful to apply for new credit because of the anxiousness of thinking I will be denied resulting from Equifax 's inaccurate reporting. 

METHOD OF VERIFICATION I would like Equifax to provide me the name of the original creditor, the address and phone number of the original creditor, the person at Equifax who verified the dispute with XXXX XXXX XXXX at the time of the dispute request and the documentation that was used to verify the dispute at the time of the dispute request. If Equifax can not send me these simple items, then I demand the account be deleted. 

I do not consent to XXXX as a means of reasonable investigation for my credit disputes. I need proven documentation, i.e. signed contracts, and/or dated signed cashed checks to show accuracy of the verification of my particular dispute. 
Equifax must prove they conducted a reasonable investigation for them verifying it at the time of the dispute request. XXXX  can not hold in court as per the noted court cases. 

XXXX v XXXX XXXX v XXXX/Equifax XXXX v XXXX ( XXXX  ) The Equifax data breach has shown me that I need to stay on top of the credit bureaus compliance to all Federal Laws regarding my credit file. This XXXX model of verification must stop because of the many fraudulent accounts it may create for consumer credit reports! 

At this time, Equifax does not need to falsely verify this account again. The only acceptable thing they need to do now is to delete it immediately! 

I demand to see Equifax 's method of verification and the documents they relied upon to verify this account at the time of my dispute regarding this particular account as per the FCRA.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to dispute a late payment reported by XXXX XXXX  on my credit card account XXXX. Under 15 U.S.C.1666 B, creditors are prohibited from treating a payment on a credit card account as late for any purpose under an open-end consumer credit plan if specific conditions are not met. The reported late payment violates this provision In accordance with the fair credit Reporting act XXXX XXXX XXXX  has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Debt collection

i sent my 2nd letter to southern credit recovery on XX/XX/2020, they did not respond to my first letter from XXXX XXXX, and it is not marked as disputed on XXXX as has been over the 30 days allowed by law.so i am asking it be deleted before i consult with an Attorney.
Product: Mortgage

XXXX XXXX CLOSE MY XXXX XXXX CASES!!!!! I'VE ALREADY OPENED 3 AND THIS XXXX  IS NOT RESOLVED!!!! I GOT A CALL FROM A XXXX NEW NOTARY TODAY STATING I HAVE TO SIGN MY COVID19 FORBEARANCE PLAN AGAIN! I SIGNED THIS XXXX  IN XXXX! MY SISTER SIGNED HERS FROM TEXAS! I WAS APPROVED & ACCEPTED. HUD GAVE THESE XXXX SCAMMERS THE XXXX XXXX MONEY. MY PAYMENTS WERE APPLIED. THEY DON'T EVEN KNOW WHO SUPPOSEDLY SIGNED WRONG! THEY'RE XXXX SCAMMING LIARS. I WANT THIS ESCALATED TO SOMEONE WHO I CAN COMPLAIN TO FOR FRAUD! I WANT TO START A CASE IN CIVIL COURT FOR THEIR DISGUSTING NEGLIGENCE.
Product: Debt or credit management

I have use Lexington law about 2or 3 times and thought it was get better but each time they start off good and then dont do anything else and charge me.
Product: Credit reporting or other personal consumer reports

Experian did not properly investigate my dispute. Ive tried disputing a specific account with XXXX  and multiple times they have denied my dispute within days without the proper investigation. Ive reached out to the collectors who took over the XXXX  account ( XXXX  is no longer a business ) and they have yet to resolve this issue of identity theft and fraud from this account. This companys is coming after me with different names as well as different amounts owed for this account that I have no knowledge of ever owning. I explained to the collectors exactly why it was impossible for me to have ever had this account and yet they are still after me and using names that are made up. Not even my real government appointed name. This is a scam to receive money and Experian has failed to do their job when it comes to investigating properly. 

Thank you
Product: Checking or savings account

XX/XX/XXXX I received letter from Capital One that they closed my savings account with no warning, no notice, and without my consent. I went in person to Capital One Branch at XXXX XXXX XXXX XXXX TX XXXX. XXXX XXXX XXXX could see my account closed and the fact that I still had funds in acct. She said the phone lines to talk to someone about my problem was busy. I sent tweets ( my profile XXXX please remove from description before publishing ) to Capital One Cust Service on XX/XX/XXXX and many days after that they tweeted me they escalated my issue to another group after many tweets of them making excuses why they could not help me. I also sent multiple emails to Capital One XXXX XXXX XXXX and Capital One Communications XXXX XXXX. XXXX XXXX sent me read acknowledgement of my emails and received nothing from XXXX XXXX. I finally got reply from Capital One Cust Service twitter account @ AskCapitalOne about XX/XX/XXXX and also received a letter from Capital one stating they turned over my funds to the State of Texas as unclaimed funds and were waiting to response to my many tweets until AFTER this transfer was completed. I was in almost daily contact with their customer service during this time and was they did was completely corrupt and underhanded. I kept asking them and XXXX XXXX XXXX to reopen my account as it was prior to them closing it without my consent. Please assist me getting this done. Thank-you
Product: Mortgage

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Loan Number XXXX Case Number XXXX XXXX Regulatory Case ID : XXXX PHH Mortgage Services Escalations Department 1 Mortgage Way XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX We sent a response to a letter from PHH on XX/XX/2023 concerning incomplete information. XX/XX/2023 we received a letter from PHH stating that We will review the issues raised with the goal of providing a written response by XX/XX/2023. Please note, when allowed and necessary, we may extend the time period for responding in order to conduct additional research needed to respond to your question/ concern, We also received a foreclosure notice on XX/XX/2023, both are attached to this communication. 

In closing, please clarify what is going on. If we are waiting for you to response why are we receiving a fore closure notice and incurring additional foreclosure fees? 
Genuinely, XXXX & XXXX XXXX XXXX. CFPB
Product: Credit card

In XX/XX/year> I was charged {$130.00} for parking my car rental in a paid parking spot with my XXXX XXXX as I am a XXXX XXXX XXXX XXXX. According to federal XXXX regulations, I am exempt from paid XXXX XXXX XXXX XXXX XXXX I explained the situation to XXXX when I returned the vehicle and they said it was no problem Months later I get this charge saying XXXX paid for the parking ticket and because it was already paid, I could not get a refund from the parking authorities. XXXX took that money from my AMEX card. I disputed it with Amex and explained the situation and they told me that they would remove the charge. However, recently I received an e-mail stating that the charge will be re-applied to my account. Despite nothing having changed.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are still on my TransUnion credit report and I would like them removed. They are currently closed, and have been for a long time. 

XXXX XXXX XXXX  XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type CREDIT CARD Balance {$0.00} Date Updated XX/XX/XXXX Last Payment Made XX/XX/XXXX High Balance {$86.00} Credit Limit {$500.00} Pay Status Paid, Closed ; was Paid as agreed Terms Paid Monthly Date Closed XX/XX/XXXX Date Paid XX/XX/XXXX Remarks Account closed at consumer 's request and dispute investigation completed, consum ; CLOSED XXXX-XXXX  XXXX  XXXX Address XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type SECURED CREDIT CARD Balance {$0.00} Date Updated XX/XX/XXXX Payment Received {$44.00} Last Payment Made XX/XX/XXXX High Balance {$86.00} Pay Status Current Account Terms Paid Monthly Date Paid XX/XX/XXXX XXXX  XXXX XXXX Address XXXX XXXX  XXXX  XXXX  XXXX XXXX, SD XXXX XXXX XXXX XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Account Relationship Terminated Account Type Revolving Account Loan Type FLEXIBLE SPENDING CREDIT CARD Balance {$0.00} Date Updated XX/XX/XXXX Last Payment Made XX/XX/XXXX High Balance {$10000.00} Credit Limit {$18000.00} Pay Status Current Account Terms Paid Monthly XXXX  XXXX XXXX  XXXX Address XXXX XXXX XXXX XXXX XXXX, NV XXXX Phone XXXX XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type CREDIT CARD Balance {$0.00} Date Updated XX/XX/XXXX Payment Received {$220.00} Last Payment Made XX/XX/XXXX High Balance {$190.00} Credit Limit {$300.00} Pay Status Current Account Terms Paid Monthly Date Closed XX/XX/XXXX Date Paid XX/XX/XXXX Remarks Account previously in dispute-now resolved. reported by credit grant ; CLOSED BY CREDIT GRANTOR ; CLOSED XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX DE XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type SECURED CREDIT CARD Balance {$0.00} Date Updated XX/XX/XXXX Last Payment Made XX/XX/XXXX High Balance {$0.00} Credit Limit {$200.00} XXXX Status Paid, Closed ; was Paid as agreed Terms Paid Monthly Date Closed XX/XX/XXXX Date Paid XX/XX/XXXX Remarks Account closed at consumer 's request ; CLOSED PETAL CARD XXXX XXXX Address XXXX XXXX XXXX XXXX, GA XXXX XXXX ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type CREDIT CARD Balance {$0.00} Date Updated XX/XX/XXXX Payment Received {$8.00} Last Payment Made XX/XX/XXXX High Balance {$8.00} Credit Limit {$750.00} Pay Status Paid, Closed ; was Paid as agreed Terms Paid Monthly Date Closed XX/XX/XXXX Date Paid XX/XX/XXXX Remarks CLOSED
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act child support Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # 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
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, & Equifax continue to report the account XXXX XXXX XXXX XXXX XXXX incorrectly. This XXXX XXXX account is reporting as a charge off but that is incorrect. Neither consumer agency has provided me with any evidence that they did a reasonable investigation to prove this account was indeed charged off. Financial institutions are insured by the FDIC so they do not take a loss and the contract is a security which bankrolls their business operations including the consumer agencies because they are paid to furnish deceptive information. Each consumer agency is listed in the XXXX XXXX XXXX XXXX because they securitize consumer information but they do not suppose to have our private financial information. Unless each consumer agency proves the information they are furnishing is accurate I will sue,
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 
Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Product: Credit card or prepaid card

I have a dillards XXXX  card I am supposed to be getting XXXX of a month in credit when I spend XXXX on gas the card is run by Wells Fargo by XXXX XXXX company are the one that apply the credits already disputed this with Wells Fargo and they have no idea and don't apply the credits accoarding to the email I should be getting once a month a XXXX I have Made 2 purchases over XXXX and no XXXX credits on my account at all wells Fargo has no clue so I am fighting this with the source XXXX is the one that puts the credits on the account even through to don't run the card XXXX why are my credits none on the account at all!!!! XXXX needs to start putting my credits on there
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reported a charge off for XX/XX/XXXX payment and failure to pay I paid that account amount XXXX every month they continue to report both account one which is paid off delinquent and negative and bad credit charge off Ive been with XXXX XXXX for 27 years with out a miss payment a disagreement over a statement and payment cause them to bring me to court I never reicieved a court order in mail paid a lawyer who took my money had to deal with XXXX and XXXX law firm even them knowing I had a lawyer also payments were made out of my XXXX check which is XXXX dollars I tried in vein to make payment to the point off having someone call in payment s to law firm so payment date various due to them the collection law firm putting the payment through this ruined my credit and my life 32 years of credit 100 % payment history ruined and still XXXX XXXX n law firm continue in tased practices
Product: Debt collection

A company called CSS contacted my mother concerning a debt she did n't owe. We asked them for their address so we could send them a declaration of debt but they would n't give us their address.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Transunion, I checked my personal credit report, which I acquired from your company on XX/XX/2018 and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/2018 is still being reported on my credit report. 
I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. 
I request that you initiate a REINVESTIGATION into XXXX XXXX XXXX ( XX/XX/18 ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT.

If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter.

Very Respectfully, XXXX XXXX