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

Name : XXXX XXXX date of Birth : XXXX IDType : identification cardIDNumber : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries XXXX XXXX XXXX Inquiry Date XXXX Removal Date XX/XX/year> 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 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

XXXX XXXX sent me a letter ( see attached ) claiming that they received a report from XXXX   saying I had a bankruptcy on my credit report. That was false and defamatory. XXXX   verified that the information was not present on my report. Yet, the enclosed letter from XXXX   clearly states that false information and presents it as fact. In fact, it appears that XXXX tried to force that false information onto my credit report from what I have learned in an attempt to defame me because of ongoing complaints with them and my request for a payment from the Civil Penalties Fund.

This is extremely alarming and this letter ( see attached ) comes from XXXX and directs me to their Bankruptcy department. This is what XXXX had to say on the record : Company 's Response Thank you for submitting your complaint on XX/XX/2019 through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information you have supplied through the CFPB portal and directly to XXXX. In your complaint, you indicated that XXXX inaccurately listed a bankruptcy on your credit report. You would like the bankruptcy removed from your credit report. According to our records, the disputed information does not appear on your current XXXX credit report. We are in the process of forwarding you a copy of your credit report for review. For additional assistance, you may call the toll free telephone number provided on your personal credit report obtained directly from XXXX, or write to XXXX at XXXX. XXXX XXXX, XXXX, TX XXXX. For more information regarding your credit and frequently asked questions, you may visit : XXXX XXXX XXXXXXXX. Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with XXXX. 

DESCRIPTION OF NON-MONETARY RELIEF According to our records, the disputed information does not appear on your current XXXX credit report. We are in the process of forwarding you a copy of your credit report for review.
Product: Credit reporting, credit repair services, or other personal consumer reports

hi XXXXhas a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX. XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : 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 item 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

I have been a victim of identity theft. This has been an ongoing issue with the creditors along with the credit bureaus that I have worked with them trying to rectify these issues of fraudulent accounts. For over 1 year I have submitted multiple disputes along with providing all required documentation to support my dispute. I have provided the creditor and the credit bureaus with the police report, Official FTC Report, Drivers License, utility bill to support my unprecedented situation of Real Victim Identity Theft. As a result 2 of the 4 fraudulent accounts were removed on two different occasions. Since then has popped back onto my credit report due to the creditor resolving the accounts as fraud, then deleting the accounts after which they are selling the debt to a collection agency which then reports the same fraudulent account back to the credit bureaus and re reporting of each takes place. I have spoke to a multitude of different representatives and supervisors looking for assistance to get these accounts that I have NO ASSOCIATION with removed once and for all. I have been given little assistance with these matters and close to no response back at all at this point. This is ruining not just my credit, but this ongoing issue has ruined my life. Below you can find the account names and opening date and amount! 

XXXX XXXX opened XX/XX/XXXX {$24000.00} XXXX opened XX/XX/XXXX {$31000.00} ( Chase ) XXXX XXXX XXXX opened XX/XX/XXXX {$4400.00}
Product: Debt collection

I took out a loan through XXXX XXXX I believe in XXXX XXXX XXXX for I believe XXXX. I was trying to make XXXX XXXX monthly payments and I was unable to pay my bills/mortgage so I stopped paying. 
I believe around XXXX XXXX XXXX the balance was transferred to XXXX XXXX XXXX ( XXXX ). Its my understanding that this debt was obtained by another company to collect on. According to the agents Ive spoken with at XXXX XXXX XXXX, its illegal for them to harass or, in my case, threaten legal action. I was petrified - I agreed to have them take money out of my account.. unfortunately money that I could not afford to pay because Im on XXXX.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXXXXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

I should not have any collections on my credit report. I ask that an original contract with my signature be provided or this collection be removed immediately. Based on the following FRCA Section 605B and 15 USC 1692 C ( C ), this company is violating my rights and reporting negatively on my consumer report.
Product: Checking or savings account

I did not apply for a Chime Debit card but received a card today. I tried calling but the issue is not resolved. How can I complain about this company? I want to close this account
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Debt collection

I acquired XXXX XXXX XXXX XXXX XXXX to consolidate all of my credit card debts on XX/XX/XXXX. I spoke with XXXX XXXX representative for Midland Credit Management on XX/XX/XXXX, and she stated that my previous payment plan was cancelled on XX/XX/XXXX. Also, XXXX stated that XXXX XXXX XXXX XXXX XXXX established a new payment plan for me, and that the first payment to Midland Credit Management will be XX/XX/XXXX. Since then, I have received several emails and statements from MCM harassing me about a payment. MCM is not supposed to contact me, but should be contacting XXXX XXXX XXXX XXXX XXXX regarding future payments on my behalf. I called MCM several times regarding them to stop contacting me and contact XXXX XXXX XXXX XXXX XXXX XXXX I kept being told that I needed to speak with a representative from a certain department, but no one was available to speak with me and that I should call back the next day.
Product: Credit card or prepaid card

Opened a dispute regarding charge on Credit Card with GreenSky back in XX/XX/XXXX. In the initial review of dispute, I received a letter from GreenSky on XX/XX/XXXX stating they have researched my claim and decided that I am liable for charge. I contacted GreenSky again in XX/XX/XXXX and provided them with further information regarding my initial claim. As a result, they agreed to continue their investigation on my account. GreenSky agreed to freeze my account during the time of their investigation. I followed up with GreenSky with over 50 emails and phone calls over the next several months, left numerous messages and sent numerous emails to GreenSky asking to find out what the resolution of their investigation was. I received no response either verbally or in writing. All of a sudden I started receiving statements from Greensky again in XX/XX/XXXX and again, attempted to call and email their Consumer Projects Department asking what the resolution of the investigation was. Again, never received a call back or any type of response. I found out in XX/XX/XXXX that they had begun reporting unpaid past due payments on my account, so I increased my number of calls only to finally get someone on the phone on XX/XX/XXXX. That was the first time I was given official notice of their conclusion of the investigation and requested that they remove the late payment marks on my credit as I never received notification that the investigation on my account was complete. They are now refusing to adjust their credit reporting, which they had no right to report as past due because I NEVER received any notification of the investigation on my account being completed. They previously sent me a letter stating that they have completed the investigation, prior to re-opening the investigation, so I believe that it demonstrates precedent on the manner in which they notify customers of the completion of investigation. I have still not received any official notice that they investigation is complete.
Product: Student loan

- THIS IS A REINSERTION, ACCOUNT WAS REMOVED FROM CREDIT FILE IN XXXX ON XXXX AND WAS RE-INSERTED - ACCOUNT NUMBERS DO NOT MATCH - CONTACTED NELNET XX/XX/XXXX, XX/XX/XXXX AND REQUESTED PAYMENT HISTORY, XXXX, ORIGINAL CONTRACT, PAY OFF DATE, AND PRINCIPAL AMOUNT. REPRESENTATIVE STATES THEY DO NOT HAVE ON FILE. 
- I HAVE MAILED CERTIFIED LETTER IN XX/XX/XXXX REQUESTING ALL INFORMATION ON LOAN - LOAN DISBURSEMENTS ARE INCORRECT - SCHOOL IS LISTED DIFFERENTLY ( XXXX XXXX COLLEGE ) - SYSTEMS ARE SHOWING INCORRECT INFORMATION, REPRESENTATIVES STATES IT SHOULD HAVE ALREADY BEEN UPDATED. 
- INFORMATION NOT CERTIFIED - FAILED TO NOTIFY OF REINSERTION - TRANSACTION CODE : XXXX, XXXX, XXXX
Product: Debt collection

This account is older than 7 years and past the statute, I want it removed. 

XXXX XXXX TransUnion XX/XX/XXXX Account # : XXXX XXXX Account Type : Revolving Revolving Account Type - Detail : Credit Card Credit Card Bureau Code : Individual Individual Account Status : Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$530.00} {$530.00} No. of Months ( terms ) : 0 0 High Credit : {$530.00} {$0.00} Credit Limit : {$300.00} {$300.00} Past Due : {$530.00} {$530.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Account information disputed by consumer, meets FCRA requirements Customer disputed account - reported by subscriber. 
Unpaid balance reported as a loss by credit grantor. 
Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX
Product: Credit card

I went to purchase a flight on XXXX and was presented with an offer at checkout to receive delta miles and a {$500.00} statement credit on successful application and bonus miles The {$500.00} statement credit made it desirable to open this card rather than look for a another flight- which led me to purchase this flight and open the card. 

I recently contacted Amex to ask where my statement credit was via the chat function and they told me that I was not eligible for an offer and they said they displayed a message that I was not eligible. I did not see this message, I am not sure if it was in a blocked pop up or extremely small writing but I would never have opened this credit card if it wasn't for the point of sale based advertising with the offer. 

Amex has also been targeting me my direct mail and email for years with such offers. 

I have an excellent XXXX XXXX and have never had an Amex card. This is clearly false and misleading advertising, encouraging consumers to sign up at point of purchase
Product: Debt collection

On XX/XX/2022, I, the consumer was contacted by Caine and Weiner by ways of mail to my dwelling, presenting as a debt collector for a " debt '' owed to XXXX. In response, I demanded the an opportunity to verify the validity of the debt, and was in receipt of the information to do so. Instead, I was sent another invoice stating their position as a debt collector. On XX/XX/2022, I certified mail an affidavit, and have yet to get a response from the Caine and Weiner.
Product: Debt collection

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my XXXX XXXX and financial reputation.
Product: Mortgage

XXXX XXXX C/O PHH Mortgage Services XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Tel XXXX Fax XXXX These companies & all their associates & all affiliates have repeatedly & knowingly ignored the incorrect balance on the mortgage, misappropriated escrow funds. Executed & enforced clear fraudulent mortgage loan documents with balloons of XXXX and another for XXXX, and another XXXX on a mortgage loan of XXXX in 2005. This is and has been grossly ignored and continues to use this fraudulent & forged & unsigned documents to fill their corrupt pockets. They continue to use different addresses, report negative pay history in the past.
Product: Checking or savings account

My account has been closed for over a year because I left them due to their lack of attention and willingness to help. I dont have any of my paperwork anymore nor will my local branch get it for me. There customer support was a lack of service!
Product: Credit reporting or other personal consumer reports

This information is under my name and is causing me harm. I need it removed from my history. 


XXXX XXXX XXXX XXXX XXXX XXXX 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

I sent Transunion and XXXX  an envelope containing my dispute letters on XXXX. The tracking number website confirmed both received the letters on XXXX. I called and spoke with a representative on XXXX and on XXXX. The representative kept telling me they were working on my request. I never did not receive a response from neither company. It has been 4 months now. I called Transunion on XXXX and spoke with the Manager by the name of XXXX XXXX XXXX if that is his real name ) and he told me that I did not send them a dispute whatsoever. He lied about me sending them a dispute letter and he did not help me. However, XXXX  received the dispute letter on XXXX and they removed all the incorrect inquiry information for me with no problems.
Product: Debt collection

ON XX/XX/2020 I SENT CERTIFIED LETTERS TO XXXX AND TRANSUNION EXPLAINING THE INACCURATE REPORTING AND ERRORS I FOUND ON MY CREDIT REPORT ABOUT WRONG ADDRESSES AND ACCOUNTS FOR THE AMOUNT OF {$110.00} FROM ACCOUNT SERVICES AND {$130.00} FROM CREDIT MANAGEMENT. THE ADDRESSES WAS CORRECTED BUT THEY COMPLETELY IGNORED THE REST. I RECEIVED A RESPONSE FROM XXXX ON XX/XX/2020 WITH A CONFIRMATION # CORRECTING MY ADDRESS THATS ALL THEY NEVER RESPONDED ABOUT DISPUTE IN INVESTIGATION I HAVE YET TO RECEIVE ANY INFORMATION ABOUT ACCOUNTS PERTAINING TO ME FROM XXXX XXXX IN XXXX, TX XXXX OR XXXX XXXX IN XXXX XXXX, TX XXXX OR BUREAUS
Product: Debt collection

Started communication with Midland back in XX/XX/2021 and asked to verify the alleged debt they're trying to collect. They didn't respond within the timeframe and when they did respond it was just a copy of a letter from XXXX XXXX  stating that the alleged debt was sold to Midland Credit. Midland has been unable to verify the alleged debt and I have sent them another letter asking them to verify the alleged debt and I have gotten no response.