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

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking 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 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 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 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 alleged identity theft, not later than 4 business days after the date of receipt.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I sent an international wire to XXXX XXXXXXXX XXXX in XXXX XXXX for {$75000.00}. On XX/XX/XXXX, Chase ended the relationship. Meanwhile, the recipient of the wire claims he never received it. On XX/XX/XXXX, Chase claimed that XXXX XXXX refuses to distribute the funds to the recipient for policy procedures and sent the funds back to Chase. On XX/XX/XXXX and XX/XX/XXXX, Chase claimed that they were going to send a check for the {$75000.00} to me. On XX/XX/XXXX, Chase claimed that actually they never had the money that it was still at XXXX XXXX. My recipient claims that he still doesn't have the funds. On XX/XX/XXXX, Chase finalized their decision. Neither myself or the recipient have the funds.
Product: Debt collection

I have called XXXX XXXX Medical Center to check if I owe anything but they confirmed all of my bills were paid off.
Product: Debt collection

Trying to fix my credit and take some stuff off of it that is not none of mine
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX : XXXX XXXX XXXX XXXX : {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is not licensed to collect in my state. I'm am a Texas resident and this company is bonded in Kansas. Today, XX/XX/2018, this debt was added to my credit report! I'm furious! Not only because they are illegally trying to collect in my state, but I have NEVER even done business with this company. I don't know who they are! I have worked really hard on my credit and haven't had late payments or new deragatory marks on my credit in YEARS!. The company attempting to collect the debt is NATIONAL CREDIT ADJUST. THEIR address is Creditor Contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, KS XXXX | ( XXXX ) XXXX. The amount listed is {$830.00}. No one even ever attempted to contact me.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Was Made on Time : According to my records, the payment in question was made on time. I have attached bank statements that confirm the payment was processed before the due date. 
XXXX XXXX XXXX : The account was affected by a natural disaster during the period in question, which should have been taken into consideration. Creditors are required under certain circumstances to provide hardship relief due to natural disasters, and this has not been reflected correctly in my credit report. 
Inconsistent Reporting : The account is reported differently across various credit bureaus. The inconsistencies between TransUnion, XXXX, and XXXX in regard to the payment status and dates further indicate the presence of errors in the report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

I filed a dispute on XX/XX/2020 with each credit bureau regarding inaccurate/fraudulent accounts. It has been more than 30 days and I have not received a response. I was under the impression that the credit bureaus had 30 days to complete an investigation and if they failed to do so the accounts had to be deleted. Well since it had been past 30 days, I sent each credit bureau a no response letter this was XX/XX/2020. I still have not heard anything from them, I have not received any results or any notification that an investigation had even started. I am becoming frustrated and thinking about filing litigation because the credit bureaus have been ignoring my disputes and that is not cool at all. I was a victim of the Equifax data breach so I don't know who got their hands on my information. Please delete the accounts immediately. 
XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is govern by 15 USC 1681. And they have violated my rights numerous times. And I demand the accounts listed below be remove because according to 15 USC 1681 : I have the right to privacy and did not give Equifax my written permission to furnish any of the accounts below and Equifax should NOT be reporting my transactions or experiences with any of the accounts below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Violation # 1 15 U.S. Code 1681a - Definitions ; rules of construction 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Violation # 2 15 U.S. Code 1681b - Permissible purposes of consumer reports ( cosign ) ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Violation # 3 15 U.S. Code 1681 - Congressional findings and statement of purpose ( sold to 3rd party ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Credit reporting or other personal consumer reports

Please refer to my previous complaints. 

Regardless of my supposed election for electronic statements ( in XXXX, when my loan was transferred in XXXX! ), it is Mr. Cooper 's responsibility to ensure that consumers are able to access their account statements online. I attempted on several occasions to access my account online through Mr. Cooper 's website. However, Mr. Cooper 's website was apparently hacked conveniently around the same exact time that my loan was transferred from Homepoint to Mr. Cooper. When I attempted to create a new account or even visit Mr. Cooper 's website I was met with either their website not loading at all or receiving an error message that their site was " Under Construction. '' My original complaint was in response to the inaccurate credit reporting by Mr. Cooper, so I didn't think it was necessary to explain to them that their website wasn't working, which they're clearly aware of because they've now added a message at the top of their website notifying users of the cyber attack. 

I didn't realize that my statements were changed to electronic and had no idea that my escrow account was short, requiring that I increase my payments because I NEVER RECEIVED ANY NOTICES! For some reason unbeknownst to me and logic, Mr. Cooper is perfectly capable of sending notices via mail if it's in response to a complaint through the CFPB, but they can't mail a simple escrow statement. To date Mr. Cooper still hasn't mailed a copy of the notice about my escrow shortage, even though I've requested everything to be sent to me in writing on two separate occasions now! They also haven't mailed copies of their response letters to my complaint! 

Please provide a contact for my attorney to follow up with.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX continues to violate my right to privacy, which is a violation of the XXXX XXXX XXXX XXXX. Even after when I made them aware of the federal laws they are breaking by sharing my nonpublic personal information WITHOUT my consent. They have willfully ignored my request to opt out of sharing my nonpublic personal information with other nonaffiliated 3rd parties. 

XXXX XXXX continue to aid with consumer reporting agencies to furnish negative information in the form of " late payments '' on my consumer report without my consent in their attempt to extort me on this extension of credit. They make false statements stating that the Fair Credit Reporting Act requires them to furnish information about me without my consent when Credit Reporting is OPTIONAL WITH MY CONSENT. 

I have suffered monetary actual damages from the results of XXXX XXXX furnishing this inaccurate information, damaging my reputation and restraining me from operating in commerce in which the banking system is dependent upon! I have tried to resolve this issue through a direct dispute and indirectly through the consumer reporting agencies that they are furnishing this information to. 

*see attachments*
Product: Mortgage

Denied VA Home Loan While I Meet All VA Loan Requirements And Have Approved Loan From Another Company. 

They Used Debt Incurred During Deployment As The Reason For Denial Of Home Loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is 30+ mistakes on my credit report! I have highlighted the mistakes. I have also sent 5 dispute letters but there has been no change! I have attached all documents. Thanks.
Product: Credit reporting

disputed a bankruptcy that is listed on my credit report. It has been over 7 years and they continue to list it on my report.
Product: Debt collection

I get repeated phone calls from XXXX regarding debt collection. I have no debts in collections. I have a car loan that is ten months ahead, a credit card that is paid off in full every month and all of my medical bills are paid off completely. I do not have any active collections accounts in my credit report. I XXXX the number and it comes back as Professional Recovery Consultants. I have had no written notice from anybody about any kind of debt that I have in collections and believe this to be a scam operation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX my bankruptcy was discharged. XXXX XXXX, The mortage company first told me i had to reaffirm the debt. I called my lawyer and he said in California, you can not reaffirm a mortgage. I continuously paid my mortgage but they refuse to report it on my credit report. XXXX XXXX, I talked to XXXX Bankruptcy Department and they stated all I had to do was send credit bureau my payment history and they will put it back on. I Sent the information in and the credit bureau and they said XXXX has to report it to them again. I have attached my payment history to show that I have been continuously making my payment. 
XXXXXXXX XXXX XXXX  XXXX, SC XXXX XXXX XXXX Phone Number : ( XXXX ) XXXX Acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Pro Collect Inc to dispute the balance on my account. Pro Collect Inc is located at XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. There phone number is XXXX. They are not my original creditor. Remove this account
Product: Credit card

I applied for a Capital One Quicksilver card on XXXX XXXX, 2015. I read through the terms presented on the webpage before filling out the application. The terms as presented on the webpage stated that there was no membership fee for the card. I received the card and activated it and was surprised to see a membership fee on the listed charges for the card when I set up an online account. I called to question the fee and was told that it was a term for my account. I went to double-check this and saw that the terms listed on my card did list a {$39.00} membership fee which was contrary to the terms presented to me when I signed up for the card. I faxed Capital One on XXXX XXXX, 2015 a letter letting them know that the terms presented to me when I signed up for the card did not state a membership fee and that was the card I thought I had signed up for. I included a print-out of the page I had read with the term listed of no membership fee. I received a response on XXXX XXXX, 2015 in the form of a letter from Capital One stating that they would not waive the membership fee. I called to follow up and was told that there are more than XXXX 'Capital One Quicksilver ' cards, a Quicksilver and a Quicksilver One and that I had applied for the one without the fee but qualified for the one with the fee. I am a very upset that I was misled in this manner by this type of bait-and-switch of XXXX cards with similar names. If Capital One wants to charge a membership fee they need to make it clear in the terms presented when you sign up for the card not just have it appear in the terms that appear once you have already gone through the process of applying for the card. This is a misrepresentation and/or fraudulent conduct as presented to the consumer.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/year> Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX Last 4 of Social : XXXX Credit Bureau : Equifax, XXXX, XXXX RE : Re-insertion violation - no notice given to consumer To Whom It May Concern, I disputed an account reported by in the file you maintain under my Social Security number. I was informed back in XXXXXXXX XXXX XXXX that the XXXX XXXX account was deleted from my credit report. 

Now I have discovered that the item has been reinserted on my credit report. 

In accordance with the requirements of the FCRA section 611 ( a ) ( XXXX ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. 

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. 

I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX 

Please govern yourself accordingly. 

Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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 of 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

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, and XXXX XXXXXXXX. Please delete these accounts ASAP.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Account name : CAP ONE
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/XXXX Letter Credit Bureau XXXX XX/XX/XXXX I mailed off a certified letter to the following credit bureaus. I noticed that it has been past 90 days now and nothing has been resolved at this point your company continues to report inaccurate information on my credit report. I am now sending my second letter of concern with the following errors and inaccurate information that your company continues to list on my credit file. I must warn you that you breaking several laws in the Fair Credit reporting Act and it is a violation of my rights. I wont allow this to continue because its very hazardous to my life and my credit profile. I take my personal information very seriously and I know my rights and laws. In this situation my rights have been violated and I have record of the violations including the letters of my credit report of you falsely impersonating to be me over bearing fictious signatures without my consent and going over boundaries which require me to contact my lawyer and other law enforcements for this reason alone. Someone will be in contact with you very soon. You have caused major distress and I will be taking legal actions against your company, I have filed an FTC complaint, in the process of filing a lawsuit. This is an affidavit and an internal dispute. An internal dispute takes 3-5 days and I demand all the inaccurate information to be removed immediately following this investigation. I will call to check on the status of this dispute and write down the names and I will be recording the phone calls. If you intend to send me letters saying you have verified the account or information I will be forced to take legal action that instant. I have attached a letter of the inaccurate information that is listed on my credit file by your company. The accounts listed on my credit file are reporting inaccurately and theyre listed in the attachment below. You removed some but you didnt remove the following in the attachment.
Product: Credit card

I bought an Apple XXXX in XX/XX/XXXX and set up automatic payments of {$33.00} for 3 years. The automatic payment didnt pay on time for 2 months in XXXX and I was requested to pay them. I did immediately, and fixed the problem. I have paid the loan off completely with the last payment in XX/XX/XXXX. I am still being reported as late payments from Apple Pay resulting in a lower credit score. The loan was paid off 21 months ago and I continue to have reports on my credit reports as having late payments on my records.
Product: Debt collection

This company, Harris and Harris says that they're a law firm, calling in an attempt to collect a debt. They have repeatedly called my place of employment. I have stated to them that this debt is not mine, and if they believe it is, please send the original debt information to my home address that they should have on file. 

This has now become harassments at my place of employment, which I think they're trying to extort money from me on a debt that is not legally mine. 

I believe these people to be, or in the practice of committing fraud. 

There telephone number is XXXX.