23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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 accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that 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 ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$320.00} ; XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

DESPITE MY PERSISTENT EFFORTS TO CONTEST THE INACCURACIES IN THE INFORMATION REPORTING IN EQUIFAX, XXXX AND XXXX, THE ISSUE REMAINS UNRESOLVED AS TO DATE. 

EQUIFAX REINSERTION OF PREVIUOSLY DELETED ACCOUNT : XXXX XXXX - XXXX XXXX XXXX The following personal information are incorrect : Incorrect DOB - 1991 - This in incorrect. Please remove this immediately and only report accurate information. 
Incorrect Address - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX - This in incorrect. 
Please remove this immediately and only report accurate information. 
Incorrect Address - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
EMPLOYER - XXXX XXXX XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
EMPLOYER - XXXX XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
This account is not mine : XXXX XXXX - XXXX XXXX XXXX The following personal information are incorrect : Incorrect Name - XXXX XXXX XXXX This in incorrect. Please remove this immediately and only report accurate information. 
Incorrect Address - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX - This in incorrect. 
Please remove this immediately and only report accurate information. 
This account is not mine : XXXX XXXX - XXXX
Product: Credit reporting or other personal consumer reports

I've been getting alerts for new account inquiries from XXXX via the SSN protection program. I do not recognize these activities and have contacted XXXX for additional details. I was advise to file a fraud report with the credit bureau for further protection
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping thatXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX these disputed items get corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

SAFERENT Solutions broke the law and violated my federally protected rights. SAFERENT reported a false eviction on my consumer report since 2018, literally stopping me from extending credit, receiving shelter and ultimately leading to me being XXXX After finally tracking down SAFERENT and disputing this information they never marked this item as disputed on any of my consumer reports, a violation of the Fair Credit Reporting Act. They also came back not one, not twice, but three times and said this information was validated without giving me the process as to how they validated this information. I personally, XX/XX/XXXX, went to the courthouse and spoke to several clerks who were unable to locate this alleged public record in their database. I looked up the alleged docket number, my last name and first name, and the alleged plaintiff and neither the clerks nor myself were able to find the record SAFERENT continued to validate as correct. I even pulled my consumer report from over five other credit reporting agencies and none of these contained any public record of an alleged eviction. I again reached out to SAFERENT and threatened to take this manner to court for aggravated harassment and identity theft. They responded three weeks later stating that this item was deleted. No explanation why, no validation process just deleted. They have ruined my life in the last four years and the things I've had to endure just because of this horrible reporting by a credit reporting agency has to be brought to the light. PLEASE GIVE THIS THE ATTENTION IT DESERVES so more consumers lives aren't purposely ruined by this credit reporting agency.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$660.00} XXXX XXXX ( Original Creditor  : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX Balance : {$630.00} XXXX XXXX Balance : {$510.00} XXXX XXXXXXXX Balance : {$600.00} 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

Hi I filed my first dispute letter in XX/XX/2023 with all 3 bureaus, CFPB and FCRA 2nd dispute in XXXX with XXXX XXXX XXXX XXXX my personal information was exposed by the credit bureau in the past a complete violation of my privacy and rights several of the accounts are reporting need to be deleted a few of them are older then 7 years old need to be deleted also in accordance to the fair credit reporting act I have a right to privacy a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681 602 A ( 602 A section 2 ) 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 7 years
Product: Checking or savings account

My mother passed away and I am the named executor of her estate. I started probate in Florida, and obtained the necessary court orders to open and inspect a safety deposit box and to closer her account at Wells Fargo XXXX XXXX Branch. When I approached the branch, speaking with Ms. XXXX XXXX, I was informed that I needed an apostilled copy of my mother 's death certificate ( she died in XXXX ). I tried to point out to them that the apostilled copy was submitted to the court as part of probate, but that was not acceptable. I delayed traveling down to Florida ( I live in XXXX ), and started the process for getting the apostilled certificate. Once I finally got it, I re-submitted the documents to Wells Fargo. This time, they said that the names did not exactly match ( my mother had gotten divorced ). Again, I pointed out that the court had issued the court order, but they would not budge. So again, my lawyer went back to court, got an amended order, and I resubmitted it to Wells Fargo. At this point, I was informed that the box had been drilled out, because of non-payment of fees. I pointed out to them that they still have an account there with over {$10000.00} in it, from which they have withdrawn the box fees for over 30 years. But they said that since my mother had died, the account was frozen. However, they did not contact me, even though I have been dealing with this for over nine months and they have all my contact information, and they knew I was the executor of the estate. Apparently, the contents of the box are now in South Carolina, and the XXXX XXXX branch is unable to even give me an inventory of what was in the box. Wells Fargo 's incompetence in this matter has been mind-numbing. Nine months ago, when I first contacted them, I had a valid court order authorizing me to close out the account and open the safety deposit box. They ignored it, and asked for additional information, even though that information had already been submitted to the Court. They have gone out of their way to make closing this account difficult, and have made a painful task even more frustrating.
Product: Debt collection

I have a collection showing on my credit report from Midwest Recovery System with a loan on XXXX XXXX, 2016 for {$910.00} and referring to XXXX XXXX. I have never opened an account or secured a loan on XXXX XXXX, 2016. The dates are false and I owe no amount of {$910.00}. This collector is falsifying information to place a newly open account on my credit report.
Product: Credit reporting or other personal consumer reports

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act XXXX  these accounts below has violated my rights according to 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 an account without my Written instructions. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, please provide the following : XXXX. The Original Contract With My Signature On It XXXX. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) XXXX. The Payment History and Itemized Billing Associated With Each Account XXXX. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these XXXX things please delete these accounts from my credit report Thanks Furthermore, please provide the following : XXXX. The Original Contract With My Signature On It XXXX. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) XXXX. The Payment History and Itemized Billing Associated With Each Account XXXX. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these XXXX things please delete these accounts from my credit report Thanks
Product: Credit reporting

I ca n't see what to dispute but i do know someone had access to my social security numberaddress etc.and pulled my credit for loansalso there are names I 've never been associated withplus there are address i have never lived atalso there are bills i have n't charged and do not owe. 
i am unable to access my credit report someone else already has. Even though I had a fraud alert on my creditI am unable to access my social security number to change it because I have a electronic block on it. 
The credit report has not began a investigation as of yet. I have no past or present credit reports.
Product: Credit reporting or other personal consumer reports

I got my tax return intercepted by this loan company or federal loan. I was not aware of their attempt to collect a debt from me. I was unaware of this debt and didn't have the prior oppurtunity to dispute its validity. 
Furthermore, I did not receive any proper notification regarding this debt. If you believe proper notification was attempted, I request that you send me a copy of the certified letter containing my name and signature as proof of receipt. Also the original loan note/contract signed. Not sure what year they are saying I was loaned money or from what school. Additionally, I am concerned about the legality of your actions. The Fair Debt Collection Practices Act ( FDCPA ) prohibits collection from furnishing negative information to credit reporting agencies without providing all required disclosures by law. Specifically, you may be in violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). I am aware the money was taken and paid a debt that is on my report. I need the information from this debt and its validity. Also, it is showing Collection for XXXX and XX/XX/2020. How is this even possible when it should show or report 30 day, then 60 day late, then 90 day then 120 days late. How is this even legal in reporting??? I have tried and tried to contact them directly, and through Experian and other credit reporting agencies. So I am assuming I need to go to CFPB to get this done. Or next step I will have to look into. This has been harming my credit report for years. Where I can not get a loan, it is doing major damage. It is the ONLY negative item on my report. Becauase I was not aware of this. And how this looked at my employer from garnishing wages as well.
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a loan and was denied I contacted their underwriting department to fix a false and misleading denial of my unlimited credit based on title 15 subsection 1611 they have refused to fix this issue and is in violation of this title under federal law I have tried everything when I call they transfer me to the wrong department every time just trying to avoid me the company is U.S BANK
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two accounts reporting on my credit report that I am disagreeing with. These two accounts are XXXX XXXX XXXX # XXXX & Exeter Finance Corp XXXX XXXX. I reported to XXXX XXXX, XXXX XXXX and simply ask them to verify the documents are mine under the FCRA. They claim that the documentation is mine but they failed to provide me a copy of any original documentation or contract with my signature on it as required under the FCRA section 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under section 611 ( a ) ( 7 ) .Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly deleted all information which can not be verified.The credit bureaus have given me such a hard time about this and it has made my life miserable, and I 'm a forced to live like a second-class citizen.
Product: Credit reporting

I have no knowledge of Federal district debt and I would like it removed as it 's reporting to the XXXX credit bureaus and negatively affecting me
Product: Credit reporting or other personal consumer reports

Please see attached, this account has been reporting accuracy and harming me and my family.
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 XXXX. # XXXX XXXX # XXXX XXXX  XXXX # XXXX XXXX XXXX : XXXX XX/XX/2023 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 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: Checking or savings account

I changed my address to my online citibank checking account than XXXX days later I deposited my state refund check the next day XX/XX/year> it was frozen was sent to a security center all of a sudden my phone number couldn't be verified although it was when I opened the account said had to wait for a letter with a code sent in XXXX in XXXX I called again said no letter came in old or new address so they sent another I've been calling everyday nobody can help account was locked cause I changed my address that doesn't make sense I called everyday it always ended the same me in tears it's now middle of XXXX and they still won't unlock my account I tried to close the account and was told I was denied there is no branch near me the closest is XXXX miles they only say they can send another letter but I never received the first XXXX I just want my money and to close this account they won't help me they resorted to hanging up on me I need help they check is in me and my husband 's name was in process of adding him when they locked it they shouldn't of even deposited it
Product: Credit reporting

I requested my annual free credit report from TransUnion but they refused the request because there is an open dispute. Is that within the regulations?
Product: Credit card or prepaid card

XXXX XX/XX/XXXX, I used Bank of America XXXX XXXX credit card to purchase hotel stays on lastminute.com. The total amount was EUR XXXX. 

However, the posted transaction on my credit card with an amount of USD XXXX is an erroneous charge to my credit card. Here is why : XXXX  XX/XX/XXXX, XXXX XXXX rate for XXXX XXXX is around XXXX, please verify it by looking up historical public currency exchange rate. That means, the amount of this transaction is supposed to be USD XXXX instead of USD XXXX ; I was overcharged USD XXXX. 

I initiated the dispute with Bank of America XXXX XXXX Bank of America didn't investigate but closed the issue quietly. 

Additional reference for XXXX exchange rate : https : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was approved for an XXXX XXXX account then immediately locked out of my XXXX. I was informed by XXXX then XXXX XXXX that the Card/account was being closed by someone other than myself.
Product: Credit card

I opened an XXXX XXXX credit card with Barclays on XX/XX/year> with a promotional offer. The terms of the offer state that if I spend {$15000.00} in XXXX year that I will receive XXXX bonus points in addition to the points that I earn on regular purchases. In my case, I spent {$15000.00} so I would receive XXXX points ( bonus plus " on all other purchases '' category ). To date, I have only received XXXX bonus points plus XXXX points for regular purchases. I tried calling Barclays to address this issue but was not able to speak to someone who could resolve the issue.
Product: Credit reporting, credit repair services, 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, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$660.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1200.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$14000.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX  ) XXXX Balance Owed : {$110.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$64.00} ; XXXX  ( Original Creditor : ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance Owed XXXX {$8600.00} ; XXXX XXXX Balance Owed : {$5900.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Prepaid card

This bank and its rep, XXXX, lied to me saying they called me on XX/XX/24 and XX/XX/24 XXXX XXXXthey never did. I want this card ( US Bank ReliaCard ), account and the online access closed for good! The case number is XXXX. I already made it clear to confirm the closure! I don't need to call anyone -- -especially when their line is awful and of no help! XXXX did nothing but waste my time!
Product: Checking or savings account

Fifth Third Bank Gave me what they would call an Early Access Advance. I took ada advantage of advance. The advance was taken out of my XXXX check. With a XXXX check came in they withdrew there money in full and cancelled my early access advanced because I was supposedly had been overdrawn and that is not true especially for 15 consecutive days. Now tell me how that is right.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I had disputed the balance on an account reporting negatively on my credit report. I had a credit card through XXXXXXXX XXXX for XXXX that ended up in collections. Over time the account was paid off and satisfied. I have documents from the collection agency and the court that the account has been paid in full and satisfied since XX/XX/2023. XXXX XXXXXXXX  has refused to update the balance information after disputing the records with the credit bureaus even after providing court and collection agency letters stating other wise.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had one late payments on XXXX of XXXX  on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third time asking for an investigation of a bankruptcy reporting on my credit report. All three credit companies XXXX XXXX, Equifax, and XXXX have said that the data furnisher The United States Bankruptcy Court have reported the bankruptcy when they do not report to the credit bureaus. This is an unfair act and they deliberately lied about the re investigation. I feel as though this should be removed from my credit report for false responses and negligence on the bureaus behalf.