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

This is my first 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. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXXXXXX XXXX XXXXXXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX DE XXXX XX/XX/2021 XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$2300.00} XXXX XXXXXXXX Balance : {$5500.00} XXXX OF XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : {$1000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX ( Original Creditor : XXXX THE BANK OF XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX : {$190.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Product: Debt collection

XXXX /2017 : received a bunch of Voicemails during business hours from ProCollect. Was unable to answer due to work hours and did not owe a debt so I had no idea why they were contacting me.      XXXX / XXXX / 17  : received a letter at my mothers address in another state saying that I owed a debt. Letter says it was sent in early  XXXX  but was not post marked or received ( at the wrong address ) until  XXXX , which was conveniently close to the 30 day dispute date on the letter. I had only a few days to contact my attorney and dispute the letter after receiving it.      XXXX / XXXX /   17  : my attorney sent a certified letter to ProCollect to verify debt and gave them 30 days to respond.      XXXX /2017 :  ProCollect  has not contacted my attorney with proof of debt.      XXXX  2017  : Debt in collections appeared on credit report. Attorney never received proof of debt.
Product: Credit reporting or other personal consumer reports

On my credit report for XXXX and Experian, it is still showing a XXXX loan balance, however, my loans were forgiven by the Biden Administration effective XX/XX/2023. The balance for my loans need to reflect {$0.00}.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/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 XXXX, Experian, XXXX 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 a Accounts : XXXX XXXX Account # XXXX date opened XX/XX/XXXX XXXX {$7800.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$3100.00}. Inquiries : XXXX XXXX, XXXX, XXXX. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries 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 # ( XXXX ) 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 or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : {$15000.00}
Product: Credit card

Originally I filed a complaint under case number XXXX concerning the sale of a credit card debt from Wells Fargo Bank to XXXX XXXX XXXX. There were XXXX basic issues in that complaint. 1 ) I had never received an accounting of how the balance was determined ; and 2 ) the fact that Wells Fargo had issued me a check in the amount of {$300.00} dated XXXX/XXXX/XXXX for an administrative error which was questioned. 
After the complaint was filed, Wells Fargo did provide documentation of the balance which I am satisfied with. However, they have never explained where the administrative error check came from or how the amount was determined. Since then I contacted XXXX XXXX of Wells Fargo who had sent the balance information. He called on XXXX/XXXX/XXXX but could not explain the administrative error check and provided the name XXXX XXXX who would call me back. XXXX XXXX called later that day. She stated it was not an administrative error but an inconvenience payment. After several questions she could not answer why the payment was made or how the amount was determined. She said she would call back after she spoke with the XXXX XXXX XXXX. I have attached a letter from myself and documents from Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

Began disputing these accounts as in violation of the provisions of the FCRA and the FDCPA in XX/XX/2017. 

Navy Federal Credit Union ( Settled Account ( s ) ) XXXX XXXX XXXX ( Settled Account ( s ) )
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I checked my credit report due to interest in a new vehicle and seen a couple of accounts with errors. Mainly it seems as though these credit XXXX are reporting that the account was just opened a month ago or few months ago when in fact these accounts are over 7 years old and should of been removed from my credit report. I requested that they update the info with accurate dates and they refused. These accounts are so old I don't even have a clue of when they were opened. I've tried disputing with credit bureaus but nothing happens. If in fact I did open any of these accounts please have them show you proof. An order form, an jnstall date, or how about an address? I have been living in hotels and traveling state to state for close to 3 years now. So when did I start cable? Or electric? Thank you consumer finance for your assistance in this matter and the work that you do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for ( and received XXXX a mortgage from this company. The company never provided me with information about my credit score, e.g. in a document titled, " Your Credit Score and the Price You Pay For Credit. '' I believe this is required by law. I have left several messages with this company, including for XXXX XXXX XXXX XXXX, and the company does not return my phone calls.
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme dissatisfaction and concern regarding the unresolved status of my previous dispute about unauthorized inquiries on my credit report, which I submitted onXXXX and followed up on XX/XX/2024. This is my final attempt to resolve this matter amicably. I demand an immediate resolution in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

Unauthorized Inquiries in Question XXXX XXXX XXXX XXXX XXXX XXXX XXXX Section 611 ( 15 U.S.C. 1681i ) requires an immediate investigation of disputed information. It has been more than 30 days since my initial dispute, and I have yet to receive an adequate resolution, which is unacceptable.

Section 609 ( 15 U.S.C. 1681g ) entitles me to access all information in my file, including the results of your investigation. To date, I have not received the required information, which constitutes a violation of my rights.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section, representing a serious infraction.

Immediate Action Required I demand immediate action to resolve this dispute. Specifically, I request the following : 1. Thorough and Immediate Reinvestigation : Conduct a complete and urgent reinvestigation of the unauthorized inquiries.

2. Immediate Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report without delay.

3. Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes immediately.

4. Detailed and Documented Notification : Inform me in detail of the steps taken and the results of your investigation within 15 days of receipt of this letter. Include documentation supporting your actions.

Warning of Legal Action If I do not receive a satisfactory resolution within the specified timeframe, I will escalate this issue to the Consumer Financial Protection Bureau ( CFPB ) and proceed with legal action to protect my rights as a consumer. I will not hesitate to seek compensation for any damages resulting from your failure to adequately resolve this matter.

I expect your immediate response and resolution to this issue.
Product: Bank account or service

Charges were placed on my Care Credit Card by XXXX and XXXX XXXX that had not been sent to the insurance companies provided to them for the dental work done. New Office Manager is trying to clean up the mess left by the old office manager and Care Credit Synchrony Bank will not work with that office or myself on getting this card out of collections and off my credit bureau reports. I am trying to refi my house dropping my interest from 8.5 % to 4.0 % and this is blocking the whole process. Any advice or help would be appreciated. We have offered to make payment to bring the card out of collections but the bank will not listen. The cease and desist letter with attached documents will explain everything. If you have any more questions call me XXXX. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I verified with all three reporting agencies my address, name, and that this XXXX XXXX was NOT mine. Transunion removed it on my XX/XX/XXXX credit report as well as 3 closed accounts from XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX because they were all paid off at 100 % in good standing. I sent copies of the payoffs and even my lease showing that the XXXX account was at a location at which I never lived. I was also a victim of the XXXX data breach. All of these things have been verified over and over. I am literally losing my patience.
Product: Debt collection

RE : Experian RE : XXXX XXXX I come to you again regarding Experian claiming to investigate debt under FCRA, and not providing proof of how they conducted reinvestigation of debt, nor furnished proof and validity of debt that is not mine.
Product: Payday loan, title loan, or personal loan

Got a loan from Speedy Cash and I paid it off but its in collections on my credit report.
Product: Credit reporting or other personal consumer reports

Subject : Reinsertion of account back on my credit report I have submitted an dispute on XX/XX/XXXX to Transunion regarding accounts being reported on my credit file. I asked for verification of the debt according to the FCRA, FTC and the USC laws to mail any documents pertaining to the below listed accounts. These account are not reporting accurate on my credit report. I have filed an Identity theft report along with a police report number sent via XXXX. I requested documents i.e., statements, application or anything with my signature verifying the accuracy of these accounts. These accounts have been deleted and reinserted back on my credit report. I have not received any documents after the 30 days dispute nor have I not been notified of it was going to be put back on my account 5 days prior or 5 days after which is a violation of the USC 611 laws. This has done great harm to my credit report and potential purchase of a new home i.e. mortgage loan loss. 

XXXX XXXX XXXX XXXX XXXX XXXX I am including the original documentation of the original disputes and an updated copy of my FTC complaint XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB Complaint once again to request that you remove the disputed fraudulent accounts you have been reporting on my Credit File. I have read that under the Fair Credit Reporting Act section 605b, you are required by law to remove any accounts and information that resulted due to identity theft. I previously sent you a disputed letter dated XX/XX/ with complete attachments of my personal documents as well as the ID THEFT REPORT I received from the FTC. I am now requesting to you once more to remove the following accounts and information off of my Credit File : XXXX XXXX Balance : {$120000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$6300.00} XXXX XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX Balance : {$8200.00}. If you believe that the disputed accounts belong under my name, I request of you to please send me copies of proof of verification or any documents supporting your claims that the disputed items are mine. If you can not find not provide any documents needed for the accounts ' verfication, immediate deletion of the disputed accounts will be appreciated.
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 ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

XXXX company amount is accurate tried to offered a lower amount for the debt to get it off my credit but company doesnt want to settle. I no longer owe the debt to the originators was sold to pro collect which is a collection agency.
Product: Money transfer, virtual currency, or money service

XX/XX/2023 access was denied. Was asked to called XXXX or XXXX. So, I did XX/XX/2023 - the issue was resolved as I purched using some for my XXXX amount givie=e. 
XX/XX/2023 access denied. I logged into this website and they had my number wrong. So, I repaired it. However, it's still acting strange.
Product: Credit reporting, credit repair services, or other personal consumer reports

I accidentally sent a payment for my Capital One Credut Card that was returned for insufficient funds. I called on XX/XX/XXXX to rectify the situation and was told that my credit card account was closed on XX/XX/2019. I asked why I wasnt notified of this. The very polite phone rep told me she was " sure they sent me a letter ' She followed that with, " Oh ... It does look like no letter has been mailed, but the account is closed ''. I asked how I can make up the payment as this was my first missed payment. Capital One refuses to open said account again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to submit a complaint about the credit bureau Equifax. I suspect either identity fraud or a mixed file case. On XX/XX/2018, I called Equifax ( XXXX ) with a question regarding an activity alert on my credit report, which was brought to my attention via email by Equifaxs credit security company TrustedID. 
The first person I spoke to asked me a multitude of security questions to confirm my identity. As the questions were never ending, I asked to speak to his supervisor. 

His supervisor, XXXX ( Employee ID # XXXX ), told me that their system showed my date of birth ( DOB ) was in XXXX on a different day and year than my actual DOB. She explained that a lender/creditor must have submitted the wrong DOB for me and that I should fax copies of my drivers license and birth certificate to Equifax, to correct the problem. In the environment ripe of hacking and fraudulent behavior, I do not feel safe faxing such sensitive materials, and I told XXXX this. Besides, I asked, how could Equifax have a 30-year credit history for me with the correct DOB and then suddenly decide to change my DOB in their records, without consulting me, because a lender/creditor submitted a different DOB. I asked to speak to her supervisor. 

Her supervisor, XXXX ( he would not give an ID # but said he is the only XXXX in the Office of Consumer Affairs at Equifax ), could not explain how Equifax could change my DOB without consulting with me and investigating why there was a different DOB introduced in my records. Neither XXXX nor XXXX would even tell me which lender/creditor sent Equifax the incorrect DOB. This is unacceptable, as I could have attempted to correct this error with the lender/creditor that purportedly sent Equifax the incorrect DOB for me. I asked if Equifax saw this as a red flag for some fraudulent behavior or a mixed file case. XXXX told me that he would not discuss this any further with me and that I could correct the DOB by faxing to Equifax copies of my drivers license and birth certificate and by contacting all my lender/creditors to make sure they had my correct DOB. It was not as if the wrong DOB submitted for me was off by one number, due to a typographical error. It was a completely different month, day and year. This is unacceptable and should not cause me to jump through a bunch of hoops, including sending personal data to Equifax, to attempt to correct Equifaxs error.
Product: Mortgage

My husband died, the mortgage was not in my name. I was working with Ocwen on a simple assumption and I was approved for a trial modification with Ocwen. I made all 3 trial payments and my loan was sold to XXXX. When speaking with Ocwen they stated that all my information would also be transferred including the fact that my loan was about to be modified and put in my name and that I had made all three trial payment on the trial modification.
Product: Debt collection

My day began here at work on Tuesday XXXX XXXX, 2015. I got a call where I work not sure at what time exactly but it was an early part of my day. The receptionist contacted me and said it was an emergency call with urgency, making me think XXXX of my family members were in trouble or something. I get to a phone to take the call and it was a solicitor debt collection agency contacting me about my matter. I went over details with them to acknowledge my debt and all. After I concluded with them all while I 'm still at work. They follow up with me next day the XXXX and I 'm at work busy but they just expect me to go out of my way and drop everything to go over my debt again. Persistent as it seems I walk by the receptionist desk and they mention they keep calling where I work not exaggerating but XXXX times. As pursuant as possible those calls continue on.
Product: Credit reporting or other personal consumer reports

The XXXX XXXX  Account, Credit Inquiry From XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Is fraud and needs to be removed
Product: Checking or savings account

My account was closed, after waiting over 3 months I open a complaint here, they resolved half the issue. 

They sent me 50 % of my money that was in my account that was closed without notice from one day to the next.

When the issue started the " FRAUD '' dept stated I needed to have the company owner to verified the validation of the check from XX/XX/year>. 

After a few days, I managed to get XXXX XXXX, XXXX XXXX and XXXX XXXX, owners of Book Hotel Stays to call and verify funds and validation of the check. 

Mind you, as I stated several times, this is a family operated business. 

Owners call several times, even XXXX XXXX called 3 times in a week. 

Everytime they called once the call ended they let me know and I would call again the " FRAUD '' dept only to be told that no one had call and I needed to have them call again. 

Unfortunately, its very hard to get the owners together and have them waste time like this. 

Last time I called about 45 days ago, someone told me I needed to keep waiting.

I after 7 more months of waiting for my funds, what will be the excuse or pretext for not returning MY MONEY?

I see a clear case of FRAUD been display in my case against me. I want my {$1000.00} back.
Product: Prepaid card

I filed a claim actually two claims on XXXX2023 one for the amount of XXXX dollars and the other for XXXX dollars and they obviously told me that they was denying my claims but this form finally got sent to me after I called them on more than several occasions and getting redirected over and over this money was taken on maybe twenty-five or thirty transactions that I didn't make over a two to three months period I couldn't believe that it was actually happening on my government benefits card company but the more and more it happened I got furious and demanded some answers but not that aggressive please help me recover my money and my back pay was mishandled also
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 consumer reporting agency can not furnish an 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 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 causse to believe that the information is in accurate.