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

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove 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.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I filed a dispute with Equifax regarding a XXXX XXXX Home Mortgage account listed on my report. I received a report from equifax ( confirmation # XXXX ) stating the account was verified. I sent a follow up letter on XX/XX/2021 asking for a re-investigation. I received no answer. On XX/XX/2021 I se t a factual dispute regarding this account as it was still reporting on my credit report. As of today XX/XX/2021 I still have not received an answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2012 with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter to simply delete the following information in my credit file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the XXXX XXXX XXXX XXXX XXXX XXXX. Please delete the items as soon as possible
Product: Debt collection

XX/XX/2021 {$860.00} Fact, Affiant is aware and has proof in attachment labeled exhibit " A '' that XXXX and XXXX  is currently in violation of U.S.C 1692c ( a ) in which any COMMUNICATION WITH THE CONSUMER GENERALLY-States Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


Fact, Affiant is aware and has proof in attachment labeled exhibit " A '' that XXXX, Maury Cobb and Associates, LLC is currently in violation of 15 U. S. C. 1692c ( 3 ) ( b ) COMMUNICATION WITH THIRD PARTIES-Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate in connection with the collection of any debt with any person other than the consumer his attorney. XXXX and Maury Cobb and Associates, LLC willful violated my rights by non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on but these items are not mine and they all need to be deleted from my credit report XXXX XXXX XXXX, XXXX, XXXX XXXX AND XXXX  XXXX XXXX XXXX. I have contacted the FTC and the XXXX Police department.
Product: Money transfer, virtual currency, or money service

Starting in XX/XX/year>, I became a victim of an internet scam scheme in which a company named XXXX misrepresented itself as a professional, legitimate broker and offered me the opportunity to make money from so-called online trading without risk. 
I thought I was on a reputable investing track, but Id like to point out that their practices were illegal, deceitful, non-regulatory, and highly questionable. 
As a result, the scammers forced me to use the services of XXXX and XXXX to take my hard-earned money ( in the total amount of XXXX XXXX ). 
The main person I engaged with during this scam operation was someone who identified as XXXX and claimed to be an account XXXX at XXXX. Our connection was mostly through XXXX and XXXX channels, where XXXX provided guidance and instructions throughout the entire trade process. He also insisted on verifying my identity and frequently offered direct trading advice, all under the pretense of taking part in a collective trading contract with a XXXX XXXX 
Employees at XXXX were disrespectful and repeatedly pushed me to invest more money. They pressed on increasing the amount so that I could have lesser charges and more profit on trading - however, as I later discovered, those enticing techniques were meant to extract as many dollars as possible. My naivety and lack of experience were sophisticatedly exploited- the corporation has never behaved in my best interests, and it was thought I was unfamiliar with the crypto area Transactions with XXXX were mostly made through my XXXXXXXX XXXX account. 
I should mention that I have never utilized any cryptocurrency exchange companies previously. However, things took a fretting turn when I tried to begin making withdrawals from the company. Instead of swiftly facilitating these requests, I received a succession of excuses, unexplained delays, and requests to speak with new personnel ostensibly in charge of arranging deposits. This lengthy absence of contact and failure to address my issues has left me very worried and increasingly persuaded of the scams existence. I am quite concerned about the status and security of my funds, as well as the integrity of the businesses that executed these transactions. 
I raised my concerns and demanded a refund several times as I became more skeptical of the rising demands. Despite repeated requests to withdraw my monies, I was consistently denied and advised that additional fees were required for the withdrawal process. 
After some thought, it became clear that XXXX and XXXX 's promises were false, and I realized that my cash had been illegally stolen by XXXX and XXXX himself. 
After I revealed that I got scammed, I tried resolving the matter directly with XXXX, which was utilized to initiate transfers, but XXXX is not willing to cooperate with me and is not responding to my requests. 
I am requesting that CFPB, as a reputable regulator, intervene in this matter and hold XXXX liable for the situation that happened to me, as my money was sent to the suspicious cryptocurrency wallets under the manipulation of the scam entity, and XXXX failed to prevent these transactions.
Product: Debt collection

I have been receiving threatening mail correspondence from Hood & Stacy attorneys at law regarding an alleged debt - account that was opened back in 2004. This account was disputed to the financial institution due to identity theft. Now, this office is attempting to collect the amount of {$8000.00} for charges that I am not liable for. I asked them for verification of the debt, and they sent me a contract agreement containing a forged signature, which by all means is not my real signature. They also provided me with an address that I did not have at the time I supposedly opened this account. I also ask them to provide me with details of how the amount was calculated since I was curious, and they failed to do so. Now, I am receiving harassing correspondence from this office, and I would like for them to stop any collection activity since I am not liable for any portion of the debt.
Product: Debt collection

I entered into a contract to settle a private student loan debt with Educap Inc. ( doing  business in California as " Loan to Learn '' ) brokered through Educap , Inc. 's loan servicer and debt collector law firm, XXXX XXXX. The terms of the settlement are well documented, specifying the monthly payment, down payment, as well as confirmation that there will be no other interest added. I paid the debt in full and have confirmation from XXXX XXXX about my payment. I contacted XXXX XXXX many times to provide an updated paid off account summary and received no response. Despite making full payment, XXXX XXXX reported my debt as delinquent to credit bureaus, falsely alleged I owed over {$7000.00}, and sold my debt to collections XXXX XXXX XXXX XXXX XXXX XXXX, who now falsely allege the debt is verified and accurate.
Product: Credit reporting

I hereby acknowledge that I am the author of all data within this complaint, and I am the owner of all accounts identified within this complaint. 

There have been several disputes submitted to Experian regarding inaccuracies with more than XXXX account ( XXXX and XXXX were submitted through this portal ). 

There are approximately XXXX accounts on file at Experian that appear tot be incomplete. They lack an Account Type, Balance, Pay History, or have a Monthly Payments that are & gt ; XXXX, when the account is either closed or - has no balance. 

Additional issues are also highlighted for an Account that I never opened, an account where the Pay Status does not equal the Pay History as well. 

My Acct with XXXX as an example ( Issues XXXX ) has been disputed previously and Experian has stated they verified this account. 

There are some XXXX accounts with no " Account Type '' Classification, when this appears to be required as part of the metro file/cdia/crrg requirements I have seen. 

1. Please verify the status of this account, as it is not accuratea. The Account Balance is inaccurateb. The Payment History is inaccurate and incompletec. The last paid date is inaccurateA summary is attached alog with screen shots from Experian 's Direct credit monitoring service.
Product: Credit reporting or other personal consumer reports

It has come to my attention that my personal informations has been exposed in the national data Breach. Reviewing my credit report I noticed some accounts that I am not familiar with. I have ask CRA for a validation of Debt, however the information has not been provided. Due to my informations being exposed, I have submitted the FTC complaint Reporting the informations I am not familiar with. Please find the attached of my ID, FTC complaint, and data breach report showing my information being exposed.
Product: Checking or savings account

On XX/XX/2019 at around noon I went to cash a check for {$7300.00} to the Bank of America office in XXXX XXXX XXXX XXXX, CA at first the teller asked me if I had an account, since I did not she told me she could not cash it, even though it is a check from Bank of America, because the amount was too much! I asked what is the max account she told me she could not tell me. Then she called the AVP Financial Center Manager, XXXX XXXX. XXXX, who proceeded to tell me if I did not wanted to deposit my check ( assuming I open a new account ) he " would not cash it '' because it was over the amount and I should go and deposit it to my XXXX XXXX ( my wallet was open and he saw my ATM card, I know because he pointed at my wallet ) I explained once again I wanted cash it and did not wanted to deposit it, to which he replied he would not cash because it was over the amount and he did not have to tell me what the max account is. I asked him to tell me based on what BofA bylaw was he basing his decision, he just repeated he would not cash the check for me and he left. 
I dont think I should be forced to open an account in Bank of America just so I can receive payment for services I rendered. Or as the teller told me as I was picking up my documents, go to a check cashing place where I would lose what I consider a high percentage of my earnings, or wait several days to receive payments if I deposit it to my account in my Bank XXXX as Mr XXXX suggested. Either way, I lose either time or money.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2019, CITIBANK NA., BEST B add a hard inquiriy on my credit report per XXXX  XXXX The report does not include information about the creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I urge you to promptly take action to remove the fraudulent accounts from my credit report, as they were not authorized by me and are causing significant distress. It is crucial that you rectify this error without delay. I kindly request you to thoroughly investigate the situation and expedite the removal of these unauthorized accounts from my credit report as soon as possible. Your urgent attention to this matter is greatly appreciated.
Product: Credit card or prepaid card

I sparingly use my PNC credit cards so its easy to see when they charge more interest than they are supposed to its not hard got see. I carried over a {$200.00} balance on my credit card then 2 weeks later I paid my insurance of {$800.00} my charge wasn't even 2 weeks old but they calculated the interest for 30 days before I had a chance to pay the bill off the following month. I contacted them on XX/XX/29 but the customer service lady kept telling me the interest is based on the average monthly balance which didn't make mathematical sense and she said she will fill out a complaint form for me but didn't know if I would get a call or letter back. whether they call or not the business practices that I see they want to use of milking every XXXX from their customers is not something I want to be a part of I will not use their credit cards again and hopefully I can get in on the next class action lawsuit against them since that seems to be popular. The customer service for PNC is shameful and I will stop being their customer and hope this will help others know what kind of company they are dealing with. this is how they want to do business beware do not use their bank unless you are ok just giving them money.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are many inquiries on my credit report that I did not authorize, XXXX from XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX from XXXX XXXX and XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX from XXXX XXXX XXXX from XXXX XXXX Chase Bank has multiple inquiries from XXXX XXXX XXXX This inquiries were never authorized by me and I would like them removed.
Product: Credit reporting or other personal consumer reports

I am filling a complaint against XXXX for failing to properly investigate my dispute regarding inaccuracy in my credit report. Despite my submission, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.This practice violates The Fair Credit Reporting Act ( FCRA ) ,15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX action may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting on my credit profile inaccurate payment history. The accounts listed are paid on time XXXX XXXXXXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and it shows a bankruptcy listed on it. I sent letters to all three credit bureaus requesting documentation showing how they validated the bankruptcy. I received a response from Experian stating the bankruptcy was validated but did not send any proof of the validation.
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 how to remove the fraudulent INQUIRIES in my report and found that I need to visit the FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any INQUIRIES 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 INQUIRIES that do not belong to me or were opened without my permission. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I have been debt free for two years. All of a sudden, I am receiving calls from Midway XXXX for some unknown debt. They are picking at the carcasses of charged off debts to make money while destroying peoples credit. This is a predatory collection agency and they need to be shut down.
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. 

ACCOUNT NAME ( XXXX XXXX XXXX XXXX  XXXX ) HAS VIOLATED MY RIGHTS ACCOUNT NAME ( XXXX XXXX XXXX XXXX ) HAS VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A. States i have the right to privacy. 

ACCOUNT NAME ( XXXX XXXX XXXX ) HAS VIOLATED MY RIGHTS 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

My entire balance is completely unavailable- frozen- and my credit cards, mortgage, and other bills NEED to be paid. This is affecting my credit and it is not my fault. It's been 18 days.
Product: Debt collection

I am constantly being bothered and harassed by a company called  True Accord!!!!  The guy named  XXXX  called me at work about a debt I know nothing about requesting credit card information. I advised him I could not talk he called my job.     After that I have received calls on my cell phone and I receive at least  XXXX  emails from them a day. They are being very aggressive and threatening to sue me if I do n't resolve the matter before   XXXX   XXXX       I have received  XXXX  emails from the following individuals below just in the month of  XXXX  and today is only the  XXXX !!!     I have received emails from  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  They also said they are called  XXXX   XXXX
Product: Mortgage

Current Mortgage XXXX per month to XXXX. Before my XXXX I had no problems with this payment- I can not believe my reduction in over half my income and only XXXX was reduced for the month. When I told my representative that this reduction amount would not help me. I was simply told I could decline it. Later, I started to receive them about my notices about selling my home and foreclosure. I want to keep my home.. I need an affordable modification amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting incorrectly the XXXX XXXX XXXX partial account number XXXX as ( 120 ) plus days past due. ( Please see page 4 of the attached credit report. ) This account was included in my bankruptcy and should be reporting as such. I have contacted the bureau to fix this however, I have been unsuccessful. This incorrect reporting is harming my credit score. This trade line item needs to be updated to report accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Following Only 2 Addresses are associated with me. 
XXXX XXXX XXXX XXXX CA, XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Address ID # XXXX Apartment complex _____________________________________________________________________ Please correct the following, prior to filing FCRA lawsuit against Experian CC. Law Offices XXXX XXXX XXXX Following Addresses and Phone Numbers are NOT associated with me. 
XXXX XXXX XXXX XXXX CA, XXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Address ID # XXXX Multifamily XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX ID # XXXX Multifamily XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX ID XXXX XXXX Single family _____________________________________________________________________ Phone Numbers ( XXXX ) XXXX Cellular ( XXXX ) XXXX Cellular _____________________________________________________________________ I did Not apply to XXXX XXXX it was obtained without my permission XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX Contact info XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX
Product: Mortgage

My name is XXXX XXXX XXXX, and I mother originally start buying a house in XX/XX/XXXX, with XXXX XXXX, but around XX/XX/XXXX, P.H.H. Mortgage Scam Artists got on my mom credit reports and so we thought it was legal until, they had XXXX XXXX from XXXX, XXXX sent us a phony Summons, than it led to another Lawyer Scam Agency, after we went through the XXXX Attorney General. We still are living in my sister 's house because the " Privacy Act Laws, " were not there. The state of XXXX received {$45.00} XXXX  Dollars, and yet my mother and I have received anything about saying we can get back into our home or a Refund .... Thanks.
Product: Credit card or prepaid card

On XX/XX/XXXX I called the customer call center to cancel my business account and paid the total amount they confirmed. 

Today XX/XX/XXXX I checked the account, and it appears an amount of {$26.00} as an interest charge on purchases, XXXX month after, having explained to the bank agent I would not like an additional interest beyond scheduled amounts to be assessed, to prevent this situation, due to the illegality of the charge. 

Having already been in this situation in my personal bank account I request the authority to review this illegal charge and answer my request cancelling the {$26.00} amount.

I request such authority to review the process the bank have when a customer ask for a cancellation of a credit bank. Because from my perspective these activities affect the customers in the following manners : 1 ) The Bank is using its services for personal gain, avoiding the cancellation of a credit card at the time the customer is asking.

2 ) The customer may loss a good amount of money in the case of a major amount owed and maintain the account open without the customer notice.

3 ) The Bank should implement better security measures and quick process at this kind of requests giving the customer an accurate figure.