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

" Someone and some financial agencies are trying to access my credit data. I am reaching out to kindly request the processing of my opt-out request as soon as possible with XXXX XXXX XXXX Please prioritize this matter for prompt action. I have tried to email them, at Innovis XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX But I am not getting any response or completion of my request. I have also submitted the Innovis XXXX XXXX XXXXXXXX XXXX form and NO SUCCESS. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to notify the credit bureaus YET AGAIN that I was a victim of identity theft and that I want these bogus items that were added to my credit report as a result of the alleged identity theft removed. Credit bureaus are obligated to REMOVE any items identified in identity theft in accordance with FCRA XXXX ( XXXX U.S.C. XXXX ). Here is the list of things I wanted to get rid of, once more. 
XXXX XXXX CT XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX A XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$4500.00} ; XXXXXXXX XXXX XXXX XXXX : {$40000.00} ; XXXX XXXX XXXX XXXX Balance : {$40000.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

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 has violated my rights. 

I looked at my credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( XXXX ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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. Please delete these inaccurate and unverifiable accounts
Product: Credit reporting or other personal consumer reports

Urgent Request for Removal of Fraudulent Accounts Dear TransUnion Team, I am writing to dispute the following accounts on my credit report, which I believe were opened fraudulently. These accounts were not authorized by me, and I did not consent to any transactions or applications related to them.

**Fraudulent Accounts : ** 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 To support my claim, I have attached the following documents : - **Federal Trade Commission ( FTC ) Identity Theft Report** - **IC3 ( Internet Crime Complaint Center ) Referral Form** Given the serious nature of this situation, I kindly request that these fraudulent accounts be removed from my credit report immediately. Please also ensure that any negative information related to these accounts is removed, and I am provided with an updated credit report reflecting these changes.

In accordance with the Fair Credit Reporting Act ( FCRA ), I expect a prompt investigation into this matter. I request a written confirmation of the removal of these accounts and any other steps taken to rectify this issue.

Please contact me at the above address or by phone if you require any additional information. I appreciate your urgent attention to this matter.

Thank you for your prompt action. 

Sincerely, XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I had a brief hospital stay at XXXX XXXX. As I was leaving the hospital, I paid my " anticipated charges '' in the amount of about {$400.00}. My balance ended up being around {$600.00} total and was paid the following month after I was sent a bill by XXXX XXXX. That month I was also contacted by Evergreen Professional Recovery stating that I owed money to them for services rendered by XXXX XXXX. These bills had already been paid and I spoke with XXXX XXXX and got everything cleared up and eventually switch insurance providers. 

Earlier this month ( nearly five years after paying this bill ) I received a phone call from XXXX at Evergreen Professional Recovery on XX/XX/XXXX and again on XX/XX/XXXX stating that they are trying to collect on this debt. They have not been able to provide me with any paperwork. XXXX suggested on XX/XX/XXXX that I call XXXX XXXX to clear up this issue. I called XXXX XXXX XX/XX/XXXX and was informed that I had no balance on my former account.
Product: Credit reporting or other personal consumer reports

Under the FCRA, the CRAs are legally required to follow reasonable procedures to assure maximum possible accuracy of the information contained in consumer credit reports. 

15 U.S.C 1681 ( E ) ( 5 ) Accuracy of Report, states that whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedure to assure maximum possible accuracy of information concerning the Individual about whom the report relates.

That being said, 15 U.S.C 1681 ( a ) ( 2 ) ( A ) ( i ) under the Exclusions clause states that, the term " consumer report '' does not include... any report containing information solely as to transactions or experiences between the consumer and the person making the report.

Congress concluded that transactions and experiences are not part of a consumer report. Late payments, charge-offs, and collections are transactions because they involve deferred payments, and utilization referring to a credit account is an experience created by credit usage. This is not a request for verification. It is precisely clear by the language enacted, that congress did not intend for a consumers payment history and account balance information to be included within a consumers report.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$14000.00} ; XXXX XXXX XXXX Balance XXXX {$2500.00} ; XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX - XXXX - XX/XX/year> - {$1300.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Mortgage

1. Purchased home on XX/XX/XXXX. 1st Mortgage ( $ XXXX ) with XXXX XXXX XXXX XXXX, 2nd Mortgage ( $ XXXX ) with XXXX XXXX XXXX XXXX. Purchase price for home was $ XXXX 2.  XX/XX/XXXX 1st mortgage was sold and 2nd mortgage was sold to XXXX XXXX  XXXX. 

3. In XX/XX/XXXX both loans were sold again, the 2nd mortgage was sold to a " XXXX XXXX  ''. I contacted XXXX as I was no longer getting the bill 's and they responded by saying they hadn't received all the information on the loan, and quickly it transferred another bank and then again another bank and I was unsure who I needed to pay. 

4. In XX/XX/XXXX we had an opportunity with XXXX XXXX XXXX to refinance into a modification and we were told that the new loan would be $ XXXX, we thought this as including the 2nd mortgage. 

5. From XX/XX/XXXX to XX/XX/XXXX we made our payments ontime thinking we were paying for both mortgages, but in XX/XX/XXXX we received a forclosure packet from Franklin Credit Management Corporation. We throught from XX/XX/XXXX to XX/XX/XXXX we were making our payments, we weren't receiving any correspondence regarding a 2nd mortgage and our credit report no longer showed the 2nd mortgage or any late payments so we were extremely confused as to why we would be served forclosure papers. I have attached the notice of default we received from Franklin Credit stating we needed to pay {$39000.00} to cure default. 

6. From XX/XX/XXXX until XX/XX/XXXX I was trying to figure out what was going on with regards to the 2nd mortgage as I thought it was paid, and because they were going to foreclose I had to start making payments on XX/XX/XXXX of {$1700.00} per month up until current. Please see attached payment history. 

7. XX/XX/XXXX we decided to list our house on the market and asked for a pay off from both mortgage companies and the 2nd mortgage sent us a payoff of {$80000.00}.
Product: Credit reporting or other personal consumer reports

I have a hard credit inquiry in my XXXX credit report under the name of Comenity Bank  XXXX ( Victoria Secret Credit card program ) with date XX/XX/XXXX. I have never applied to any Victoria Secret and/or Comenity Bank credit card, neither I am a customer, or have been a customer, of either companies. I reached out to Comenity Bank on XX/XX/XXXX about the credit inquire, and they assured me there were no records under my name, email, phone number, and/or social security number in their system with a past or active application. Simultaneously, Ive opened XXXX ( XXXX ) disputes about the hard inquiry with XXXX, dated XX/XX/XXXX and XX/XX/XXXX, and they have both been closed less than XXXX hours after with a seemly automated message of the inquire is accurate and will remain in your report. I have tried to reach out to XXXX via phone on XX/XX/XXXX and XX/XX/XXXX without success after more than XXXX minutes on hold.
Product: Money transfer, virtual currency, or money service

My complain is about Crypto.com. I opened crypto account a while back and when i opened the account to trade crypto currency i scaned  my id and everything they wanted and i started trading crypto currence. At some point i wanted to withdraw my currency to my bank account and they wont let me withdraw the money since my mailing address is po box and i tried reaching out to them saying that we live in area we dont get mail delivered so we are mandatory required to have po box address so all my utilities and bank account and even my id has po box . 
My complain is why did they not disclose this when i opened the account that i need physical address not po box why did they allow me to use my bank account and my id which has po box address to open account and now i want to withdraw they come up with this that i need physical address.they need to let the customers know before they open account not when they want to withdraw. 
I lost so much money coz i was not able to withdraw crypto whien they were up and now they are down so i lost money and they are not taking any responsibilities and my money is stuck and i cant withdraw.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion, XXXX, XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX about fraudulent accounts that does not belong to me, multiple times. And they have yet to remove these fraudulent items from my credit report. I have filed a report with the police agency and FTC. All the accounts that needs to removed are as follows XXXX  XXXX XXXX XX/XX/XXXX {$720.00}, XXXX  XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXX  XXXX XX/XX/XXXX {$2700.00}, XXXX XXXX XXXX {$350.00}.
Product: Vehicle loan or lease

My car was a total loss in XX/XX/XXXX, my insurance paid out over XXXX the check was cashed and showed in the Bridgecrest app as a payment onXX/XX/XXXX, my gap insurance also sent payment that was cashed by Bridgecrest on XX/XX/scrub>XX/XX/XXXX, these check coupled with the car payments I was still making totaled more then what I owed for the car, the car has now been paid for plus some, yet its XX/XX/XXXX and Bridgecrest has reversed payments on my account and is showing a balance owed from when I first bought the car. What have they done with all my payments? Why am I being charged payment reversal fees when I never reversed any payments? Where did all the money go? When I call and ask they tell me they have my money and they need more time to process things and that Im to keep making payments, I dont understood how this is legal? They cashed the insurance checks? Am I being scammed?
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Friday XX/XX/2018 I was looking to find a better rate for my car loan on Rate Genius. I got to the part where it asked me to inter my SS number. I read the discloses which indicated that there could be some hard credit pulls by different financial institutions. I did not enter my SS number and closed the page because I didn't want hard pulls on my credit history. So I get a notification that XXXX XXXX XXXX pull a hard credit check. Spoke to the credit union and they informed me that rate genius sent them my information. Called and spoke to Rate Genius they told me that they work with the credit agency 's and all the need was a name, address and birthday, which they ask for prior to getting to the SS number, and they can pull the SS number without the public entering it into the portal. I find this to be very sneaky way of trying to get business. Now I have to dispute the hard inquiries and waste my time with this nonsense.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX for repeated violations of the Fair Credit Reporting Act ( FCRA ). These violations have caused significant harm to my financial reputation and emotional well-being. 

Violations : Denial of Access to Credit Report : XXXX refused to grant me access to my credit report despite providing valid identification, including a utility bill, drivers license, and Social Security card. This violates FCRA 609 ( a ), which guarantees consumers the right to access their credit report. 
Reporting Inaccurate Public Records : A dismissed bankruptcy ( Case # XXXX ) is inaccurately listed in my credit report. Dismissed bankruptcies provide no debt relief and should not harm a consumer 's credit. 
Failure to Investigate Disputed Accounts : I disputed several accounts on my credit report, but XXXX failed to provide documentation validating these accounts, including : XXXX XXXX XXXX : A collection account. 
XXXX XXXX XXXXXXXX XXXX : Reporting a balance that exceeds the original credit limit. 
XXXX XXXX, XXXX XXXX XXXX, and others. 
Harm Caused : Denied access to credit due to inaccurate reporting. 
Financial losses from higher interest rates on existing accounts. 
Emotional distress and damage to my credit reputation. 
Requested Resolution : Compensation : Actual damages for financial losses : {$10000.00}. 
Statutory damages under FCRA 1681n : {$1000.00} per violation. 
Punitive damages for willful noncompliance. 
Corrections : Immediate removal of the dismissed bankruptcy and unverifiable accounts, all inquiries which I did not authorized. 
A detailed explanation of the source of inaccurate information. 
Proof of Compliance : Documentation showing how XXXX will ensure compliance with the FCRA moving forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past year, I have been trying to get documented verification on the account associated with my name from XXXX XXXX XXXX. On XX/XX/2021, I had reached out to the XXXX major credit bureaus for assistance in verification. Even after providing proof, Experian advised that they would not be investigating this account because the company has verified the account to be accurate without any documented proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of the breach and also been a victim of identity theft before the breach. I need these hard inquiries removed because I have no knowledge of them. I didn't inquire for accounts with them. I would like for these to be removed from my reports. I have sent certified letters and the response I received back was "These item are factual record of file access."  My rightschedule are being not being acknowledged and I am after multiple attempts to remedy this asking for your assistance to have these agencies perform their duty to protect my credit worthiness and reputation. EQUIFAXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXXXXXX/XXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXX Balance : {$18000.00} XXXX XXXX Balance : {$22000.00} XXXX XXXX Balance : {$870.00} XXXX XXXX  XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX Balance : {$0.00}