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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block 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, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I XXXX XXXX desire to have a full accounting of a vehicle repossession from XXXX, including my balance before the repossession, and the price in which the vehicle was sold again at. Upon that time, I desire to work out a reasonable settlement with XXXX XXXX XXXX. Please respond by email through the Consumer Financial Protection Bureau at XXXXXXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is 2 debts being reported to all 3 credit bureaus from XXXX XXXX. I have disputed these charges. There are 3 accounts and I only had one account with XXXX XXXX, which was paid on time and paid off in full. The other 2 says charge-off, delinquent. I have disputed these charges. This was fraud/identity theft. I contacted XXXX XXXX about this and they refuse to show me where I signed for these other 2 loans. It keeps being on my credit report as being accurate. The amount showing is {$750.00} past due as if XXXX XXXX. I contacted XXXX   XXXX again and spoke to XXXX on XX/XX/2020 and she informed me that if I pay {$200.00} that XXXX XXXX would remove this debt from credit, although this is not my debt, so I sent XXXX XXXX a check for {$200.00}. I informed the credit bureaus of this and sent the credit bureaus the letter, and the cleared check for {$200.00} that I sent XXXX XXXX. It still remains on my credit report.
Product: Student loan

I am out of the US and need my IRS XXXX tax form. My loan with Loan to Learn was paid off in XXXX XXXX and this tax form is the last thing I need from them. I called and spoke with XXXX reps and a supervisor and was informed that their company does not have the appropriate security measures in place to send me the form electronically or even by fax. Also due to the cost they are not able to mail me the form in XXXX. I was given the information verbally which is useless being that my taxes are being prepared by a 3rd party, again because I am not in the US, or I could send an email with a letter stating I approve my SSN to be mailed along with a pre-paid shipping label. This is 100 % not acceptable for any company operating in XXXX. It is putting unnecessary burden on the customer. I fail to see how they can justify USPS as the only secure means to send tax information.
Product: Credit card

My ex-wife made me an authorized user on her credit card accounts without my knowledge. Once our divorce was finalized, she agreed to the conditions that the judge approved. She was directed to remove me from her accounts and to not put me down as a authorized user again and to not apply for anymore credit cards in my name.
Product: Debt collection

Some one acquired my information and open an account with bank of america. used the card for years made payemtns and ran up the balance past the actual credit limit
Product: Credit reporting or other personal consumer reports

I'm really disappointed because i can't believe that companies can just put accounts on my credit report that do not belong to me. I am really overwhelmed because these account are not mine. I have a busy life and I really haven't had the chance to view my credit report like should but when I am getting declined for credit because someone else 's accounts are reporting on my credit report. Not to mention, I have asked these company 's for over a year to send my proof that the accounts that they are reporting belongs to me and I still haven't receive this evidence. I am reaching out to you so that you can assist me. These company 's are taking advantage of people like me. I have asked for proof and nothing has been done. How can these companies not respond to my request and this be legal. I would like these accounts removed from my credit asap. 

Accounts that are not mine : XXXX XXXX XXXX XXXX XXXX XXXX Services Inquiries : XXXX XXXX, XXXX XXXX XXXX, XXXX Incorrect Address Information : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2018, I received an American Express BlueBird prepaid card in the mail. I did not apply or in anyway want this card. They had some of my information with this attempted account. I called customer service and they were less than helpful with their service and the Account Protection people  were worse. I had to repeatedly explain over and over that i did not apply for this card nor would I want a card like this. They said that the account was cancelled or closed but refused to provide me with any confirmation via mail that it was closed and resolved. I talked to a " XXXX '' and his supervisor " XXXX '' from the " account protection '' department. It sure seems really fishy to me. They wanted me to confirm via an email they sent before they would send me an email as well rather than a letter. I refused to click or give anymore information than they had already. I would like them to send me a confirmation letter that this was taken care of. This is ridiculous and if this is any indication of how American Express works I would not want to do any business with them.
Product: Credit reporting or other personal consumer reports

INFORMATION IS INACCURATE ON Y CREDIT REPORT I WOULD LIKE FOR THIS TO BE UPDATED.
Product: Credit reporting or other personal consumer reports

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

On XX/XX/XXXX, I submitted a formal dispute to Experian regarding two inaccurate accounts on my credit report : XXXX XXXX XXXX XXXXXXXX XXXX  In my dispute, I requested a reasonable investigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and specifically asked Experian to : Provide detailed verification of these accounts. 
Disclose how the investigation was conducted and what records were used. 
Provide documentation from the furnishers proving that these accounts were valid. 
Experian 's Failure to Properly Investigate On XX/XX/XXXX, after not receiving a proper response, I submitted a second request for reinvestigation, reiterating my request for detailed verification and supporting documentation. Despite this, Experian failed to provide any new information or evidence. 

On XX/XX/XXXX, Experian responded stating that the accounts were verified and updated, but once again failed to provide any actual evidence or documentation to support their verification. Their response did not : Explain what steps were taken to verify the accounts. 
Provide any records, signed agreements, or supporting documentation from the furnishers. 
Answer my specific questions regarding the investigation process. 
Under the FCRA, Experian is required to conduct a reasonable investigation and provide supporting documentation upon request. However, Experian has failed twice to comply with these legal requirements and has instead provided a vague response that does not constitute a valid investigation.
Product: Credit reporting or other personal consumer reports

FOR XXXX XXXX XXXX and Equifax has improper information. XXXX has removed this account from my credit report for inaccurate reporting.

It states i owe nothing for this loan and yet it is still reporting as late??? not possible if i do not owe anythin
g.

it also shows XXXX states its closed while still adding late payments and Equifax shows transferred while still reporting.

I OWE {$0.00} ITS REPORTING IM LATE WITH XXXX AND THATS IM OKAY WITH EQUIFAX
Product: Debt collection

I get 5-7 calls a day and they start anywhere from XXXX to XXXX all the way to last call being a little after or before XXXX. This is getting out of hand and I ca n't take it anymore. The harrasment is insane. They have said everything to me. That I need to pay " or else ''. I need to pay because " I need to understand what it is ''. I do not know who hires these people but they are so rude and keep threatnening me verbally. Now, they are calling with a BLOCKED NUMBER! So I do not know who it is that is calling me. Getting completely out of hand so I am reaching to know what to do.
Product: Credit reporting or other personal consumer reports

These inquiries were unauthorized and i am a victim of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Experian, XXXX XXXX XXXX, XXXX, TX XXXX. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX To whom this may concern. 

I recently received a copy of my Experian XXXX and XXXX credit report and I noticed some late payments posted on my credit report. 

Account Name : XXXX BANK ACCOUNT NUMBER : XXXX Your company is in clear violation of the law XXXX XXXX. XXXX, XXXX purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ), anyconsumer reporting agencymay furnish XXXX XXXX the following circumstances and no other : ( XXXX ) In accordance with the written instructions of XXXX whom it relates. 

Did I give you written instructions to report this on my credit report? 

Furthermore, the FAIR CREDIT REPORTING ACT 15 U.S.C 1581a ( 2 ) ( A ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between XXXX thepersonmaking the report ; Delete the above account from my credit report. This agency is in violation of 15 U.S.C 1681a.

Failure to response I would take legal actions under 15 U.S.C 1681n Seeking a {$1000.00} for each Violation.
Product: Debt collection

I discovered on XX/XX/year>, that a collection account has been reported on my credit file that does not belong to me. The account, listed under the name CAINE & WEINER with account number XXXX, is not mine and is the result of identity theft. The amount associated with this account is unknown to me, as I have never had any dealings with this company or authorized the creation of this debt. 

Immediately after discovering this issue, I disputed the account with the credit reporting agencies and initiated the process to resolve the identity theft. I have filed an identity theft report with the FTC and placed a fraud alert on my credit file. However, despite these actions, the collection account remains active and continues to harm my credit score. 

I have no knowledge of this debt, and I request that this collection account be removed as it is illegitimate and does not reflect any valid debt associated with me.
Product: Credit reporting or other personal consumer reports

I sent multiple dispute letters to your company, but I am still seeing the same inaccurate information on my credit report. According to the Fair Credit Reporting Act, all information on my credit report must be 100 % accurate. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), these accounts are in violation for not reporting 100 % accurate information.

I am attaching copies of all the letters I previously sent.
Product: Mortgage

I have been unfairly treated, ignored and repeatedly brushed off by Cash Call in violation of basic principle of fairness and common sense. This seems to violate Fair Credit Reporting ( FCRA ) and be a perfect example of Unfair, Deceptive And Abusive Practices ( UDAAP ). 
In XX/XX/XXXX I was solicited by and refinanced my house with Cash Call. I did so. 
In XX/XX/XXXX I received a further solicitation from someone at or posing to be at Cash Call to pay my monthly mortgage payment on a by-weekly basis in order to save interest and pay off the loan early. I did so. 
In XX/XX/XXXX I paid 1/2 of my mortgage payment 2 WEEKS EARLY and then paid the balance ON TIME WHEN the full payment was due. In total, I paid the entire balance ON TIME. 
A couple of weeks later I received a late notice on my mortgage payment. It turned out that Cash Call rejected both my early and on time payment since they do not take partial payments. I called them several times to work this out, was ignored, was prohibited from getting an address to send a complaint, was told there was no complaint resolution process, was not allow to escalate my concerns to any level - not even a supervisor, etc. They ultimately refunded both of my bi-weekly payments and reported me as being 30 days late before I could even figure all this out. The mortgage was fully paid off in XX/XX/XXXX and now I can not even find people who have record of any of this. 
Today I called Cash Call again to try one more time to talk to anyone that could help me and was completely stone walled! When I called the number given on the credit report XXXX referred me to her supervisor ( another XXXX? ) who referred me to the mortgage group where XXXX referred me to the Cash Call receptionist, who referred me to a recorded message that got me back to the exact place where I started originally. This has happened to me several times at every lever I have ever reached. I was told THERE WAS NO COMPLAINT RESOLUTION PROCESS. I am a XXXX of at least normal understanding but find it impossible to work my way through the Cash Call system and find a human being at any level that can address my complain. 
I am available to help you resolve this for me and will gladly file a complaint or otherwise assist the government in getting this resolved. Please help me. 
I respectfully request that Cash Call rescind my 30 day delinquent status that shows up for XX/XX/XXXX on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

the mtg loan, shows many delinquencies which are inaccurate i have received a letter from XXXX stating that the specific dates were on time and need to be corrected. 
please find attached letter from XXXX, but the bureaus have only updated a few of those delinquencies not all. 
i have XXXX sons who are in military and serving this amazing country, and people. but when it comes to getting a helping hand from people and organizations for which my sons are serving for, i get nothing. i need help to refinance my house so wont loose the only thing that i want to keep for my XXXX sons. if i am not able to refinance i will be losing this house and all the memories with it. 
please help me to have these negative marks removed from my credit report. 
thank you for your time
Product: Debt collection

Dear CFPB, I am writing to formally report violations of my consumer rights by [ Jefferson Capital Systems ]. They have placed a collection account on my consumer credit report that contains inaccurate information. Furthermore, they have failed to provide me with validation information as required under 12 CFR 1006.34 ( b ) ( 5 ).

Due to these violations, I believe I am entitled to {$1000.00} for each instance of inaccuracy. I request that they either compensate me for these violations or delete the inaccurate accounts from my credit report as soon as possible. 

This matter is very serious to me, and I appreciate your prompt attention to this issue. 

Thank you for your assistance.
Product: Vehicle loan or lease

Commute to work has been a continuous struggle without any ventilation. Despite my requests, the company refused to accept the return of the car. I no longer desired this vehicle as it did not match my initial purchase expectations. For the past XXXX years, this car has functioned without proper air conditioning. Moreover, the car 's system frequently malfunctions while driving, causing unexpected stops in traffic. The information provided about the vehicle was deceitful and manipulative. I never agreed to pay for a car under these circumstances, and I find this manipulation highly unjust. The promise was that I would receive an operational and safe car for my family, which clearly hasn't been fulfilled. It's unfair that my family now bears this financial burden without a reliable vehicle, especially considering the needs of my XXXX child. I refuse to make payments for a car that is inoperable, as it was not part of our agreement. Despite my request, I haven't received the original contract, and the contract you attempted to provide is fraudulent and not signed by me. The Truth in Lending Act ( XXXX ), which is a federal law, mandates that lenders disclose specific information to borrowers regarding the terms and costs of the loan. This includes providing a written contract or agreement that clearly outlines the terms of the loan, such as interest rates, payment schedules, and any applicable fees. Sending a fraudulent contract is against the law. I insist on receiving the original contract before any further communication or payments. I will not make any additional payments for a car that can not be operated. XXXX years ago, returning the car was not allowed due to the representations made by your staff and the dealership, claiming no returns were possible. You manipulated me, and now you expect payment for a non-functional vehicle. The contract itself was founded on falsehoods, which is why you are withholding this information from me.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Equifax, and 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 personal loan account with XXXX XXXX XXXX XXXX for {$8400.00} and inquiries with XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, and XXXX XXXX. The aforementioned account 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 collection account are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

n 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. 

DEPTEDXXXX XXXXXXXX XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I was scammed via XXXX payments and i called my bank ( Chase ) on XX/XX/23 to see what i can do. i was scammed out of {$1000.00}. They did not assist me with getting funds back, only filled out a scam report.
Product: Mortgage

Notified Citizens bank not to pay taxes and insurance from escrow since these invoices were not correct. Bank paid anyway causing temporary, false escrow shortages. Bank subsequently increased monthly escrow amount based on overinflated values. 

Customer then paid over {$800.00} to opt out of escrow. Bank issued a letter stating that the escrow account was closed per request of customer. Thinking the matter was resolved and within a few short weeks, same bank sent a demand letter for escrow funds to place in escrow so they could hold the customers money, to pay insurance in the upcoming year. 

Bank told customer in latest letter that the monthly payment will increase to cover this so called escrow. Ordeal has been ongoing for four months, and meanwhile the customer is hit with monthly escrow payments again, after the customer paid to waive the escrow option.
Product: Checking or savings account

The company cash app closed my account for no reason and I was charged multiple un authorized transactions and I would report and file a dispute and they wouldnt fix anything and there was never a live agent during the times of the transactions which lead to me not being able to report with a live agent to get the problem fixed XXXX XXXX  Cash app
Product: Debt collection

For two months, repeated attempt to collect a debt that is not mine or does not exist. Said they have my address to a house I have not lived at for at least 10 years. Have asked them to remove the number but the calls come in again. The following are all the numbers that have called me from this company ( that I know of ) : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Said the company name is Radius Global Solutions, formerly XXXX  XXXX XXXX