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

I am XXXX XXXX, last four social - XXXX XXXX. I am a victim if XXXX XXXXXXXX and identity theft. XXXX, XXXX had a breach where my social was obtained. Someone fraudently filed taxes in my name. I never had to file taxes because I am a Veteran with a 100 % service connected XXXX and I recieve compensation. I never applied to these companies or their creditors. 

I also have a fraud account with XXXX XXXX. I did not apply for this. Please help me in investigating these fradgenlent actions against my credit report. 

XXXX is a collector for XXXX  XX/XX/XXXX for XXXX dollars. TRANSUNION XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX dollars. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my sixth attempt to notify the Credit Bureaus that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. My information has been exposed in the Equifax data breach. The following accounts, inaccurate name and addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the identity theft. Please remove the following accounts completely from my Credit File XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} CHILDSUPPORT XXXX Balance : {$260.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

It's been a while since I submitted a disputed. However, the student loans were duplicated on my XXXX and XXXX   credit reports. I have tried to remove the duplications in the past, but it's still there. I have a total of 4 XXXX XXXX accounts on my report ( there should have only been 2 ). One loan was paid on XX/XX/XXXX and should be completely removed from all credit bureaus ( over 7 years old ). The other was paid on XX/XX/XXXX which is also duplicated. Currently, I should only be one Sally Mae account which should drop off in XX/XX/XXXX. Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are old credit card accounts that are over seven years old and need to be DELETED from my credit files from all three credit bureaus ASAP because the accounts no longer belong to me per the open dates and time frames. This is against the law to keep damaging reports on a file for over seven years. Please DELETE all six listed below. 

1. ) XXXX XXXX, acct no. ending in XXXX, the date opened, XX/XX/XXXX 2. ) XXXX XXXX, acct no. ending in XXXX, the date opened, XX/XX/XXXX 3. ) XXXX XXXX acct no. ending in XXXX, the date opened, XX/XX/XXXX 4. ) XXXX XXXX, acct no. ending in XXXX, the date opened, XX/XX/XXXX XXXX. ) XXXX XXXXXXXX XXXX XXXX  XXXX, acct no. ending in XXXX, the date opened, XX/XX/XXXX XXXX. ) XXXX XXXXXXXX XXXX XXXXXXXX, acct no. ending in XXXX, the date opened, XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid credit repair agencies for years and have contacted experian XXXX  and XXXX  myself and always an auto-generated letter is sent back without ever validating that this is not mine. I have sent police report and letters and so much different verifying documents and all that is returned is that it was not food enough information. Multiple accounts are not mine multiple inquiries are not mine, myself and my family have had to suffer in so many different ways because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is one account on my credit report that is not mine I have reached out to the bureaus by mail and phone calls regarding this it should not be on my credit report because I have not opened this account. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Amount : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/20 Email received indicating credit limit on credit card reduced in half without any indication why, or forewarning. Called CSR confirmed but told to call after holiday for more info. 
XX/XX/20 Spoke with XXXX. She said could affect my credit rating-call # on card. 
Spoke w/ XXXX XXXX CSR ) -Told letter had been sent. Sorry I did not receive, but Chase decided anyone not using card enough would have credit limit slashed in half. Would not affect credit. No mention of 30 day option to stop action. 
Spoke w/ XXXX XXXX ( supervisor ) Told letter sent had ability to stop credit reduction if responded to within 30 days. Told could affect my credit EVEN IF I STAYED WITHIN THE SAME RATIO OF CREDIT USED AS A PORTION OF TOTAL CREDIT AVAILABLE. I asked considering never received letter and they email me all the time whether they could reverse the reduction. XXXX said no and I requested to speak to his superior. After a long time on hold he told me a colleague not superior could get back to me in five business days. 
I have had excellent credit ( 800 plus ) w/ no infractions my whole life. I am furious that this could affect my credit rating as a result of nothing I did to cause it. I am very frustrated with Chase for putting me in this position.
Product: Mortgage

I applied for modification with my lender with the understanding that I am working with XXXX. I got denied because of my income according to them. I wanted to further work on it but it was too late for me to do so because my eligibility with XXXX was over. I applied again letting them know about my eligibility with XXXX. All the while they said it is notated in my account. I got approved although my income was still the same with {$49.00} less than what I was paying when I got behind. According to US Bank my approval has nothing to do with XXXX. 

I have been in contact with XXXX about the situation. They have been sending messages to US Bank to send them the documents they need to move forward with my eligibility. I have been contacting my lender as well but it looks like the right hand is not talking to the left hand and most of them do not know about XXXX and what I 'm talking about. Some who know would transfer me to default resolution dept. and I left her messages but nothing has happened and would not return my call either. I need to respond to US Bank about my modification and pay my first trial payment on the XXXX of XXXX which I can not afford. My eligibility with XXXX is expiring in XXXX XXXX also. It 's been more than 2 weeks but nobody is able to help me from US Bank about the documents that XXXX needs. I call them everyday talking to different people with different statement about this matter. If they can only evaluate my modification with the help of XXXX and still ca n't afford the payment then I will quit asking for help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX MULTIPLE CONTACTS WITH LENDER AND CONTINUE TO RECEIVE RUN AROUND AND BEING TOLD TO CONTACT CREDIT BUREAU FOR REMOVAL OF LATE PAYMENTS
Product: Credit reporting or other personal consumer reports

XXXX  XXXX Bankruptcy Case Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX added a derogatory mark on my credit report per Equifax. Upon further research, this account was transferred/sold and I am no longer responsible for the account. debtor creditor did not verify this collection also there was no written forms of communication, contract or signature fornthis accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mine. according to the FCRA XXXX XXXX Bankruptcy Case Number : XXXX, XXXX Account Number : XXXX, XXXX  Account Number : XXXX has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion multiple times and they continue to blatantly disregard my rights as a consumer by law. On XX/XX/XXXX, I mailed a dispute to Transunion in regards to an account listed on my credit report as XXXX XXXX XXXX with an account number of # XXXX. I have no knowledge of this account and I have requested MULTIPLE times from Transunion, to please send me documentation confirming that the account they are reporting under my social security number is accurate and belongs to me, however all I continue to receive are " Updated '' and " We verified this item belongs to you '' automated letters, and I am highly frustrated with this illegal reporting. I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey. I have been disputing this account for many months. I have also disputed this account due to inaccuracies that I have noticed with Transunion and another bureau that this account is being reported to. Again, I have not received any verification of this account, and in addition to that, XXXX was reporting an open date of XX/XX/XXXX however Transunion was reporting an open date of XX/XX/XXXX. As you know, this is not allowed under my rights and also a clear indication that this information was NOT properly verified upon you receiving it. If this is the same account, how is the supposed verified information listed on my credit profiles different from one another? This is not possible and because of this inconsistency, please delete the following account from my credit profile immediately as I have REQUESTED MULTIPLE TIMES. I asked that this account be DELETED, not " updated '' or " verified. '' This is a blatant disregard of my rights as a consumer and this is my last step before contacting the XXXX XXXX XXXX, Federal Trade Commission, and my Attorney General. I sent a follow up dispute letter last month inXX/XX/XXXX and received the same response.
Product: Bank account or service

Usaa was contacted today via phone in regards to continued inaccurate reporting of data on my credit report with all XXXX credit bureaus. I was given the run around by the representing with no resolve. I was told there is no one or department that handles discrepancy in reporting credit. I would like the closed account that they are reporting with an increasing past due amount every month to show correct balance, which was the balance owing when closed and charged off over XXXX years ago in XX/XX/2011! This violation of my rights under the FCRA needs to cease.
Product: Credit card or prepaid card

I have filed 11 weeks of pandemic unemployment assistance and was sent a Virginia way2go card and have not received one payment. I confirmed that it is the correct payment option on my gov2go account. Help?
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$4300.00} ; XXXX XXXX XXXX XXXX Balance : {$300.00} ; XXXX XXXX XXXX XXXX Balance : {$870.00} ; XXXX XXXX Balance : {$530.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$830.00} ; XXXX. XXXX, XXXX ( Original Creditor : XXXX  ) Balance : {$1500.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX  ) XXXX Balance : {$970.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$88.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/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. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

On XX/XX/XXXX at XXXX XXXX. I received a phone call from Midland Credit regarding an old debt from XXXX. I explained to the representative that I had recently lost my job due to the impact of COVID-19 and was unable to pay anything today, but would like a letter sent to my mailing address and I can look into the debt at that time. The representative became aggravated that I was unable to complete any sort of arrangement or payment today and began threatening me that they will take me to court and I could have my property seized, my checks garnished, and my bank account taken if I did not set something up. I actually believe that this debt may be beyond the statue of limitations, or very close to it since it was from so long ago. I asked the representative to give me the last day that I  made a payment and he stated XXXX, but I dont remember making any sort of payment at that time. I asked to speak with a manager, he stated that his manager was on another call and unable to speak with me. He continued asking what he said that made me upset, and I repeatedly told him that I no longer want to speak with him and would like to speak with a manager instead. After telling me that any manager was not available, he declined to have a manager give me a call back and proceeded to tell me that he is putting in a recommendation to have me taken me court for not making any sort of payment or arrangement with him and ended the phone call.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX  Account Number : XXXX Delete this account.
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 I looked at my Experian 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 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) 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.
Product: Credit reporting or other personal consumer reports

I was doing an investigation of my credit and what I found really scared me. It has been effecting my health ever since, because I do rely on my credit to assist in my life, and my rates are now through the roof because of the many errors in the reporting of my account and inquiries. This is having a very bad impact on my physical and mental health, because of this I am worried about getting food and even my medications.
Product: Debt collection

My auto insurance was cancelled on XX/XX/2020. On XXXX XXXX 2020 I was told I owed around {$1300.00} in order to keep the policy. A bill I received as of XXXX XXXX 2020 from XXXX XXXX stated I owed $ XXXX {$600.00} more than I believe I should owe. I contacted XXXX XXXX and was sent a statement of transaction history- that made no sense. When I tried to get details - I was given the same information n and no details. I received a collection notice from Credit Collection Services on XX/XX/XXXX and I immediately sent a letter disputing the amount and demanding additional details on how XXXX XXXX came up with the amount of {$1900.00}. By all my calculations I should only owe around {$1300.00}. On XX/XX/XXXX I received a letter from XXXX with the SAME statement attached and no details. On XX/XX/XXXX I received another letter from XXXX saying they were pursuing the amount of {$1900.00} and would be reporting it to the credit agencies if I did not pay. I sent a letter with all documentation ( Also attached to this request ) again requesting DETAILED and understandable language of how the amount of {$1900.00} came about. If I only owed {$1300.00} on XXXX XXXX 2020, the policy was cancelled on XX/XX/XXXX 2020- why did I get a bill for {$1900.00}? Also, if I divide the amount of the initial policy by the months insured and then subtract out the payments made- the amount comes out even less than {$1300.00}. By my recollection, I only made two changes to my policy from XXXX thru XXXX I added a vehicle for only TWO days ( because I changed my mind and did not purchase the vehicle ) I believe I then added a vehicle owned in our household- that is paid in full- and there is no way this addition for two months would cause an increase of more than a couple hundred dollars for the time I had it insured.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I attempted to buy tickets from somebody through the XXXX XXXX XXXX  service that XXXX XXXX  offers. I split the purchase into two separate payments so that I would receive my purchased tickets before paying the full amount. After receiving what looked to be legitimate tickets, I sent the remaining amount. After trying to contact the sender regarding an incorrect date placed on the tickets after further review, I received no response and had my number subsequently blocked from calling him. 

I immediately tried to contact XXXX to cancel the payment. They told me that I needed to call XXXX as they can not help me. I then called XXXX XXXX and was told that I would need to start a claim. I started the claim on XX/XX/XXXX and was told that I would receive a response in 3-5 days. After receiving a letter in the mail on XX/XX/XXXX claiming that XXXX identified the transaction as valid and could not refund me any money, I attempted to investigate further and call their claim department. I was told that there was nothing they could do since the transaction was initiated by me. They said I could try to contact XXXX for further assistance, which I subsequently did. XXXX once again told me there is nothing they can do and that I have to settle this with XXXX. After calling the XXXX XXXX   claims department, I asked to speak to someone about my claim who could give me further information about the investigation conducted. I was told that their investigation process involves trying to contact the receiving bank which they were not able to do successfully and thus can not refund me any money, even though this was a criminal act. 

I will be filing a police report since XXXX XXXX  is unable to assist their customer with his scammed money.