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

In XX/XX/XXXX I applied for credit and was denied. I then pulled my credit reports and found several accounts between XXXX and XXXX that were not mine. The first thing I did was file an FTC report and a police report. I contacted each credit bureau via their online dispute centers and disputed the identity theft items with my police report and FTC report. 

Transunion sent me an affidavit to fill out and have notorized, which I did withint 3 days of receiving it. However, Transunion verified the information as accurate before they received my notarized affidavit. When I check on my dispute with Transunion they show no record of it. I filed another dispute with my police report, identity theft report, and notarized identity theft affidavit. 

XXXX 's portall did not let me upload documents so I sent them via certified mail on XX/XX/XXXX and XX/XX/XXXX. At this time XXXX has verified the items as accurate despite my police report, FTC report, and affidavit. 

XXXX did not let me submit an online dispute and seemed to be having technical issues. I sent my dispute, police report, and FTC report via certified mail on XX/XX/XXXX and sent my notarized affidavit on XX/XX/XXXX. 

I have also contacted each creditor with the same documents but the remaining 5 accounts refuse to remove the fraudulent accounts. Two state a payment was made to open the account but my bank account was also compromised at that time. The accounts remaing on my credit reports are : 1. XXXX XXXX  - Account also reported by XXXX XXXX XXXX 2. XXXX XXXX  - Also reported by XXXX XXXX 3. XXXX XXXX XXXX  - 4. The XXXX XXXX XXXX - Also reported by XXXX XXXX  and XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX Also reported by XXXX XXXX and XXXX XXXX I have a current account with XXXX XXXX opened in XXXX The identity theft occured while I had a family member living with me. This family member has been removed from my home. After he was removed I was forced to close my XXXX XXXX member account and open a new one because someone had access to my online account and transfered several thousand dollars to a person that I don't know. The person returned the money through his bank after realizing it was sent to him fraudulently by someone pretending to offer him a job. All identity theft accounts opened were likely linked to that account.
Product: Debt collection

First and most importantly, NCAC never provided me notice of my rights to dispute the debt if I believed I did not owe it, that I could dispute the debt within 30 days of receiving their notice, etc. I have support to prove this. All that was listed was more and more ways to pay them. 

on XX/XX/2023 I was contacted by National Credit Audit Corp regarding rental debt in the amount of {$1900.00}. The charges alleged were primarily from electricity usage which I was not given proper support that I owed the debt, nor bills, meter number. This is not in adherence to Texas XXXX XXXX which regulates how these charges must be billed and what needs to be provided to tenants. They were also charges for lease contract specific items and I requested a copy of the contract to review but it was never provided. They did agree to remove a charge which was made in error, further proving they negligence in properly billing. Just because you put someones name on paper and add charges doesnt make them legitimate. They never provided any support.
Product: Credit card or prepaid card

In XX/XX/2017 I was made aware of an account opened fraudulently in my name at Chase Bank. I contacted my local sheriff 's office, all credit bureaus, my banks, and my brokerages. Since then, I've discovered multiple accounts created in my name, and have communicated with Chase bank several times during that time. Chase has notified me that certain accounts were closed, that they have contacted the credit bureaus, and that I am not responsible. However, I still get letters, emails and bills from them with different account numbers. I have submitted a complaint to the Florida Attorney General 's Office.
Product: Credit reporting or other personal consumer reports

Upon looking at my consumer report, I've come to the realization that my consumer rights have been breached. Referring to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ), it's explicitly stated that " the term consumer report does not include any report containing information solely as to transactions or experience between the consumer and the person making the report. '' Late payments constitute transactions, and utilization reflects the experience derived from credit usage. However, XXXX, XXXX, Equifax is indicating late payments on multiple accounts listed below XXXX ACCOUNT # XXXXXXXX XXXX ACCOUNT # XXXXXXXX XXXX  ACCOUNT # XXXX XXXX BANK ACCOUNT # XXXX and/or utilization, which are experiences created by credit usage. According to 15 USC 1681b ( a ) ( 2 ), " any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. '' I never provided XXXX, XXXX, Equifax with written instructions to include anything in my consumer report, let alone these late payments/utilization. Furthermore, as per 15 USC 1681 602 Congressional findings and statement of purpose, it's stated that " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. '' It also emphasizes that the banking system relies on fair and accurate credit reporting. Inaccurate credit reports directly impede the efficiency of the banking system, and unfair credit reporting methods undermine public confidence, which is essential for the continued functioning of the banking system. The reporting of these late payments is inaccurate, and my privacy has been violated due to XXXX 's, XXXX 's, Equifax 's infringement upon my consumer rights by allowing these late payments/utilization to be reported on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email from XXXX XXXX  stating that I opened a new account. I went into my XXXX XXXX account and noticed that Phoenix Financial Services had placed a collection action in my files for an emergency room visit. I called them and they stated that I did not pay a bill I accrued at an emergency room in XXXX XXXX Texas some time in XX/XX/XXXX. I told them I have lived continuously in Utah since XXXX and have never lived in XXXX XXXX, TX, which can be confirmed simply by going in my files. They were rude and refused to even take it off and basically threatened to keep it on there until I paid it off. I told them to ( _ -- -- off ) and go ahead and keep it on so I can sue them for violating the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to removed some of the information in my file that resulted from alleged identity theft but I have an Accounts left that need to be removed. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX Balance Owed : {$4900.00XXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$360.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$2900.00} ; XXXX XXXX XXXX Balance Owed : {$540.00}
Product: Debt collection

My information has been impacted and compromised by the current XXXX  an XXXX data breaches. I believe that my information may have got into the wrong hands and again compromised. I have contacted all credit bureaus and been trying to rectify this.

According to the Fair Credit Reporting Act 15 us code 1692c/g it is my right to have fair and accurate credit report. This information is very damaging to my report. Please investigate and delete the below accounts listed on my credit reports. Listed below. 

XX/XX/scrub>XXXX XXXX XXXX ( closed account ) XXXX balance owed XX/XX/scrub>XXXX XXXXXXXX outstanding XXXX balance owed XX/XX/year> XXXX XXXX XXXX balance owed XX/XX/year>XXXX  XXXX XXXX XXXX chargeoff XXXX balance owned XX/XX/year>XXXX  XXXX XXXX XXXX Collections/chargeoff Paid/ XXXX balance owed
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have two credit cards with capital one, I'm monitoring my credit reports and noticed that capital one is failing to report one of my credit cards to XXXX. Capital one is reporting both cards to XXXX and XXXX, but my XXXX  report is suffering due to the lack of credit history associated with that other credit card. I tried resolving this with them directly to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX at XXXX XXXX est a payment in the amount of {XXXX} was made to XXXX XXXX and I was hit with a 30 day late payment on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. 

XXXX/XXXX  XXXX {$910.00} XXXX  XXXX {$1000.00} XXXX XXXX XXXX {$98.00} XXXX  XXXX  XXXX {$450.00} XXXX   XXXX XXXX {$1200.00} XXXX  XXXX  XXXX {$560.00} XXXX   XXXX XXXX  XXXX {$1400.00} XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX XXXX {$77.00} XXXX  XXXX {$10000.00} XXXX  XXXX {$1200.00} XXXX  XXXX  XXXX {$550.00} XXXX XXXX XXXX XXXX XXXX {$14000.00} XXXX XXXX  XXXX {$180.00} XXXX XXXX XXXX XXXX XXXX {$16000.00} XXXX XXXX  XXXX {$2100.00} XXXX  XXXX {$3500.00} XXXX/XXXX XXXX {$1400.00} XXXX XXXX XXXX {$180.00} XXXX  XXXX {$600.00} XXXX   XXXX XXXX {$1500.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section 602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as XXXX, Transunion and XXXX operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Credit bureau will not delete XXXX account as they do not know who bought account it shows sold to another lender. This consumer sent a certified letter to all bureaus invoking my rights and the dispute shows nothing changed, debt collector unknown. If this cant be verified it must be deleted.
Product: Mortgage

I refinanced my mortgage through Caliber Home Loans. I worked with XXXX XXXX ( NMLS : XXXX ) to start the process and gather all documentation. I received disclosure documents a week prior to closing which indicated that I would be getting approximately {$2500.00} back at closing. On the day of the closing, I received an email with an updated loan disclosure, which included 50+ pages. I did not have time to review before closing, so I emailed and called XXXX to get a summary of changes. He never got back to me. After the closing, I attempted to contact XXXX ( or anyone else at the company ), but I did not receive a call from anyone. The last minute change reduced my cash back to {$2000.00} and I received no explanation why that happened. 

Additionally, my wife received a piece of mail 5 days after closing that was supposed to have been received 3 days prior to closing. The document is dated one day after the closing. 

XXXX was extremely responsive prior to closing, but went completely missing the morning of the closing. I feel wronged by this inaction and lack of communication and believe that he should be reprimanded for this.
Product: Money transfer, virtual currency, or money service

Cash App failed to take timely and effective measures to prevent address fraud on their platform, leaving my account vulnerable and unprotected : Furthermore, their dispute resolution was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. And as of now I screenshot it some of the disputes but as I Go up on the dispute chart and don't let me go up no further than XXXX and I know I've been having problems with cash app since XXXX I done had a dispute that somebody stole my phone and took money off my cash app and I told them and they never got back to me they never said nothing and that is unfair and it was almost XXXX $ in XXXX then not only that I got few other one that didn't get taken care of an that not right I have things I need to do n cash app ( block inc ) needs to be held accountable
Product: Debt collection

American Express keeps me calling me to collect a debt which I can not pay at this time due to being unemployed. I have informed them of this repeatedly but they continue to call nearly every day. The people calling are very rude and harass me in order to collect their debt. I explained that I can send partial payments but they tell me that I must send at least the minimum.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my reports, incorrect information are being reported to my personal credit file. The Equifax and XXXX Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following remaining inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
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  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i have sent several letters over several months that all 3 credit bureaus have been reporting incorrect information. in addition, i have asked them all for supporting documentation that asks how these accounts were verified and whom they spoke with. i also have asked them to show supporting documentation that proves that i have a binding agreement with these account holders and they have failed to do so. i believe that they do not want to delete these accounts because they will lose money.
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 XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Debt collection

A company by the name of Absolute Resolutions INV is stating that I owe a collections " debt '' that is unjustly being attributed to me which is extremely disturbing. I believe this is affiliated with a XXXX  office that I went to back in 2016 called XXXX XXXX + XXXX in ( XXXX, Arizona ). The lead XXXX  of this office stated verbally to me that my insurance during my time of employment with a company called XXXX was 100 % in network and accepted meaning there was no out of pocket cost from myself required. When I switched employers I started to receive phone calls saying that I owed a debt which was baffling to me being that my insurance was 100 % accepted which was impossible. At this point evidently I was lied to by the head XXXX  running the office which is very unjust and disturbing to say the least.
Product: Credit card or prepaid card

I got a credit card from Wells Fargo which I never applied for it
Product: Money transfer, virtual currency, or money service

my issue is with zelle. once my money is sent it disappears. and there is no good customer service. sometimes people send me money and i never get it - and zelle does nothing about jt
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously filed a complaint with the CFPB # XXXX. Seems to be a lot of finger pointing going on. First I called and talked to a rep. from my mortgage co. XXXX XXXX XXXX XXXX see if they were in fact reporting my mortgage debt to the credit bureaus. They assured they were reporting monthly to all three. My credit monitoring company, XXXX XXXX, shows Equifax reporting my mortgage debt with XXXX XXXX, but shows no update to the account since XX/XX/2019 and also shows an incorrect amount owed. XXXX  does not show my mortgage debt at all. I suppose it would be easier to correct something on their report if it was actually on their report. Why is it not on their report? The status of that loan is being reported to them monthly. Needless to say I am not satisfied with either their response to my dispute or the complaint filed with CFPB. Neither XXXX  nor Equifax even came close to addressing the problem in their response to my dispute or complaint with the CFPB. They never even mentioned the mortgage debt. I don't even know what XXXX has on their report. XXXX XXXX only provides me with info from XXXX  and Equifax. I have a much lower credit score with Transunion. I assume because they do not show my mortgage. Much higher score with Equifax even though the amount owed is incorrect. This adversely impacts my credit score and I would like to get it corrected. The mortgage co. points the finger at the credit bureaus. Credit monitor Co. points the finger at the credit bureaus. Credit bureaus seem to be ignoring there is a problem at all. Nothing wrong here, must be problem of someone else. Please help to get this resolved. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Apple Card/GS Bank and XXXX XXXX/XXXX. The Account Opened is Apple Card/GS Bank Account Number : XXXX Date Opened : XX/XX/2020 Balance : {$690.00}. The Account Opened is XXXX  XXXX/XXXX  Account Number : XXXX Date Opened : XX/XX/2020 Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Checking or savings account

I am addressing this issue once again, I have tried numerous time to reach out to Capital one agent XXXX at XXXX XXXX. I have not received a response to resolve this. I went to XXXX XXXX XXXX XXXX & Spoke with the XXXX XXXX. We Reviewed the charge in dispute which is on XX/XX/2022. We both agreed that the charge is NOT Valid. XXXX said she will put in a request to Capital one for a reimbursement to my account & that I should reach out to notify Capital one which Ive tried to do.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX : XX/XX/XXXX SSN : XXXX FTC Report Number : XXXX PLEASE SEE ATTACHMENT TransUnion have to remove immediately the credit inquiries that I never recognize on my report that is fraud and they have to remove it ASAP. Does credit inquiries not done by me and I did not apply for none of those creditors so please remove it immediately from my credit report. 

Please remove all those fraudulent hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX