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 on how to remove the fraudulent accounts 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 accounts 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 accounts which do not belong to me or were opened without my permission. 
XXXX XXXX Balance Owed : {$790.00} XXXX XXXX Balance Owed : {$490.00} XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX XXXX Balance Owed : {$5200.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$640.00} XXXX XXXX Balance Owed : {$5600.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX  XXXX Balance Owed : {$5200.00} XXXX XXXX XXXX Balance Owed : {$490.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX  XXXX Balance Owed : {$640.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$7600.00} XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2900.00} 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

This company has been harassing me and calling me daily, non stop. They have even called before XXXX, and refuse to stop. There has been no written notification of debt, so Im confused on why theyre even contacting me. If I dont answer they call from a XXXX number.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a charge on my account on XX/XX/2018 from XXXX   XXXX XXXX XXXX of {$24.00}. The phone number they listed with this charge is XXXX. 
I called my bank to dispute the charges and they told me that I have been charged this amount from this company every month for as far back as a year maybe more. I have never signed up with or given any reason for Experian to charge me. I tried to call the number on the charge and it immediately asked me for my ssn. I felt uncomfortable right off the bat because I did some research on this number and Experian and had come across other people complaining about fraudulent charges mad by a company claiming to be Experian. When they called, they were prompted to give their credit card info and/or ssn. After relaying their information, they were hung on and more charges were made. 
I laughed and hung up the phone. My bank is currently disputing the charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 XXXX, XXXX, Experian all refuse to give online annual free credit report as mandated by law, through the website XXXX XXXX   XXXXXXXX with no options or helpful information to make the online option work. 
Instead they ask for sensitive information to be sent through postal mail.
Product: Credit reporting or other personal consumer reports

Subject : Request for Blocking and Deletion of Accounts Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ) I am writing to notify you that I am a victim of a data breach. As a result, unauthorized accounts have been added to my credit report. I am requesting that these accounts be blocked and deleted in accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). 
Below are the details of the accounts that require action : Accounts to be Blocked and Deleted : XXXX. XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$25000.00} XXXX. XXXX XXXX Account Number : XXXX Date : XX/XX/XXXXXXXX  Amount : {$1500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Bank, NA is reporting alleged debts of {$3500.00} & {$4100.00} ( Acct # XXXX & XXXX ) on my credit reports without any standing & in violation of the FCRA & relevant Texas Debt Collection Act laws. Capital One Bank, NA is also in violation of Title X of the Dodd-Frank Act/Sections XXXX, and related regulations including abusive acts & practices. I have contacted them via XXXX with no response. In addition, I believe that this company has discriminated against me in violation of the Equal Credit Opportunity Act due to the fact that I am a supporter of the XXXX community, engaging in XXXX behavior. Since Capital One Bank, NA has willingly committed these premeditated/malicious acts, I have spoken with local counsel regarding the matter and they have agreed to potentially take the case on contingency pending Capital One Bank , NA response. I am however, willing to waive any litigation regarding this claim & rescind any complaints filed if the other party deletes the trade line from all 3 credit bureaus. Please advise.
Product: Credit reporting or other personal consumer reports

They have had the wrong reporting on my account past seven years, which is against the credit act. I want the correct reporting of my credit score which should be higher and removal of any negative accounts.
Product: Credit reporting 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 Account Name : XXXX XXXX XXXX # XXXX 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: Credit reporting or other personal consumer reports

On XXXX XXXX a collection was added to my report from TransWorlds systems from XXXX  that I cleared with another company I provided proof such as emails of confirmation receipts and I was given little to no information or help. I requested this report to be deleted for about 3 mo the not and yet nothing
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The TransUnion credit bureau must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently check my credit and notice that there are a few fraudulent accounts and inwuires on my credit file. I contacted the credit bureus on XX/XX/ with my concerns regarding these fraudulent accounts and they told me i need to get an FTC report and i did send it via certified mail and i still have not yet receive anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of EquiFax cybersecurity incident., and have tried at least on 40 occasions to sign up for the Trusted ID service they are providing to all the victims. and have not been successful to complete the process. I have gotten as Far as establishing a signing Id and password, but can not complete the sign up process, i have created case number ( XXXX ) which they have closed. I have emailed them and called all the phone numbers they provided. They answer is always the same, The website is down, My computer is not working, Hang up, transfer back to the Q..and so on. Equifax have wasted lot my time by having me wait on line for 10-40 minutes each time to just tell me : callback, or just hang up, put back on the Q or the website is down of all the times I have tried to contact them, i was successful once when I to talked to some one who helped me establish an ID and password for the service. But can not pass that step at all. 
I wish that the FEDS would just shut then down, they should not be in business if they can securely handle consumer 's information I can be contacted by phone ( XXXX ) XXXX, or Email : XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XX/XX/year> These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an unknown social security in my file and a lot of credit inquires for a car loan using this SS # and some of my information. It looks like a Dealer mixed up information and somehow tagged my account with this social security of another person- fraud? 
I have tried repeatedly to correct this and everyone says they can do nothing about it? 
the last XXXX digits are XXXX and who is this?
Product: Debt collection

I was living at a XXXX residents up until 2016 before moving to New York. Before moving to New York I visited the XXXX XXXX XXXX XXXX in person with my roommate to switch the services to his name. 

After living in New York for over a year I get a phone call about a {$440.00} debt from XXXX XXXX XXXX XXXX. They stated that it was a recent bill that hadnt been collected. 

The home which it happened at was tore down and replaced with a new home. Not sure how the bill was $ XXXXpossibly a water leak or something but it was not my responsibility anymore and should not be on my credit report.
Product: Debt collection

I am continuing to receive calls from this company ( as recently as XX/XX/2018 at XXXX/XXXX XXXX  ). My bankruptcy discharge has already been gone through. I'm continuing to have calls ever since a " XXXX '' called XX/XX/2018 at XXXX.
Product: Debt collection

I have been attempting to ask Hunt and Henriques for help due to my health complications and financial hardships I have been experiencing. In my last communication to them I explained in detail my financial and labor problems that are causing me to be unable to pay my accounts. 

My representative contacted Hunt and Henriques asking for help and a settlement, but they demanded I hand over {$1600.00} to settle this account. Unfortunately, I dont have {$1600.00} since my monthly income is around {$900.00} per month, just last month was {$860.00} ( please find the attachment ) and I must pay my basic living expenses ( please find attachment ). It's quite the peculiar assistance they are claiming to provide. I am filing this complaint in hope my offer be deliver to the owner of the debt XXXX XXXX and the regulators see what Hunt and Henriques is doing to consumers, even low-income student. 

Because my work is not an essential industry, I was impacted to Covid-19, and at this point I dont have any source of income.
Product: Checking or savings account

On XX/XX/1919 I made a teller deposit at the Bank of America at XXXX XXXX XXXX at XXXX XXXX for {$970.00} dollars ( {$520.00} in cash the rest in checks ). They always count the money, sometimes twice using the auto counter. They gave me a receipt for {$970.00}, A day later they sent me a notice that there was a " currency shortage '' and deducted {$300.00} from my account, which hurt me considerably. At XXXX years of age, like many others, I live from pay check to paycheck. This was a huge blow. 

I went to two different banks to get it settled and presented my copy of the receipt for the money deposited and a deposit slip they photographed and placed on my web sight. They talked to me about how it might have happened, including one who said they video taped each transaction. They sounded as if it would be no problem to figure out. The first was the branch at XXXX XXXX XXXX and the second at the address shown above. They all seemed interested in resolving this matter and then it just tapered off - no further response from either branch and none of them answered either by e-mail ( XXXX XXXX XXXX ) ) or messages I left on the answering machined ( XXXX XXXX XXXX ). Both branches had explanations of a probable cause but did not return advise me of their findings or return the money to my account.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a XXXX  ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB Complaint to follow up the previous CFPB complaint I submitted requesting the removal of the fraudulent accounts and information off my Credit File. I sent a letter on XX/XX/XXXX, to remove the accounts, inquiries and Personal information that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts and information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaints & I am including it again : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AR, XXXX XXXX XXXX XXXX, XXXX, AR, XXXX XXXX XXXX XXXX, XXXX, AR, XXXX XXXX XXXX, XXXX, AR, XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX, XXXX XXXX XXXX, AR, XXXX XXXX XXXX XXXX, XXXX, AR, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AR, XXXX XXXX XXXX XXXX, XXXX, AR, XXXX XXXX XXXX XXXX, XXXX, AR, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX. If you believe that the dispute items belong to me, please send me the results of your investigation to prove your claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

! 5 U.S.C 1681 section 604 A Section 2. Also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I received a letter from the Bankruptcy Courts stating that they do not report the credit bureaus. All 4 credit bureaus ( XXXX, Transunion, XXXX and XXXX XXXX are reporting Bankruptcy on my report which is causing financial stability for me and my family. I demand any bankruptcy reporting be removed immediately from all 4 major credit bureaus. I have attached the letter received from the Bankruptcy court. 

Best Regards
Product: Credit reporting or other personal consumer reports

I'm writing to ask all credit bureaus to please remove all negative items from my credit report. Because my info was exposed in the XXXXee billion people data breach that accured. And under FCRA LAWS I want everything removed ASAP.
Product: Credit reporting or other personal consumer reports

DEAR, TRANSUNION IWOKEUPTHURSDAY, AND PULL MYCREDIT REPORTJUST TOCHECK MY CREDIT.I THEN REALIZED. I HAVE BEEN A VICTIM OF A CRIME... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. XXXX XXXX  IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX XXXX  XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX PLEASE HELP ME REMOVE AND DELETE THIS INQUIRIES FROM MY CREDIT REPORT. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX  XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Debt collection

My name is XXXX, but I am NOT any of the many XXXX a company called Portfolio Recovery keeps calling me about. I have asked them to take me off my list, yet I continue to get calls for XXXX who are not me and not known to me.
Product: Mortgage

To whom it XXXX Concern, I recently purchased a home and had a " mortgage XXXX XXXX '' try and help me. When I showed up to the closing after a year long process. I found out that the mortgage loan processor had overstated the loan and gave the seller an extra XXXX for the sale price. My lawyer was shocked and she stated this never happens. I asked him for help his name is XXXX XXXX he said there was nothing we can do that the seller would have to give me the money That is illegal, so now I am invested into a house that was originally being sold for XXXX to XXXX. I was told that this money would be coming to me, so I invested money into the home, that the seller should have invested in. This is not right, I should not have to pay interest on a loan, that was not stated correctly. I feel I was backed in a corner to sign. Also XXXX said he would try and help and he never did.
Product: Credit reporting or other personal consumer reports

When I checked my credit report this morning, I was shocked to see inaccurate accounts listed, and I cant figure out why. I regularly review my credit report, but this time, there were unexpected discrepancies. I even refreshed my browser, hoping it was just a glitch, but the wrong information was still there. I'm urging that the documents I've submitted be thoroughly reviewed so that I can stop worrying about this.
Product: Credit card

My employer requires us to have a credit card from J. P. Morgan Chase Bank NA for specific travel expenses. My account is set up with Chase for automatic payment. Last month, they failed to process the payment in the month it was due. Instead they processed it in error several days later and showed my account as past due. In addition, because of their error they reported me as past due to my employer. I suspect this is a problem with the Chase system that impacts many consumers. This problem, created by Chase Bank, could result in significant consumer harm with customers incurring additional expense in a variety of ways and potential for incorrect negative reporting on consumer credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Both Experian and XXXX will not update late payments on a transfered mortgage loan account I had with XXXX XXXX XXXX. I sent a letter to the XXXX of XXXX XXXX XXXX asking for late payment forgiveness because late payments were affecting my credit ability. The XXXX of XXXX XXXX XXXX agreed to remove all late payments and I was sent a letter. I sent the letter to Experian, XXXX and XXXX. XXXX has updated my account and removed all late payments. Experian and XXXX has not. I started a dispute with both and Experian made no changes. XXXX has not updated in over a month, so I am not able to see what has happened with them. I want this account updated to reflect no late payments immediately.