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

American Express Credit Card XXXX opened XX/XX/XXXX Late payment date XX/XX/XXXX I forgot to make a payment on time to AE in XX/XX/XXXX. I was contacted by AE and made the payment to correct this. The payment was made 1 day after the 30 day maximum grace. I inquired with the representative if this would be reported to the bureaus and he told me a flat NO. A few weeks later I saw that indeed it was reported and it TANKED my report. It has been about 7 years since this self inflicted lapse of memory happened and I would like the bump removed from my EXCELLENT credit report. I work hard on my credit and have for years it usually resides XXXX range and has for quite some time now. 
Hopefully this can be eradicated by filing a request here with you. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed three fraud dispute with trans union and also have tried to get the company XXXX to remove this from my credit because it does not belong to me and I am having no help from any of them. I do believe this belongs to someone because they made a payment but it is not mine.
Product: Credit reporting or other personal consumer reports

in accordance/with the Fair Credit Reporting act, the list of accounts below has violated my federaly proficted condumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 US.C 1681 sectin 602A. States I have the right to privacy.

15 U.S.C 1131 Section 604 A Section 2 : It aiso states a consumer reporting apency can not Aumnish a account without my written instructions.

*15 U.S.C 1631C ( a ) ( 5 ) Sircton States : no consumer reportng agency may make any consumer repart containing any of the following iterns of information Any other adverse per of information, ofer than tecords of convictons of chimes which antedates the report by more than bren years.

15 U.S. C 16315-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency i the person knows or has reasonable cause to believe that the information is inacourate.

Delete the accounts below.
Product: Credit reporting, credit repair services, or other personal consumer reports

" The story concerns the   XXXX   loan program, one of the more toxic mortgage offerings during the housing bubble. These loans offered a variety of different initial payment options for borrowers to choose : a sum corresponding to a 15- or 30-year fixed rate loan, an interest-only payment, or a minimum payment that created negative amortization, where the principal balance would actually increase with each passing month.
Borrowers naturally trended toward choosing the lowest payment. But they were never told about the implications, and when the pay option expired, their monthly mortgage bill would skyrocket, usually leading to default.
These were not loans, but neutron bombs with a long fuse. And roughly half a million borrowers took these   XXXX   loans under false pretenses from   XX/XX/XXXX - XX/XX/XXXX  .   XXXX   XXXX   and its subsidiaries sold the loans, but when    XXXX   XXXX    bought  XXXX  at the end of   XX/XX/XXXX ,  they assumed responsibility for them.
Homeowners began to complain when the payments shot up, and law enforcement started investigating as well. Because   XXXX   XXXX   were designed to fail, and because  XXXX  never disclosed the consequences,   XXXX   XXXX   was liable for violations of multiple consumer fraud statutes. '' My Complaint : Even to this day your company allows   XXXX   XXXX   to continue to stand behind their predatory lending practices, but what they have not provided are a few facts about my case that I think they should know. I initiated litigation proceeding against   XXXX   XXXX   back in XX/XX/XXXX  when their predatory lending practices came to light. The home equity loan was an instrument of  XXXX    XXXX   home loan, which was transferred in   XX/XX/XXXX  un der Account  XXXX  while litigation were still proceeding and without notifying me or my attorney of this critical piece of information. Critical, as the loan transfer released the primary home as collateral positioning   XXXX   to continue there ruse of a home modification in the works while clearing away any foreclose obstructions. my home was then foreclosed on a short time latter as there was no modification being worked out, so you see you 're being duped just as I was and your now going on record as supporting loan that was identified by the Attorney General of multiple states as a predatory loan ... Congratulations!
Product: Debt collection

XXXX XXXX XXXX XXXX keeps calling me from XXXX trying to collect debt I have no knowledge of that isn't on my credit report. They were claiming that I owed {$3000.00} to XXXX XXXX XXXX  for a credit card, which doesn't make sense because I have both a bank account and a credit card with XXXX XXXX XXXX that are current and in good standing. The credit limit also does not match. Despite me telling them several times that I do not have any knowledge of this debt and that it's not on my credit report, they keep calling me and using predatory terminology starting that they may sue me for the debt. They also called my fiance repeatedly looking for me and tried to talk to him about paying my supposed debt that I have no knowledge of that is again, NOT on my credit report and I've never received anything in the mail from these scam artists. I saw that these people were sued recently and I want them to stop bothering me and threatening me or I will also sue them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # 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 or other personal consumer reports

XXXX XXXX XXXX XXXXXX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries 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 credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I have been in communication with XXXX, and Equifax with regards to XXXX XXXX XXXX XXXX 's unlawful reporting of a late payment and a charge off. XXXX XXXX has been intentionally prolonging the resolution of this case because they are trying to serve me so I can come to court, which the FDCPA states that an attorney has no legal right to the debt collection process, per 15 USC 1692i. An attorney reached out to me on behalf of XXXX XXXX to inform me of the current status of the account. I formally asked for proof of the documents aforementioned and they have neglected to provide the tracking number or receipt of delivery. That is no coincidence that when I initially disputed this unlawful reporting, I received communication from the attorney who is representing XXXX XXXX XXXX XXXX. I sent an affidavit, in XX/XX/year>, certified mail, with a green return receipt, demanding that they furnish proof of the documents being mailed or delivered 21 days before the payment due date. Instead of them furnishing this information, they have continually stated that they're reporting was accurate. I eagerly request that the cfpb investigates this matter and ensure that XXXX XXXX complies with Federal statutes pertaining to my consumer rights.
Product: Credit card or prepaid card

There was unauthorized credit card charges on the account, also someone was added to my account with out my permission I told the credit card company and they are not working with me to fix the issue. Also identity theft was taking place on my account with out my permission someone have stole my phone number email address social security number date of birth and used it to make fraudulent identity theft over the time, there was an authorized user addeded to credit card account with my authority and was making fradulent charges on my account and now the credit card company is holding me responsible for the charges on the account. 
thank you.
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Name : - XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Incorrect DOB : - XXXX Listed below are the Accounts that are being challenged XXXX  - XXXX XXXX XXXX  - XXXX XXXX  XXXX - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A XXXX XXXX XXXX XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] XXXX  XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX Customer Service, I am writing to express my concern regarding a loan that was reportedly taken out for a flight to XXXX XXXX, which I did not take. I had requested the cancellation of this loan through a customer support representative, but unfortunately, the loan was not canceled, leading to missed payments with Uplift. 

I have since paid off the loan in full, despite not having taken the flight or benefited from it in any way. I kindly request that XXXXXXXX XXXX provide me with details regarding this flight that was charged to me and for which I had to pay XXXX. 

Flight Details to XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX I was unable to make the flight due to illness and had concerns about potentially transmitting the illness to others on the flight. Hence, I requested the cancellation of the flight. 

While the bill has been paid off in full, there are still negative items on my credit report that are adversely affecting my financial health. I would appreciate your assistance in resolving this issue and removing any incorrect negative reporting from my credit history. 

For your reference, here are the details of the payments made towards the loan : Total Loan Payments ( to date ) : {$650.00} Purchase Total : {$690.00} Initial Payment : - {$66.00} Down Payment : {$53.00} Origination Fee : {$12.00} Loan Amount : {$630.00} Interest Charged : {$82.00} Total Loan Payments : {$720.00} Remaining Payments : 0 Loan Payoff Balance : {$0.00} Principal Balance : {$0.00} Interest Balance : {$0.00} Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely,
Product: Credit card

I received an emailed thanking me for applying for a Sapphire Chase Credit Card. I immediately contacted chase and informed them that I did not apply for the card. They told me someone applied for this using my social security number on XX/XX/23. They dismissed the application and reported this as fraud and stated everything was reversed and would be taken care of on their end.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX, XXXX XXXX, D.C. XXXX Subject : Request for Investigation and Removal of Fraudulent Accounts and Inquiries Due to Identity Theft Dear Consumer Financial Protection Bureau, I am writing to formally dispute multiple fraudulent accounts and inquiries on my Experian credit report that are the result of identity theft, likely stemming from a data breach. These unauthorized accounts and hard inquiries have negatively impacted my credit score and financial standing, and I am requesting their immediate removal in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant federal and state consumer protection laws. 

Upon reviewing my Experian credit report, I have identified the following fraudulent hard inquiries, which I did not authorize : 1. XXXX XXXX XXXX  XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XXXX 6, XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XXXX XX/XX/XXXX Additionally, the following closed accounts appear on my credit report, negatively affecting my credit history, and I believe they may be linked to fraudulent activity : 1. XXXX XXXX Opened XX/XX/XXXX ( Closed at credit grantors request ) 2. XXXX XXXX XXXX Opened XX/XX/XXXX ( Closed ) 3. XXXX XXXX XXXX Opened XX/XX/XXXX ( Closed ) 4. XXXX XXXX Opened XX/XX/XXXX ( Closed ) 5. XXXX XXXX Opened XX/XX/XXXX ( Charged off, {$110.00} past due ) 6. XXXX XXXXXXXX XXXX  Opened XX/XX/XXXX ( Closed, one late payment ) 7. XXXX XXXX Opened XX/XX/XXXX ( Closed ) 8. XXXXXXXX XXXX Opened XX/XX/XXXX ( Closed, four late payments ) 9. XXXX XXXX Opened XX/XX/XXXX ( Closed, sent to collections, {$1000.00} past due ) The unauthorized nature of these inquiries and accounts has caused financial and emotional distress. According to the FCRA, credit bureaus must remove fraudulent information when a consumer reports identity theft. I am formally requesting : 1. The removal of all fraudulent hard inquiries listed above.

2. The deletion of all fraudulent closed accounts and derogatory marks associated with identity theft.

3. An updated credit report reflecting these corrections.

I have enclosed supporting documentation, including : A copy of my Experian credit report with the fraudulent accounts and inquiries highlighted.

A copy of my government-issued ID for verification.

A copy of my FTC Identity Theft Report ( if applicable ).

Please investigate these matters urgently and ensure that Experian complies with federal and state consumer protection laws. I appreciate your prompt assistance in resolving this issue. Please confirm in writing once the necessary corrections have been made. 

Thank you for your time and attention. I can be reached at XXXX or XXXX should you require any further information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted my ID theft form in regards to unauthorized fraudulent inquiries that are listed on my credit report. XXXX XXXX multiple times, XXXX XXXX, XXXX, XXXX, XXXX/XXXX and XXXX/XXXX, also fraudulent accounts XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX, these accounts have been removed from my report by XXXX, but XXXX and XXXX has refused to block the fraudulent reporting accounts. They refused to investigate these account and delete them from my credit profile. This is hurting my credit!
Product: Checking or savings account

On XX/XX/XXXX I went to the atm in the Chase bank located on XXXX XXXX XXXX to withdraw {$60.00}. XXXX XX/XX/XXXX at XXXX am I received a text from the Chase fruad department asking to verify a bank withdrawal of {$200.00}. I declined it. My card was closed and new one was issued. I reached out to customer service when I got home from work to report 14 transactions of fraud from my account. I received a temporary credit of {$400.00} and it was reversed and taken away again. In total I was scammed out of {$3800.00}. I spoke to to a banking representative XX/XX/XXXX asking for the letter I was supposed to receive and asking for help. The bank informed me that they could not help me. I requested atm footage to prove I did not withdraw the money in question and the bank also denied that request. I then went to the XXXX precinct located at XXXX XXXX XXXX in XXXX and filled out a police report. I have provided the bank with said report and no one is investigating my claim. I am a victim of scam and fraud and I do not believe that the bank is doing what they need to do to resolve this issue. How does this branch allow scam at the location and do not protect their clients?
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX will investigate this account for me to ensure accuracy Here is the accounts I am asking you to verify as accurate : XXXX XXXX XXXX  XX/XX/2018 {$3200.00} XXXX XXXX XXXX XXXXXX/XX/2018 {$910.00}
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my XXXX XXXX long ago. I am a XXXX of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my XXXX XXXX  that are fraudulent. I have also found out that the accounts listed below are not connected to my XXXX XXXX : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft.
Product: Credit reporting or other personal consumer reports

THE DATE YOU HAVE THIS ITEM REPORTED AS A CHARGE OFF DOESNT MATCH MY RECORDS. I REQUEST THAT YOU VERIFY THE INFORMATION AND REMOVE PRONTO PRESTAMOS FROM MY CREDIT REPORT I REQUESTED FOR THEM TO SEND THE ORIGNIAL ALLEGED PROMISSORY NOTE AND ACCOUNT TRANSACTION HISTORY AND THE REQUIRED DEFUALT OR ACCELERATION NOTICES I ALSO ASKED FOR THE SALE DOCUMENT AND CALULATION OF SURPLUS OR DEFENCENY LETTER LET ALONG WITH THE FINANCE CONTRACT AND BUYERS GUIDE AND PURCHASE ORDER AND HAVE NOT RECIEVE NO PROOF IM ASKING FOR THIS TO BE REMOVED OFF MY CREDIT REPORT EFFECTIVE IMMEDIATELY DUE TO THIS BEING INVALID ON MY CREDIT REPORT AND IN VIOLATION OF THE FDCPA AND FCRA.
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

[ XXXX XXXX XXXXXXXX ACCT : XXXX, XXXX ACCT : XXXX, XXXX XXXX XXXX ( DEBT COLLECTOR ON BEHALF OF XXXX ) ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : * A copy of my credit report I received from your company. The fraudulent items are circled. 
* A copy of my Identity Theft Report and proof of my identity. 
* A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( XXXX ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : * FTC Identity Theft Report * Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] * Copy of Credit Report * Fair Credit Reporting Act Section 605B
Product: Credit card or prepaid card

I purchased the card on XX/XX/2023, and was unable to use it for a particular payment and it did not work. Today is XX/XX/2023 and NO merchant will accept this card. I have contacted American Express regarding this ECARD at least 5 times and have been advised to try different merchants, I have tried at least 8 different merchants, and no one will accept this card. American Express will not give a list of merchants that will accept it. The refuse to send a card that I can attach to my personal information to use. The refuse to do anything. The leave you on hold for a long as you will hold, on hold right now for 38 minutes. So, no customer service is provided. This is a scam!!!!!!! They are stealing the money of their customers! I have read review after review after review stating the same thing. American Express I have always considered a company you can trust so I did not think twice before purchasing. People are getting ripped off every day by this egift card garbage. They outsource customer service and NO ONE cares or tries to help. This really needs to be addressed!
Product: Debt collection

On XX/XX/2023, I received a call from a collections company called Emergent Services regarding my XXXX XXXX XXXX XXXX XXXX XXXX account with XXXX XXXX that was paid and forgiven. XXXX XXXX XXXX XXXX XXXX XXXX broke the contract by selling the account to a third party and I am seeking damages from both parties.