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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2200.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$3500.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$750.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$540.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$750.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$1100.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$390.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance XXXX {$370.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$420.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$240.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$360.00} XXXX XXXX XXXX XXXX ( Original XXXX : XXXX XXXX XXXXXXXX XXXX  ) XXXX Balance : {$110.00} XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX  ) XXXX Balance : {$190.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$370.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$370.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$110.00} ; XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance XXXX {$180.00} ; XXXX XXXX XXXXXXXX ( Original XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$280.00} ; XXXX XXXX XXXXXXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$110.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$760.00} XXXX XXXX XXXXXXXX Balance : {$150.00} ; MXXXX XXXXXXXX Balance XXXX {$110.00} ; XXXX XXXXXXXX Balance XXXX {$200.00} ; XXXX  XX/XX/XXXX.
Product: Checking or savings account

I have been denied opening An account with any account and I need to get it removed off
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting to experian, XXXX, and XXXX in which each bureau or company has erroneous, inaccurate and misleading information on my credit report. The High balance of this account is inaccurate and erroneous. This account is completely misleading, incorrect and is violating 15 USC 1681 a, 1, 2, 3, and 4. Furthermore, the account should be deleted. The High balance amount of experian is {$0.00} therefore the balance should be XXXX if thats the case and the balance fluctuated in dollar amount as well!. The High balance amount of XXXX  is {$1300.00}. The High balance of XXXX is non-existent which is very misleading. I have disputed these erroneous accounts with each credit bureau for over 90 days with no relief to be had. Please delete this account.
Product: Credit reporting or other personal consumer reports

I have XXXX accounts reporting on my Experian report that are fraudulent. I have submitted the XXXX accounts and a identify theft report to Experian. Experian said they verified the information as accurate even with my identity theft report. 

the XXXX accounts are : XXXX XXXX XXXX I would like Experian to show how they confirmed this account is mine as it is not. I would like them to provide proof of investigation and if they can not they need to follow the FCRA 605b and FCRA 611 ( 7 ) XXXX XXXX XXXX XXXX this account has been removed from my other credit reports after investigation. I would like Experian to show how they confirmed this account is mine as it is not. I would like them to provide proof of investigation and if they can not they need to follow the FCRA 605b and FCRA 611 ( 7 ) I request proof or delete both accounts off my report
Product: Credit reporting or other personal consumer reports

All this information need to be updated correctly. 
Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX - Employers : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX I should only have one name same as it appears on my drivers license or social security card no other names abbreviations etc. only one address Which is XXXX XXXX XXXX XXXX no work employment should be on my report I dont work for anybody thats inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint and also bring to your serious attention regarding the inaccurate information displayed on my credit reports by TransUnion, XXXX XXXX XXXX. 

The information reported by XXXX XXXX XXXX XXXX ( Account # XXXX ), which appears to be in flagrant violation of numerous consumer protection laws and federal regulations. Specifically, the following violations have come to light : 1. Violation of 15 US Code 1681a ( 2 ) ( B ) concerning charge-offs and repossessions.

2. Contravention of 15 US Code 1681c ( 2 ) by blocking information, potentially facilitating identity theft.

3. Breach of 15 US Code 1681e ( b ) by failing to ensure maximum accuracy in reporting.

4. Non-compliance with 15 US Code 1681a ( 2 ) in regard to definitions and rules of construction.

5. Breach of 15 US Code 1692c concerning communication related to debt collection.

6. Violation of 15 US Code 1692g regarding improper reporting of debt collections.

7. Disregard for 15 US Code 1601 which outlines Congressional findings and the declaration of purpose regarding consumer protection.

8. Failure to adhere to 15 US Code 1681a ( 2 ) ( A ) ( i ) pertaining to late payments.

9. Violation of 15 US Code 1681b ( a ) ( 1 ) ( 2 ) regarding permissible purposes for obtaining consumer credit reports.

These violations not only constitute serious breaches of the law but also have significant adverse effects on me as a consumer. Furthermore, I must express my dismay at being instructed once again to contact your institution to dispute information that is clearly not mine, which amounts to yet another violation.

It is imperative that immediate action is taken to rectify these errors and remove any and all harmful, unlawful, deceptive, illegal, and fraudulent information from my credit report. Failure to do so may result in further legal action, with jurisdiction in a venue convenient to me.

I trust that you will address these matters with the urgency and seriousness they warrant, and I anticipate a prompt resolution to this troubling situation.
Product: Debt collection

this is the third party is call me threatening me if i do n't pay will take me to jail./or they reported to credit bureau.
Product: Credit reporting or other personal consumer reports

Around XX/XX/XXXX I contacted Experian credit bureau questioning the accuracy of few items on my credit report as well as removing the fraud alert on my report. My request was put in writing. They have ceased investigation of my credit reports because in their opinion, they believe I have used a third party credit agency. 

On XX/XX/XXXX I have contacted Experian again stating that I believe they are using a stall tactic to gain additional 30 days to comply with my original request and they are delaying my request. They have breached and violated the FCRA. Additionally, there is NO law that states a consumer can not use a third party. 

Since then - Experian have placed a fraud alert on my report and refusing to process any dispute requests I made. As a result, they are damaging my finances by blocking my ability to obtain new credit. 

The damage has impacted my life since last year until this moment. 

The items I disputed and my requests got ignored are as follow : 1 ) XXXX XXXX XXXX - Opened XXXX XXXX XXXX Balance {$0.00} was never late and I requested that Experian correct this info on my credit report. 
2 ) XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX Balance {$6600.00} does not belong to me. I requested to be removed from my credit report. 
3 ) XXXX XXXX XXXX - Opened XX/XX/XXXX Balance {$1700.00} does not belong to me. I requested to be removed from my credit report. 

I requested the above accounts to be investigated- however, Experian refused to process because they think those requests were not made my me. I also called them and verified my identity with them over the phone - and requested that the Fraud alert and the incorrect items to be removed my credit report - however, they refused to do so. 

In summary, I tried every way to resolve this but they either refuse to process my request or ignore. 

Attachments : 1 ) Demand letter # 1 to Experian 2 ) Demand letter # 2 to Experian 3 ) Screenshot of Experian responses refusing to process my disputes because they believe it is not me who wrote the dispute requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX, Equifax and XXXX regarding this debt that has been paid. They continue to give me the run around and not update this negative information. I have mailed letter after letter and nothing
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not take proper precautions to safeguard sensitive data on their servers and lost it and as part of the breach want me to sign a arbitration clause for them to do anything about it even though they made the mistake. It is unacceptable for the company to require an arbitration clause for any remediation of the issue they created
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Santander consumer reported my account 30 days late for the months of XXXX, XXXX, and XXXX when account was in fact paid. I have statements from Santander that show account was paid before the due date. This is not the first time Santander has falsely reported information to the credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

I already reached out to the credit bureaus and to BK OF AMER for the account number XXXX and notify them of their error posting for this account. I DO NOT OWN THIS DEBT, and I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. Continued reporting of this inaccurate and UNVALIDATED debt. I thought they had dutifully complied to the law to cease any collection efforts unless proper validation has been provided. Then I found out that the issue still persists, I just had to escalate to CFPB.
Product: Debt collection

Willful non-compliance as per FDCPA 807. False or misleading representations 15 UCS 1962e. I wrote my first letter On XX/XX/2020, Second letter on XX/XX/2020, Third letter on XX/XX/2020, to Midland Funding LLC/ XXXX XXXX XXXX XXXX XXXX XXXX ( Attorney for Midland Funding LLC ) to request validation of debts they claim I owe. $ XXXX $ XXXX {$3000.00} of which they are reporting to the credit bureaus ; I formally disputed their claims. I not only disputed their claims but requested my signature as validation of said debt within 30 days of receiving my requests. They failed to provide me with validation, but they did respond to me with a default judgement for alleged account {$1000.00}, and a motion to set aside/vacate the default judgement has been filed and a court date set. And continue to report as of today XX/XX/2020 which has been detrimental to my credit score for debt they unable to validate as mine.
Product: Credit reporting or other personal consumer reports

RE : Dispute of Unvalidated Debt Account Number : XXXX ( XXXX XXXX XXXX XXXX XXXX I am writing to formally dispute the accuracy of an entry on my credit report. The entry in question pertains to an alleged debt reported by XXXX XXXX XXXX on behalf of XXXX, referenced by account number XXXX. 

After requesting validation of the debt from XXXX XXXX XXXX, I have found that they failed to provide sufficient evidence that the debt is valid. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g ( b ), a debt collector must cease collection efforts if they are unable to validate the debt, which includes reporting the debt to credit bureaus. 

Despite my request, XXXX XXXX XXXX has not provided : A signed agreement or contract proving that I am responsible for the alleged debt. 
Documentation confirming their legal right to collect on behalf of XXXX. 
As this debt has not been validated in accordance with FDCPA requirements, its reporting to the credit bureaus violates 15 U.S. Code 1692e ( 8 ), which prohibits the communication of false or misleading information to third parties, including credit reporting agencies.

I respectfully request that you immediately remove this unvalidated account from my credit report as it is inaccurate and unsubstantiated. I have attached supporting documentation, including my correspondence with XXXX XXXX XXXX, to assist in your investigation. 

Please notify me in writing once the account has been removed. I trust that you will handle this matter promptly to ensure the accuracy of my credit file, in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i.

Thank you for your attention to this important matter. I look forward to your timely response. 

Sincerely, XXXX XXXX [ Enclosures : Copies of correspondence, documentation ]
Product: Credit card

I was late on XXXX diff payments since XXXX always under XXXX the date payment is due is on the XXXX of the month so I have to try and remember that. I always made the payment and late charge after notification, The store card had a XXXX credit line with my balance of XXXX, They dropped my credit line to XXXX. I have had and used this card for XXXX  years.I find this extremely harsh and unjust. When I called about it they then told me they were going to mail me the explantion for this.
Product: Debt collection

A few months ago I checked my credit to learn that I have a collection account. I attempted to dispute the item with the credit bureaus, they returned and stated the accounts were verified. I then made contact with with the collection company in writing requesting verification. After several communications back and forth over two months they have still not removed the items nor have they sent anything to verify  the debt. Furthermore, I requested information on their registered agent within my state and have filed to provide that information. Please assist me!
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding XXXX Account 's. Disclosing personal information to create multiple accounts reported to the XXXX  Credit bureau and currently i am fighting this assignment fraud. XXXX  Identity Fraud, Identity Theft dates, Co-conspirators & ROBO-signors Mortgage Servicing Fraud occur new account information and other transfer fraud MERS Mortgage Fraudulent transfer, Transferring a mortgage to another servicer. Fraudulent Assignments and fraudulent activity created a car loan account. Fabricated assignments, forged signatures and utter counterfeit created to fraudulently obtains a mortgage on my property. going on in Florida. Case Number : XXXX XXXX XXXX Case Style : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  : XXXX - XXXX XXXX Case Status : OPEN Case Type : CIRCUIT CIVIL. Weekly Circuit Civil Foreclosures Report Clerk AP # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX case ( XXXX ) XX/XX/XXXX : XXXX XXXX cici : city of XXXX XXXX a florida municipal corporation attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX fl XXXX phone : XXXX
Product: Credit reporting or other personal consumer reports

My credit information was exposed in a data breach and I want it fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with HUNTINGTON NATIONAL BA. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and HUNTINGTON NATIONAL BA  with no successful resolution. XXXX, XXXX and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late.
Product: Credit card

My name is XXXX XXXX XXXX, and I have had XXXX joint account opened with Chase for almost 10 years. The last XXXX of my credit card is XXXX. I never had any issues ; never behind or late on my account. I have always value my relationship with Chase. Recently I discovered that my account had been closed ( back in XXXX ), but the closing was unauthorized. I never received any type of letter that confirmed the closing or else I would have responded in order to correct or dispute the information. This was my very XXXX credit card, and I would have never attempted to close my account under any circumstances. I called in and spoke to a representative to find out what happened with my account. The representative informed me that it was closed, and it could 've happened by mistake, but I would have to speak with her supervisor to get the account re-opened. Her supervisor XXXX came to the line, stated that the previous rep gave me incorrect information and states that nothing can be done to re-open the account whether it was or was n't a mistake. He states that it was closed in XXXX. He stated that someone called in to close the account, but he had no actual evidence of the call or who called in to do it. He stated that " it must have been you!! '' When I asked to speak with his supervisor ( XXXX XXXX ) he claims that his supervisor wont be available until after XXXX, and if he was available he would n't allow me to speak with him, because he has everything under control and his supervisor would n't be able to help me anyway. After I informed him that I was going to report his attitude and unprofessionalism to the executive office, then he allegedly transferred me to a miscellaneous extension that was not his supervisor extension. It ended up disconnecting the call. I do n't deserve to be treated like this. I did not use any type of profanity nor did I raise my voice during the call. I attempted to handle the conversation in a very professional manner, however I was treated with any type of dignity or respect. The supervisor was very rude, and cold hearted when it came to assisting me. He never attempted to see if the closing was performed by mistake or if the person who called in was even authorized to take matters into their hands to close my account. I would like for my account to be re-opened, because I never authorized for it to be closed, and I do value my relationship with Chase.
Product: Mortgage

Carrington took over the mortgage. I have no say so in who owns my mortgage which is a horrible way it works. They did not communicate or act to pay my flood insurance which they require to be paid in escrow. In 20 years of having mortgages have never had this issue and my insurer XXXX XXXX XXXX said they were the worst to deal with. They delayed the process I feel on purpose to make me buy their insurance and Jack my price up. Double what I was paying. The only notice we received said final Notice. Then they delayed a process that my insurance company says usually takes XXXX XXXX at most into XXXX XXXX XXXX Have not gotten anywhere with the company. Second issue is I pay through my bank. Every other company that buys the mortgage has been super easy to do so. For some reason when I try to pay Carrington its a XXXX to XXXX XXXX process. I feel they are trying to harass me because I have a super low rate and they know they can get more money out of someone else. Its an I fair practice, and as this is not the company I started my mortgage with I feel I have been forced into a sub par relationship with an aggressive and belligerent company
Product: Credit reporting, credit repair services, or other personal consumer reports

filed ftc accounts names address not mine XXXX XXXX XXXX XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX  XXXX XXXX potentially negative icon Potentially Negative StatusOpen. {$180.00} past due as of XX/XX/2020. 
Account TypeCredit card Balance {$420.00} Date OpenedXX/XX/XXXX Dispute XXXX  XXXX XXXX potentially negative icon Potentially Negative StatusOpen. {$190.00} past due as of XX/XX/2020. 
Account TypeCredit card Balance {$480.00} Date OpenedXX/XX/XXXX Dispute Installment Loansshow tooltip button XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusOpen. Deferred, payment date not reported Account TypeAuto Loan Balance {$7000.00} Date OpenedXXXX Detailsunder dispute icon