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

I checked my credit report XXXX of 2021 because I did not agree with a collection that was on my report the original creditor is " XXXX XXXX XXXX '' and the debt collector is " XXXX '' The debt collector informed me that I owe {$2000.00} ( I have a copy of what they sent me ) XXXX, However, was reporting that I owe {$2000.00}, So I asked XXXX to re-investigate this matter because they weren't reporting the same amount ( after it came back " validated '' ) It has now been over a month and I have not heard back from XXXX. 

My next complaint is for the same account but this time with Experian the same process from above was followed. Experian, also was reporting that the balance owed was {$2000.00} I then sent them a letter its been well over a month not only have I not heard back from them- they UPDATED the balance owed to {$2000.00} another incorrect balance if these are the SAME ACCOUNT I don't understand why I'm being told 3 different balances.

I'd like for this all to be removed from my credit file. 

In my possession I have the invoice from the original creditor, debt collector & the letters save that I sent to both credit bureaus.
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 Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 


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

I had no acknowledgment and I did not authorize my credit to be ran on the following dates with the following companies : XX/XX/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
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft/fraud. I have noticed the original creditors, XXXX, XXXX & Experian several times that the following accounts do not belong to me : DEPARTMENT OF EDUCATION/XXXX XXXX  XXXX XXXXXXXX XXXX XXXX I have not in any way received goods or services from these companies and I have provided my police reports, my FTC ID Theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to the original creditors, XXXX, XXXX XXXX Experian.
Product: Credit reporting or other personal consumer reports

Experian is being prejudice. Experian is hiding XXXXXXXX XXXX XXXX from my credit report.in attempt to stop me from filing a dispute deny me the right to file a new dispute old report # XXXX XXXX XXXX. Experian is being prejudice by not updating my credit report. Experian has been treating me unfair by looking at my supporting evidence that supports my dispute. Experian has been prejudice against me by allowing illegal credit score dropping as well and harshly. for example, XXXX XXXX closed my acct due to their error ( XXXX  error ) submitted letter of error to Experian they Experian drop my score XXXX points for a " safe '' credit building card. that i put my money in. XXXX  allowed a transaction to go through on a canceled credit building card that was canceled due to fraud. XXXX  punished me because they messed punished me for their noncompliance after many XXXX XXXX policy was its our money its a safe secured card it won't affect my credit but then they closed me out unfairly and Experian backed them up and despite the facts and evidence letter from XXXX  stating the error was on XXXX behave Experian refused to restore my XXXX point that were unfairly dropped..
Product: Checking or savings account

XXXX I am a 100 % XXXX XXXX XXXX XXXX, from ND. The ID theft occurred in XXXX XXXX, FL XXXX Wells Fargo employee XXXX XXXX, woke me from a nap stating there was suspicious activity on my Wells Fargo acct, there was.. My husband heard the entire conversation on my speaker phone on cell phone. I asked her to verify who she was and rattled off her Employee ID # .Since I was not awake she asked for pin #. I did NOT know I was speaking to scammer, because she said exactly what a WF employees says. 
I asked her how this suspicious activity happened and she said someone scammed me and got my personal from possibly and on-line purchase and probably made a new WF card. She said the acct. was now closed and I would receive a new card. I didn't, it was a scam, and my husband and I feel it was an inside job at Wells Fargo. 
I checked my on-line acct. and she had used the card and stole approximately {$4000.00} throughough XXXX XXXX, FL. I immediately called Wells Fargo consumer ID theft/consumer fraud. We were able to stop over {$1000.00} of the purchases XXXX XXXX ( aka? ) made. The WF rep. told me that Wells Fargo would make a thorough investigation, and I should contact consumer fraud in FL. 
I heard from XXXX XXXX, Senior VP, Claims Assistance Center, shortly I filed the ID theft claim. She DO NOT INVESTIGATE MY CLAIM and quickly closed the claim stating I was at fault and did nothing to assist me find XXXX XXXX or research about whether a WF present or former employee in the XXXX XXXX, FL was scamming people. I believe that this is an inside job, and it represents the financial corruption at WF.
Product: Credit card or prepaid card

My wife made a double payment for our Barclays XXXX XXXX on XX/XX/2022 ( the due date ). It was posted and marked received on Tuesday, XX/XX/2022. No late fees. 
On Thursday, XX/XX/2022, I checked the " current balance '' and it said {$5600.00}. I paid the amount in full on Thursday, XX/XX/2022. It was posted and marked received. 
On Friday, XX/XX/2022, there was {$100.00} in " interest charges ''. 
I contacted the company through chat on Sunday, XX/XX/2022. I was told that it was a previous unpaid amount- and then later told it was a late fee. 
I checked with my wife and saw that we were not late, that she, in fact had paid a double amount on the due date. 
I contacted the company again through chat today, Monday, XX/XX/2022. I was told that it was interest charges. I asked why they were not reflected in the posted " payoff balance '' and XXXX told me that it just wasn't. I said that if there are fees or charges that are not listed in the payoff balance that shouldn't that be fraud? She said no, it was a valid interest charge. I asked her for the payoff balance today to pay off the card and close the account. She told me {$100.00}. I asked how was I supposed to trust that I pay that off today and then have another {$50.00} " interest charge '' tomorrow. How can you trust a company if they post a payoff amount, but can arbitrarily charge " interest fees '' without proof the next day?
Product: Credit reporting or other personal consumer reports

Hello, I sent a letter to Transunion ( Certified Mail ) letting them know that I have been a victim of Identity Theft and that they are reporting XXXX accounts inaccurately on my credit report. 

The accounts are as followed : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Possible Transunion said they can not block these illegal accounts because they feel like my claim isn't true although I sent all the necessary paperwork and made sure to send it ceritfied mail with a tracking number. 

I don't think it's fair that transunion is doing this to me. 

I'd really appreciate removal of these accounts because they are not mine. the other XXXX credit bureaus have removed them. 

Please fine them or have them help me. 

Thank you.
Product: Mortgage

My mother had her XXXX home mortgage through XXXX XXXX XXXX. She passed away XXXX XX/XX/2022, leaving her home to my sister and I. I am the executor of her estate. Her home was sold and the mortgage paid in full. I have a copy of the lien release from the mortgage company. An escrow refund check was mailed, but in the upheaval of selling the home ( which I was living in with her at the time ), moving, and grieving her death, the check was misplaced. I just found it about two months ago. Since the check is more than 180 days old, it is void and the bank will not cash it. I have since found that XXXX acquired XXXX XXXX XXXX. I have sent several emails and talked to numerous agents over the past XXXX weeks trying to get a replacement check issued. Only one agent has been able to find any record of the loan ( and I can't reach her again. ) She gave me another number to call that went straight to a voicemail. None of the emails I have sent or voicemail messages I have left have received a response, or even an acknowledgement that they had been received. The last call I made, the overseas agent gave me another number to call. I was connected to XXXX XXXX XXXX ... an autobody repair shop chain. I have my mother 's death certificate, her Last Will and Testament, the lien release from the mortgage company , the closing documents and settlement statement from the sale of her home, and the unendorsed, undeposited original check. It would not seem that this would be such a difficult problem to resolve, but I'm not getting anywhere and need help. I have found on XXXX and other review sites that XXXX is a terrible company with which to do business, and escrow refunds are a frequently mentioned problem.
Product: Debt collection

These collections are in my report, which I have no knowledge of. I asked for documentation proof of authorization from original creditors because I cant see this report on my credit report except Im being sued in collections for that I have no recognition of and I needed to be removed because I cant provide any proof. I am in No agreement with the debt collector who can not provide any legitimate proof that this account belongs to me and Ive been disputing this over and over and its my right on a few Credit Repair if they can not show me proof or find any documentation, the credit agency needs to remove this from my report
Product: Credit reporting, credit repair services, or other personal consumer reports

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

In Accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX BANK and account # XXXX, has violated my rights. 

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

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

In Accordance with the Fair Credit Reporting Act XXXX Account BANK OF XXXX and account # XXXX, has violated my rights. 

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

In Accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXXXXXX XXXX and account # XXXX, has violated my rights. 

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

In Accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXXXXXX XXXX and account # XXXX, has violated my rights. 

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

In Accordance with the Fair Credit Reporting Act XXXXt Account XXXXXXXX XXXX XXXX and account # XXXX and account # XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting Act XXXX Account DEPT OF EDUCATION/XXXX  and account # s XXXX, account # XXXX, and account # XXXX, has violated my rights. 

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

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

In Accordance with the Fair Credit Reporting Act XXXX Account, 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 an account with out my written consent. 

XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This was an I identity theft account from XXXX XXXX account that was cancelled by XX/XX/XXXX XXXX due to fraud and identity theft and experience has removed the account but TransUnion refuse to remove the fraudulent account and does not investigate the the account directly with XX/XX/XXXX XXXX to delete and remove the account. I did but consent to TransUnion to report this fraudulent account on my credit report. I request this account be removed in 4 to 5 business days due to the credit law from section 15 usc 1681c-2. I have disrupted this XX/XX/XXXX XXXX account with TransUnion over 7 times and they are not following credit laws. Please have them deletedXX/XX/XXXXXXXX account number XXXX asap. Thank you. And also XXXX credit bureau is not properly investigating the XX/XX/XXXXXXXX account.
Product: Credit reporting or other personal consumer reports

I am writing regarding unresolved inaccuracies on my credit report and your failure to conduct a reasonable investigation as required under the Fair Credit Reporting Act ( FCRA ). This letter services as my formal Round 3 dispute the following accounts XXXX XXXX XXXX XXXX XXXX XXXXXXXX " this account is reporting inaccurate late payments despite no supporting documentation '' account remains unverifiable XXXX XXXX XXXX XXXX XXXXXXXX " this account is reporting inaccurate late payments despite no supporting documentation '' account remains unverifiable XXXX XXXX XXXX acct # XXXX " this account is reporting inaccurate late payments despite no supporting documentation '' account remains unverifiable XXXX XXXX XXXX XXXXXXXX " account remains unverifiable '' XXXX XXXX XXXX XXXX XXXX XXXXXXXX " this account is reporting inaccurate late payments despite no supporting documentation '' account remains unverifiable Recently, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Experian for engaging in sham investigations of consumer disputes. The CFPB 's complaint highlights that Experian improperly marked disputes as frivolous or conducted superficial investigations that fail to verify the accuracy of reported information. This practice violates the rights of consumers under the FCRA.

As per the FCRA 611 ( 15 U.S.C 1681i ), Experian is required to : 1. Conduct a reasonable reinvestigation when a consumer disputes the accuracy of information. 
XXXX. Notify the furnisher oif the disputed information. 
XXXX. Delete or correct information that can not be verified within the required timeframe. 

Given the CFPB 's findings and your previous handling of my disputes, I am concerned that you have not fulfilled your statutory obligations. Let this letter serve as formal notice that I expect the following actions to be taken immediately : 1.Conduct a thorough and reasonable investigation into the disputed accounts listed above.

2. Delete or correct any unverifiable, inaccurate, or incomplete information. 
3. Provide me with a detailed explanation of the investigation process and furnish supporting evidence to verify the information in question.

4.Send me and updated copy of my credit report reflecting any changes.

Under FCRA 611 ( a ) ( 5 ) ( A ), if the disputed items can not be verified, you are legally obligated to remove them from my credit file.

Failure to comply with the FCRA will leave me with no choice but to escalate this matter further by filling a complaint with the CFPB, the Federal Trade Commission ( FTC ), and my state 's Attorney General 's office. 

I trust that you will take immediate corrective action and provide a response within the 30 days required by law. 

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

XXXX, TransUnion and XXXX  credit reporting agencies are showing a balance of {$5000.00} with my prosper account. This prosper account has been paid off and the balance should be {$0.00}. I contacted both credit bureaus several times and they have not corrected this problem. Both credit bureaus are in violation of the federal fair accuracy act. I would like my prosper account balance to be corrected immediately.
Product: Credit reporting or other personal consumer reports

I tried to dispute a address of my credit report that wasn't mine and Equifax won't delete it I tried like twice they are violating my rights in the credit act so I need that address on Equifax deleted the address is XXXX XXXX XXXX XXXX XXXX GA XXXX and I never had a world acceptance account this is on my credit report to from Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is incorrectly reporting a closed account in order to keep the item on my credit report. The credit bureaus have not done their due diligence in obtaining supporting account information to verify that what is being reported is correct and accurate. I have disputed this information with the credit bureaus numerous times, however they continue to report the account as opened in 2019. 

According to law, the information reported by collection agencies must coincide with information from the original creditor. XXXX XXXX is ignoring these requirements, in addition to harassing me by calling me numerous times per day and often several times per hour despite my requests for them to cease. The credit bureaus, Experian and XXXX, are continuing to report this incorrect information and after a dispute, I have been asked to provide documentation. Reporting agencies are required to provide information validating what they are reporting so they are required to provide accurate information and verify the information they are reporting. I would like a copy of the information including the actual date the account was opened and the actual date the account was closed with the original creditor. 

I would like this incorrect information removed from my credit report and I would like XXXX XXXX to cease the harassment.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth:XXXX  Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 a ACCOUNT - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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

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, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 an 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

My name is XXXX XXXX. I have been harassed by a company called IC systems for many years. 
They somehow procured a debt that I had with XXXX XXXX for my last bill which was around {$100.00}. 
That bill was paid in full and I have a XXXX balance with XXXX XXXX cable I see systems has repeatedly harassed me by resubmitting information about the debt after it is taken off my credit report through disputes This debt has been disputed and removed numerous times over the past four years This tactic of re-introducing debt, which has been proven to be false and removed from someones credit is harassment and should be illegal. Please stop them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I XXXX XXXX spoke wit XXXX and TransUnion about a student loan that was report incorrectly in the amount XXXX on an account the was not due until XX/XX/XXXX