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

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/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 TransUnion, XXXX, XXXX 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 personal credit card account opened at XXXX XXXX ( XXXX ) is not reporting accurate and or updated information it hasnt report since XX/XX/XXXX. Accounts Removed Shall BE : XXXX XXXX XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$440.00}. 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, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Debt collection

I received phone calls from credit collection services XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, phone number XXXX. They stated XXXX XXXX insurance said I owed XXXX. I sent a copy of my new insurance showing I was covered prior to renewing with XXXX XXXX. This was around XX/XX/XXXX. I heard nothing until around XX/XX/XXXX. This collection agency again contacted me saying I owed XXXX XXXX XXXX dollars. I sent the required documents. XXXX of XXXX, I was notified by my XXXX  and XXXX XXXX, that credit collection had placed the account on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to get a repossession from my credit report! This is outrageous and it is keeping me from moving forward with my life. I have not only filed a report with you before but also the credit agencies and the creditor, Credit Acceptance. I am so tired of this! I want the account XXXX removed based on the law 15 U.S. Code 1681a - Definitions ; rules of construction under ( 2 ) exclusions letter B. I will attach it to my complaint.

I want this removed ASAP. I am currently consulting a lawyer. I have anxiety that this has contriuted to. I am also a victim of the breach at XXXX. 

I keep being told by the credit agency to call the creditor and they tell me to call the credit agency. I was even told by Credit Acceptance that they would remove it and they didnt. I called them back and they wouldnt honor it. What a joke! Where is the customer service and law abiding companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter out of pure frustration and anger. For the last two years I have been disputing incorrect late payments on my credit report from all 3 credit agencies. They have continuously ignored the errors of late payment history to only update the accounts as paid and closed. Their own credit report shows the inaccuracies in payment history and supplier remarks. These accounts have been paid and closed since XXXX of XXXX. Most of them are more than 6 years old. The incorrect late payments have re-aged this account and caused severe damage to my credit file and score for over 4 years.

Here are just some of the errors being reported by all three bureaus : 1. Incorrect start date. 2. Incorrect last verified date. 3. Incorrect last payment date. 4. Incorrect closed date. 5. Incorrect account status. 6. Account number is not visible and complete. 7. The creditor name is abbreviated. 8. The supplier/creditor information is incorrect. 9. Late payment history is physically impossible. 10. Remarks shown of late payment information is impossible. These accounts need to be deleted from my credit file at once. 

I have attached copies of the most recent disputes I have sent to each agency, I have also attached their responses or lack thereof. Experian has continued to update comments with paid and closed while ignoring the late payment history errors. XXXX has completely ignored my dispute and has never responded to any dispute. XXXX has deleted all but one of the incorrect late payments and ironically left one showing 120 days late, with the month prior as showing current. I have attached screenshots of how they continue to report these accounts inconsistently and inaccurately. 

I would appreciate that this bureau actually enforces the FCRA in concern of this matter. The only resolution is deletion. I have spoken with the supplier on XX/XX/XXXX and they have assured me there are no late payments they are reporting to any reporting agency. Unfortunately since that phone conversation they are no longer servicing these accounts and havent since XX/XX/XXXX. Any response given by the agencies stating these accounts were verified in XX/XX/XXXX is a flat out lie.
Product: Debt collection

The collection agency has engaged in the following practices, which violate the federal Fair Debt Collection Practices Act : Repeat calls as harassment RoboCall They call seven times in a minute. 
Illegally Inform a Third Party About Your Alleged Debts repeatedly calling relatives, family and friends Collectors are not allowed to inform anyone about your debts. 
No verification of this debt. 

Pursuant to my rights under federal debt collection laws, please cease all collection activities you have taken or are considering taking. Also, had multiple XXXX  in the past years, so must avoid stress. I am retired and on low income. This includes high-pressure collection activity and lawsuits. I am requesting that you cease and desist communication with me, as well as my family and friends, concerning this and all other alleged debts you claim I owe.
Product: Debt collection

On XX/XX/2019 I receive a letter from Portfolio Recovery Associates, LLC alleging that I owe them a debt for {$6200.00}. I quickly responded on XX/XX/2019 with a dispute letter saying please provided proof that I owe ( PRA ) LLC any amount please show agreement that I owe. ( PRA ) LLC receive my letter on XX/XX/2019 I have enclose my dispute letters in the attachment below They have failed to validate debt that allege that I owe and show proof that they can collect in my state and show proof that I owe this debit. I sent out another dispute letter on XX/XX/2019 stating you must show proof of debit I owe and validate proof, they have failed to show proof and fail to respond to my letter. I have enclose tracking # in my dispute letter and dates that they have receive my letter.
Product: Payday loan, title loan, personal loan, or advance loan

Was approved for a loan towards dental work on my teeth however I explained to them I never got the work done? I sat down with an employee at the dentist and they asked me if I wanted to see how much I can qualify towards getting my root canal..I got the approval amount however I never ever got the work done on my teeth at all? I explained this as well disputed this credit report as it appears on my credit in which is causing my credit score to decrease.

Something has to be done Im being held for a amount when I never got my teeth worked on
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB + Equifax, On my XX/XX/XXXX credit report it shows I have a 30 day late payment on my car loan - this is inaccurate as I paid on time - and would like this fixed. 

Attached to this complaint are : - my drivers license - my social security card - my address- my written complaint - my XX/XX/XXXX credit report showing it currently says it was 30 days late on XX/XX/XXXX.
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 on how to remove the fraudulent items 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 items 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 are the list of items which 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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: Credit reporting

I initially filed a dispute in XXXX 2014 and subsequently in XXXX 2014. This company continues to defame my name. I sued them, however, there is a bankruptcy stay currently in place. I have been unable to keep a bank account open. The bankruptcy case # XXXX filed in XXXX District of Michigan was discharged today. You may call to verify at XXXX, however, this company continues to report that I owe money to the banks when that is not the case.
Product: Debt collection

I would like to file a complaint against a debt collection company named Brennan and Clark they call my company today and discuss my debt with one of my employees and was telling the employee that I'm going to be in a lot of trouble if I don't pay them. I have spoken with this same debt collector before and he will no discuss why i owe this amount only that i have to pay him and when i called him back he hangs up on me. the amount he is asking for is {$4600.00} which i don't think i owe .This company uses scare tactics and threats to try to force me to pay a debt with no explanation or detail 's. The name of the contact at Brennan and Clark the has been calling and disclosing this debt with my employees his name is XXXX XXXX  XXXX ext.XXXX I believe this is illegal and unfair business practices my contact info is XXXX or by email XXXX   please give me a call or email at your earliest convenience thank you.
Product: Debt collection

I received a missed call from phone number XXXX, when I called the number back a man answered saying " this is ( his name ). '' He would not identify himself further and started typing something. I asked if he represented a business of some sort and he would not answer. He did n't say anything else and told me to listen to my voicemail messages and call him back. When I listened to the messages there was only a man breathing into the phone. 
I called back asking if it was a joke, he got very aggressive in tone with me an would not answer who he worked for because he could n't find my phone number in his system. He then asked for my social security number and refused to identify themselves further. After prodding he finally told me he worked for " Coastal financial solutions '' an internet search reveals complaints that their employees are indeed aggressive and disrespectful, but they all seemed to identify themselves. 
I am concerned that someone is committing fraud as a false employee of the company looking for SSN 's or that I have an outstanding debt I am unaware of. I do not have any dings on my credit report so I am assuming the former. Please let me know if this was a legitimate phone number associated with your company or I 'll be reaching out to the FBI. Thank you.
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Employer - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Debt collection

My first & second mortgage were being modified after my bankruptcy. The same bank held both mortgages. During the modification the second mortgage was sold, but I was told by the bank that the first and second mortgages were combined into one new modified loan. I did not know the second mortgage was sold until month after the modification. When I was contacted by the collection agency regarding the second mortgage I sent a debt verification letter to the collection company, it was never addressed and I had no further correspondence with that collection agency. About two years  later I received a letter from another collection agency regarding the same loan. I again sent a debt verification letter. I received a letter from the collection agency stating it was under review, but still have not received any of the information I requested and am entitled to. Recently I have been thinking of selling my home and found out there is a lien on my home by the collection agency. When I called the collection agency they just transfer me from one person to another, they won't give me a direct answer, tell me they will have a supervisor call me back and they never do. Also, I have recently received statements from this agency and each time there is a different amount owed, sometimes higher and sometimes lower. It has been almost a year since I requested the collection agency to validate the " alleged '' debt with no satisfaction. 
NOTE : Both my first and second mortgages were listed on my bankruptcy which was granted to me.
Product: Payday loan, title loan, personal loan, or advance loan

Deceptive sales practices
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian, a consumer reporting agency, regarding violations of the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX standards. It has come to my attention that Experian has failed to maintain accurate, timely, and verifiable personal information in my credit profile, thereby compromising my rights as a consumer. 

Despite providing accurate and up-to-date personal information, I have discovered discrepancies within my credit profile maintained by Experian. Specifically, Experian has failed to comply with FCRA and XXXX XXXX standards by including addresses in their system that do not match my current address As mandated by federal law, consumer reporting agencies are required to maintain accurate and verifiable information in consumer credit reports. Failure to do so not only violates the FCRA but also undermines consumer trust and confidence in the credit reporting system. 

I demand that Experian take immediate action to rectify these inaccuracies by deleting any addresses in their system that do not match my current address. Additionally, I request that Experian provide me with written confirmation of the deletion of these inaccurate addresses from my credit profile. 

Furthermore, I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate enforcement action against Experian for their non-compliance with federal regulations. It is imperative that consumer reporting agencies uphold the highest standards of accuracy and integrity to ensure fair and transparent credit reporting practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today ( XXXX ) I was denied opening a checking account at XXXX Bank XXXX XXXX XXXX, the account XXXX told me to contact Equifax about the problem. 
I did it the right way, I wasn't able to receive proper information from Equifax about the problem, and why I was denied opening an account with XXXXXXXX XXXX because of their report. 
The Online report does not show any remarks or information about it. and the agent was not able to clarify the reason.
Product: Mortgage

On XXXX XXXX, 2015 Flagstar Bank initiated a process for us to prove we had homeowner 's insurance active or they would place forced insurance on our house. This information was provided in full on XXXX occasions, both XX/XX/2015 and XX/XX/2015 which included insurance coverage and the contact information of both our insurance agents. ( The coverage had moved to another carrier during this process. ) The coverage was by XXXX name brand insurance agents which are easily contacted via the numbers we provided. With no notice, only a notice of " shortage '' in our escrow account, did we discover that Flagstar had forced insurance coverage ignoring the documents we had uploaded via their own online system with automated replies stating they received the information. Any help would be appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received my reinvestigation back from Experian. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ). 

Because the list of accounts below are not accurate. The open date, date last active, and date of last payment is NOT 100 % accurate. 

Account name : XXXX XXXX XXXX Account Number : XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( I ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am contacting your company because TransUnion is reporting fraudulent information on my credit report that I want removed from my credit report at once because it does not belong to me and it is fraudulent. Here Is the information that needs to be removed XXXX XXXX XXXX Inquiry from XX/XX/2019 + Finance this information is not mine and was fraudulently added to my credit report and I want it removed at once. I have already contacted police in this matter because its been an ongoing issue because I am a victim of identity thief
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Equifax ( CRA ) have not efficiently complied with the regulations/laws of the Fair Credit Reporting Act in completing their investigation. The CRA are reporting inaccurate information for the account XXXX. I contacted the data furnisher and CRA requesting a complete payment history with this account for me to review. I wanted to see the exact date on which the charge-off posted. Unfortunately, there has been no successful resolution provided nor feedback heard from any of the 4 parties. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Please remove this account for not complying with FCRA reporting. 

XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00},. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Money transfer, virtual currency, or money service

I created an online account and supplied information including my bank information to avail of Pangea Money Transfers introductory exchange rate. I received several messages including a confirmation of my money transfer. A withdrawal was immediately taken from my bank account. 

However, I received another message after the confirmation earlier, asking for more information in order to complete the money transfer by calling their ( XXXX ) number. A recording said that their office is closed for the night. 

An email was sent this time, informing me that the money transfer has been canceled and the refund will take days to process back to my bank account. 

Please help.