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

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX/XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX/XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX, XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Vehicle loan or lease

DISPUTED THIS DEBT NUMEROUS TIMES PER : Title IV of the Consumer Credit Protection Act. Section 401.
Product: Credit reporting or other personal consumer reports

there are unauthorized credit inquiries that is reporting to my credit. I ask that you please remove or delete the inquiries from my report in the following names below XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year>
Product: Credit card or prepaid card

Crypto.com customer support has failed to submit a fraud claim on a prepaid debit card issued by them and is treating me like suspect instead of a customer based on false assumptions. The company staff has also froze my funds the the card. they are failing to abide by XXXX card regulation and consumer protection laws. The are withholding money from me and are making excuses not to begin processing a claim on any charges regardless of reason.
Product: Credit card or prepaid card

Was advised on XX/XX/19 that a higher up in executive management over the managers of escalation analysts would give me a call on XX/XX/19, in which I did not receive a call on XX/XX/19. I was called on XX/XX/19, missed the call and was not left a voice mail. On XX/XX/19, an escalations analyst called me when this was not the request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint to update this suspicious information. Equifax and XXXX Credit Bureaus must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. XXXX XXXX XXXXBalance Owed : {$15000.00}.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX : XXXX XXXXXX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX : XXXX XXXX XX/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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Debt collection

Debt collection was placed on my credit report on XX/XX/XXXX for {$660.00}. I do not owe said collection for a XXXX bill from XXXX as it was paid in full. I disputed with XXXX and XXXX. This company is a junk debt buyer and should be shut down as they are not good for consumers or legal debt collectors.
Product: Checking or savings account

On XX/XX/2018 I opened a checking account and a savings account with Citibank at one of their branch offices on XXXX XXXX XXXX XXXX with the help of XXXX XXXX to take up their {$400.00} bonus offer at time if I make at least the minimum deposit and keep the minimum combined balance for 60 days. I was told by XXXX that I am eligible for the offer. 

I made the required deposit of {$15000.00} to the checking account and {$500.00} to the savings account on XX/XX/2018. I left the money sitting untouched in both accounts for the next XXXX consecutive months. 

The {$400.00} bonus never came and still not received. I started making numerous inquiries to Citibank through their branch and spoke to its manager XXXX XXXX and the original office XXXX XXXX. I also tried their online Live Chat and spoke to several representatives. They keep telling me that they're still 'investigating ' even though all of them confirmed that I have satisfied all the requirements for the bonus. I kept getting the runaround and still haven't gotten any resolution. 

Today, XX/XX/2018, both of my accounts were mysteriously 'unlinked ' and I can no longer access any of the accounts. I never unlinked them or authorized Citibank to close them. I reached out to the branch manager XXXX XXXX, and she has no idea why. I feel misled and duped. The whole thing feels like a fraud and it is outrageous.
Product: Checking or savings account

I took a {$1000.00} transaction on square and when I tried to submit it for refund, they canceled it. Once they canceled it, they said it was stuck in a ledger and they cant get it released. This was two weeks ago. Ive had to pay this money out of pocket, Im starving now. I call every day, they laugh. They act like they cant understand me, they treat me like Ima customer and not someone that has been robbed of XXXX dollars and peace of mind.
Product: Debt collection

I have had a $ XXXX loan with goodleap and they were partners with XXXX XXXX XXXX since XXXX XXXX XXXX XXXX XXXX went bankrupt in XXXX XXXX XXXX have been trying to get my solar power system working for over a year and now since XXXX XXXX XXXX went bankrupt I can't get it fixed. However goodleap is still wanting the loan payment even though the system is not working. XXXX XXXX XXXX XXXX never had me fill out paperwork for the loan but they secured the money for me. I have tried to contact goodleap and they will not return my calls. I now have 35 panel system that is not working and is just sitting on my roof with nobody able or nobody that even wants to work on them because of the craftsmanship of the installation from XXXX XXXX XXXX XXXX I am not only paying for the loan but also still paying for my full electric bill that was supposed to be next to nothing because of how much I would be producing in solar power. I am not the only one that this has happened to. There are people from 9 or 10 states that all are dealing with the same issue. I just want out of this loan and the system taken off the house and my roof fixed and for everyone dealing with the XXXX that we thought we were doing to help us and the environment by going solar.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX  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: Mortgage

Went on a covid forbearance for a few months, which resulted in Carrington Mortgage readjusting my loan, and raising my interest rate from 2.375 to 7.125 and resulting in a XXXX lien against my home. If I would have known this I would have just paid the overdue amount. They restructured my loan without explaining to me what was happening, they just made it seem that if I didn't sign the paperwork I would lose my home.
Product: Debt collection

I am a Federally Protected Consumer. I checked my credit report and noticed a debt collector Jared-The Galleria of Jewelry has attempted to collect on an alleged debt and has placed it on my credit report as charged off and has forwarded my personal information such as number, address to XXXX XXXX XXXX. Jared-The Galleria of Jewelry has invaded my right to privacy. I mailed Jared-The Galleria of Jewelry a debt validation letter and was sent a letter stating I needed to send them additional information. 
However, XXXX XXXX XXXX provided me with Jared-The Galleria of Jewelry billing statements that were sent to them on an alleged debt. Pursuant 15 USC 1692c ( b ) I never gave Jared-The Galleria of Jewelry written or oral permission to have my personal information and to forward it to another debt collector to collect on an alleged debt. Pursuant 15 USC 1692b ( 2 ) Jared-The Galleria of Jewelry can not state that such consumer owes any debt ; Jared-The Galleria of Jewelry has forwarded billing statements to XXXX XXXX XXXX to collect on an alleged debt. Jared-The Galleria of Jewelry also forwarded an account summary from the " original creditor '' Sterling Jewelry. According to 15 USC 1602 ( g ) I am the original creditor. Jared-The Galleria of Jewelry and Sterling Jewelry and XXXX XXXX XXXX can not create, extend, or give credit. Please the attached.
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. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of Education XXXX XXXX Dept of Education Nelnet XXXX US Dept of Education XXXX I have reviewed my Equifax credit report on XX/XX/year>XXXX  and have noticed some things that are inaccurate or incomplete. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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.

15 U.S.C. 1681B ( 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, credit repair services, or other personal consumer reports

I contacted US bank as they are not reporting I made a payment on card ending in XXXX in XXXX of 2020 to XXXX and XXXX They told me to send a letter, which I did. They sent a letter back saying they investigated and everything is accurate. They included a phone number in the letter to call, and when I call they say they can't do anything about it.
Product: Credit reporting or other personal consumer reports

I checked my credit report, and I saw a bunch of information that doesn't belong to me, from personal information, unauthorized inquiries, and account debts with several creditors and lenders that I don't recall having transactions with. I reached out to XXXX, Equifax, and XXXX to dispute the inaccurate information, and it appears that they don't take my dispute seriously as I haven't received any feedback from them and it's been more than days already since I sent them a letter to conduct an investigation.
Product: Checking or savings account

They closed my account for no reason at all after taking money out the atm. I tried to transfer money to my girlfriend and it was locked again this time I was told my account was closed. I have bills and can not wait 30-60 days or I will be evicted from my home
Product: Credit reporting or other personal consumer reports

Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 revolving account at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

In 2005 I refinanced my house. At the time of refinancing Wells Fargo had my mortgage. Now that rates are so much lower than they were in 2005, I am refinancing again IN HOPES of getting a better rate. When the attorney was doing the title work they discovered that Wells Fargo DID NOT release my mortgage to the company I refinanced to when I left them in 2005. I have called the numbers listed on their website numerous times but because I don't have an account number with them, they can't help me. I offered them my SS #, birthday, etc. but was told that they can't " search for it that way. '' CLEARLY, I don't have an account number nor a loan number because I left them in 2005. Last Thursday, another worker gave me a fax number and instructed me to send a written correspondence to see if that department would check their archived records ( evidently info from 2005 isn't in their computer database ). I called Wells Fargo back today ( one week  later ) and they have no record of any correspondence made by me. I have a fax receipt that my fax was indeed sent last week. 

I need help resolving this because if too many more days pass, my " better interest rate '' will go up and I will have to pay fees. Please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

Today I checked my credit report via XXXX. The first report was from TransUnion. 

There was a link to view your score which I clicked. I then created an account with TU and input payment information. This signed me up for a {$19.00} per month credit monitoring service with TU. 

The problem is that the cost or term of the service was never displayed on the screen. That is a deceptive practice that should not be allowed. 

I was able to cancel the service and get a refund for the {$19.00}, so that's okay. The fact that TU was willing to cancel and refund implies they recognize the deceptiveness of their process. 

Granted, I willingly input my payment information, but I assumed I would see at least a dollar amount of anything I was purchasing before the sale was completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding existing disputes filed with CFPB : # XXXX - Equifax # XXXX - XXXX  Both companies have suggested I contact them via their toll-free numbers. 
This is a joke. 

I have searched the internet for any number that will allow me to speak to a person. I only get an automated voice that verifies my identity XXXX times and wants to help me, by stating " is this a general question about credit, if yes, press 1 '' if you do they give you a list of items that have nothing to do with your issue. If you do not choose one, they end the call. If you do, you answer no to the questions and say representative, over and over, it says " I can only connect you with a representative under certain specific circumstances '' then back to zero, start again. 

My files on this fraudulent bankruptcy include deletions from XXXX the third-party provider of information to the CRAs on Public Records , a statement from the Bankruptcy Court that they do not verify anything to the CRAs, and that I should look at the information on credit repair contained in the FCRA. 

My file is over XXXX pages, including a recent letter from Equifax to verify my identity! 
They have received copies of my license, ss card, leases, etc. dozens of times. If they can not identify me, why are they publishing damaging fraudulent credit information? Especially since this all occurred from their data breach which the settlement administrator is preparing to pay me the maximin cash amount of a paltry {$20000.00}, which I feel I should decline and am inclined to allow my law firm to open a class action suit on the class action suit and settlement, but that would hurt many people who have already paid over and over. Then I said, " why not let the CFPB help me, as they have many times before, and they are getting a significant amount of money from the Equifax breach. '' So here is my complaint. 
I want a phone number where I can reach a human at Equifax and XXXX and I would like to know how I can opt out, as I have done with XXXX XXXX, permanently from the CRAs, I do not need them. 
Thank you XXXX XXXX Oh, I am vision impaired, making it a chore, one I gladly do, to read the pointless letters I receive from the CRAs.
Product: Debt collection

I havent work since XX/XX/2017. I was recently awarded XXXX but still unable to pay the medical bills that are due because of my illness. The money that I receive every month all go on medication because I loss my job in 2017 due to my medical history. With all the medical bill that I owe, I still cant pay and because of that it 9s messing up my credit. I have insurance for 6 months which end in XXXX, but every visit I have with my doctors they are not paying anything on my medical bills. So, after all my medication and my visit at the mental clinic takes up the money that I get monthly. I am will to pay each medical bill that I owe {$50.00} dollars a piece to take it off my credit report. It is messing up my credit big time. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to the 15 USC 1681i ( 5 ) The credit bureaus said everything was complete and accurate but the reporting dates are wrong each account has been closed due to fraud. 

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 # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX CLOSED XXXX XXXX ACT # XXXX OPEN XX/XX/XXXX CLOSED XXXX XXXXXXXX XXXX XXXXXXXX # XXXX OPEN XX/XX/XXXX CLOSED XXXX XXXXXXXX XXXX XXXXXXXX # XXXX OPEN XX/XX/XXXX CLOSED XXXXXXXX XXXX  ACT # XXXX OPEN XX/XX/XXXX CLOSED BY COURT ORDER SETTLMENT 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 16 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.

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 conviction 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed remarks stating payment was late for XX/XX/XXXX and it now shows late as of XX/XX/XXXX which is still incorrect. I HAVE NEVER HAD A LATE PAYMENT ON THIS ACCOUNT. Since XX/XX/XXXX ALL payments have been made on time please update all months to current, on time, never late. Greatly appreciated
Product: Credit reporting, credit repair services, or other personal consumer reports

As I investigated my credit report, I found out that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), kindly investigate this unverifiable account : XXXX XXXX XXXX XXXX Balance : $ XXXXI requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.