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

I am making this complaint because Experian has violated my consumer rights. and i need the laws and rules to be enforced I am the victim identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct or delete these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score went down over XXXX points in less than XXXX weeks because I closed my Discover Card. I think the people at Discover sent a negative report as a means of hurting my score. I had to close the account in order lower my debt on my XXXX XXXX and filed a complaint on Discover service team for harassing me to keep my account open with them. They take forever to contact on the phone. Ive spent years building my credit and spent thousands with my cards and do not deserve to be punished like this.
Product: Credit reporting or other personal consumer reports

I have submitted an FTC report concerning these 5 fraudulent accounts to be deleted from my credit files with multiple agencies! You will find a attached PDF file containing these accounts which needs to be deleted
Product: Debt collection

On XX/XX/year>2024, I received an email stating that one of my XXXX XXXX  accounts had a negative balance of over {$7200.00}. I called XXXX XXXX  and found out that all of my accounts with them were frozen due to a legal hold. The only information I received was that it was done by XXXX XXXX, XXXX. 

XXXX XXXX had previously frozen my XXXX XXXX XXXX accounts ( and those of my daughters! ) in XXXX of 2024, but the holds were released because I was receiving child support. Through some research I had discovered that the XXXX XXXX XXXX XXXX XXXX XXXX was handling the debt collection for XXXX XXXX. After trying for a long time to reach someone there by phone, I was finally able to speak someone, XXXX XXXX XXXX XXXX XXXX I was never sent any documentation regarding what debt they were trying to collect or that they had the authority to collect on that debt. Shortly thereafter, the holds on my XXXX XXXX XXXX accounts were released because I was receiving child support. 

On XX/XX/scrub> 2024, I again emailed XXXX XXXX XXXX XXXX and informed her that I was unemployed and had moved from XXXX to XXXX. She requested proof that I had moved out of XXXX, and I was finally able to send that proof to her today, XX/XX/scrub>, 2024. I had previously asked for proof that I owed the debt and that they had the authority to collect on it, but I was never given any of that information. I believe that my accounts should be restored with the balances that were in my accounts prior to the accounts being frozen.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and Experian are ignoring my requests to investigate, verify and remove accounts from my credit report that were opened fraudulently.
Product: Mortgage

This servicer has many improprieties in the handling of the escrow/impound account of my property taxes and insurance premiums. Additionally, they are conducting escrow analysis more than once a year and radically changing my payments due to errors in their ability to divide by four. They are currently trying to collect for an insurance premium for the whole building as if it were the premium for each unit. ( There are four loans because each unit has its own parcel number. ) Additionally, in flagrant disregard for Fair Debt Collection practices, they call without identifying that they are a debt collecting and are attempting to collect a debt. They also do not reveal they are recording their calls. ( Seems unlikely that they are not. ). I continue to send them the payments I made the first 9 months of this year of the loan. Today they called and I said I had mailed the payments and rather than thanking me and making a note that I had made the payments, they began to argue and harass me that there was no evidence of payment on their end. 

This is the third mortgage servicer that violates federal law and they don't care anymore than XXXX aka XXXX XXXX who has also been sued over and over. When is this goisng to stop?
Product: Credit card or prepaid card

This dispute should have been resolved within a month but has been still been pending for last two months and Citi bank is trying to resolve it with XXXX XXXX
Product: Credit card or prepaid card

I Had a credit card Flexperks US bank card XXXX had been up to date with all payments .Suddenly for no obvious reason the US bank canceled my credit card as far as I am aware I had paid all arrears till then, After a few months they reported there was a XXXX dollar balance on the card and started charging interest which accumulated to XXXX dollars ( including capital ) .They also appear to have reported me to credit agencies tarnishing my hitherto clean record.Though I disputed this unilateral and arrogant actions of this bank they claim they are allowed to take such actions without any reason.More than the money it is the smearing of my name and credit history which is surprising considering I was an excellent customer
Product: Debt collection

Recently, I've grown an interest in monitoring my credit. I am XXXX years old and I and my family are ready to purchase a home. 
As I've gone through the accounts and collections displayed on my credit I've noticed unusual activity and an ample amount of accounts that do not belong to me. 

I've made several attempts to call the dept collectors and explained my situation to all of them, however these accounts still appear on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting incorrectly that I am 120 days past due on the XXXX/XXXX partial account number XXXX. ( Please see page 11 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to XXXX. This incorrect reporting is harming my credit scores. Keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit inquiries thats currently listed on my XXXX XXXX, XXXX, and Equifax credit report are fraudulent, unauthorized, and not my credit inquiries : XXXX XXXX, XX/XX/XXXX, XXXX XXXX Bank, XXXX. XXXX, XX/XX/XXXX, XXXX XXXX Bank, XXXX. XXXX, XX/XX/XXXX, and XXXX XXXX Bank, XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have been experiencing attacks on my life, cyber crimes and consistent hacking for twenty plus years secondary to criminals trying to steal land which has been in my family since the XXXX. 

They want the land and minerals on my land. 

I cant get employment because I cant fill out applications on line. They hack everything. Landline and cell phones are monitored. I am tracked wherever I go. 

This criminal activity has been brutal. The constant attack is so brutal and vicious that I should be XXXX  including XXXX! 

My excellent credit scores have been decimated because I cant pay my bills. Wherever I live, these folk are trying to XXXX XXXX!!!!!! The local , county and state police have been contacted. The FBI has been contacted and an investigation has been started. 

What can you all do to protect consumers when due to no fault of their own, their credit is ruined secondary by criminal activity.
Product: Debt collection

They threatened to have my license suspended and told me they were an attorney with a law firm. They threatened and coarse me to give them a credit card number.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX 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 XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Student loan

I am not even the debt holder nor am I consigned so any loan. Not really sure why they decided to pull my name out from a family relation, but I have been receiving calls and emails about a student loan debt that isn't mine nor have I cosigned on said loan. I find this all to be pretty harassing and interrupting my daily life as a caretaker to my small children. When I answered one of the call thinking it was my child 's doctor, it was instead a navient employee that laughed at me when I said I had nothing to do with said debt and that I thought it was illegal how she was calling me. Then I attempted to complain directly to navient via their phone system and got told no one could take my call and to leave a message? I am very over navient 's bizarre harassing tactics.
Product: Credit reporting or other personal consumer reports

Subject : Immediate Removal of Inaccurate Inquiries from My Credit Report To Whom it may concern I hope this message finds you well. I am writing to bring to your attention several unauthorized inquiries that have appeared on my credit report. Upon careful review, it is evident that these inquiries are inaccurate and were not authorized by me. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am formally requesting the prompt removal of the following inquiries from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries have negatively impacted my credit profile, and since they were not authorized by me, they must be removed immediately to reflect the accurate status of my credit. Kindly investigate these matters thoroughly and remove the inquiries that are not properly validated within the legally allowed timeframe. 

Please confirm receipt of this request and provide a written response acknowledging the removal of these inquiries or any additional steps required to resolve this matter. 

Thank you for your prompt attention to this important issue. 

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

Equifax security breach. Will not allow site action, e-mail or phone response. No way to contact! All systems will not complete request for new freeze a family member or allow access to see if effect by breach. Equifax needs to be shut down by government action immediately to prevent any credit actions on all accounts, thus preventing any one getting ID stolen!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX  XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$210.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; US DEPT ED XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance XXXX {$0.00} ; US DEPT ED XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$360.00} ; US DEPT ED XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXX XXXXBalance : {$270.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XX/XX/XXXX
Product: Credit card

I booked a vacation through XXXX. I had to cancel due to my sister in law being put on life support. I canceled the vacation package from XXXX and my hotel was refunded but not my flight. XXXX stated that I would receive a flight credit. I never received a credit for my flight from XXXX nor the third party airline - XXXX. When I finally got fed up and called both companies I was given the run around. XXXX decided to take away {$270.00} dollar of my flight credit leaving me with {$430.00} dollars. They also charged me {$700.00} for the flight despite me having a receipt showing that the cost of the flight was {$680.00}. I alerted Citi Cards of this matter and they charged me the {$700.00} despite my receipt transaction being {$680.00}. They then said that they could not do anything about my flight credit because I never received any communication, in writing from XXXX. Instead I had to call about my flight credit. This battle involving XXXX and XXXX exceeded my XXXX grade period I had to use the flight therefore all of my flight voucher was forfeited due to the slow process at Citi. Citi has left me, the consumer, with no support in this fraudulent charge for the flight nor any support in {$270.00} being taken away from my flight credit despite what penalties are posted on XXXX.
Product: Credit reporting or other personal consumer reports

The account was opened XX/XX/XXXX and closed XX/XX/XXXX. Thats inaccurate because it says last payment date was XX/XX/XXXX. Than my status was update XXXX as a charge off. This inaccurate information falsely manipulates my credit worthiness and hurting my ability to obtain credit. XXXX failed to investigate this account properly after repeatedly asked to have this account updated. Your neglect has once again violated my consumer rights. Im demanding a deletion of the following account banks off XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

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

I did not authorize any of these inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Date : XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Regarding Identity Theft Due to Data Breach Dear CFPB, I am writing to formally file a complaint regarding identity theft that I experienced as a result of a recent data breach. This incident has caused significant harm to my personal, financial, and emotional well-being. Details of the Incident : Name of Company/Organization Responsible for Breach : XXXX XXXX, XX/XX/XXXXXXXX XXXX XXXX and Equifax ETC Date of Data Breach : XXXX Type of Information Compromised : [ e.g., Social Security Number, financial account information, drivers license, etc. ] Description of Identity Theft : Since the breach, I have discovered that my personal information has been used without my consent. Specifically : XX/XX/XXXX XX/XX/XXXX,XX/XX/XXXXXXXX, XX/XX/XXXX, XXXXXX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX and XXXX XXXX I have taken the following steps to address this issue : Reported the identity theft to the Federal Trade Commission ( FTC ) and obtained an Identity Theft Report. Contacted the companies involved to dispute fraudulent accounts and charges. Placed fraud alerts and credit freezes with the three major credit reporting agencies ( Equifax, XXXX, and XXXX ). Impact : These fraudulent activities have negatively impacted my credit score and caused considerable distress. Additionally, I have incurred financial losses and spent significant time resolving these issues. Request for Assistance : I request that the CFPB take the following actions : 1. Investigate this matter to ensure that the responsible organization is held accountable for the breach. 2. Assist in ensuring that the fraudulent activities are resolved, and my credit report is corrected. 3. Advise me on any additional steps I should take to protect my identity and financial well-being. Enclosed are copies of the following documents to support my claim : Police report ( if filed ) FTC Identity Theft Report Thank you for your time and attention to this urgent matter. Please feel free to contact me at [ XXXX ] or [ XXXX ] if you require additional information or documentation. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis is reporting incomplete information about an auto accident, which has caused a 45 % PERCENT increase in my auto insurance rates. I would like the record corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still accounts to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

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

Kindly ensure the unauthorized accounts are blocked and removed from my credit report promptly. I did not authorize or open these accounts and have no knowledge of their origin. Under USC 1681g, I formally request their removal within 15 days. I have included all relevant documents for your review and reference
Product: Bank account or service

I am the beneficiary of my deceased brother 's ROTH IRA at Bank of America, which consists of XXXX CD 's. I worked with an individual on the phone in the IRA department XX/XX/XXXX, to set up the distribution of funds to coincide with the CD maturity dates in XX/XX/XXXX, which were all within the 5 year period required by the Federal govt. However, after the first anniversary of the beneficiary IRA account, B of A sent a check for about XXXX of the IRA. After I called to complain on XX/XX/XXXX, they stopped payment on that large check and said they must do a minimum distribution. So they sent a check for {$1900.00}. I talked to a supervisor, XXXX XXXX on XX/XX/XXXX and he said it is the bank 's policy to to make a minimum distribution. However, this minimum distribution was not stated on the form I was asked to fill out when setting up the distribution, nor did the man who helped me set up the distribution mention anything about this. I have asked supervisor XXXX XXXX to send me consumer information detailing this policy of minimum distribution. He said he would look and see if anything was available. In the time between now and XX/XX/XXXX, I will lose over {$700.00} in interest due to the early distribution of funds, since there are no CD 's currently available that will pay the interest I am currently receiving in the IRA CD 's. The Federal government says that I can leave the money in the account as long as it is all withdrawn within 5 years. This interpretation of Federal law was confirmed by XXXX XXXX ( XX/XX/XXXX ) and also XXXX XXXX ( XX/XX/XXXX ), 2 Bank of America IRA help desk employees. Yet Bank of America policy is above the law and requires a minimal distribution, without prior notification to the customer. This is wrong. They appear to be trying to get out from paying the better interest rate.
Product: Credit card

FNBO advertised a credit card promotion to earn {$200.00} bonus cash back when opening a new card and spending {$3000.00} within 3 billing cycles, in addition to 2 % cashback on all purchases. I signed up for this card based on the offer, I was approved, and I spent the required {$3000.00}. I paid my bill in full, and then went to withdraw the XXXX points I had earned, which is worth {$260.00} ( the {$200.00} bonus and the 2 % of the {$3000.00} = {$60.00} earned ). Their rewards system wouldn't allow me to withdraw my earned cashback. 
I called FNBO several times, most recently on XX/XX/2023 attempting to get my earned cash back rewards. Nobody I spoke with could provide a way to get me my rewards, as their " High Risk Department '' had put my account on hold. This department demanded I submit a notarized copy of my signed social security card, government issued photo ID, copy of a full recent tax return, and a copy of my business tax return. 
I refused to submit this highly personal information, and requested they issue a credit on my account or mail me a check for my rewards balance. They said the rewards department had to handle that. I called the rewards department who informed me they can't issue rewards while the " High Risk Department '' has my account on hold. 
I demand a check for the {$260.00} in earned rewards to resolve this matter.
Product: Debt collection

I disputed Portfolio Recovery Associates, LLC account on all 3 of my credit reports in XX/XX/XXXX. I received a letter dated XX/XX/XXXX, which did not validate the alleged debt. ( Letter enclosed ) I sent another request for validation by certified mail on XX/XX/XXXX. Prior to XX/XX/XXXX, I did not receive a dunning letter as required by law. I was not given notice before/after of negative information being reported to all 3 credit bureaus.