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/year> ), 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 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 bogus addresses.

These are the accounts in my name that stems from the identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A copy of an FTC report listing the Accounts opened in my name is enclosed. My consumer FICO credit report now contains fake accounts as a result of this Identity Theft. A copy of your consumer FICO credit report, which includes the aforementioned bogus addresses. The aforementioned accounts as reported, are unfamiliar to me. The Accounts listed above is the product of fraud and identity theft. I've included a copy of the FTC Identity Theft Criminal Complaint # XXXX XXXX and A Police Report # XXXX XXXX XXXX as official documentation from the US Federal Trade Commission demonstrating that the Accounts listed above are all the product of fraud and identity theft.
Product: Credit reporting or other personal consumer reports

My personal information was sold without my authorization, resulting I in the improper reporting of debts by Kohn Law Firm and XXXX XXXX XXXX. Despite my repeated attempts to obtain proper validation of the debts in question from Kohn Law Firm, I have informed them multiple times of their violations of the law, including their failure to provide essential documentation such as proof of my agreement to the debts, evidence of their ownership of the debts when originally in collections, and proper licensing to collect debt in my state, as required under 15 USC 1692g Sec. 809 ( b ) of the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$48000.00} ; XXXX XXXX XXXX Balance : {$6300.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX  XXXX Balance : {$8400.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$6800.00} ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had inquired about an auto loan through XXXX XXXX XXXX XXXX to run a credit check however there are multiple other inquiries as listed 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
Product: Debt collection

Citi cards/XXXX  Dates XXXX XX/XX/year> Amounts : {$XXXX} Status : Account charged off But report negative on my credit report and I didn't authorized this account to be opened
Product: Credit card

I refinanced {$4300.00} of my transactions with chase to be paid over XXXX months, I had XXXX left as on XX/XX/XXXX, I paid XXXX $ on XX/XX/XXXX. On XX/XX/XXXX, I had a balance of around XXXX of which XXXX would be interest saving balance at the end of XXXX statement. 

Instead of using my payment to pay my interesting bearing balance, chase closed my refinanced pay over time plans and in my XXXX statement asking me to pay the full balance of XXXX with no line items for interest saving balance. since I had already paid the fees for converting my balance to installments this is unfair. 

I called them and on the call they said that my balance on XX/XX/XXXX was XXXX, I downloaded the raw XXXX from them and based on the XXXX my balance was XXXX. Clearly it is an error on their software.
Product: Debt collection

Experian is showing the same assumed debt on my credit report twice by XXXX and XXXX. This assumed debt is showing up as XXXX separate collections and has greatly impacted my credit score and credit profile. This same assumed debt is showing as XXXX separate derogatory marks and has caused my credit score to drop significantly.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of identity theft due to a recent data breach. As a result, unauthorized accounts have been added to my credit report without my consent. Under 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am requesting the immediate blocking and deletion of the following fraudulent account from my credit file : Fraudulent Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Hello, I signed up for a promotional offer when I made a purchase from lumbar liquidators. The financing company they had me go through was Synchrony Bank. I have had issues with this company from day one. After signing up for the credit card I called them less than a week later to setup automatic payments for the amount necessary in order to have my loan paid off within the promotional offer so I would have everything paid off interest free. First month goes by and they did not take out the automatic payment as I requested. I continue to call them for XXXX year while in the mean time making manual payments. Finally after about a year a representative finally got it handled for me, had the automatic payments going through and I didnt have to keep doing manual payments, yay! So fast forward another year ( present time ), I go to check my statement as everything should be paid off by now. Well guess what!!!? they set up automatic payments for the minimum of what their fees requires, and not the minimum for what it takes to get my card paid off within the promotional period!! That is not what I had been trying to get synchrony to setup for over a year and now they said I have to pay XXXX XXXX within XXXX days to complete the loan or they will be charging me XXXX XXXX in interest. Even though they were the ones who failed repeatedly to withdraw the correct amount, I now am stuck having to come up with {$2000.00} out of pocket with only XXXX days to do so. Avoid this company!! They do not care to correct their mistake in any way, and Im sure they have done this to other people in order to scam them for money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE ASKED EQUIFAX TO VALIDATE THE ERROR OF XXXX XXXX  REPORTING THAT I OWE XXXX XXXX XXXX {$2100.00}. EQUIFAX REFFUSES TO VALIDATE THE DEBT AND TO REMOVE THE ERRONEOUS DATA BEING REPORTED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to call Experian several times and no answer or I get voice mail. They are continues to report inaccurate information monthly on my credit card balances. On XX/XX/, the creditor XXXXXXXX XXXX or XXXX XXXX balance was XXXX instead of them reporting my account on the reporting date it was reported on the XXXX. I called the credit card company and was informed that they reported the correct amount which the amount reported caused my score to fall tremendously. 
This is an ongoing problem with Experian, also cards that has been paid off they continue to not update showing some have not been updated since XX/XX/. 
I tried to call and ask them to update my account per the closing date or report date by the credit card company and I never get a reply even by sending them certified mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX, XX/XX/XXXX i notice XXXX bankrupcy appears on my credit report with XXXX that i didn't notice until i credit my credit report so i contact the clerk of court .they stated it couldn't be verified. I constantly tried to dispute these items with XXXX but was unsuccessful, so i spoke to the supervisor XXXX XXXX from XXXX XXXX and they was aware of the situation delected off my credit report it was consider not file and unvertified. also XXXX is reporting hard inquiries, late payments which i never appears late. I need this matter to be resolved where i can get approve for credit anywhere it effective my life. So i am asking for help in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are reporting incorrectly that I am ( 90 ) days late on the XXXX account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance. Please keep in mind that it is impossible to be late on an account that has a balance of {$0.00}. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, 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 XXXX  Report Date : XX/XX/2023 Account Number XXXX 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 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

I got a debt collection on a credit card they i was paying on never was told they was close this credit card i never got a called or email
Product: Credit reporting, credit repair services, or other personal consumer reports

Incordance 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. XXXX XXXX XXXX XXXX {$2400.00}, Acct XXXX {$210.00}, Acct XXXX {$120.00}, Acct XXXX {$2800.00}, Acct XXXX {$2700.00}, Acct XXXX {$79.00} XXXX XXXX ( XXXX XXXX XXXX  ) Acct.- XXXX {$1100.00}, XXXX {$650.00}, XXXX {$390.00} XXXX XXXX XXXX {$47.00} XXXX = {$760.00} {$910.00}. 
these banks along with Chexsystems have cause for all banks to not allow me to open up a bank account with them because Chexsystems is wrongfully reporting inaccuracies and fraudulent information.I need these accounts removed from Chexsystems asap. 
they have 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 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 have unauthorized inquires on my Experian consumer report. I have contacted the creditors to get these fraudulent inquires removed but have had no success. I have also reached out to the credit bureau on multiple occasions by mail and phone to have these fraudulent inquires removed from my credit report. The unauthorized inquires are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I would like for the ONLINE INFORMATION SER to show proof of verification that I owe them {$630.00} with ACCOUNT # XXXX. As of date, you have not provided me with a XXXX for my review and my records. I am asking that you do this now. 

In addition, if you reported this alleged debt as a loss to the IRS, I request that you pull this account back from any collection agency you may have placed it with or from any debt buyer you may have sold this to. 

Please provide this within 30 days. Until this has been provided, I am requesting that any negative reporting to my credit by your company or any company trying to collect this debt be immediately stopped.
Product: Credit card or prepaid card

XX/XX/2018 I purchased a " XXXX XXXX XXXX XXXX '' from Amazon. If I get their credit card it would save me 5 %. I did get the card. Months later ( about 3 ) my cell phone rang and I almost didn't answer it because I get many Robo calls. It was a lady that said I was behind on my payment. My history for years has be XXXX and I was shocked about this. I said I never received a bill. I called the credit card company and they told me that signing up on line was an automatic email billing. My bills at this time was always by mail. The card company never contacted me by mail. And the phone attempts shouldn't be counted with all the phone issues now a days. I also spoke to somebody that informed me that too much time passed and nothing could be reversed. Okay, my credit score fell 100 points to XXXX and I still haven't reached 800+. For decades I've paid all my bills on time. I think these companies should be required to contact the person by mail before issuing delinquencies such as this. Now I've learned it may take 7 years for my credit rating to be restored. This just isn't right.
Product: Debt collection

I am filing an official complaint against ARS Account Resolution. They are not putting this collection back on my account, when they sent me written verification that the account was closed and they would remove it from my credit report. If it had not been for me checking my credit this morning I would not have known this. They are in violation of the FDCRA as I have asked them in the past to give me the written contract with my signature on this as well as a signed  HIPAA  Release form. If this account and all subsequent accounts from ARS Account resolutions are not removed from my credit report I will take legal action. If this company can not provide a signed contract, a signed  HIPAA  release form stating I gave this provider permission to share my medical information then I am asking they be investigated for violation of the FDCRA. I notified them in writing many times and they are now in violation.         Credit Items ARS ACCOUNT RESOLUTION  S Ad dress :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  No phone number available Account Number :  XXXX  Original Creditor :  XXXX   XXXX    XXXX   XXXX   XXXX  Address Identification Number :  XXXX  Status : Collection account.        Status Details : Th is account is scheduled to continue on record until  XXXX   XXXX .   This item was updated from our processing of your dispute in  XXXX   XXXX .       Date Opened :  XXXX  Reported Since :  XXXX  Date of Status :  XXXX  Last Reported :  XXXX  Type : Collection Terms : 1 Months Monthly Payment : {$0.00} Responsibility :  Individual Credit Limit/Original  Amount : {$580.00} High Balance : NA Recent Balance : {$580.00} Recent Payment : {$0.00} Payment History :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  ND  XXXX  ND  XXXX  ND  XXXX  ND  XXXX  ND  XXXX  ND  XXXX  ND  XXXX  ND  XXXX   XXXX   XXXX  ND  XXXX  ND  XXXX  ND  XXXX  ND  XXXX  ND  XXXX   XXXX  Account History : Collection as of  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  Your Statement : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ).
Product: Student loan

Yesterday, I received an initially alarming phone call from XXXX, stating : This is XXXX XXXX, we have received an order for 2 allegations to be filed against you immediately with the county clerk 's office. This department will be actively pursuing you at your place of employment and place of residence. You do have a legal right to ( unintelligible ) with the plaintiff outside of court. Please understand when you are located, you do forfeit that right. You can contact our legal department at XXXX. Refer to your case number XXXX You can reach us directly at XXXX or you may press O now to speak to a live agent. 
I had student loans, federal and private, which were paid off in the 20th Century. I had one loan for attending XXXX College, and another for attending XXXX School, both in NY.
Product: Student loan

The StudentAid.gov encouraged loan consolidation as a way to reduce the monthly payment. This information was bad and incorrect information. The best thing to do would have been a double consolidation loan which is a process that is currently allowed. This would have made my parent loans eligible for the SAVE program. This is a well known loophole that is currently allowed by the government but the loophole will be closed in XXXX. 

Everything I have read says that I can not unconsolidate my loans as they were completed on XX/XX/XXXX. I am upset that the guidance provided by studentaid.gov to consolidate my loan online was the worst advice. 

People who are not in-the-know are going to suffer and this means people who are in the most need for the SAVE program. Please help me to unconsolidate my loans so I can take advantage of the double consolidation loophole that is currently allowed.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer Financial Protection Bureau ( CFPB ) has recently filed a law suit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian inaction violates federal law and my rights as a consumer
Product: Credit reporting or other personal consumer reports

In accordance with Fair Credit Reporting Act. The XXXX of Inquiries below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told Experian, XXXX, and XXXX to reinvestigate These Inquiries : XXXX XXXX ( Finance ) : XXXX XXXX XXXX XXXX XXXXXXXX ( Bank ) : XX/XX/XXXXXXXX XXXX XXXX ( Bank ) : XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) : XX/XX/XXXX XXXX XXXX ( Finance ) : XX/XX/XXXX However, They stated that everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) They are supposed to modify Inquiries that are not reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe in the information is inaccurate. 

I as the consumer have a right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Names and addresses that are not mine and or 1stincorrect on Experian are as follows ; Names ;   XXXX   XXXX  - Never used this name ID #  XXXX    XXXX   XXXX  - Never used this name ID #   XXXX    Addresses ; *  XXXX   XXXX   XXXX    XXXX  Ca   XXXX   Multi family ID #  XXXX  *  XXXX   XXXX   XXXX     XXXX   Single family ID #   XXXX    *  XXXX   XXXX   XXXX   XXXX    XXXX  Ca  XXXX  Multi family ID #  XXXX  *  XXXX   XXXX   XXXX    XXXX  Il   XXXX   XXXX   Single family ID #   XXXX   1  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX  Il .  XXXX  single family ID #  XXXX
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year>, I mailed a CLEARLY MARKED ( see attached ) check to Goodleap in XXXX Oregon from XXXX XXXX for a {$120.00} extra principle payment. 

Our account is current and on autopay from our bank. 

They cashed my check drawn on XXXX on XX/XX/year>, BUT NEVER POSTED IT. 

Since that time, I have emailed customer complaint address XXXX  times, called twice to find out why they didn't apply my payment to the account. I sent copies of the check and the bank information. They HAVE all of our information. 

Today is XX/XX/year>. I've attached a screen shot of my account. They can not tell me where my payment went. It has not been credited to my account.
Product: Credit reporting or other personal consumer reports

My Information was sold and bought illegally because I was a victim of the XXXX Data Breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted I was in fact a victim of this Data Breach and XXXX has done nothing. 
Please Help me delete these illegal accounts from my credit reports. 
I appreciate it. Thank You