23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I've not had access to my current bank account in months and someone has been robbing my account blind. Not only has it been my current bank account but also XXXX  XXXX XXXX, XXXX. They have also been creating several XXXX XXXX  ( which I've never used. ), XXXX XXXX XXXX XXXX  Applied for credit cards. This girl name XXXX XXXX. It started when I moved from XXXX Arkansas and she had already stolen my phone my wallet then started changing all of my banking account information and stealing my funds. She also sent text messages stating that she had done it and bragging about how she was going to get away with it. The current bank account she got XXXX from it. I'm not sure on the times and dates because when I was finally able to get into the account current had already closed the account down because of potential fraud. I've tried to file several disputes with them and have gotten no where. How could I have done the charges I was reporting specially without the card or even a phone to do so. With the XXXX  XXXX XXXX account she's gotten XXXX from it. The XXXX is up in the thousands as well And none of the banks listed above so far the only bank account which is a prepaid XXXX  XXXX XXXX account that has been any kind if understanding people. Current and XXXX have been extremely rude and ridiculous and uncalled for. I just want my money back that the girl has stolen and is continuing to do so. Today is my last day with phone service. I was evicted from our home and I'm a single mother of XXXX with no help at all whatsoever. With that being said all of the above claims to be secure but XXXX forsure isn't. If they were how do I in my XXXX inbox on the app not via email but on my message center in the app have a message for a XXXX XXXX his dispute case number and his outcome which is just flat out wrong. How many times did they send my information out to other people? Current just flat out doesn't give a XXXX. I've tried to file a police report on all of the above but without my id I've not been able to do so. I am willing to cooperate to full extent and do everything I can to help. I just want my life before this girl back because she still is continuing steal my everything but most importantly my childrens everything and I'm not her only victim either.
Product: Credit reporting or other personal consumer reports

My personal and financial information was compromised without my authorization. The XXXX XXXX Rights and Privacy Act ( XXXX ) protects the confidentiality of student records. This breach is a clear violation of XXXX and your responsibility to safeguard my information. Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full. he also violated the Privacy act of 1974 and higher education act which governs student loan privacy.
Product: Credit reporting or other personal consumer reports

I have attempted to contact all 3 credit bureaus in regards to the following accounts : The account associated with the name DOE XXXX and displayed account number XXXX and DOE XXXX XXXX XXXX and DOE XXXX - XXXXon my report lacks sufficient evidence to establish its accuracy, completeness, and compliance with certifiable reporting standards. It is crucial to acknowledge that XXXX ( Credit Reporting Agency ) has either suggested or explicitly stated that any deviation from the law or established industry standards renders a claim deficient, necessitating the removal of such claims from reporting until their lawful compliance with all reporting requirements is substantiated. This course of action shall be implemented regardless of any potential misapplication, willful ignorance, or reckless negligence on your part concerning your reporting practices and claims. Therefore, it is essential to take note of any deviations, including but not limited to the following issues, as valid grounds for the appropriate removal of the claim 's reportability.

also my accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX of months reported are reporting incorrectly - Your actions are in violation of FCRA Laws and XXXX  Standards. I insist that you remove this erroneous information.

I was told that my information seemed ad fraud when I sent in 3 forms of iD, my Drivers License, W2 for proof of address and my social Security card
Product: Mortgage

I have been working on a loan modification with Select Portfolio Servicing for almost two years without progress. They keep asking for repetitive information and documentation, and I always comply. When I provide the information, they say everything is set, then they tell me I need to give more information. I have had to explain the same things over and over and over again. I don't see an end in sight, and now they won't let me make my mortgage payments! I believe they want to force me into foreclosure.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

" " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. '' ''
Product: Bank account or service

I had someone taking money out of my acct without my knowledge, from Amazon. No one tried to help me in my account. Someone kept going in my acct & Chase bank never offered to protect my acct. Chase refunded my acct each time Amazon fraudulently took out XXXX. But I had XXXX on XXXX & I look in my acct & chase bank takes back XXXX out my acct & now I am negative ... no one at the bank offered to help me!
Product: Credit reporting or other personal consumer reports

In XXXX an unauthorized account by the name of XXXX was being reported on my consumer profile. In XXXX XXXX charged the account off and sold the debt, a 1099-C was never issued pursuant to 431 IRS Rule. I disputed this account in XXXX with XXXX and Transunion, unfortunately it was not resolved. Due to this account being fraudulent there is severe misreporting. Transunion is reporting a high balance amount while XXXX reports XXXX as a high balance. The open dates for the account are very different ; Transunion is reporting an open date of XXXX and XXXX is XXXX XX/XX/XXXX. Lastly, Transunion says this account is a " Variety Store '' while XXXX says it's a " Credit Card ''. This account needs to be removed immediately, it's placement on my consumer report has caused grave damages.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : 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
Product: Credit reporting

The latest Activity date of XX/XX/XXXX which Equifax and XXXX are both reporting is Incorrect. The correct Activity date IS XX/XX/XXXX. The last Activity date for XXXX XXXX XXXX collection agency should reflect is XX/XX/XXXX. Not XX/XX/XXXX. I have disputed this several times by phone and XXXX to no avail. This is detramental to my credit and needs to be rectified.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The item I need deleted is listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX and XXXX XXXX showing on my credit report. I therefore request that you immediately remove these accounts from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete these items as soon as possible. XXXX XXXX Date Opened : XX/XX/2013 Balance : {$25000.00}, XXXX XXXXXXXX XXXX Date Opened : XX/XX/2013 Balance : {$14000.00}
Product: Credit reporting or other personal consumer reports

Consumer name : XXXX XXXX XXXX consumer dob : XX/XX/XXXX consumer ss # XXXX This cfpb complaint has been filed to request pursuant to fcra 605b ( 15usc1681 c-2 ) that you, the equifax credit reporting agency , block information appearing on my consumer credit report that is the result of idenity theft and fraud within 4 business days of you receiving this complaint.This fraudulent, inaccurate and false information consist of the following accounts # XXXX cbnk acount # XXXX opened XX/XX/XXXX balance $ XXXX acount # XXXX opened XX/XX/XXXX balance {$63.00} # XXXX pm acount # XXXX opened XX/XX/XXXX balance {$15000.00} # XXXX XXXX account # iqdonxxxxxxxxxx balance {$5500.00} opened XX/XX/XXXX # XXXX XXXX account # XXXX balance {$33.00} opened XX/XX/XXXX and the following inquires # XXXX XXXX XX/XX/XXXX # XXXX XXXX XX/XX/XXXX # XXXX XX/XX/XXXX # XXXX XX/XX/XXXX # XXXX XX/XX/XXXX # XXXX. XXXX XX/XX/XXXX these accounts and inquires have resulted in several fraudulant hard inquires and collections/chargeoffs appearing on my consumer credit report.ive attached a list of the hard inquiries and a list of the collections/charge offs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.all of the aforementioned accounts and hard inquiries are the result of idenity theft and fraud.i have attached a copy of the FTC theft criminal complaint XXXX XXXX as proof from the federal trade commission that all the aforementioned consumer credit accounts, collections, charge off and hard inquiries are the result of idenity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern This is in regards to XXXX the who will be known as the " original creditor ''. These accounts a riddled with error and mistakes. Keep in mind that these account come from the same original creditor there are several mistake you will see in the documents that i have attached to this complaint Some of the errors or reporting an account with two different loan numbers that originally have two different loan amounts. Reporting no balance when this is one and reporting a {$0.00} balance when there isn't one. Also the High balance is incorrect with All three credit bureaus reporting different amount. Lastly i am apart of a Class Action Law Suite where XXXX has pushed me into a bad loan repayment program and as a result of the pandemic i was unable to maintain payments. 


With all three bureaus reporting different information for the balance, high balance and Account Numbers, I am unsure of which is correct. 

These reports appear to have been generated by the same lender so why is the data reporting inaccurate? As the governing credit bureau it is your responsibility to report consistent and most importantly accurate information.You as the governing bureau have failed to report correct data for other lenders/potential lenders to view and determine me as credit worthy. Our minority based business for XXXX women has taken a hit and funding based on my credit has been greatly hindered because of the inaccuracies, inconsistencies and incorrect data on my report generated by the credit bureaus. 

Despite several written requests, the unverified items of XXXX still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 



Please DELETE and REMOVE these erroneous items off of my report immediately. 

Attached you will find a highlighted copy of the above referenced information. 

Thank you
Product: Mortgage

On XX/XX/XXXX I made a mortgage payment as requested PHH mortgage company. I was sent to a XXXX store, directed to the return department, sent XXXX barcodes and my debit card was debited XXXX dollars. I have the dated, timed, transaction and confirmation numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Whom it my Concern, I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA-you are required to promptly DELETE all information that is inaccurate, Incomplete, or which can not be verified. 

It is also my understanding that Under the FCRA 15 U.S.C 16811, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 
I am now enacting my consumer and Civil Rights to compel you to annul with permanent Deletion of these derogatory accounts or provide testimony and certification that you are adhering to mandated XXXX XXXX data formatted reporting standards according to regulations. 

The following derogatory account accounts allegations are either UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be remove immediately. Do so TODAY, even right NOW! The obvious infractions are as follow : Alleging Creditor and Account as is reported on my credit report : XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account- XXXX Comment : inaccurate, DATE OPEN, on XXXX XXXX and Experian, report NOT ACCURATE ACCORDING TO XXXX XXXX Guide Lines Thank you for your time and helping this matter. 

Sincerely XXXX XXXX XXXX
Product: Credit card or prepaid card

Someone open a ChimeXXXXXXXX secure credit card in my name. And it's showing that it's active on my credit report. And I didn't apply for the secure card. It was open on XXXX XXXX 2020. I disputed the account with XXXX to have them remove this fraudulent account from my credit. So they have started a dispute claim for me to have the account removed from my credit.
Product: Debt collection

Pursuant to 18 USC, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 US 1681b 2. They also have no right to report anything using my personal information 15 USC 1681 4.
Product: Credit card or prepaid card

I would like to file a formal complaint against XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX, FL XXXX and XXXX XXXX XXXX XXXXXXXX, XXXX, FL XXXX, dba CareCredit. I originally filed a complaint with XXXX XXXX in XX/XX/2017  based upon what I found online as the responsible bank for XXXX XXXX. In spite of a number of contacts, they did not respond until XX/XX/2017 after I filed a CFPB complaint. I wrote XXXX XXXX of XX/XX/XXXX on XX/XX/2017 acknowledging that they had finally responded to my complaint and that I would be making payments after I received my Social Security ( SS ) check on or about the fourth Wednesday of the month as SS advised me. XXXX called in early XXXX acknowledging receipt of my letter. 

Subsequently, I mailed XX/XX/XXXX a {$200.00} payment in XXXX and a {$200.00} payment in XXXX following receipt of my SS check. However, XX/XX/XXXX has continue to harass me with multiple phone calls and emails on almost a daily basis since.
Product: Credit card or prepaid card

Capitalone ha s been making harassing calls to my work numbers,  XXXX ,  XXXX , looking for a person with the same or similar name. I do not have any accounts with  Capitalone.  The most recent call was received on Friday,  XXXX , looking for a  XXXX   XXXX  on a recorded line. I do not speak with anyone on any recorded line, especially a wrong number. The person calling was told its a wrong number and he insisted he knows the person works here, which he does not as he did not verify he even had the correct  XXXX   XXXX . Any future calls will be forwarded to security as harassment.
Product: Debt collection

Perdue Brandon Fielder Collins and Mott LLP ( https : XXXX  ) keeps calling me for debt that is not mine. The law firm somehow tied my mothers name to my phone number. I've told them repeatedly to remove my number.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are still reporting inaccurate items on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Follow up complaint number XXXX with XXXX andFTC Report number XXXX : On XX/XX/XXXX I call EQUIFAX phone number XXXX First call spanisn speaking XXXX send me to XXXX whom when I gave my SSN stop the call ; never call back. 
Call again XXXX With XXXX explaining that I has being pursuing : Protection of my Identity for the BAD ADMINISTRATION OF THE EQUIFAX DATA BREACH whom was affected in XX/XX/XXXX when them need to paid : My request were 1. Stop the Equifax 3- in-1 Credit Report suscribed with XXXX on XX/XX/XXXX for the amount of {$14.00} take it for my checking account. 
2. Request my credit report. 
3. Ask why when call the EQUIFAX LEGAL ADMINISTRATION FROM SEATTLE the EQUIFAX said : the person with SSN does not exist in the market because him did not owe nothing. 
4.Update my information.
Product: Credit reporting or other personal consumer reports

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

I have sent in the necessary documents to Experian credit reporting agency, to block the fraudulent remarks off of my credit report and to my surprise, their specialized fraud department just told me over the phone today that they decided not to block the fraud items off of my report, stating that my documents have not been processed to my file, and I've sent them weeks ago so i don't believe that. I have sent them exactly what the laws from XXXX site advises consumers to send in to the reporting agencies when a victim of i.D theft. And i will attach all that I've sent them as well to this complaint. I need Experian 's fraud department under surveillance now as we can clearly see that they are willingly violating consumers right without hesitation or deep thought for their own monetary gain. Under FCRA 605 ( B ) law, states : ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. And i've clearly sent all that was needed with the request to Block items under this section. I did my part. They need to do theres. Otherwise ill be opening litigation, immediately.
Product: Debt collection

XXXX  credit report of mine shows that a company by the name of   CONVERGENT  XXXX , INC   .is stating i have  a collection account with them on behalf of   XXXX   XXXX   in the amount of {$280.00} and the account was opened on   XX/XX/XXXX . I h ave never authorized an account with  XXXX   XXXX  or had any type of service with them. they have deleted the account from my   XXXX   credit report on   XX/XX/XXXX  a nd from another company  XXXX ,  XXXX    XX/XX/XXXX .    XXXX    stated I need to contact them which I already have and I was told I have never had an account with  XXXX   XXXX . If this is the case then why are  XXXX  different companies coming after me then being deleted now back on my credit report?!