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

XXXX XXXX, XXXX ; XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 ACCOUNTS : XXXX. XXXXXXXX XXXX XXXX XXXX OPENED XXXX XXXX XXXX XXXX XXXX XXXX OPENED XXXX XXXX XXXX XXXX XXXX XXXX OPENED XXXX XXXX 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Someone is fraudulent using my social security number XXXX and a hard inquiry for a Target credit card on XX/XX/2022. I have obtained to freeze my ssn and credit bureau. Can you please remove and investigate this fraudulent inquiry?
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 told the XXXX, Transunion, and XXXX to reinvestigate these accounts : However, they stated evervthin " " `g 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 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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 instructons 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 tan 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 modity accounts tat isnt reporting correcuy. 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 ZA instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the followina items of information Anv other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven vears. 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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Credit card or prepaid card

For 3 years I paid {$89.00} /year to accumulate points using a XXXX XXXX and Barclay 's Bank and Master Card account. 
They opened 2 accounts in my name and said I could not use any points from 3 trips each year to XXXX until I merged both accounts, which I tried over and over to do. 

I even paid the " one free checked bag per flight '' {$25.00} fee for {$150.00}. 

Lately, XXXX XXXX has said I never used their mileage card to purchase the 3 round trip tickets. 
I looked in boxes full of old paperwork, and looked. 

Then XXXX XXXX  sent me this mileage expiring trade offer! 
I think this PROVES I did use XXXX XXXX mileage card those 3 years and 3 trips to XXXX. 
XXXX, a financial institution lied, who would have thunk!?
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my name legally changed on XX/XX/XXXX, and updated eith the Social Security XXXX XX/XX/XXXX, and officially with XXXX XXXX ( my student loan agency ) on XX/XX/XXXX. They have submitted my updated name on the reports every end of month since the update- as I have been told today, XX/XX/XXXX, around XXXX XXXX  XXXX. My ID was changed as of XX/XX/XXXX. I have contacted the company a few times to try to get it processed, yet nothing has come of it, and the representatives are never able to help.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$660.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$710.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I email this company and also sent copies of Police report showing identity theft. Still consumer credit has been affect in a very negative manner resulting in injuries to perse. Now I need compensation for the violation of various codes.
Product: Debt collection

Calvary Portfolio services Claims to have business done with me, never had business done with the stated company
Product: Credit reporting or other personal consumer reports

Transunion : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Re : Dispute of Fraudulent Accounts Due to Identity Theft Request for Removal Within 4 Days Dear TRANSUNION, I am writing to dispute fraudulent accounts appearing on my credit report, as I am a victim of identity theft. Under 15 U.S.C. 1681c-2 ( Section 605B ) of the Fair Credit Reporting Act ( FCRA ), you are required to block and remove information resulting from identity theft within 4 business days of receiving this request, along with supporting documentation. Below is a list of fraudulent accounts that do not belong to me : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Identity Theft Report : Filed with the Federal Trade Commission ( FTC ). 
Proof of Identity : Copy of my government-issued ID and Social Security card .

Proof of Address : [ bank statement. ] To comply with Section 605B, I have provided the following required documentation : I demand that these accounts be blocked and removed from my credit report within 4 business days, as required by law. Please confirm in writing when this action has been completed. Failure to comply with this timeline will leave me no choice but to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing any other legal remedies available to me. 

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

I have an account that is still appearing on my Transunion credit report even after providing documentation proving this account ( XXXX XXXX # XXXX, {$1300.00} ) was to be deleted. The account in question is a collection account which is causing real harm to my credit and Transunion is refusing to remove. I disputed this account back in XXXX on dispute XXXX and it was returned as verified. I contacted this collection agency to see why they reported as verified and they had no clue of why it would still be reported. I asked to speak to a supervisor. The supervisor verified that when they sent over their " file '' it was to be deleted. The supervisor also was so kind to send me a letter as proof that the account was to be deleted. I have since submitted this document to Transunion and they still have not removed this account from my credit profile and it is causing adverse action against me. I have been turned down for credit since this collection is still showing. I believe my rights are being violated. Section 1681e of the FCRA ( 15 U.S.C. 1681e ) requires that credit reporting agencies follow " reasonable procedures to assure maximum possible accuracy '' of the information contained in consumer credit reports. Additionally, Section 1681i ( 15 U.S.C. 1681i ) requires credit reporting agencies to conduct a reasonable investigation of any disputed information and to correct or delete any inaccurate or unverifiable information within 30 days of receiving a dispute. 

If a credit reporting agency violates either of these sections of the FCRA, they may be subject to legal action and can be held liable for any damages that result from their failure to comply with the law.
Product: Checking or savings account

Problem using the XXXX connected to my Chase account. Say that there was a problem in XX/XX/2023 and the ONLY solution is to use a new email address and create a completely new Chase profile. 

I have had no fraud or other issues with my accounts. Have spent hours with high-level customer support and they have said the same things as a solution. BUT will not tell me what the issue is that caused the problem in the first place. 

Please help!
Product: Credit card or prepaid card

Agent XXXX : Escalation Team- XXXX XXXX Employee ID : XXXX Failed to resolve ongoing credit fraud issues, after being on the phone with Wells Fargo 1 hour and 19 minutes.

Fraudulent Credit Card, reporting to XXXX XXXX XXXX credit reporting accounts, for a card ending in XXXX. 

XXXX had a card ending in XXXX, which was paid and closed, due to fraud and mishandling, by Wells Fargo. 

Wella Fargo continues to fraudulently report a fraudulent credit account, for XXXX XXXX XXXX, a XXXX XXXX XXXX woman, with XXXX.
Product: Debt collection

I have never actually recieved a notification of debt let alone actual proof that the debt is real. I don't want to legitimize a debt that doesn't exist. This is not the first time I have been dinged on my credit by a past debt to XXXX. My bill to XXXX was paid out by XXXX when we switched to them, the last debt collectors backed off after I disputed it because they never sent me actual documentation. That was almost 4 years ago for that company.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00}.
Product: Credit reporting or other personal consumer reports

I recently filed a dispute with experian regarding fraudulent accounts and successfully had them blocked and removed. However a few days later I noticed that a few fraudulent inquiries remained on my report and decided to call in and dispute the inquiries. This created a completely unrelated dispute from the previous accounts, however the representative took it upon himself to place me on hold and reffer back to the prior dispute and delete an accurate account without my knowledge or consent. Just disputed the account on his own. This account was my XXXX XXXX XXXX  100 % paid off XXXX  loan, the prior dispute listed a XXXX XXXX XXXX credit card which was already removed and displayed completely different account numbers. When I noticed this I called and was on the phone with fraud XXXX XXXX ID # XXXX for XXXX and XXXX minutes only to be told that basically I have to '' contact bank XXXX XXXX XXXX my own to fix the error and I was at fault because i didn't specify the account details in my dispute letter ''. This statement is a complete lie and the response is completely unacceptable false and offensive. I asked for a supervisor whom I was told wasn't available and was never given a call back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a police report, my identification and other supporting documents to provide that the accounts was not mine. A police report is on file with the company. Equifax removed the other fraud accounts but did not remove the fraud address and other fraud account. One account was reinserted without notification to me. Another XXXX XXXX stole my identity and they have picture of guy and police report. We have same name just different race. I submitted for fraud address to be removed and they did not
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # xxxxxxxxxxxxx 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with UNITED COLLECTION on XX/XX/23. complaint ID- XXXX. " This was their response We have mailed a written response to the complaint received through the CFPB portal directly to the party whose identifying information matches the identifying information of the complainant. Should you require any further information, please contact us. " However they did not due this and instead reported to the credit burrows that the account was closed. This account was not closed or paid as it was never proven by UCB to be mine by the information i requested. 

This collection needs to be corrected as removed NOT closed.
Product: Mortgage

I called XXXX XXXX  customer service sometime in XX/XX/year> to set up an automated payment from my bank as > was traveling out of the country. I had previously contacted them a few months earlier to set up the automated payments and it did not work so I called them again. They worked me through setting it up and I made XXXX payments for XXXX and XXXX of 2023 and they told me the automated payments would start coming out of my account in XXXX of 2023. 

I came. Ack from my trip in XXXX of 2023 and when I tried to log on to find out the status of my account and to reconcile my account I was locked out of my account and told to contact customer service and that's when I found out that my monthly mortgage wasn't coming out of my bank and that my house was on foreclosure proceedings. 

I informed XXXX that I had set up automated payments with their customer service so I don't know what happened but in any case the money was still in my account, so can I send in the payments to get up to date. They never responded so I contacted them repeatedly to rectify the issue. Finally they sent me an invoice with an added {$4000.00} to catch up on my mortgage. I was surprised and asked what the additional {$4000.00} in fees was for, they never explained what it was for and proceeded with the foreclosure. I had to get a lawyer to help me communicate with them and even he had problems communicating with them but he helped me get them to have me apply for loss mitigation, again they were almost impossible to communicate with. Finally they approved the loss mitigation and called me over the phone and told me I had to agree to the terms without reading the document before they would mail it to me to sign. They never told me what the amount was or anything. When I recieved the document that's when I found out they had added almost {$9000.00} to my mortgage. 

They never gave me the opportunity to catch up on my mortgage and have now added {$9000.00} to my mortgage.
Product: Money transfer, virtual currency, or money service

On XX/XX/2024 I purchased that coin cash on Venmo. Which I have the transaction I. D. Then sold the XXXX cash that I purchased and Venmo took the proceeds from that sale stating that the I owed them. But I have a transaction completed stating they were paid XXXX. Affected them multiple times And lay hung up on me repeatedly. To be honest, the most unprofessional I. Guess they're not a bank. So I would say the most unprofessional financial institution. I have upper dealt with. To be honest, the most unprofessional company. Or humans I've ever dealt with. But hypurges {$29.00}. Worth of XXXX, cash that day, they have stolen sale money of that XXXX cash, which was for {$25.00}. So I need help. Please, I know it's a small amount. But these guys are completely Out of line end thieves. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/2019, I opened a loan consolidation account with Sky Bridge Financial ; and I have been on time with my monthly payments to Sky Bridge Financial since XX/XX/2019. Although I was making regular monthly payments, my account with Sky Bridge Financial did not show on my credit report until late XX/XX/2019. I noticed a sudden drop of XXXX points from my credit score when my account with Skybridge financial was erroneously reported to the 3 credit bureaus back in XX/XX/2019. My credit report showed that only one payment was made since the account was opened. I reached out to Sky Bridge Financial 's customer service department several times to inquire about this issue, but no one was able to help resolve it. 
The Skybridge Financial 's customer service agent that I spoke with in XXXX, first, told me that this type of account should not be reported to the credit bureaus and confirmed that Sky Bridge Financial did not report it. When I asked him to verify why, how, and by whom was the account reported, he told me that he couldn't help me with this issue and that his department only deals with payment collections. He recommended that I hand-write a letter explaining the problem to " the department that handles Skybridge Financial 's disputes '' ( it was a P.O box address out of XXXX XXXX, CA. XXXX and to file a dispute with the 3 credit bureaus. When I asked for a phone number, Sky Bridge Financial 's agent said that the particular department did not have a phone number and could only be contacted via mail. After I filed the dispute with the credit bureaus, TransUnion and Experian were able to correct and update my credit report. 
Unfortunately, Experian still shows the Skybridge account on my record as a collection company ; and this is affecting my credit score negatively. After I spoke with an agent at Equifax, he said that Sky Bridge Financial needs to send them a note asking to correct the errors from my report, before they could update my credit report. 
I reached out, again, to Sky Bridge Financial and asked to speak to someone in charge of issues with the credit reporting bureaus, but no one was able to help me again. 


Below is the latest email response that I received from Sky Bridge financial : " XX/XX/2019 XXXX XXXX XXXX Support Team replied : Hello, We received your e-mail. This matter needs to be handled by the credit report agency. We apologize for the inconvenience this may cause you. 

If you need further assistance, please contact one of our team members at the number listed below. 

Thank you and have a great day, Sky Bridge Financial Fax : ( XXXX ) XXXX Phone : ( XXXX ) XXXX Email : Skybridgefinancial@FA-servicing.com Web : XXXXXXXX   Sky Bridge Financial ''
Product: Vehicle loan or lease

On XX/XX/XXXX I submitted a consumer complaint under complaint ID XXXX. In that complaint I advised Kia motors XXXX that an erroneous claim was sent to the credit reporting bureau that I was 60 days late on my auto loan that had auto draft set up. I was originally told by Kia that it is a kia policy to automatically turn off auto pay for the very last payment to ensure that the full amount gets paid. After complaining that I was not properly notified of the termination of auto payment I submitted the aforementioned consumer complaint. In that complaint I was told by Kia the following : " While XXXX is sensitive to the concerns of XXXX XXXX, there seems to be some confusion as to XXXX XXXX Autopay plan. Autopay is a monthly recurring payment system that customers can sign up for on XXXX XXXX XXXX. The customer sets the date of withdrawal and determines the number of payments to be withdrawn. On XX/XX/XXXX, XXXX XXXX set up Autopay to withdraw a total of sixty three payments. The term of XXXX XXXX contract was for sixty six payments, two of which were made prior to his creation of the Autopay, leaving one payment unaccounted for. " Kia is now reporting that in fact they did not turn off my auto pay as a standard practice but that there is an unaccounted for payment because I selected one less payment of the terms of my loan. 

I counter that claim with proof that two payments were made on XX/XX/XXXX. This payment is not being accounted for and was done in error which I previously complained about. Attached is proof in the form of a bank statement from my personal checking account that auto-drafts were made from showing the 2 payments that were made on XX/XX/XXXX. 

Furthermore, attached is my payment history document from Kia. This document shows that as of XX/XX/XXXX I had made 65 payments of the 66 payment loan term. As Kia mentioned in their XX/XX/XXXX consumer report response : My final payment was due on XX/XX/XXXX- Meaning I had one payment left ; that was eventually paid on XX/XX/XXXX in order to close the account. Including the XX/XX/XXXX payment and the 2 payments that were made on XX/XX/XXXX that actually means I paid kia 67 payments of a 66 term loan. 

Kia, please review your accounting records in respect to my checking account records and you will see that I made all 66 payments to Kia before the maturity date and yet Kia sent a false claim to the credit reporting bureau that I had a late payment.

My desired resolution at this time would be to withdraw the late payment claim from the credit reporting bureau. I am not even fighting you on the extra payment in the amount of {$350.00} that I made. I just want the claim removed from my credit report. If needed, I will even send you a copy of my checking account showing all 66 payments before the loan maturity date. If the late payment claim is not removed, I will be forced to take litigation.