23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate and fraudulent accounts reported from my credit report. Contacted debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. Therefore, you are reporting misleading false accounts. The following accounts were XXXX  - XXXX, XXXX XXXX XXXX, XXXX - XXXX, and XXXX XXXX XXXX  - XXXX.
Product: Consumer Loan

They use terrible practices when trying to collect pass due payments. You advise them about paying the past due amount and they tell you " no you owe me double the amount '' but my next payment will not be due at that present time. They leave unprofessional voice messages and threatening messages, they sent emails to my job after I told them not to contact me at my job. I choose not to speak them because they are not willing to help. They have employees trying to hit there monthly numbers regardless what it takes. I will seek an attorney for these unprofessional practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft pursuant 15 USC 1681b ( a ) ( 2 ) consumer reporting agency may not furnished a consumer report only in accordance with written instructions from the customer and I, XXXX XXXX, the customer never gave any written consent to report anything on my consumer report .NO CONSENT is identity theft.15 usc 1681a ( d ) ( 2 ) ( A ) ( iii ) - In your initial investigation I was never given the opportunity to deny this information being communicated on my consumer report. This is in fact another violation.
Product: Credit reporting or other personal consumer reports

I have never had a single late payment on one of this account. All the information is incorrect. I want it to be reviewed and removed as soon as possible. 

XXXX 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

After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

Company : XXXX XXXX Account # : XXXXXXXX  Date Open:XX/XX/XXXX Balance : {$7300.00} Company : XXXX XXXX XXXX  XXXX Account XXXX : XXXXXXXX Date Open:XX/XX/XXXX Balance : {$2300.00} Company : XXXX XXXX XXXX  XXXX Account # : XXXXXXXX Date Open:XX/XX/XXXX Balance : {$13000.00} Company : XXXX XXXX XXXX Account # :XXXXXXXX Date Open:XX/XX/XXXX Balance : {$4000.00} Company : XXXX XXXX XXXX XXXX Account # :XXXXXXXX   Date Open:XXXX Balance : {$1100.00} Company : XXXX/XXXX XXXX Account # :601918XXXX Date Open:XX/XX/XXXX Balance : {$6100.00} Company : XXXX   XXXX Account # :XXXXXXXX Date Open:XX/XX/XXXX Balance : {$1100.00}
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records 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 Balance : {$18000.00} XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXXXXXX XXXX Balance {$18000.00} XXXX XXXX XXXX  XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$17000.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance {$18000.00} XXXX XXXX XXXX. XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX  XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired XXXX XX/XX/XXXX XXXX  XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX Balance : {$270000.00} XXXX XXXX XXXX XXXX : {$18000.00} XXXX XXXX  XXXX Balance : {$22000.00} XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX 2022
Product: Credit reporting

Hello, in XXXX last year I needed a credit score for renting purposes. I went to Experian web site, it said I needed to pay {$1.00} and I 'll be all set. Apparently I failed to read fine print, because there is a clause somewhere that unless you cancel your account within some " trial period '' you are automatically assumed to be a " member ''. They have been charging me $ XXXX $ XXXX monthly, in a way of automatic deductions from my debit card - ( information that they only had because I gave it to them to run my credit report! ) ever since. For services I did n't need, want, or have ever used. I consider this an abominable business practice. Shame on me for not reading the fine print, and I am sure they have a fleet of lawyers to make sure they get away with this, but I consider it outrageous that these companies are allowed to " assume '' that you are committing to something without explicit consent. That I know of, I never ticked any box saying " I agree to pay $ XXXX {$25.00} a month for all eternity, if I do n't cancel my account ''. It was not even entirely clear I created XXXX. I thought the site was asking all the information in order to process a single transaction, that of {$1.00} worth credit score. Is there ANYTHING that can be done? I feel like they prey on people and need to be stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

Actions taken by this company on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX They Re-pinged this account on my credit report as a new credit line when it's old and it's been on my credit already since XX/XX/XXXX. Causing my credit to go down when it was already impacted by this account from XX/XX/XXXX.
Product: Debt collection

XXXX account showed up on my credit report recently I have n't had XXXX since XX/XX/XXXX. I paid off all of my debt with XXXX before I canceled. I do n't know why it was reported because I do n't owe them anything I contacted the debt collector and they told me to email a dispute to them and then forward it to XXXX before I did that I contacted XXXX and they told me they do n't have access to my account anymore. And that I owe money in which the case I do n't. XXXX told me they sold my account to a debt collector in XX/XX/XXXX and it has recently shown up on my credit report In XX/XX/XXXX and neither companies are providing me with information in regards to this Debt that I owe which I wasnt aware of until recently. The debt collectors are giving me the runaround and they are not being honest with me
Product: Mortgage

My name is XXXX  XXXX  and I live at XXXX  XXXX  XXXX, XXXX, MD, XXXX.  My Chase mortgage account number is XXXX.  Today I received notice of a “new” escrow analysis regarding property tax and/or insurance changes displayed on my online Chase account stating the following,“Beginning XX/XX/XXXX, your payment will change due to escrow adjustments as shown in the table below”.  The noted payment change is an increase of $XXXX”This complaint then is to notify CFPB and Chase that I find Chase payment charge of $XXXX  not only unacceptable, but also in error.  Furthermore on my online Chase account my current property tax as $XXXX, yet for XX/XX/XXXX Chase shows an increase to $XXXX, which makes “no sense at all”.My SDAT Assessment as of XX/XX/XXXX was $XXXX.  My SDAT Assessment as of XX/XX/XXXX is also $XXXX.  So zero change - zero increase.  Furthermore Chase has been notified that over the last two years my Escrow account has had “two” major deductions.  One in XXXX  was a major drop in property tax assessment and second was a major drop in home owner insurance in XXXX.  Combined my Chase mortgage account should have seen more of a reduction in monthly/annual mortgage cost, versus now showing a $XXXX   increase.Please review this matter immediately since my property taxes and insurance costs have not increased from last “fiscal year”, but actually “dropped”.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting a former name that I have never used for financial purposes
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditors has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states that the consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

America Express : XX/XX/XXXX ( 30 days late ) XX/XX/XXXX ( 30days late ) XXXX XXXX  : XX/XX/XXXX ( 30 days late ) XX/XX/XXXX ( 60 days late ) XX/XX/XXXX ( 90days late ) XX/XX/XXXX ( 120 days late ) XX/XX/XXXX ( 30 days late ) XX/XX/XXXX ( 30 days late ) XXXX XXXX XXXX XXXX  : XX/XX/XXXX ( 30 days late ) XX/XX/XXXX ( 30days late ) XX/XX/XXXX ( 30 days late ) XX/XX/XXXX ( 30 days late )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have loan XXXX. I have always made my payments on time. For some reason, I realized that there were XXXX XXXX late payments on my credit report for the XXXX XXXX XXXXXXXX, XXXX and XX/XX/XXXX. I have read enough to understand my rights. The XXXX and TransUnion Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at XXXX and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of XXXX XXXX XXXX Id like this matter resolved ASAP as it is impacting XXXX XXXX XXXX XXXX Please update or remove the late payment from these accounts. Below are the accounts with erroneous information and Id like remedied ASAP. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$22000.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$24000.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$23000.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$1200.00}, XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}.
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT CXXXX XXXX XXXX  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 STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH YOUR ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX I originally filed a dispute on XXXX XXXX XXXX I asked to have the following information deleted off my file. The items I need deleted are listed in the report. 
they have not been able to identify the items, they ignored my request to provide me with the documnts that they have on file that verifies the accounts I am disputing. This is my 2nd time trying to correct the situation. This is really holding me back from being able to get a new family car XXXX XXXX XXXX XXXX XXXX XXXX. It is really important to me and my family that I am able to get this corrected as soon as possible
Product: Credit reporting or other personal consumer reports

I looked upon my credit report and discovered these accounts that need to be deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I checked my credit report, when purchasing a vehicle. checked to find I was a victim of I.D . theft I filed a report. With F.T.C. and local police. And sent all to C.R.A. and usaa credit card account still remains in my report. I tried to get it fixed, but was denied due to it already investigated. after some time I was told by XXXX, XXXX  and XXXX  credit reporting agencies Fraud department that USAA reported to them that they had proof that I opened the account. Account Info Hover over labels for more details Account number XXXX account status Closed Date XX/XX/2020 opened XXXX Account type Credit Card - Revolving Terms. I have never opened an account with them. I need this resolved and removed from my name
Product: Debt collection

Reference complaint XXXX in which XXXX attempted to collect a debt from me. Convergent Outsourcing is now attempting to collect a debt with a similar balance and referencing the same paypal credit account # XXXX. XXXX continues send this information to collection agencies to attempt to collect this debt which I do not owe and have no knowledge regarding.
Product: Checking or savings account

My consumer report for checking accounts contains inaccurate information. I want a correction or update from the bank or credit union that provided the information.
Product: Credit reporting or other personal consumer reports

Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically referenced in 15 USC 1681a Section 603, a 'consumer report ' encompasses any information communicated by a consumer reporting agency that reflects upon a consumers credit-related attributes, including credit worthiness, standing, and capacity, as well as character, reputation, personal traits, or lifestyle. Such reports are instrumental in determining a consumer 's eligibility for credit, insurance, employment, or other authorized purposes as delineated in Section 604 [ 1681b ].

However, it's crucial to note the exclusion clause, ( 15 USC 1681a Section 603 ( 2 ) which states that information pertaining solely to transactions or experiences between the consumer and the reporting entity does not constitute a 'consumer report '. This encompasses reports on transactional payments and credit utilization experiences. Also according to section 604 A section 2 : also states a consumer reporting agency can not furnish an account without my written instructions. I have never given any agency or entity written instructions to do so. According to 15 USC 1681c. section 605 ( a ) ( 5 ) 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.

Upon meticulous review, it is evident that this exclusion and the above-mentioned regulations have been repeatedly violated by credit reporting agencies and the entities reporting to them, as listed below. These violations have directly impacted my credit standing and financial opportunities. The dissemination of information beyond the permissible scope as defined in the FCRA represents a clear breach of my rights as a consumer. 

Agencies/ Companies that have violated my rights as a consumer : XXXX, TRANSUNION, 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 DEPT OF ED / XXXX
Product: Credit reporting or other personal consumer reports

This has been an ongoing issue that needs to come to an end. XXXX XXXX has single handedly ruined my credit. My FICO went from over XXXX to XXXX overnight. I have been dealing with this for XXXX years and now its XXXX that the credit reporting agencies help get these wrong accounts off my credit report. Equifax XXXX : XXXX XXXX XXXX XX/XX/XXXX The XXXX XXXX  Card listed here is not my credit card number. I have asked for proof of card and debt for over a year. This account and XXXX other XXXX XXXX accounts continue to be sold to the next collection agency and my name and info go right along with an account number that has never been mine never activated or used by me. I feel that XXXX years trying to have this removed from my record and my credit FICO score repaired by the false reporting is long enough. I went from from XXXX FICO to a XXXX overnight when XXXX XXXX Closed my XXXX XXXX and my XXXX personal credit cards which had XXXX balance at the time of closure. XXXX XXXX has never done what they have promised to do and that is repair my credit that they ruined!. 

I now ask that the XXXX credit bureaus step in and get this rectified. 

I have attached my XXXX XXXX XXXX XXXX XXXX I have attached the XXXX XXXX XXXXXXXX payments made to those cards in XX/XX/XXXX I was wrongly reported. And this now needs to be fixed. XXXX XXXX  has been unable to produce my signature for the card numbers sent to collection and and they sent me to collections on something I have never opened owned activated or used. 

I would like XXXX of the XXXX XXXX accounts removed from Collections and false reporting cleaned up with each credit bureau! 

My three credit cards were paid in full they have a XXXX balance. 

This is the only XXXX XXXX credit I have owned, activated used and paid off in full. XXXX. XXXXl XXXX  personal account is XXXX XX/XX/XXXX exp And personal card number XXXX exp XX/XX/XXXX These are my XXXX personal XXXX  XXXX cards and once again the card numbers I owned activated and used are below The ones that were sent to collections and reported her are not accurate they are not my account numbers I have never owned activated or used them I ask that they be removed from the XXXX credit reporting bureaus. 

When XXXX XXXX  reported me they started a snowball effect my XXXX card limit moved down to XXXX XXXX XXXX refused my payment closing the account down. I expect my credit to be repaired this is not right this is not fair.
Product: Credit reporting or other personal consumer reports

To remove fraudulent inquiries off my credit report frustrated to discover numerous fraudulent accounts tarnishing my credit report, seriously jeopardizing my creditworthiness. In my pursuit of securing funding to buy a home in feb. for my family, these unwarranted entries persist despite multiple attempts to have them removed. 

XXXX inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiry Transunion PERSONIFY
Product: Debt collection

XXXX XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/1987 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXXXXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CREDIT COLL XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXXXXXX, XXXX XXXX SEC # XXXX DOB XX/XX/1987 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit card or prepaid card

I called XXXX customer service for a refund. The guy was able to state my prior transactions and payment history, so 5ought it was genuine call. The guy said I needed to have a gift card transaction 3 ways to authorise international refunds, so purchase {$200.00} XXXX gift card. Then he said I needed to buy 3 not 1, so bought 2 more. Then he handed it to a woman saying shes senior manager, and she asked me to try again with 6 gift cards worth XXXX each. In total, I spent XXXX. She finally said XXXX needs XXXX  more for refund, and thats when I caught on late about scams and disconnected. I used my Discover and XXXX XXXX credit cards for this. The woman called me from phone number : XXXX