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

i am a victim of identity theft and i have sent in to TransUnion multiple times different supporting documents to support my claim on this alleged account that does not belong to me. transunion is refusing to delete this fraudulent account off my transunion credit report, they have once deleted the account then almost a year later this fraudulent account came back on my report.
Product: Credit card

Paid to open a credit account with them. 
They did not open credit account. 
They did not report credit account. 
No customer service phone number. 
Tomo credit Takes your money and does nothing for you. 
Tomo credit is a scam. 
Tomo credit needs to be sued. 
Run away. Do not send them any money. 
They falsely advertise credit accounts. 
I want my money back XXXX XXXXXXXX XXXX XXXX XXXX is a fraud.
Product: Debt collection

CREDIT MANAGEMENT LP is making a false claim that XXXX XXXX Equipment was never returned. In fact it was returned directly to XXXX XXXX and XXXX XXXX has now allowed us back. This was explained to Credit Management LP and they still refuse to remove the debt from my credit report. They were also given a cease and desist letter that they also refused to acknowledge. I want this removed from my credit report because it is false.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with The Fair Credit Reporting Act XXXX  Accounts # XXXX ; # XXXX and XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the rights to privacy.

15 USC 1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for purpose.
Product: Checking or savings account

I enrolled in a XXXX XXXX Checking account promotion for {$400.00} on XX/XX/2019. The promotion indicated that to qualify I would need to do direct deposit of a total of {$2000.00} or more within 90 days and then the bonus would be applied 30 days later. It is XX/XX/2019 and I have not yet received the bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Old Navy store card was bought by Barclays Bank Delaware from XXXX XXXX, which I had for over a decade without issue. There were problems during the conversion and my automatic payments were halted due to technical issues in their system. 

They added a 30-days late notice to all 3 credit bureaus adding my first derogatory information in 20 yrs to my credit reports. I contacted Barclays Bank Delaware, they reversed the late fees, accepted my final payment ( {$68.00} ) and closed the account at my request. 

Following this, I disputed the erroneous charge with XXXX and the dispute was returned with the inaccurate information upheld. The report said to contact Barclays Bank Delaware, which I did and their response was I would need to submit a written letter to request reconsideration.
Product: Mortgage

Originally, my loan was being serviced by XXXX. I received a letter from XXXX dated XXXX XXXX, 2019 stating as of XX/XX/2019 our loan would transfer to XXXX. XXXX XXXX XXXX and I would receive information directly from them about the processing of my mortgage payments. 

As of XX/XX/2019 I had not heard from XXXX. XXXX. I began calling their offices, citing the letter from XXXX. On or about XX/XX/2019 I was escalated to a supervisor who informed my that my loan was sold again ( before any processing at XXXX. XXXX ) to American Portfolio Mortgage and I would receive additional information from them. 

On or about XX/XX/ 2019 I began calling American Portfolio Mortgage to locate my mortgage loan. I was advised repeatedly they would send a letter. I called about 2-3 times a week, seeking information on where to. I was told they did not have the loan and not to worry, there would be no late fees or issues once they did have the loan. 

On or about XX/XX/2019 I received a letter from American Portfolio Mortgage acknowledging my mortgage and providing an old loan number as well as a new loan number. The letter stated American Portfolio Mortgage would begin subservice on our mortgage under contractual agreement on XX/XX/2019. I called them and was advised it would take 10 business days for the loan to be entered. They provided a website I could check and that would allow me to set up my online account. 

I have called 9 times since that phone call, spoken to three supervisors ( two of which escalated and someone was suppose to call me back in 24 hours ). I have checked the website at least 3 times a week. My last call was today to a supervisor who advised she couldnt understand what was going on. 

To date ( despite paying into the escrow to cover these charges ) I have had to pay my house insurance premium and my property taxes out of pocket. My mortgage has now not been paid in 4 months because the account can not be locate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm an identity fraud victim. and filed identity fraud affidavit with all bureaus and creditors. the issue rises when XXXX XXXX reported a frequently opened account in my name and was sent the fraud affidavit but wont remove or delete the listing. XXXX XXXX both reporting chargeoff/collection and EQUIFAX reporting 120 days late. 
How is this possible. XXXX XXXX knows the account doesn't belong to me and you can see that clean from their reporting across 3 bureaus. Late on one and Charge off on the other two. XXXX EQUIFAX AND XXXX all reporting different information.
Product: Credit reporting or other personal consumer reports

To whom it may concern,, I looked at my report. I sent a letter to Equifax asking them to reinvestigate these accounts : XXXX XXXX, they sent me their investigation and said these accounts are complete and accurate. 
I looked at my report and noticed everything is still the same.. 
and according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681eb they are supposed to ensure this b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
And according to 15 USC 1681s-2 this os suppose to happen ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- the person has been notified by the consumer, at the address specified by the person for such notices, that specific informatin is inaccurate; and ( i ) the information is, in fact, inaccurate. 
Equifax really did not reinvestigation they lied on an official document saying they did something they did not do and I have evidence to prove my case
Product: Debt collection

XX/XX/XXXX of XXXX I've contacted XXXX regarding an old account that I had no knowledge of it and now showing on my credit report and drop my credit score by 68 points during the process of getting a mortgage loan. Since there is an urgency I just wanted to pay it off/ settled, so they directed me to ARS National Services Inc who was handling the account for XXXX . The Balance was {$2300.00} and they agreed on accepting {$1500.00} as settlement in full if paid on that day XX/XX/2020. Attached is the settlement letter they emailed me and how to make the payment and that once paid they will let XXXX know so that they can report to all credit bureau as paid. I made the payment of {$1500.00} the same day ( Confirmation screenshot attached ) as agreed. On XX/XX/XXXX I received a letter from ARS National Services Inc ( Attached letter ) thanking for accepting the settlement of {$1500.00} in full however it was still showing a balance of {$830.00} which was the difference from the total balance. This should had said {$0.00}. On XX/XX/2020 XXXX reported the balance to XXXX  as {$830.00} instead of paid in full. This is NOT what was agreed upon and have all the proof. As a result our mortgage approval is on hold until this gets cleared up as paid on all 3 credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX, XXXX XXXX FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX Potentially negative Date openedXXXX Balance {$570.00} StatusAccount charged off. {$570.00} written off. {$570.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date openedXXXX Balance {$1000.00} StatusAccount charged off. {$1000.00} written off. {$1000.00} past due as of XX/XX/XXXX. 
XXXX  Potentially negative Date openedXXXX Balance {$0.00} StatusClosed. {$960.00} written off. 
XXXX XXXX  XXXX Potentially negative Date openedXXXX Balance {$1800.00} StatusAccount charged off. {$1800.00} written off. {$1800.00} past due as of XX/XX/XXXX. 
XXXX/XXXX  Potentially negative Date openedXXXXXXXX Balance {$0.00} StatusClosed. {$1700.00} written off. 
XXXX/XXXX  Potentially negative Date openedXXXX Balance- StatusPaid, Closed. 
XXXX  XXXX  XXXXXXXX XXXX XXXXXXXX Potentially negative Date openedXXXX Balance- StatusPaid, Closed. 

The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX, XXXX XXXX FL XXXX
Product: Checking or savings account

Not sure of the dates, but i received several overdraft fees.
Product: Credit card or prepaid card

While I was on vacation in Rio de Janeiro, Brazil on XXXX XXXX XXXX I noticed a fraudulent credit card transaction for $XXXX  was pending on my credit card account with Capital One (COF). I called COF as soon as I noticed the fraudulent transaction and reported it the same day while it was still pending. Today, XXXX XXXX XXXX I saw that the charge had been returned to my account and I called COF to investigate. They told me that I was responsible for the charge because according to their investigation I am responsible for the charge. The charge is from a vendor I have never heard of and for an amount that I never authorized and it is completely out the realm of possibility that this charge is for anything legitimate but Capital One has closed their investigation and will not help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX. To whom it may concern I would like this matter to be taken very seriously because they 're are several accounts on my credit that seems to either be an error, wrong, unverified. I am aware of all my rights and there seems to be a very big problem where I feel that several laws in the FCRA we 're broken and I can point them out. 1. The accounts are outdated. 2. No verified signature or paper with a signature. 3. A verbal verification or a phone call ca n't prove it 's a verification between a creditor and the credit bureau. 4. I refuse to get blamed for a fraudulent and I was wrongfully judged and discriminated against by Experian, XXXX, and XXXX customer service reps were disrespectful, unprofessional and I am filing a lawsuit on behalf of these accounts and they way I was treated. I was treated poorly, unfairly.
A. XXXX B. XXXX C. Experian : 1. XXXX XXXX : fraud 2. XXXX XXXX : fraud 3. XXXX XXXX XXXX : fraud 4. XXXX XXXX XXXX XXXX : fraud, no signature verification, Date opened XX/XX/XXXX past 7 years old account. 5. XXXX XXXX XXXX, fraud, error late account opened in XX/XX/XXXX. 6. XXXX, fraud : Le
arn some manners and respect whomever you speak to when doing business. Remove all fraud and
error accounts listed above. Please remove any accounts associated with the address XXXX XXXX XXXX XXXX FL XXXX. I am not associated with this address and any accounts that are under this address. Remove all addresses immediately please. The only address that should be listed on my accounts is XXXX XXXX XXXX XXXX XXXX FL XXXX, this is the only address associated with me. The only social security associated with me is XXXX.
Product: Credit reporting or other personal consumer reports

ACCORDANCE WITH THE FAIR CREDIT REPORTING XXXX XXXX XXXX ACCOUNT XXXX, HAS VIOLATED MY RIGHTS.

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO NAKE 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 card or prepaid card

I signed up for a covid test at an XXXX airport for XX/XX/2021 when i planned to visit XXXX. There was no mention of a cancellation policy anywhere during booking. However, travel laws changed and I cancelled the test on XX/XX/XXXX. The company refused to refund the money, despite not using the services and cancelling almost 2 weeks prior. I disputed the charge as I never received the services and cancelled. Bank of America refused to do anything saying it was not fraud. At no point was there any mention of a cancellation policy and the bank needs to protect its customers from duplicitous companies.
Product: Credit reporting or other personal consumer reports

As per my previous letters dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I have diligently submitted supporting documentation ( including my bank statements dated XXXX of total payments made in full ) to substantiate the discrepancies found on my credit report. Regrettably, the bureau 's responses have consistently claimed that the information has been verified as accurate, without providing any proof of who and how they verified the information or the representative 's response in writing, as I have repeatedly requested in the past XXXX letters. I've waited XXXX months since the date of my last request ( XX/XX/XXXX ) for a reinvestigation response and written notice and no reply was given in writing. 

The bureau is reporting the following inaccurate, unfair, unduly, incomplete, obsolete, and erroneous information on my credit report and MUST be DELETED due to repeated inconsistent and inaccurate information being reported. # 1 : Inaccurate Balance and Terms Reflected ; # 2 : Multiple monthly " Charge Offs '' CAN NOT be reported for a single Charged Off account. 

The bureau is in violation of 623 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-s2 ( a ) ( 1 ) ( A ) ; ( 2 ) failed to promptly update and correct information furnished to CRAs and determined was not complete or accurate in violation of 623 ( a ) ( 2 ) of the FCRA, 15 U.S.C. 1681s2 ( a ) ( 2 ), 623 ( a ) ( 5 ) of the FCRA, and15 U.S.C. 1681s2 ( a ) ( 5 ) ; and the bureau failed to establish and implement reasonable written policies and procedures regarding the accuracy and integrity of the information provided to CRAs in violation of Regulation V, 12 C.F.R. 1022.42 ( a ). These violations of the FCRA and Regulation V also constitute independent violations of the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ). Under 1053 and 1055 of the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 5563, 5565. 

I've reiterated my rights as a consumer under the FCRA : 1. The right to have accurate and up-to-date information reported by your agency. 
2. The right to removal of disputed inaccuracies and errors on my credit report.

3. The right to a thorough and fair investigation of my disputes.

4. The right to add a statement to my credit file, which I have requested repeatedly. 

I have requested, in writing, further details of the reinvestigation on several different occasions from them, with no proper response, if any, acknowledging or providing the requested information in writing from them.
Product: Credit reporting or other personal consumer reports

At the end of XXXX I was made aware of some inaccurate information on my credit report due to Identity Theft. I filed a FTC Complaint and Police Report around XX/XX/XXXX. I sent these to the Credit Bureaus to remove the related information. After multiple phone conversation and filing of complaints the Bureaus removed multiple incorrect addresses, names, and inquiries from my report. Include in the FTC Complaint was a Collections for XXXX ( XXXX XXXX XXXX  ), they company stated the information was accurate and did not remove it. I have followed up with multiple letters and calls asking them to provide me with information that was used to verify the account. They are refusing to provide me with that information. I've attached a copy of the letter I sent them on XX/XX/XXXX, I have certified tracking showing they received it XX/XX/XXXX. Before filing this complaint I talk with a supervisor in their Fraud Department and he refused to furnish any other details.
Product: Debt collection

I had taken out a payday loan of {$5000.00} on XX/XX/XXXX and during that time had undergone a several financial setbacks due to a family death and housing situation. Both my wife and I had a XXXX in XXXX XXXX and had to have XXXX in XXXX XXXX. My wife and I are on fixed incomes and have struggled to get back on our feet. We also had to vacate our rental property due to our landlord short selling his home in XXXX XXXX and had undergone a major move the year before in XXXX XXXX. I had to reach out to XXXX XXXX XXXX XXXX for some financial help, but fell behind in my household bills and had to join a debt consolidation company to help with our bills and the calls. The account in question was charged off {$4400.00} and I had not heard from anyone until now. I have received a call from a third party collection company called XXXX XXXX XXXX XXXX. The telephone number is XXXX. Their is a case file number XXXX. The individual that called was XXXX XXXX, who called to threaten me with legal action and has called all my relatives and family members by their cell phone numbers. He has been very abusive, arrogant, demanding, and has belittled me with saying that I have not paid my debts and seem to be some kind of monster. I tried to explain the circumstances and he just blew me off with an uncaring attitude and started to run his mouth, threaten, using abusive language and I had to finally had to hang up on this guy. I finally had to call the Fair Debt Collection Act for consumers and they told me to file a complaint on the company and this his guys threatening and abusive tactics. Please feel free to contact me for additional information.
Product: Credit reporting or other personal consumer reports

noticed several discrepancies in the reporting of an account on my credit report across all three credit bureaus ( XXXX, Experian, and XXXX ). the details are inconsistent between the bureaus. Specifically : The last activity date is reported differently across the bureaus : XXXX : XX/XX/XXXX Experian : XX/XX/XXXX XXXX : XX/XX/XXXX These dates should be consistent as they represent the last interaction with the account. 
The account closure descriptions vary : XXXX : " Charged off as bad debt. Account closed due to transfer of balance. '' Experian : " Account closed due to transfer. Amount balance reported as a loss by credit grantor. '' XXXX : " Charged off account. Account transferred or sold. '' These descriptions create confusion about the actual status of the account and whether it was transferred, sold, or resolved. 
The payment history for this account shows a " Charged Off '' status ( CO ) for multiple months, which I believe is inaccurate because the account was closed. If this account was resolved, this history unfairly reflects negatively on my credit report. 

The reported balance owed is {$0.00} across all bureaus, but the status remains " Charged Off. '' If the account has been settled or resolved, this status should reflect " Paid '' or " Settled. '' The term length is reported as XXXX  months, but it is unclear if this reflects the original terms of the agreement or if there was a modification. 

These inconsistencies are misleading, harmful to my credit score, and do not reflect the accurate status of the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # 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: Debt collection

On XX/XX/XXXX my account was sold to XXXX XXXX XXXX. I did not sign up for this service. This company is reporting on my credit report. 

I do not have a contract with them. 

Please help me remove this collection agency from my credit