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

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX Balance : {$370.00} ; XXXX  XXXX Balance : {$630.00} ; XXXX XXXX Balance : {$4800.00} ; XXXX XXXX XXXX Balance : {$420.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$120.00} ; XXXX XX/XX/2022 ; XXXX  XX/XX/2022 ; XXXX XX/XX/2022 ; XXXXXXXX XXXX  XX/XX/2022 ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Transunion and Experian credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$48000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$4300.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Payday loan, title loan, personal loan, or advance loan

About XXXX yrs ago, I obtained a payday loan from XXXX XXXX. I paid it off almost every month as agreed which is on the XXXX of each month ( I am on a fixed income and do not get my funds until the second Wednesday of each ). I refinanced the loan several times taking out a little more funds. All went well until recently when they started taking funds on nonscheduled dates. I called them a few times and asked for a few days delay in processing explaining that the funds would not be available on that date. They agreed and all went well until XX/XX/XXXX when they processed the payment XX/XX/XXXX. XXXX and I did not have the funds to cover the payment as I expected my deposited funds to be available the XXXX XXXX of the month, I called and they were very unreasonable and would not hear of my explanation of when I got paid and funds would be available. I reminded them of the agreement of processing the payment on the XXXX of each month as done previously and they would not listen. Their explanation was that in the state of Nevada each payment had to be made every 30 days. This doesn't even make sense as each future payment is arbitrary and will put me on a financial hardship each month setting me up for failure and for XXXX XXXX to collect more interest on the loan. All I ask is that I have a consistent payment date each month ( XXXX ) as all other institutions have ( credit cards, utilities, etc ) and not arbitrary days each month and show good faith business practices.
Product: Debt collection

I am tired of these collection agencies. Always placing things on my credit file. Without giving me my dispute rights. I never received a letter from them. All thought they will lie saying they did or say they can't locate it to keep reporting it to my credit files. I am paying XXXX directly. Which I just made a {$20.00} payment to them directly.
Product: Credit card

i called chase card services because there was approximately a {$7000.00} difference on my freedom credit card statement.

i check my account at least 2 times a day daily to prevent fraud or to watch my account.

i have this account for about 20 years, for the last 2 statements ending in XX/XX/year> and XXXX XXXX i have had a credit balance for approximately {$3900.00} from returns and and a dispute resolution. 
I check my statements, notices and letters and balance numerous times per day. I did not receive any notice whatsoever or has anything changed on my statement on XX/XX/XXXX at XXXX XXXX  i went to bed with a {$3400.00} credit and when i woke i checked my account and i had a {$3600.00} balance. i spent 8 hours on the on the phone with chase with numerous departments and no one can give me the same answer????
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told the Transunion, to reinvestigate these accounts : Account name : However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 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

FTC Report XX/XX/XXXX Prior report # XXXX Person believed responsible for the fraud ; XXXX XXXX of XXXX, Utah. 
Additional person believed to be responsible for applying for false credit cards, etc : XXXX XXXX XXXX of XXXX, CA or XXXX XXXX, CA Fraudulent Postal Mail Credit card applications and claims that I did not apply for or do using my name or a version of my name with my social security number. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX *Never applied for XXXX XXXX or XXXX claim from a XXXX XXXX at my employer, paid cash for one office visit to a XXXX XXXX and did not need anything further. 
XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX *They keep sending me claim information. I have not opened it. It is denied. 
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, FL XXXX I never applied for the use of a XXXX through my employer ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX for my payroll. I have had Direct Deposit and can show proof of such from : XX/XX/XXXX to XX/XX/XXXX. 
Received : XX/XX/XXXX I am reporting this mailing as possible fraud or use of my name and personal employer information. 
MASTERCARD XXXX. XXXX XXXX, GA XXXX False application using a name : XXXX XXXX XXXX at my address : XXXX XXXX XXXX XXXX XXXX, XXXX, Utah XXXX 2 mailings *Did not apply for an application for a credit card through Mastercard . 
XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX, SD XXXX I have never applied for a Mastercard through XXXX XXXX XXXX Mailing is denied. 
XXXX XXXX XXXX. XXXX XXXX, VA XXXX *False application made using the name : XXXX XXXX XXXX at my address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX UT XXXX XXXX3 mailings-denied. 
ONE MAIN FINANCIAL XXXX XXXX XXXX XXXX, IN XXXX *False application made using the name : XXXX XXXX XXXX at my address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX UT XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, OH XXXX *False application made using the name : XXXX XXXX at the address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Utah XXXX I need these cleared off my personal credit report if needed or made note of as fraud in the event it is needed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been actively disputing an account with XXXX XXXX XXXX XXXX  for years. I recently began cleaning up my credit and notice, XXXX was still reporting inaccurate information to all three credit bureaus. I requested a verification of debt because I was uncertain the debt even belonged to me with such conflicting information. Recent disputes began in XXXX XXXX. On several occasions via filed disputes, XXXX, XXXX, Equifax and XXXX XXXX verified the inaccurate data using E-Oscar and continued to report across all three bureaus. Data provided, did not coincide with data provided through the debt verification. If all three bureaus were receiving different information, this would be impossible. 
Over the years and especially in the last few months, this willful non-compliance of the FCRA is a violation of my rights. Previous credit reports show XXXX was reporting inaccurate data such as high balance, payment amount due, date account was open, date of last payment, amount past due etc. After filing a complaint with the XXXX, XXXX XXXX updated my credit file, again with inaccurate data. There was even a difference in the amount added to the monthly balance for the month of XX/XX/XXXX across the bureaus. One bureau had an increase of {$100.00} and the others {$100.00}. In addition XXXX and Equifax are reporting a high balance of {$6600.00} on a closed account, and the XXXX is showing a balance of {$0.00}. Instead of correcting the data, XXXX, instead chooses to harm my credit file with XXXX, Equifax, and XXXX assisting by validating inaccurate data continuously on my credit file. In addition, when you attempt to contact XXXX about your credit file, they say the account was sold to XXXXXXXX XXXX  XXXX, yet XXXX is reporting. Please remove from my credit file.
Product: Credit reporting or other personal consumer reports

I am writing this complaint because I recently reviewed a disputed account reported in my consumer report from Experian, and I noticed that the account has been disputed and updated 3 times, yet the issues that I have disputed have not been resolved. Specifically, within the payment history section, there are " NO DATA '' notations all throughout the transaction history of the account. There are approximately XXXX ND notations reported in this account indicating that the account is in fact incomplete. There are a lot of payments I have made on this tradeline that aren't showing up and I disputed this issue with Experian, but the issue is not being resolved and the information is still unverifiable. Experian is allowing an account that has unverifiable information to persist in my consumer report and has failed to ensure maximum accuracy regarding the information they received from the creditor. It just continues to get updated. There are also late payments reported on this account, but the late payments show up in the payment history section inaccurately. Currently, the late payment notations show up as " XXXX, XXXX, XXXX, ND '' Since late payments do not start off as a 90-day late payment notation, it is fair to say that this information misrepresents the tradeline, it is in fact misleading, and it is currently ruining the integrity of my consumer report reported by Experian. The creditor is failing to provide Experian the correct information so that the information can report correctly. I have already provided supporting documentation over the course of 3 months upon dispute of the account each time to substantiate my claims, but I believe the creditor is allowing misreported information to report on this account with no intent to resolve it on purpose. This disputed tradeline is from The Department of Education/XXXX XXXX How is that Experian continues to constantly allow an inaccurate incomplete tradeline to remain on my consumer report? Experian is liable for statutory violations of the FCRA which can be enforced through FCRA section 1681n Civil liability.
Product: Debt collection

Northstar location services has been calling my workplace on a daily basis. I do not have record of date and time, but I have told them on a previous phone call that I am not able to take their calls at work, absolutely no exceptions. 

To date, they have left two voicemails stating they are a debt collector on a shared voicemail in the workplace. I have audio files and voicemail transcription available from voicemails on XX/XX/2023 and XX/XX/2023. I am able to provide the e-mails with transcriptions, as the mailbox they were delivered to is a shared e-mail at the workplace. 

The violation of my privacy has been very upsetting, especially as it has occurred on multiple occasions. 

I have sent a message to the company asking for steps to ensure my workplace is no longer contacted, but they have not responded.
Product: Debt collection

Eastern Account System is trying to collect the service fee for XXXX and XXXX of XXXX  while the account had already been closed in XXXX, XXXX. I sent email and support documents and proofs on XX/XX/year> but Eastern Account System did not response and report the invalid debt to the 3 credit bureaus. 
The account was cancelled on Thursday, XX/XX/year>. 
The balance at the time of cancellation was {$.00} XXXX XXXX equipment was returned on XX/XX/year>. 
Please see the attached proofs.
Product: Credit card

I have tried reaching out to my credit card company, Elan Financial Services, for assistance with paying my credit card bill. I tried uploading my paystubs and financial statements proving that I am experiencing financial hardship however, the secure message portal on their website is locked. 

I am a XXXX XXXX and I experienced a " dry spell '' where I had no sales.
Product: Debt collection

I have received numerous calls from this company. They do not ever say it 's an attempt to collect a debt, they call me after requesting them not to, and they are harassing and bullying. I asked for proof of the debt and got an email stating a XXXX card and an amount, but I have not been contacted about this debt at any point in the last 5 years. I have no knowledge of actually owing this debt. They tell me they will contact my HR/payroll department at work and take my wages, although there is no judgement against me for this supposed debt. They have stated this over and over for the last month and no action has ever been taken. It appears they simply want to harass people into paying without proof. I have also asked them to not contact me and they still do. When I question their tactics or way of doing business, they hang up on me and call back later.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit bureaus as well as Bank of America to remove this fraudulent closed account that was opened under my name and with my information. I disputed many times and no results. I kindly ask for the removal of this account from all my credit bureaus and my history. Thank you.
Product: Credit card

It all began after signing on online to Bank of America to pay my credit card on XX/XX/year>. I noticed after paying, that at the bottom of the screen, a red banner that said that there was a problem with my account because of suspicious activity and I was to call a phone number to resolve. I called and the line was answered by a man called XXXX with an XXXX accent. He told me that there was an unauthorized charge for a site called XXXX which he would remove. I am not sure but he may have put an unauthorized program on my computer and when he was to remove the charge, he had me enter an amount but my keyboard froze. After a minute, it came back as XXXX. Again I am not sure of the timing but then he then showed me another screen of my XXXX checking account which then had XXXX too much. 
I said had a XXXX appointment and will return around noon. 
At around XXXX  I received a call from a XXXX XXXX at XXXX XXXX XXXX who instructed me to make this right by withdrawing XXXX in XXXX from XXXX XXXX XXXX XXXX  and deposit it into a machine XXXX XXXX XXXX XXXX XXXX XXXX. ( I later learned that this was a XXXX ATM ). He also wanted me to go to XXXX XXXX # XXXX and do the same thing. After completing the withdrawal from XXXX XXXX  XXXX and deposit to XXXX ATM it was getting late. I told him I would not do the XXXX # XXXX scenario and he muttered that he would do this online if he had to.. I then hungup the phone realizing that I had been scammed. Unfortunately, records will show that on XXXX I had made a legitimate XXXX withdrawal from y Chase Checking and a XXXX XXXX of XXXX from a XXXX ATM for XXXX since XXXX hundreds were rejected by the machine.. 
I called XXXX customer service but they told me that once the funds are directed to a specific wallet, they can not reverse or cancel the transaction..
Product: Credit card or prepaid card

Company reduced credit limit by over half ... XXXX to XXXX resulting in my card being XXXX dollars away from max limit although I had made 2 consecutive payments over {$1000.00} each in order to have my balance at half of available credit. I have an excellent payment record with the company, have never been late or missed a payment. Their actions are lowering my credit score further while I am taking the proper actions to raise my score. My card usage was up due to international travel yet I have been making significant payments to lower those balances and have not been late on payments with any of my creditors. Their actions are detrimental to my credit at a time when have not done anything wrong other than use credit that was available to me.
Product: Credit card

My income has been much lower this year due to the nature of my job. I am a XXXX XXXXXXXX. I have tried twice to get help with Bank of America. The first time the rep offered a higher payment then I already had, the second she tried to Push me into a debt management company. 


When I declined the rep said I really needed to make payments and offered no other solutions except payment my bill or enrolling in a 60 month program. Every other company has offered a reduced monthly payment till I catch back up.

Please look into Bank of America and their practices. They should offer more solutions besides a debt management non affiliated 3rd party.
Product: Credit card

The store credit card is with Barclay 's Bank/Old Navy . The account was opened on XX/XX/XXXX. It is now a closed account. Barclay 's Bank is reporting a past due amount from XX/XX/XXXX until XX/XX/XXXX but the account is now closed. I called them on XX/XX/XXXX and asked them about payment arrangements. They never sent me anything in the mail in regards to our conversation back in XX/XX/XXXX. I also sent them a goodwill letter on XX/XX/XXXX. I heard nothing back from them so I called them to ask about the goodwill letter I sent them. They told me they never received the letter and asked me what address I sent it to. I gave them the address I sent the goodwill letter to and they told me the address was wrong. However, I got the address directly from Barclay 's Bank website.
Product: Debt collection

I have tried to contact XXXX XXXX XXXX and Simmons agency regarding this debt unfortunately a previous roommate took my information and ordered items without my knowledge I do not have any information on how to track them down I have been trying to resolve this for quite some time now please consider removing this account from my name as I did not incur these charges. I have tried to contact XXXX XXXX XXXX  and Simmons agency regarding this debt unfortunately a former roommate took my information and ordered items without my knowledge. I do not have any information on how to track them down. I have been trying to resolve this for quite some time now without any luck. please consider removing this account from my name as I did not incur these charges
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy. 

XXXX XXXX XXXX {$110.00} Opened XXXX XXXX XXXX XXXX  Account # XXXX {$230.00} Opened XXXX XXXX XXXXXXXX XXXX Account # XXXX {$380.00} Opened XXXX XXXX XXXX XXXX Account # XXXX {$700.00} Opened XXXX XXXX XXXX XXXX Account # XXXX {$1900.00} Opened XXXX The amount of missed payment and multiple late fees are incorrect. 

Multiple accounts appear several times on my credit report. 

The accounts below have violated my rights.15. U.S C 1681 section 602A State I have the right to privacy.

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

15 U. S C 1681 c. ( A ) ( 5 ) Section states : No consumer reporting agency can make any report containing any of the following item of information Any other adverse item of information, other than records of conviction of crime which antedates the report more than seven years.
Product: Credit reporting or other personal consumer reports

Dating back to XXXX XXXX XXXX XXXX XXXXXXXX. was furnishing and reporting falsified and misleading information on my consumer reports from XX/XX/XXXX until XX/XX/XXXX prior to our court proceedings in which Judgment was awarded in favor of the defendant which is me XXXX XXXX listed as XXXX XXXX in the complaint this judgment was made in the XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX by the Honorable XXXX XXXX XXXX on XXXX XXXX. No Debt was ever owed to XXXX XXXX XXXX XXXX. All furnished data to the consumer report was falsified and misleading which has caused harm to me as a consumer this has ruined my reputation and credit worthiness due to this misleading information that was furnished and illegally parked on my consumer report without proper investigation of the matter. Once a judgment was made in my favor, they then removed it from the credit report. Under the Fair Credit Reporting Act ( FCRA ), if you find misleading or inaccurate information on your credit report, you have the right to dispute it, and the credit reporting agency is obligated to investigate and correct or remove the information if it can not be verified as accurate ; essentially, the FCRA protects consumers against the reporting of misleading information on their credit report. I have made other complaints in the past to the cfpb as well as Experian in regard to this matter in which everything came back as verfied. When i raised and questioned the verification i was told it was verfied proper investigation into this matter was not conducted but they still continued to furnish the information without proper investigation. Investigation required : Once a dispute is filed, the credit bureau must investigate the information within a reasonable time frame, usually 30 days. Furnisher responsibility : The entity that provided the information to the credit bureau ( the " furnisher '' ) also has a responsibility to verify the accuracy of disputed information and update it if necessary.